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PUBLISHER: GlobalData | PRODUCT CODE: 1473226

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PUBLISHER: GlobalData | PRODUCT CODE: 1473226

Spain Cards and Payments - Opportunities and Risks to 2028

PAGES: 93 Pages
DELIVERY TIME: 1-2 business days
PDF (Single User License)
USD 2750
PDF (Site License)
USD 5500
PDF (Global License)
USD 8250

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GlobalData's 'Spain Cards and Payments: Opportunities and Risks to 2028' report provides detailed analysis of market trends in the Spanish cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, cards, direct debits, credit transfer, and cheques during the review-period (2019-23e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2024-28). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData's 'Spain Cards and Payments: Opportunities and Risks to 2028' report provides top-level market analysis, information and insights into the Spanish cards and payments industry, including -

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


  • The payment infrastructure in Spain is experiencing growth, bolstered by efforts from both the government and financial institutions. With a gradual rise in the number of customers using cards, there has been an increase in cashless transactions. This trend has initiated growing demand for cost-efficient POS solutions, particularly mobile POS systems, especially among SMEs. As a result, banks are extending their services to a wider range of merchants. For instance, in May 2023, Spain's CaixaBank introduced a contactless app designed to enable merchants to accept payments via cards and QR codes.
  • QR code payments have been slow to take off in Spain. However, since QR code payments are cost effective, merchants in Spain are increasingly offering this payment method, with brands like Bizum offering QR code options for its users. Additionally, CaixaBank launched a contactless app in May 2023, enabling merchants to accept card payments via smartphones. This app transforms Android handsets into POS devices, facilitating card payments via QR codes or email anywhere. In addition to payments at merchants, QR codes are also being utilized in Spain's transportation network for ticket verification and payments. These advancements are expected to intensify competition, further accelerating Spain's digital payments landscape.
  • To mitigate incidences of card fraud, banks and payment companies are prioritizing the security of card payments. In April 2023, Spain became the first European country to officially embrace fingerprint-activated biometric credit and debit cards. Starting from 2024, banks plan to issue new cards that will have a fingerprint scanner. The system works in combination with a chip to confirm the user's identity during a transaction. Mastercard communicated its intent to lead this transition, aiming to bolster security and prevent card fraud.

Reasons to Buy

  • Make strategic business decisions, using top-level historic and forecast market data, related to the Spanish cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Spanish cards and payments industry.
  • Assess the competitive dynamics in the Spanish cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Spain.
  • Gain insights into key regulations governing the Spanish cards and payments industry.
Product Code: GDFS0773CI

Table of Contents

Table of Contents

  • Executive Summary
  • 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


Have a question?

Jeroen Van Heghe

Manager - EMEA



Christine Sirois

Manager - Americas


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