Table of Content

Financial Cards and Payments in Spain
Euromonitor International
November 2021

List Of Contents And Tables

FINANCIAL CARDS AND PAYMENTS IN SPAIN
EXECUTIVE SUMMARY
Financial cards and payments in 2021: The big picture
Bizum poses challenge to financial cards
Card usage boosted by government efforts to alleviate financial fallout
Popularity of mobile payment keeps climbing
Caixabank strengthens while digital banks are making rapid inroads
What next for financial cards and payments?
MARKET INDICATORS
Table 1 Number of POS Terminals: Units 2016-2021
Table 2 Number of ATMs: Units 2016-2021
Table 3 Value Lost to Fraud 2016-2021
Table 4 Card Expenditure by Location 2021
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2016-2021
Table 6 Domestic versus Foreign Spend 2021
MARKET DATA
Table 7 Financial Cards by Category: Number of Cards in Circulation 2016-2021
Table 8 Financial Cards by Category: Number of Accounts 2016-2021
Table 9 Financial Cards Transactions by Category: Value 2016-2021
Table 10 Financial Cards by Category: Number of Transactions 2016-2021
Table 11 Consumer Payments by Category: Value 2016-2021
Table 12 Consumer Payments by Category: Number of Transactions 2016-2021
Table 13 M-Commerce by Category: Value 2016-2021
Table 14 M-Commerce by Category: % Value Growth 2016-2021
Table 15 Financial Cards: Number of Cards by Issuer 2016-2020
Table 16 Financial Cards: Number of Cards by Operator 2016-2020
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2016-2020
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2016-2020
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2021-2026
Table 20 Forecast Financial Cards by Category: Number of Accounts 2021-2026
Table 21 Forecast Financial Cards Transactions by Category: Value 2021-2026
Table 22 Forecast Financial Cards by Category: Number of Transactions 2021-2026
Table 23 Forecast Consumer Payments by Category: Value 2021-2026
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2021-2026
Table 25 Forecast M-Commerce by Category: Value 2021-2026
Table 26 Forecast M-Commerce by Category: % Value Growth 2021-2026
DISCLAIMER
SOURCES
Summary 1 Research Sources
DEBIT CARDS IN SPAIN
KEY DATA FINDINGS
2021 DEVELOPMENTS
Debit card remains the preferred card payment option for Spanish consumers
Debit cards continue to struggle to gain share in commercial environment
Contactless payments are increasing
PROSPECTS AND OPPORTUNITIES
Strong growth expected over forecast period
Debit card payments unlikely to take off among businesses
Contactless payments set to keep rising
CATEGORY DATA
Table 27 Debit Cards: Number of Cards in Circulation 2016-2021
Table 28 Debit Cards Transactions 2016-2021
Table 29 Debit Cards in Circulation: % Growth 2016-2021
Table 30 Debit Cards Transactions: % Growth 2016-2021
Table 31 Debit Cards: Number of Cards by Issuer 2016-2020
Table 32 Debit Cards: Number of Cards by Operator 2016-2020
Table 33 Debit Cards Payment Transaction Value by Issuer 2016-2020
Table 34 Debit Cards Payment Transaction Value by Operator 2016-2020
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2021-2026
Table 36 Forecast Debit Cards Transactions 2021-2026
Table 37 Forecast Debit Cards in Circulation: % Growth 2021-2026
Table 38 Forecast Debit Cards Transactions: % Growth 2021-2026
CREDIT CARDS IN SPAIN
KEY DATA FINDINGS
2021 DEVELOPMENTS
Consumers’ finances take hit from revolving credit
Credit cards recovering at slower rate than debit cards
Growth in e-commerce supports the rebound in credit cards
PROSPECTS AND OPPORTUNITIES
Pick-up in buy-now-pay-later options expected, but wariness of debt will linger
Credit cards to make further gains from e-commerce boom
Online banks will continue to make waves in Spain
CATEGORY DATA
Table 39 Credit Cards: Number of Cards in Circulation 2016-2021
Table 40 Credit Cards Transactions 2016-2021
Table 41 Credit Cards in Circulation: % Growth 2016-2021
Table 42 Credit Cards Transactions: % Growth 2016-2021
Table 43 Commercial Credit Cards: Number of Cards in Circulation 2016-2021
Table 44 Commercial Credit Cards Transactions 2016-2021
Table 45 Commercial Credit Cards in Circulation: % Growth 2016-2021
Table 46 Commercial Credit Cards Transactions: % Growth 2016-2021
Table 47 Personal Credit Cards: Number of Cards in Circulation 2016-2021
Table 48 Personal Credit Cards Transactions 2016-2021
Table 49 Personal Credit Cards in Circulation: % Growth 2016-2021
Table 50 Personal Credit Cards Transactions: % Growth 2016-2021
Table 51 Credit Cards: Number of Cards by Issuer 2016-2020
Table 52 Credit Cards: Number of Cards by Operator 2016-2020
Table 53 Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 54 Credit Cards Payment Transaction Value by Operator 2016-2020
Table 55 Commercial Credit Cards: Number of Cards by Issuer 2016-2020
Table 56 Commercial Credit Cards: Number of Cards by Operator 2016-2020
Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2016-2020
Table 59 Personal Credit Cards: Number of Cards by Issuer 2016-2020
Table 60 Personal Credit Cards: Number of Cards by Operator 2016-2020
Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2016-2020
Table 62 Personal Credit Cards Payment Transaction Value by Operator 2016-2020
Table 63 Forecast Credit Cards: Number of Cards in Circulation 2021-2026
Table 64 Forecast Credit Cards Transactions 2021-2026
Table 65 Forecast Credit Cards in Circulation: % Growth 2021-2026
Table 66 Forecast Credit Cards Transactions: % Growth 2021-2026
Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2021-2026
Table 68 Forecast Commercial Credit Cards Transactions 2021-2026
Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2021-2026
Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2021-2026
Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2021-2026
