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Credit Cards in Europe
As of 2008, Europe has a total population of 498.36 millions with a GDP(gross domestic product) of €12,359.99 billions. This
translates into €25.11 thousands of GDP per capita in Europe. Germany has the highest population(82.12 millions) and GDP(€2,495.80 billions)
in Europe. Whereas Malta has the lowest population(0.41 millions) and GDP(€5.76 billions) in Europe. However, Luxembourg has the highest GDP
per capita(€75.07 thousands) in Europe, followed by Norway(€54.36 thousands), Denmark(€42.33 thousands) and Ireland(€41.83 thousands).
Bulgaria(€4.45 thousands) has the lowest GDP per capita in Europe, followed by Romania(€6.37 thousands), Poland(€9.50 thousands) and Lithuania(€9.62 thousands).
Germany contributes 19.95% to the European total GDP, followed by France(15.59%), United Kingdom(14.51%), Italy(12.57%) and Spain(8.75%).
As at 31st December 2008, there are 726,581,350 payment cards issued in Europe(1.46 cards per capita), an increase of 35,000,200 or 5.06% compares to 691,581,150 in 2007.
United Kingdom has the highest number of payment cards(148,869,000), followed by Germany(121,399,860), France(85,474,290), Spain(76,395,160) and Italy(73,048,000).
There are 147,898,490 credit cards in Europe as at 31st December 2008, an increase of 5,334,130 or 3.74% compares to 142,564,360 in 2007.
United Kingdom has the highest number of credit cards in Europe(66,163,000), followed far behind by
France(34,005,040 - 51.4% lesser than UK),
Poland(9,404,590),
Portugal(9,156,920)
and Greece(7,040,010).
Whereas, there are 117,731,040 cards with a credit and/or delayed debit function in Europe as at 31st December 2008, an increase of 5,011,550 or 4.45% compares to 112,719,490 in 2007.
Spain has the highest number of cards with a credit and/or
delayed debit function in Europe(44,820,240), followed by Italy(35,984,000) and France(13,930,120).
Debit cards in Europe increase by 23,850,240 or 5.31% to 473,181,140 in 2008, compares to 449,330,900 in 2007. Germany has the highest number of debit cards in Europe(100,225,710), followed by
United Kingdom(76,271,000), France(65,955,030), Italy(37,064,000) and Spain(31,574,920).
Europe has 51,338,840 cards with a delayed debit function in 2008, an increase by 1,513,260 or 3.04% compares to 49,825,580 in 2007. France has the highest number of cards with a delayed debit function(27,315,210),
followed by Germany(18,126,170), United Kingdom(2,339,000), Austria(1,267,280) and Sweden(1,030,000).
A small number of cards with a debit and/or delayed debit function is available in Europe. There are 16,740,000 cards with a debit and/or delayed debit function, found in Austria(8,765,460), France(7,811,540),
Sweden(163,000) and Cyprus(343).
Total Card Payments in Volume
For 2008, there are 29,456.75 millions of card payment transactions in Europe(59.11 transactions per capita - Norway 249.89 transactions per capita is one of the highest in Europe and the world),
an increase of 2,329.83 millions or 8.59% compares to 27,126.92 millions in 2007. United Kingdom(7,595.00 millions) and France(6,542.50 millions) made up 48% of the card payment transactions in
Europe, followed by Germany(2,244.36 millions) and Spain(2,098.36 millions).
Out of these transactions, 2,666.43 millions or 9.05% is paid by credit cards, an increase of 85.36 millions or 3.31% compares to 2,581.07 millions in 2007, which is inline with the increase in
the number of credit cards issued in Europe. Predictably, United Kingdom with highest number of credit cards in Europe has the highest number of credit card transations(1,791.00 millions), making
up 67.17% of total credit card transactions in Europe. This is followed by Portugal(217.70 millions), Poland(137.10 millions) and Ireland(118.45 millions).
Majority of card payment transactions(17,248.24 millions) in Europe are paid by debit cards, a significant increase of 1598.95 millions or 10.22%
compares to 15,649.29 millions in 2007, which is inline with 5.31% increase on the number of debit cards in 2008. United Kingdom has the highest number of debit cards transactions(5,446.00 millions),
followed by Germany which the highest number of debit cards(100,225,710 or 21.18% of Europe total debit cards) with 1,862.21 millions transactions, followed by Netherlands with a high 1,779.87 millions
debit card transactions even though there is only 25,211,410 or one fourth of Germany debit cards in Netherlands. Sweden has a high, 1,389.00 millions debit card transactions even though there is only
9,483,000 debit cards in Sweden.
Total transactions for cards with a credit and/or delayed debit function are 2,318.88 millions, a significant increase by 278.67 millions or 13.66%, compares to 2,040.21 on 2007; a high growth since
there is only 4.45% increase in the number of credit and/or delayed debit function cards in 2008. Majority of transactions is recrded in Spain with 1,144.35 millions transaction.
The rest of the payment transactions is for cards with a debit and/or delayed debit function(316.20 millions) and cards with a delayed debit function(712.92 millions). Germany recorded 345.15 millions
transaction for cards with a delayed debit function, followed by United Kingdom with 179.00 millions transaction.
Total Card Payments in Value
The total card payments in Europe for 2008 is €1,680.28 billions in value(€3.37 thousands per capita - Norway is the highest in Europe with €13.04 thousands per capita), an increase of €43.85 billions
or 2.68% compares to €1,636.43 billions in 2007. This is a small increase in card payment value considering the number of card payment transactions has increased by 8.59%. This also translates into €57.0
per card payment transaction, a smaller amount compares to €60.3 in 2007; which also meant payment card is used for increasingly smaller amount purchases in Europe. United Kingdom recorded the highest value
total card payments with €511.99 billions, followed by France(€331.81 billions), Germany(€152.03 billions), Italy(€137.47 billions) and Spain(€101.91 billions).
Out of these transactions, €199.68 billions or 11.88% is paid by credit cards, a decrease of €19.94 billions or 9.08% compares to €219.62 billions in 2007. The main reason for decreasing 2008 total
credit card transactions value in Europe is United Kingdom 13.47% drop in value. Nonetheless, United Kingdom still is the leading credit card spenders in Europe with €143.3 billions total value in 2008,
followed by Ireland(€13.88 billions), Portugal(€9.59 billions), Greece(€7.78 billions), Denmark(€5.74 billions) and Poland(€5.18 billions). The ranking is more or less in accordance with the number of
credit cards issued in the respective country.
€885.96 billions in value is paid by debit cards, an increase of €25.88 billions or 3% compares to €860.08 billions in 2007; even though the number of debit card transactions increase by 10.22%.
United Kingdom recorded the highest total value in debit cards transactions(€318.40 billions), even though the number of debit cards issued in UK is only second to Germany. Germany ranked second with
€117.95 billions recorded, followed by Italy(€80.96 billions), Netherlands(€76.28 billions), Norway(€53.28 billions) and Sweden(€48.78 billions). This also shown even though Germany has the
highest number of debit cards, the usage is not as common and frequent as UK.
The rest of card payments value is recorded by cards with a delayed debit function(€72.14 billions), cards with a debit and/or delayed debit function(€28.27 billions) and cards with a credit and/or
delayed debit function(€187.47 billions).
Note: Breakdown data by type of payment cards(in volume and value) is not available for France.
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