European Payment Cards Yearbook

Poland - Summary

	Price: £50.00
Market Overview
Payment Organization	Polcard, the former interbank-owned processor, is now a First Data subsidiary.

Market Structure	The number of debit cards has grown slowly in recent years, while credit cards reached 33% of the total by end-2009, falling to 28% at end-2010. Card use at the POS has increased substantially. In 2009, there were more POS payments – taking all card types – than ATM withdrawals for the first time. Most banks now issue contactless cards. More than 35,000 contactless POS terminals have been installed mid-2011. With nearly 7.2 million cards, PKO BP is the largest issuer and the biggest bank, closely followed by UniCredit Bank Pekao.

Major Issuers	PKO BP, Bank Pekao, ING Bank Slaski, BZ WBK, new BPH.

Major Acquirers	First Data (PolCard), eService (Bank PKO), CKC (Pekao SA).

Key Statistics 2010
Population	38.2 million
Cards	Debit: 22.7 million Delayed debit: 331,000 Credit: 8.9 million Total payment cards: 32.0 million