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Credit cards in Bulgaria
As of 2008, Bulgaria has a population of 7.66 millions with a GDP(gross domestic product) of €34.12 billions. This
makes Bulgaria a country with one of the lowest GDP per capita in Europe, at €4.45 thousands GDP per capita. Bulgaria contributes 0.27% of the EU total GDP.
As at 31st December 2008, there are 8,089,730 payment cards issued in Bulgaria(0.92 cards per capita), an increase of 851,880 or 11.77% compares to 7,237,850 in 2007.
There are 1,218,200 credit cards in Bulgaria as at 31st December 2008, a significant increase of 131,120 or 12.06% compares to 1,087,080 in 2007.
Debit cards increase by 593,650 or 9.46% to 6,871,520 in 2008, compares to 6,277,870 in 2007.
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Total Card Payments in Volume and Value
Bulgaria has one of the lowest number of card payment transactions in Europe with 12.69 millions of card payment transactions in 2008(1.66 transactions per capita - lowest in Europe), a significant increase of 2.58 millions or 24.86% compares to 10.38 millions in 2007.
Out of these transactions, 3.44 millions or 26.54% is paid by credit cards, an increase of 0.74 millions or 27.41% compares to 2.70 millions in 2007; which is inline with increase in number of credit cards issued in 2008.
Majority of card payment transactions(9.26 millions) are paid by debit cards, a significant increase of 1.58 millions or 20.57% compares to 7.68 millions in 2007; which is inline with increase in number of debit cards issued in 2008.
Bulgaria total card payment transactions volume contributes a minute, insignificant 0.04% to the EU total number of transactions, the lowest in Europe.
Bulgaria has one of the lowest total card payments in value in Europe, however, there is a whopping increase of €0.29 billions or 41.43% to €0.99 billions(€0.13 thousands per capita - lowest in Europe) in 2008,
compares to €0.70 in 2007. This also translates into €77.7 per card payment transaction, an increase compares to €67.6 in 2007. This shows payment card is used only for large amount purchases in Bulgaria.
Out of these transactions, €0.28 billions or 28.28% is paid by credit cards, a whopping increase of €0.09 billions or 47.37% compares to €0.19 billions in 2007. This is influence by increase on the number of credit cards issued and number of transactions.
The rest of card payments, €0.70 billions in value is paid by debit cards, a significant increase of €0.19 billions or 37.25% compares to €0.51 billions in 2007. This is in accordance with the increase in the number of debit cards issued and number of transactions.
Bulgaria total card payment value contributes a a minute, insignificant 0.06% to the EU total transactions value, the lowest in Europe.
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