Table 72 Forecast Personal Credit Cards Transactions 2021-2026
Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2021-2026
Table 74 Forecast Personal Credit Cards Transactions: % Growth 2021-2026
CHARGE CARDS IN SPAIN
KEY DATA FINDINGS
2021 DEVELOPMENTS
Personal charge card usage picking up again
Strengthening e-commerce channel favours charge cards
Most charge cards are now contactless
PROSPECTS AND OPPORTUNITIES
Personal charge cards to drive overall full recovery
Charge cards likely to gain ground but debit cards will remain top choice
Digital payment platforms such as Bizum may be a challenge for charge cards
CATEGORY DATA
Table 75 Charge Cards: Number of Cards in Circulation 2016-2021
Table 76 Charge Cards Transactions 2016-2021
Table 77 Charge Cards in Circulation: % Growth 2016-2021
Table 78 Charge Cards Transactions: % Growth 2016-2021
Table 79 Commercial Charge Cards: Number of Cards in Circulation 2016-2021
Table 80 Commercial Charge Cards Transactions 2016-2021
Table 81 Commercial Charge Cards in Circulation: % Growth 2016-2021
Table 82 Commercial Charge Cards Transactions: % Growth 2016-2021
Table 83 Personal Charge Cards: Number of Cards in Circulation 2016-2021
Table 84 Personal Charge Cards Transactions 2016-2021
Table 85 Personal Charge Cards in Circulation: % Growth 2016-2021
Table 86 Personal Charge Cards Transactions: % Growth 2016-2021
Table 87 Charge Cards: Number of Cards by Issuer 2016-2020
Table 88 Charge Cards: Number of Cards by Operator 2016-2020
Table 89 Charge Cards Payment Transaction Value by Issuer 2016-2020
Table 90 Charge Cards Payment Transaction Value by Operator 2016-2020
Table 91 Commercial Charge Cards: Number of Cards by Issuer 2016-2020
Table 92 Commercial Charge Cards: Number of Cards by Operator 2016-2020
Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2016-2020
Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2016-2020
Table 95 Personal Charge Cards: Number of Cards by Issuer 2016-2020
Table 96 Personal Charge Cards: Number of Cards by Operator 2016-2020
Table 97 Personal Charge Cards Transaction Value by Issuer 2016-2020
Table 98 Personal Charge Cards Transaction Value by Operator 2016-2020
Table 99 Forecast Charge Cards: Number of Cards in Circulation 2021-2026
Table 100 Forecast Charge Cards Transactions 2021-2026
Table 101 Forecast Charge Cards in Circulation: % Growth 2021-2026
Table 102 Forecast Charge Cards Transactions: % Growth 2021-2026
Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2021-2026
Table 104 Forecast Commercial Charge Cards Transactions 2021-2026
Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2021-2026
Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2021-2026
Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2021-2026
Table 108 Forecast Personal Charge Cards Transactions 2021-2026
Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2021-2026
Table 110 Forecast Personal Charge Cards Transactions: % Growth 2021-2026
PRE-PAID CARDS IN SPAIN
KEY DATA FINDINGS
2021 DEVELOPMENTS
Open-loop cards continue to gather momentum
Closed-loop cards bounce back, supported by new contactless solutions
Gift cards rebound as stores reopen and families gather again
PROSPECTS AND OPPORTUNITIES
Open-loop cards poised to outperform closed-loop cards
Pre-paid cards are going digital
Meal vouchers also embracing technology
CATEGORY DATA
Table 111 Pre-paid Cards: Number of Cards in Circulation 2016-2021
Table 112 Pre-paid Cards Transactions 2016-2021
Table 113 Pre-paid Cards in Circulation: % Growth 2016-2021
Table 114 Pre-paid Cards Transactions: % Growth 2016-2021
Table 115 Closed Loop Pre-paid Cards Transactions 2016-2021
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2016-2021
Table 117 Open Loop Pre-paid Cards Transactions 2016-2021
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2016-2021
Table 119 Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 120 Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 121 Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 122 Pre-paid Cards Transaction Value by Operator 2016-2020
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2016-2020
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2016-2020
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2021-2026
Table 132 Forecast Pre-paid Cards Transactions 2021-2026
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2021-2026
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2021-2026
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2021-2026
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2021-2026
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2021-2026
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2021-2026
STORE CARDS IN SPAIN
KEY DATA FINDINGS
2021 DEVELOPMENTS
Store cards benefit from rebound in consumption in Spain
Carrefour card affected by court decision on revolving credit cards
Many additional benefits available with store cards
PROSPECTS AND OPPORTUNITIES
Long road to full recovery for store cards
Two big players left for now – El Corte Ingl?s and Carrefour
Store cards remain preferred option for older generation
CATEGORY DATA
Table 139 Store Cards: Number of Cards in Circulation 2016-2021
Table 140 Store Cards Transactions 2016-2021
Table 141 Store Cards in Circulation: % Growth 2016-2021
Table 142 Store Cards Transactions: % Growth 2016-2021
Table 143 Store Cards: Number of Cards by Issuer 2016-2020
Table 144 Store Cards: Payment Transaction Value by Issuer 2016-2020
Table 145 Forecast Store Cards: Number of Cards in Circulation 2021-2026
Table 146 Forecast Store Cards Transactions 2021-2026
Table 147 Forecast Store Cards in Circulation: % Growth 2021-2026
Table 148 Forecast Store Cards Transactions: % Growth 2021-2026