Credit Cards in Portugal

November 2023
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Overview:

Understand the latest market trends and future growth opportunities for the Credit Card Transactions industry in Portugal with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Credit Card Transactions industry in Portugal, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Credit Card Transactions in Portugal report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Credit Card Transactions in Portugal?
  • What are the major trends key to understanding Credit Card Transactions in Portugal?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?
Download Table of Contents

Charge Cards in Portugal - Category analysis

Charge Cards in Portugal - Company Profile

KEY DATA FINDINGS

Charge cards continues to grow in post-pandemic recovery
Penetration level remains low
Banco Comercial Português discontinues its cards
Charge cards expected to see further growth
Credit cards limit growth potential in charge cards
Santander set to settle in as leader
Table 1 Charge Cards: Number of Cards in Circulation 2018-2023
Table 2 Charge Cards Transactions 2018-2023
Table 3 Charge Cards in Circulation: % Growth 2018-2023
Table 4 Charge Cards Transactions: % Growth 2018-2023
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 6 Commercial Charge Cards Transactions 2018-2023
Table 7 Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 8 Commercial Charge Cards Transactions: % Growth 2018-2023
Table 9 Charge Cards: Number of Cards by Issuer 2018-2022
Table 10 Charge Cards: Number of Cards by Operator 2018-2022
Table 11 Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 12 Charge Cards Payment Transaction Value by Operator 2018-2022
Table 13 Commercial Charge Cards: Number of Cards by Issuer 2018-2022
Table 14 Commercial Charge Cards: Number of Cards by Operator 2018-2022
Table 15 Commercial Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 16 Commercial Charge Cards Payment Transaction Value by Operator 2018-2022
Table 17 Forecast Charge Cards: Number of Cards in Circulation 2023-2028
Table 18 Forecast Charge Cards Transactions 2023-2028
Table 19 Forecast Charge Cards in Circulation: % Growth 2023-2028
Table 20 Forecast Charge Cards Transactions: % Growth 2023-2028
Table 21 Forecast Commercial Charge Cards: Number of Cards in Circulation 2023-2028
Table 22 Forecast Commercial Charge Cards Transactions 2023-2028
Table 23 Forecast Commercial Charge Cards in Circulation: % Growth 2023-2028
Table 24 Forecast Commercial Charge Cards Transactions: % Growth 2023-2028

Credit Cards in Portugal - Category analysis

Credit Cards in Portugal - Company Profile

KEY DATA FINDINGS

Credit cards sees further growth but at a lower rate than debit cards in 2023
Competition heats up
Visa strengthens its share
Positive growth anticipated for forecast period as digital shift persists
BNPL represents competitive threat to credit cards
Partnerships shape competitive landscape
Table 25 Credit Cards: Number of Cards in Circulation 2018-2023
Table 26 Credit Cards Transactions 2018-2023
Table 27 Credit Cards in Circulation: % Growth 2018-2023
Table 28 Credit Cards Transactions: % Growth 2018-2023
Table 29 Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 30 Commercial Credit Cards Transactions 2018-2023
Table 31 Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 32 Commercial Credit Cards Transactions: % Growth 2018-2023
Table 33 Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 34 Personal Credit Cards Transactions 2018-2023
Table 35 Personal Credit Cards in Circulation: % Growth 2018-2023
Table 36 Personal Credit Cards Transactions: % Growth 2018-2023
Table 37 Credit Cards: Number of Cards by Issuer 2018-2022
Table 38 Credit Cards: Number of Cards by Operator 2018-2022
Table 39 Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 40 Credit Cards Payment Transaction Value by Operator 2018-2022
Table 41 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
Table 42 Commercial Credit Cards: Number of Cards by Operator 2018-2022
Table 43 Commercial Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 44 Commercial Credit Cards Payment Transaction Value by Operator 2018-2022
Table 45 Personal Credit Cards: Number of Cards by Issuer 2018-2022
Table 46 Personal Credit Cards: Number of Cards by Operator 2018-2022
Table 47 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 48 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
Table 49 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
Table 50 Forecast Credit Cards Transactions 2023-2028
Table 51 Forecast Credit Cards in Circulation: % Growth 2023-2028
Table 52 Forecast Credit Cards Transactions: % Growth 2023-2028
Table 53 Forecast Commercial Credit Cards: Number of Cards in Circulation 2023-2028
Table 54 Forecast Commercial Credit Cards Transactions 2023-2028
Table 55 Forecast Commercial Credit Cards in Circulation: % Growth 2023-2028
Table 56 Forecast Commercial Credit Cards Transactions: % Growth 2023-2028
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
Table 58 Forecast Personal Credit Cards Transactions 2023-2028
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2023-2028

