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Home » Poland Report


Cards, Payments & Consumer Banking

Author: Lafferty Research

Publishing date: July 2018

A comprehensive overview of the cards, payments and consumer banking market in Poland.

Poland Research Summary Highlights

  • In terms of technology, Poland's payment cards market is one of the most advanced in Europe. Issuers have focused on innovation in order to incentivise electronic payments and to reduce the dependence on cash.
  • Poland is one of the leading markets globally for contactless payments. In 2017, over half of all POS transactions in the country were contactless.
  • The popularity of contactless payments suggests great potential for the adoption of mobile payments. A range of mobile contactless payment solutions have been launched by banks, networks and mobile operators.
  • The Polish cards market is dominated by debit cards, with a penetration rate of 93 debit cards per 100 adults in 2017, compared to 19 credit cards (including charge cards) per 100 adults.
  • Debit card purchase volume almost trebled between 2011 and 2017 while the number of purchase transactions quadrupled.
  • The number of credit cards in issue has fallen significantly. There were 6.1 million cards in issue at the end of 2017 compared to 7.3 million in 2011.

Available for 72 markets, Cards & Payments Research Service Country Reports deliver invaluable market and competitor intelligence on payments cards, e-money, acquiring/processing, retail banking, and consumer credit, plus the key demographic and economic trends shaping each market.

A dedicated team of analysts and researchers use both primary and secondary source data, and conduct in-depth interviews with senior industry executives and experts; each report includes over 320 metrics.


Credit Cards:
We have industry leading credit card coverage. We detail the past present and future of the industry through our data and commentary, including:

  • Market size split by consumer and commercial credit cards: number of cards, transaction volume, billed volume
  • Profit pool analysis
  • Competitive landscape: networks, issuers

Debit Cards:

  • Market size: number of cards, transaction volume, billed volume
  • Competitive landscape: networks, issuers

Prepaid Cards:

  • Market size: number of cards, transaction volume, billed volume

Merchant Acquiring

  • Competitive Landscape
  • Pricing
  • Processing Relationships

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