Commentary on payment statistics

2019

Numbers of cards and accepting devices

The total number of cards (irrespective of their number of functions) and the number of accepting devices (ATMs and payment terminals) again recorded year-on-year growth in 2019.

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 608,000 year on year, reaching 13.0 million at the end of 2019. Of this number, 11.4 million were debit cards. The number of credit cards continued to decline year on year, falling by 48,000 to 1.6 million.

The number of ATMs operated by Czech banks again increased slightly year on year, rising by 91. Of this total number, 96% were ATMs with a cash withdrawal function. However, these data also include ATMs operated by Czech entities abroad. Conversely, they 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 almost 27,000 year on year to 210,000 at the end of 2019. Of this number, 191,000 were electronic funds transfer at point of sale (EFTPOS) terminals.

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

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 42 million year on year to 897 million. Within credit transfers, the number of credit transfers initiated in a file/batch fell by 600,000 to 61.3 million. By contrast, credit transfers initiated on a single payment basis recorded a year-on-year increase of 5% to 824 million.

The number of payments using cards issued by resident payment institutions rose markedly again in year‑on-year terms, reaching 1.3 billion. Compared with the 1.1 billion recorded in 2018, this represented an increase of 203 million transactions. Of the total number of payment card transactions, 90% were conducted using debit cards.

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

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 saw a substantial year-on-year increase, as did the number of transactions at terminals provided by residents using cards issued by non-residents. By contrast, the number of over-the-counter cash withdrawals and deposits declined.

The number of transactions at accepting devices provided by residents using cards issued by residents grew by 110 million year on year to 1.1 billion. Of this number, ATM withdrawals fell by 6 million to 173 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 by 18 million year on year to 80 million. By contrast, the number of transactions using cards issued by residents at accepting devices provided by non-residents (comprising both ATM and POS transactions) went up by 92 million to 383 million.

Payment values by payment service type

The value of credit transfers edged down year on year. By contrast, the values of payments using cards issued by resident payment institutions increased.

The value of credit transfers fell by almost CZK 3 billion year on year to CZK 150 billion in 2019. By contrast, the value of direct debits rose by CZK 5 billion year on year to CZK 192 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 711 billion to CZK 808 billion in 2019, of which the value of debit card payments grew by CZK 108 billion. By contrast, the value of credit card payments dropped by almost CZK 11 billion year on year to CZK 91 billion. The value of total cross-border payments received (excluding card payments) also increased by CZK 115 billion to CZK 9.2 trillion.

Chart 3: Value of debit and credit card payments

Chart 3: Value of debit and credit card payments

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

All transactions except over-the-counter cash withdrawals and deposits and withdrawals from ATMs provided by residents using cards issued by non-residents recorded year-on-year growth in value. 

The total value of transactions at accepting devices provided by residents using cards issued by residents rose to CZK 1.5 billion in 2019. Withdrawals from ATMs made up CZK 780 billion of this amount, up by almost CZK 20 billion on 2018. ATM deposits (except e-money transactions) accounted for CZK 245 billion and POS transactions for CZK 513 billion.

The value of transactions at accepting devices provided by residents using cards issued by non-residents grew by CZK 10 billion year on year to CZK 96 billion. The value of transactions at accepting devices provided by non-residents using cards issued by residents grew year on year to CZK 284 billion. Withdrawals from ATMs made up CZK 26 billion of this amount.

In 2019, the value of over-the-counter cash withdrawals fell by almost CZK 20 billion to CZK 458 billion and the value of over-the-counter cash deposits declined by almost CZK 60 billion to CZK 713 billion.

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

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


Notes: