Commentary on payment statistics

2021

Numbers of cards and accepting devices

The total number of cards (irrespective of their number of functions) and the number of payment terminals again recorded year-on-year growth in 2021. The number of ATMs also increased year on year.

The total number of cards (irrespective of their number of functions) issued by Czech banks and foreign bank branches operating in the Czech Republic rose by 702,000 year on year, reaching 14.5 million at the end of 2021. Of this number, 13.1 million were debit cards. The number of credit cards continued to decline year on year, falling by 95,000 to 1.4 million.

The number of ATMs operated by Czech banks increased by 164 to 5,300. Of this total number, 95% were ATMs with a cash withdrawal function. These data exclude institutions not authorised to provide payment services which operate ATMs in the Czech Republic. (This is because ATM operation per se is not a payment service.)

The number of point-of-sale (POS) terminals issued by a Czech acquirer rose by 28,000 year on year to 274,000 at the end of 2021. However, these data also include ATMs operated

Chart 1: Total number of cards (irrespective of their number of functions) (in millions) and number of ATMs (in units) 

Chart 1: Number of ATMs and number of cards with a payment function

Numbers of payments by payment service type

The numbers of most types of outgoing payments increased year on year. The exception was a decrease in the number of direct debits (of 3% year on year).

The number of credit transfers increased by 66 million year on year to 977.8 million. Within credit transfers, the number of credit transfers initiated in a file/batch rose slightly, by 2.8 million to 63.1 million. Credit transfers initiated on a single payment basis recorded a year-on-year increase of almost 8% to 905.3 million.

The number of payments using cards issued by resident payment service providers rose markedly again in year-on-year terms, reaching almost 1.8 billion. Compared with the almost 1.5 billion recorded in 2020, this represented an increase of 309 million transactions. Of the total number of payment card transactions, almost 93% were conducted using debit cards.

Chart 2: Number of credit transfers and number of card payments (in millions)

Chart 2: Number of credit transfers and number of card payments

Numbers of over-the-counter transactions and by type of accepting device

The number of transactions at terminals provided by residents using cards issued by residents grew year on year. The number of transactions at terminals provided by residents using cards issued by non-residents doubled year on year. By contrast, the number of over-the-counter cash withdrawals and deposits declined in 2021 compared to the previous year.

The number of transactions at accepting devices provided by residents using cards issued by residents grew by 164 million year on year to 1.3 billion. Of this number, ATM withdrawals fell by 300,000 to 139 million. The number of transactions at accepting devices provided by residents using cards issued by non-residents, which were mainly payments by foreign visitors, rose sharply, by 65 million year on year to 132 million. The number of transactions using cards issued by residents at accepting devices provided by non-residents (comprising both ATM and POS transactions) grew by 68 million year on year to 318 million. However, the record number from 2019, when 382 million transactions were conducted at non-resident terminals, has not been exceeded yet.

Payment values by payment service type

The value of credit transfers picked up year on year. The values of payments using cards issued by resident payment institutions also increased.

The value of credit transfers rose by almost CZK 14 billion year on year to CZK 168 billion in 2021. The value of direct debits increased significantly, by CZK 57 billion year on year to CZK 226 billion.

The value of payments using cards issued by resident banks and foreign bank branches (except cards with an e-money function only) increased from CZK 926 billion to CZK 1,148 billion in 2021, of which the value of debit card payments grew by CZK 214 billion. The value of credit card payments rose by CZK 9 billion to CZK 99 billion.

Chart 3: Value of debit and credit card payments (in CZK billions)

Chart 3: Value of debit and credit card payments

Values of over-the-counter transactions and by type of accepting device

All ATM withdrawals (regardless of whether they were conducted using a resident card or ATM) recorded an increase in value. The value of transactions at accepting devices provided by residents using cards issued by non-residents rose sharply year on year.

The total value of transactions at accepting devices provided by residents using cards issued by residents grew to CZK 1.8 trillion in 2021. Withdrawals from ATMs made up CZK 779 billion of this amount, up by CZK 70 billion on 2020. ATM deposits (except e-money transactions) accounted for CZK 348 billion and POS transactions for CZK 673 billion.

The value of transactions at accepting devices provided by residents using cards issued by non-residents increased rapidly, by CZK 251 billion year on year to CZK 316 billion, which was significantly affected by the expansion of terminals operated by Czech payment service providers abroad. The value of transactions at accepting devices provided by non-residents using cards issued by residents grew year on year to CZK 239 billion. ATM withdrawals accounted for CZK 25 billion of this amount.

In 2021, the value of over-the-counter cash withdrawals fell by CZK 9 billion to CZK 365 billion and the value of over-the-counter cash deposits declined by CZK 38 billion to CZK 498 billion.

Chart 4: Value of ATM cash withdrawals (residents using a resident card) (in CZK billions)

Chart 4: Value of ATM cash withdrawals (residents using a resident card)


Notes: