Visa and MasterCard market share in Europe 2018, by country

Visa and MasterCard had varying market shares across 15 different European countries in 2018, sometimes significantly lower than domestic payment card schemes. In Germany, for example, the domestic card scheme of Girocard had a market share of 72 percent (including both offline as well as online payments), whereas Visa and MasterCard each made up around 13 percent of the market. A country like Italy, on the other hand, was more split. Bancomat cards made up 46 percent of transactions, whereas MasterCard and Visa each held a market share of approximately 25 percent. Comparing Europe's payment debit and credit schemes against each other shows how different each country approaches this. Note that this overview only includes card schemes that issue their own cards. Belgium's Bancontact, for example, can be found on Belgian-issued payment cards whereas the Netherlands' iDEAL (a popular bank transfer system for online purchases) is not found on card, but serves more as an online service instead.

Market share of payment card schemes in 15 countries in Europe in 2018

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Release date

February 2020



Survey time period


Special properties

includes both POS (offline) as well e-commerce (online) transactions

Supplementary notes

* The source did use "domestic card scheme" but named the payment method for each country. For convenience in this overview, they were put together in this single column. Here, "domestic card scheme" stands for payment card schemes that only exist within specific countries and are either not known or not commonly used abroad. The source referred to the following schemes:

  • Belgium: Bancontact;
  • Denmark: Dankort;
  • France: Cartes Bancaires;
  • Germany: Girocard;
  • Italy: Bancomat;
  • Norway: BankAkzept;
  • Russia: MIR. Golden Crown, a bank transfer system that allows consumers to send money from Russia to its neighboring countries, was put in "others".
Percentage points exceeding or missing to 100 percent are probably due to rounding.

The source mentions the numbers have been compiled "using a mixture of primary and secondary data sources. Primary refers to their own surveys and commissioned research; whereas secondary refers to authoritative third-party vendor data, and other publicly available data." No specifics, however, are given.

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