Table of Content

Financial Cards and Payments in Portugal
Euromonitor International
December 2022

List Of Contents And Tables

FINANCIAL CARDS AND PAYMENTS IN PORTUGAL
EXECUTIVE SUMMARY
Financial cards and payments in 2022: The big picture
2022 key trends
Macroeconomic events impacting the use of financial cards
The new era of open banking and Fintech moulding competitive environment
What next for financial cards and payments?
MARKET INDICATORS
Table 1 Number of POS Terminals: Units 2017-2022
Table 2 Number of ATMs: Units 2017-2022
Table 3 Value Lost to Fraud 2017-2022
Table 4 Card Expenditure by Location 2022
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 6 Domestic versus Foreign Spend 2022
MARKET DATA
Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 8 Financial Cards by Category: Number of Accounts 2017-2022
Table 9 Financial Cards Transactions by Category: Value 2017-2022
Table 10 Financial Cards by Category: Number of Transactions 2017-2022
Table 11 Consumer Payments by Category: Value 2017-2022
Table 12 Consumer Payments by Category: Number of Transactions 2017-2022
Table 13 M-Commerce by Category: Value 2017-2022
Table 14 M-Commerce by Category: % Value Growth 2017-2022
Table 15 Financial Cards: Number of Cards by Issuer 2017-2021
Table 16 Financial Cards: Number of Cards by Operator 2017-2021
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 20 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 21 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 22 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 23 Forecast Consumer Payments by Category: Value 2022-2027
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2022-2027
Table 25 Forecast M-Commerce by Category: Value 2022-2027
Table 26 Forecast M-Commerce by Category: % Value Growth 2022-2027
DISCLAIMER
SOURCES
Summary 1 Research Sources
DEBIT CARDS IN PORTUGAL
KEY DATA FINDINGS
2022 DEVELOPMENTS
Economic landscape informs the performance of debit cards
Increase in the number of cards issued
Fees more than double in 10 years says DECO
PROSPECTS AND OPPORTUNITIES
Debit cards benefits from paper to electronic shift
Competition likely to remain fierce over the coming years
Buy Now Pay Later services might help boost the use of debit cards
CATEGORY DATA
Table 27 Debit Cards: Number of Cards in Circulation 2017-2022
Table 28 Debit Cards Transactions 2017-2022
Table 29 Debit Cards in Circulation: % Growth 2017-2022
Table 30 Debit Cards Transactions: % Growth 2017-2022
Table 31 Debit Cards: Number of Cards by Issuer 2017-2021
Table 32 Debit Cards: Number of Cards by Operator 2017-2021
Table 33 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 34 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 36 Forecast Debit Cards Transactions 2022-2027
Table 37 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 38 Forecast Debit Cards Transactions: % Growth 2022-2027
CREDIT CARDS IN PORTUGAL
KEY DATA FINDINGS
2022 DEVELOPMENTS
Credit card transactions on the rise
MasterCard loses share as Fnac switches to Visa
Competitive environment constantly evolving with new features, new partnerships, and digitalisation
PROSPECTS AND OPPORTUNITIES
Credit cards facing increasing competition
Commercial credit cards offer strong growth potential
The future lies in digital credit cards
CATEGORY DATA
Table 39 Credit Cards: Number of Cards in Circulation 2017-2022
Table 40 Credit Cards Transactions 2017-2022
Table 41 Credit Cards in Circulation: % Growth 2017-2022
Table 42 Credit Cards Transactions: % Growth 2017-2022
Table 43 Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 44 Commercial Credit Cards Transactions 2017-2022
Table 45 Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 46 Commercial Credit Cards Transactions: % Growth 2017-2022
Table 47 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 48 Personal Credit Cards Transactions 2017-2022
Table 49 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 50 Personal Credit Cards Transactions: % Growth 2017-2022
Table 51 Credit Cards: Number of Cards by Issuer 2017-2021
Table 52 Credit Cards: Number of Cards by Operator 2017-2021
Table 53 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 54 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 55 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
Table 56 Commercial Credit Cards: Number of Cards by Operator 2017-2021
Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2017-2021
Table 59 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 60 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 62 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 63 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 64 Forecast Credit Cards Transactions 2022-2027
Table 65 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 66 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2022-2027
Table 68 Forecast Commercial Credit Cards Transactions 2022-2027
Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2022-2027
Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2022-2027
Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 72 Forecast Personal Credit Cards Transactions 2022-2027
Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 74 Forecast Personal Credit Cards Transactions: % Growth 2022-2027
CHARGE CARDS IN PORTUGAL
KEY DATA FINDINGS
2022 DEVELOPMENTS
Low penetration of change cards in the country
Charge cards showing signs of recovery in 2022
Competitive landscape remains consolidated
PROSPECTS AND OPPORTUNITIES
Charge cards 2019 values to be reached by 2024
Competitive environment unlikely to see significant change over the forecast period
Competition from credit cards will continue to limit the category?s popularity
CATEGORY DATA
Table 75 Charge Cards: Number of Cards in Circulation 2017-2022
Table 76 Charge Cards Transactions 2017-2022
Table 77 Charge Cards in Circulation: % Growth 2017-2022
Table 78 Charge Cards Transactions: % Growth 2017-2022
Table 79 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 80 Commercial Charge Cards Transactions 2017-2022
Table 81 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 82 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 83 Charge Cards: Number of Cards by Issuer 2017-2021
Table 84 Charge Cards: Number of Cards by Operator 2017-2021
Table 85 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 86 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 87 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 88 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 89 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 90 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 91 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 92 Forecast Charge Cards Transactions 2022-2027
Table 93 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 94 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 95 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 96 Forecast Commercial Charge Cards Transactions 2022-2027
Table 97 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 98 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
PRE-PAID CARDS IN PORTUGAL
KEY DATA FINDINGS
2022 DEVELOPMENTS
Open loop pre-paid cards benefiting from improvements in the economy
Closed loop pre-paid cards benefit from lifting of COVID-19 restrictions
Competition growing within employee benefit cards
PROSPECTS AND OPPORTUNITIES
Open-loop pre-paid cards expected to drive growth
Employee benefit cards: What’s next?
Decline in transportation closed loop pre-paid cards expected as operators move towards onboard open-loop payment facilities
CATEGORY DATA
Table 99 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 100 Pre-paid Cards Transactions 2017-2022
Table 101 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 102 Pre-paid Cards Transactions: % Growth 2017-2022
Table 103 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 105 Open Loop Pre-paid Cards Transactions 2017-2022
Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 107 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 108 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 109 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 110 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 120 Forecast Pre-paid Cards Transactions 2022-2027
Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 122 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 125 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027
STORE CARDS IN PORTUGAL
KEY DATA FINDINGS
2022 DEVELOPMENTS
Store cards continues its recovery in 2022
Oney maintains the leadership with cards covering range of popular retail chains
El Corte Ingl?s gaining share thanks to attractive benefits
PROSPECTS AND OPPORTUNITIES
Store cards expected to see moderate but stable growth over the forecast period
El Corte Ingl?s is likely to be the most dynamic
Credit cards likely to remain the main threat to store cards
CATEGORY DATA
Table 127 Store Cards: Number of Cards in Circulation 2017-2022
Table 128 Store Cards Transactions 2017-2022
Table 129 Store Cards in Circulation: % Growth 2017-2022
Table 130 Store Cards Transactions: % Growth 2017-2022
Table 131 Store Cards: Number of Cards by Issuer 2017-2021
Table 132 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 133 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 134 Forecast Store Cards Transactions 2022-2027
Table 135 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 136 Forecast Store Cards Transactions: % Growth 2022-2027