Poland Cards and Payments – Opportunities and Risks to 2027

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Poland Cards and Payments Market Report Overview

The annual value of card transactions in the Poland cards and payments market was $165.3 billion in 2023. The value is expected to grow at a CAGR of more than 13% during 2023-2027. Payment cards have emerged as the preferred payment instrument in Poland, despite cash still being used by Polish consumers, especially for day-to-day and low-value transactions. Consumers are embracing card-based payments, mainly due to the convenience and improved payment infrastructure offered by them. Furthermore, factors such as the fast adoption of contactless payments, the emergence of alternative payment solutions, and the growth in the e-commerce space will propel the Polish payment market demand in the upcoming years.

Poland Card Transactions Outlook, 2023-2027 ($ Billion)

Poland Card Transactions Outlook, 2023-2027 ($ Billion)

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The Poland cards and payments market research report provides a detailed analysis of market trends influencing the industry. It provides transaction values and volumes for several payment instruments for the review period. In addition, the Poland cards and payments market analysis offers information on the country’s competitive landscape, including market shares of issuers and schemes. The report also entails regulatory policy details and provides extensive coverage of any recent changes in the regulatory structure.

Annual Value of Card Transactions (2023) $165.3 billion
CAGR (2023-2027) >13%
Forecast Period 2023-2027
Historical Period 2019-2022
Key Payment Instruments ·        Cards

·        Cash

·        Credit Transfers

·        Mobile Wallets

·        Direct Debits

·        Cheques

Key Segments ·        Card-Based Payments

·        Merchant Acquiring

·        Ecommerce Payments

·        In store Payments

·        Buy Now Pay Later

Leading Players ·        Bank Polski

·        Santander

·        Bank Pekao

·        Millenium Bank

·        mBank

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Poland Cards and Payments Market Dynamics

Poland consumers are avid users of contactless cards with all major banks offering contactless cards. The significant use of contactless cards is also supported by a large merchant acceptance network. Debit cards are the most preferred card type among consumers. This growing popularity of debit cards can be attributed to initiatives surrounding financial inclusion and improved payment infrastructure. Furthermore, factors such as a growing demand for cashless payments and the surging emergence of digital-only banks will support the card-based payments market growth.

The thriving e-commerce market in Poland is another key factor responsible for the rising Polish card and payments market growth. Online shopping events such as Black Friday and Cyber Monday sales are gaining popularity in Poland, boosting the e-commerce business. Discount offers from a few of the major online stores such as Allegro, RTV EURO AGD, and Zalando during these events are attracting consumers to make more card-based purchases.

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Poland Cards and Payments Market Segmentation by Payment Instruments

Cards had the highest share of payment transaction volume in 2023.

The key payment instruments in the Poland cards and payments market are cash, mobile wallets, credit transfers, cards, direct debits, and cheques. Cards led the market in 2023 in terms of transaction volume. Growth in card payments is owing to the country’s well-developed payment infrastructure, the rise in the adoption of contactless payments, and a growing e-commerce market.

Poland Cards and Payments Market Analysis by Payment Instruments (Volume Terms), 2023 (%)

Poland Cards and Payments Market Analysis by Payment Instruments (Volume Terms), 2023 (%)

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Poland Cards and Payments Market Segments

Visa emerges as the main player in the Poland debit and credit card market

The key segments in the Poland cards and payments market are card-based payments, merchant acquiring, e-commerce payments, in-store payments, and buy now pay later among others.

Card-Based Payments: Security and convenience have emerged as the most important factors driving card use. Polish consumers are using payment cards payment cards for both low- and high-value transactions. Furthermore, government initiatives to promote financial inclusion have bolstered the debit card adoption in recent years. For instance, the government mandating that salaries or wages must be paid as standard via bank transfer has encouraged consumers to request payment methods other than cash.

Visa has emerged as the leading debit and credit card scheme provider in terms of card holders. Visa targets corporate customers with the Visa Business debit card, which is offered in partnership with banks including Bank Pekao, Santander, ING Bank Slaski, mBank, and PKO Bank Polski. In terms of credit and change cards, Visa targets both retail and corporate customers in Poland, offering Gold, Infinite, Platinum, and Business cards.

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Poland Cards and Payments Market - Competitive Landscape

A few of the leading players in the Poland cards and payments market are:

  • Bank Polski
  • Santander
  • Bank Pekao
  • Millenium Bank
  • mBank

Bank Pekao: Bank Pekao offers the multi-currency World Elite Debit Mastercard, enabling card holders to transact in four currencies (US dollars, euros, British pound sterling, and Swiss francs). Other benefits targeting high-income individuals include complimentary VIP lounge access, travel insurance, and rewards and discounts on purchases at partner merchants.

Leading Poland Cards and Payments Players, 2023

Leading Poland Cards and Payments Players, 2023

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Poland Cards and Payments Market – Latest Developments

  • In August 2022, Bank Pocztowy partnered with identity solutions provider Thales to launch a biometric Mastercard debit card. The payment card is embedded with a fingerprint sensor, which allows card holders to make contactless payments without needing to enter a PIN, regardless of the transaction amount.
  • In July 2022, Mastercard and payment technology provider PolCard launched the Cash2Card service, allowing Mastercard cardholders to deposit cash into their bank accounts while making purchases at more than 300 Empik chain stores, without needing to visit a branch.

Segments Covered in the Report

Poland Cards and Payments Instruments Outlook (Value, $ Billion, 2019-2027)

  • Cash
  • Mobile Wallets
  • Credit transfers
  • Cards
  • Direct debits
  • Cheques

Poland Cards and Payments Market Segments Outlook (Value, $ Billion, 2019-2027)

  • Card-Based Payments
  • Merchant Acquiring
  • Ecommerce Payments
  • In store Payments
  • Buy Now Pay Later


This report provides:

  • Current and forecast values for each market in the Poland cards and payments industry including debit and credit cards.
  • Detailed insights into payment instruments, including cards, credit transfers, cheques, and direct debits. It also includes an overview of the country’s key alternative payment instruments.
  • E-commerce market analysis.
  • Analysis of various market drivers and regulations governing the Poland cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit and credit cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of the Poland cards and payments industry.

Reasons to Buy

  • Make strategic business decisions, using top-level historic and forecast market data, related to the Poland cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Poland cards and payments industry.
  • Assess the competitive dynamics in the Poland cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Poland.
  • Gain insights into key regulations governing the Poland cards and payments industry.

PKO Bank Polski
Bank Pekao
Credit Agricole
Millennium Bank
ING Bank
Alior Bank
Raiffeisen Bank

Table of Contents

Market Overview

Payment Instruments

Card-Based Payments

Merchant Acquiring

Ecommerce Payments

In-Store Payments

Buy Now Pay Later

Mobile Payments

P2P Payments

Bill Payments

Alternative Payments

Payment Innovations

Job Analysis

Payment Infrastructure and Regulation


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