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New Zealand Cards and Payments: Opportunities and Risks to 2030

Publisher GlobalData
Published Mar 31, 2026
Length 95 Pages
SKU # GBDT21143317

Description

New Zealand Cards and Payments: Opportunities and Risks to 2030

Summary

GlobalData’s ‘New Zealand Cards and Payments: Opportunities and Risks to 2030' report provides detailed analysis of market trends in New Zealand cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including card, credit transfer, cash, and direct debits 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 ‘New Zealand Cards and Payments: Opportunities and Risks to 2030' report provides top-level market analysis, information and insights into New Zealand cards and payments industry, including -
  • Current and forecast values for each market in New Zealand cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including card, credit transfer, cash, and direct debits. It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing New Zealand cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of New Zealand cards and payments industry.
Key Highlights
  • Contactless payments have become increasingly prevalent in New Zealand; spanning various sectors, including retail and public transportation. In December 2024, the National Ticketing Solution (NTS), in collaboration with Waka Kotahi NZ Transport Agency and 13 Public Transport Authorities, introduced Motu Move. This system aims to standardize fare payment across public transport by allowing users to settle fares via contactless debit or credit cards, digital wallets or a Motu Move prepaid card. Motu Move was launched in Greater Christchurch in November 2025 and will be introduced progressively in each region, with full national operation projected by the end of 2027. Since its launch, over 100,000 contactless payments have been made by bus and ferry users in Greater Christchurch in the first month since the new contactless ticketing system was introduced.
  • In March 2025, New Zealand’s open banking framework-officially implemented through the Consumer Data Right (CDR) under the Customer and Product Data Act 2025-came into force in March 30, 2025. This framework establishes the legal basis for giving individuals and businesses control over designated customer and product data and enables them to share that data with third parties. Meanwhile, customers can also authorize which data is accessed, for what period, for what purpose, and by which third-party provider. Customers have the ability to revoke authorization and be informed of active authorizations annually.
  • The competitive dynamics in New Zealand’s banking sector are shifting with the rise of fintechs and digital-only banks. For instance, in October 2025, the fintech company Emerge launched personal banking services in New Zealand. This move enables customers to open bank accounts online with no monthly fees, no minimum balance requirements, and no foreign transaction fees, along with debit cards.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in New Zealand along with detailed card segmentation of debit, credit and charge cards available in the country.
  • Market sizing and analysis of major payment instruments including card, credit transfer, cash, and direct debits.
  • 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 New Zealand cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in New Zealand cards and payments industry.
  • Assess the competitive dynamics in New Zealand cards and payments industry.
  • Gain insights into marketing strategies used for various card types in New Zealand.
  • Gain insights into key regulations governing the New Zealand cards and payments industry.

Table of Contents

95 Pages
1. Executive Summary
2. Market Overview
3. Macroeconomics, Regulation, and Infrastructure
4. Payment Instruments
5. Card-Based Payments
6. Digital Wallet Payments
7. Buy Now Pay Later
8. In-Store Payments
9. Ecommerce Payments
10. Bill Payments
11. P2P and Remittances
12. 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 ($), 2021-25e
Credit and charge cards in circulation (Units), 2021-2030f
Credit and charge card transaction volumes, 2021-2030f
Credit and charge card transaction values (units), 2021-2030f
Credit and charge card transaction values ($), 2021-2030f
Credit and charge cards in circulation by scheme (units), 2021-25e
Credit and charge card transaction values by scheme (LCU), 2021-25e
Credit and charge card transaction values by scheme ($), 2021-25e
Credit and charge cards in circulation by issuer (units), 2021-25e
Credit and charge cards transaction value by issuer (LCU), 2021-25e
Credit and charge cards transaction value by issuer ($), 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
Charge card in circulation (units), 2021-2030f
Charge card transaction volumes, 2021-2030f
Charge card transaction values (LCU), 2021-2030f
Charge card transaction values ($), 2021-2030f
Charge card in circulation by scheme (units), 2021-25e
Charge card transaction values by scheme (LCU), 2021-25e
Charge card transaction values by scheme ($), 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 and charge card ATM withdrawals frequency of use and average transaction value
Credit and charge card schemes transaction value
Credit and charge card schemes transaction volume
Credit and charge card schemes market share in terms of transaction value
Credit and charge card issuers by number of cards
Credit and charge card issuers by transaction value share
Credit card balances outstanding
Credit card balances outstanding repayment schedule
Mobile Proximity Payments usage drivers
Mobile Proximity Payments funding methods
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value
Preferred BNPL brand/tool for in-store and online payments
In-store transaction value by payment method
In-store payment tool usage drivers
In-store transaction value by products and services
E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by paymnet tools
Online payment tool usage drivers
Bill Payments - Breakdown by payment tools
Bill Payments- Frequency of bill payments
P2P Payments - Domestic and International P2P money transfers and top priorities for P2P tools
Value of inward and outward remittances
Top 10 countries for inward and onward remittances

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