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Ukraine Cards and Payments: Opportunities and Risks to 2030

Publisher GlobalData
Published Apr 08, 2026
Length 68 Pages
SKU # GBDT21151364

Description

Ukraine Cards and Payments: Opportunities and Risks to 2030

Summary

GlobalData’s ‘Ukraine Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in Ukraine cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash and cards during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2026f-30f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.GlobalData’s ‘Ukraine Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into Ukraine cards and payments industry, including:
  • Current and forecast values for each market in Ukraine cards and payments industry, including debit, and credit cards.
  • Detailed insights into payment instruments including cash and cards. It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing Ukraine cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit and credit cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of Ukraine cards and payments industry.
Key Highlights
  • In December 2024, the National Bank of Ukraine (NBU) launched the System of Electronic Payments (SEP) instant payment service, enabling real-time fund transfers. The system operates 24 hours a day, seven days a week, 365 days, and is accessible via banks, and non-bank payment service providers. The service supports P2P, consumer and business payments, with a maximum transaction limit of UAH100,000 ($2,505.67) per transaction. Currently, 11 banks and financial institutions offer SEP in Ukraine.
  • Preference for digital banking is on rise in Ukraine. In October 2025, Ukrainian Clearing House launched a mobile app for retail customers under a new brand dubbed as bank.kd. This mobile banking platform enables customers to open bank account online via smartphone with no maintenance fee. Users also receive a multi-currency debit card enabling them to make payments in Euro and the US dollar. In addition, bank.kd also offers discounts up to 30% on card purchases at partner merchants.
  • Payment infrastructure in Ukraine is growing. To capitalize merchants are launching mobile POS solutions which are convenient. For instance, in August 2025, TapXPhone launched a mobile POS solution. This solution enables merchants to convert Android devices into POS terminals, combining payment acceptance, cash‐register functionality, and sales analytics in a single app. On similar note, in October 2025, Raiffeisen Bank Ukraine partnered with Visa to introduce Tap to Pay on iPhone, enabling contactless payments for customers. This feature allows merchants to convert their iPhone into POS terminal to accept payments.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Ukraine along with detailed card segmentation of debit and credit cards available in the country.
  • Market sizing and analysis of major payment instruments including cash and cards.
  • Payment market trends and growth for both historical and forecast period
  • Competitor analysis with detailed insights into leading card issuers and schemes.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to Ukraine cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in Ukraine cards and payments industry.
  • Assess the competitive dynamics in Ukraine cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Ukraine.
  • Gain insights into key regulations governing the Ukraine cards and payments industry.

Table of Contents

68 Pages
1. Executive Summary
2. Market Overview
3. Macroeconomics, Regulation, and Infrastructure
4. Payment Instruments
5. Card-Based Payments
6.Instant payments
7. Digital wallet payments
8. Ecommerce Payments
9. Appendix
List of Tables
Key facts, 2025
Payment instrument transaction values (LCU), 2021-2030f
Payment instrument transaction values ($), 2021-2030f
Payment instrument transaction volumes (units), 2021-2030f
Payment cards in circulation by type (units), 2021-2030f
Volume of payment card transactions (units), 2021-2030f
Value of payment card transactions (LCU), 2021-2030f
Value of payment card transactions ($), 2021-2030f
Debit cards in circulation (units), 2021-2030f
Debit card transaction volumes, 2021-2030f
Debit card transaction values (LCU), 2021-2030f
Debit card transaction values ($), 2021-2030f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit card in circulation (units), 2021-2030f
Credit card transaction volumes, 2021-2030f
Credit card transaction values (LCU), 2021-2030f
Credit card transaction values ($), 2021-2030f
Credit card in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Credit card transaction value by issuer (LCU), 2021-25e
Credit card transaction value by issuer ($), 2021-25e
List of Figures
Card penetration per inhabitant
Average number of monthly card transactions
POS terminals per 1,000 inhabitants
Inflation rate
GDP growth rate
Unemployment rate
Average annual wages
Total population
Banked population
Internet penetration
Mobile phone penetration
Number of ATMs and ATMs per 1 million inhabitants
Number of POS terminals and POS terminals per 1 million inhabitants
Payment istrument transaction volume (paper-based vs electronic payments)
Payment instruments transaction value
Payment instruments transaction volume
Cross-border payment value
Cross-border payment Volume
Payment cards number of cards in circulation
Payment cards card penetration per individual, by card type
Payment cards value of card transactions
Payment cards volume of card transactions
Payments card value physical POS vs. remote
Payments card volume physical POS vs. remote
Payments value domestic vs. cross-border
Payments volume domestic vs. cross-border
Debit card frequency of payments and average transaction value
Debit card ATM withdrawals frequency of use and average transaction value
Debit card issuers by number of cards
Debit card issuers by transaction value share
Credit and charge card frequency of payments and average transaction value
Credit card ATM withdrawals frequency of use and average transaction value
Credit card schemes transaction value
Credit card schemes transaction volume
Credit card schemes market share in terms of transaction value
Credit card issuers by number of cards
Credit card issuers by transaction value share
E-commerce transaction value

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