Debit Cards in Portugal - Category analysis

Debit Cards in Portugal - Company Profile

KEY DATA FINDINGS

Debit cards sees continued growth in 2023
Commercial cards records lower growth than personal cards
Caixa Geral de Depósitos leads, while fees have soared
Debit cards to remain on an upward trajectory though faces some hurdles
Value per transaction set to fall, though BNPL services may boost use of debit cards
Competition will intensify
Table 61 Debit Cards: Number of Cards in Circulation 2018-2023
Table 62 Debit Cards Transactions 2018-2023
Table 63 Debit Cards in Circulation: % Growth 2018-2023
Table 64 Debit Cards Transactions: % Growth 2018-2023
Table 65 Debit Cards: Number of Cards by Issuer 2018-2022
Table 66 Debit Cards: Number of Cards by Operator 2018-2022
Table 67 Debit Cards Payment Transaction Value by Issuer 2018-2022
Table 68 Debit Cards Payment Transaction Value by Operator 2018-2022
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
Table 70 Forecast Debit Cards Transactions 2023-2028
Table 71 Forecast Debit Cards in Circulation: % Growth 2023-2028
Table 72 Forecast Debit Cards Transactions: % Growth 2023-2028

Pre-Paid Cards in Portugal - Category analysis

Pre-Paid Cards in Portugal - Company Profile

KEY DATA FINDINGS

Closed loop cards record double-digit rise
Open loop on the rise
Fintechs gain growing importance in the category
Revolut to continue boosting overall growth
Mobility creates new opportunities
Employee benefit cards: What’s next?
Table 73 Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 74 Pre-paid Cards Transactions 2018-2023
Table 75 Pre-paid Cards in Circulation: % Growth 2018-2023
Table 76 Pre-paid Cards Transactions: % Growth 2018-2023
Table 77 Closed Loop Pre-paid Cards Transactions 2018-2023
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 79 Open Loop Pre-paid Cards Transactions 2018-2023
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 81 Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 82 Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 83 Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 84 Pre-paid Cards Transaction Value by Operator 2018-2022
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
Table 94 Forecast Pre-paid Cards Transactions 2023-2028
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028

Store Cards in Portugal - Category analysis

Store Cards in Portugal - Company Profile

KEY DATA FINDINGS

Store cards sees steady growth in 2023
Oney still in the lead
El Corte Inglés still gaining ground
Store cards set to see slow growth
Oney to remain the number one issuer
El Corte Inglés: will it change to credit?
Table 101 Store Cards: Number of Cards in Circulation 2018-2023
Table 102 Store Cards Transactions 2018-2023
Table 103 Store Cards in Circulation: % Growth 2018-2023
Table 104 Store Cards Transactions: % Growth 2018-2023
Table 105 Store Cards: Number of Cards by Issuer 2018-2022
Table 106 Store Cards: Payment Transaction Value by Issuer 2018-2022
Table 107 Forecast Store Cards: Number of Cards in Circulation 2023-2028
Table 108 Forecast Store Cards Transactions 2023-2028
Table 109 Forecast Store Cards in Circulation: % Growth 2023-2028
Table 110 Forecast Store Cards Transactions: % Growth 2023-2028

Financial Cards and Payments in Portugal - Industry Overview

Financial cards and payments in 2023: The big picture
2023 key trends
Competitive landscape
What next for financial cards and payments?
Table 111 Number of POS Terminals: Units 2018-2023
Table 112 Number of ATMs: Units 2018-2023
Table 113 Value Lost to Fraud 2018-2023
Table 114 Card Expenditure by Location 2023
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
Table 116 Domestic versus Foreign Spend 2023
Table 117 Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 118 Financial Cards by Category: Number of Accounts 2018-2023
Table 119 Financial Cards Transactions by Category: Value 2018-2023
Table 120 Financial Cards by Category: Number of Transactions 2018-2023
Table 121 Consumer Payments by Category: Value 2018-2023
Table 122 Consumer Payments by Category: Number of Transactions 2018-2023
Table 123 M-Commerce by Category: Value 2018-2023
Table 124 M-Commerce by Category: % Value Growth 2018-2023
Table 125 Financial Cards: Number of Cards by Issuer 2018-2022
Table 126 Financial Cards: Number of Cards by Operator 2018-2022
Table 127 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
Table 128 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
Table 129 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
Table 130 Forecast Financial Cards by Category: Number of Accounts 2023-2028
Table 131 Forecast Financial Cards Transactions by Category: Value 2023-2028
Table 132 Forecast Financial Cards by Category: Number of Transactions 2023-2028
Table 133 Forecast Consumer Payments by Category: Value 2023-2028
Table 134 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
Table 135 Forecast M-Commerce by Category: Value 2023-2028
Table 136 Forecast M-Commerce by Category: % Value Growth 2023-2028

DISCLAIMER

Summary 1 Research Sources
The following categories and subcategories are included:

Credit Card Transactions

  • Commercial Credit Card Transactions
    • Average Personal Credit Card Balance
    • Average Personal Credit Card Limit
    • Personal Credit Card Utilisation

Credit Card Transactions

Credit cards allow for purchases against a preapproved line of credit. The account holder has the choice of whether to pay off the entire balance each month or opt for monthly instalments with the balance serving as revolving credit. If the cardholder decides to revolve a balance, the consumer pays interest. Credit cards can include affinity cards, reward cards and types of co-branded cards. Co-branded retailer cards—issued by retailers acting as financial institutions and without usage restrictions—are included in this category. Cards issued by a retailer with usage limited to a specific store within a predefined retail group fall under the store cards definition. Debit cards with an overdraft function are not counted as cards with a credit function. Payments are tracked based on the country of residence / account issuance and include outbound spend while excluding inbound spend.

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This report originates from Passport, our Credit Card Transactions research and analysis database.

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