Proven for 35 years: girocard is the first choice in retail sector
girocard publishes annual figures for 2024 - Growth in active terminals exceeds ten-year trend - Around nine out of ten payments are contactless
Frankfurt am Main, February 18, 2025: Whether in a traditional wallet or digitally on a smartphone, girocard remains girocard preferred cashless payment method store checkouts in 2024. Thirty-five years after the introduction of card PIN payments—at that time still known ascard it continues to be the market leader in retail sector brick-and-mortar retail sector. Last year, consumers used the debit card issued by German banks and Sparkassen around 7.9 billion times. The payment system has once again proven its popularity, growing by 5.6 percent compared to the previous year (7.5 billion transactions). Overall, girocard generated sales of €307 billion (2023: €304 billion) girocard this period, representing an increase of 0.9 percent.
More and more retailers are accepting girocard
The retail sector also continued retail sector clearly on the girocard system and further expanded the number of acceptance points. For the first time, customers used the German banking industry's debit card at up to 1,208,000 payment points (2023: up to 1,132,000). This corresponds to an increase of 6.7 percent in active terminals. The growth rate is thus above the ten-year trend of 4.9 percent. In addition to customers, who can card use their familiar card at even more terminals, the retail sector, the catering industry, and other service providers also benefit from girocard the most affordable cashless card payment method with a payment guarantee.
Consumers prefer to pay contactless
Last year, the average transaction amount girocard was €38.85 (
), falling below €40 for the first time (2023: €40.69). This figure has been falling steadily for years, showing that customers are using their girocard more frequently, even for smaller purchases. They prefer to pay contactless by holding up their card: in December last year, the contactless share girocard reached a new high of around 87 percent (2023: 84 percent).
35 years of girocard: reliability and constant innovation
The formercard stillcard a magnetic strip and was initially designed only for withdrawing cash from ATMs. girocard has now been using chip technology girocard many years. During the pandemic, the debit card linked to the checking account brought contactless functionality to the masses—not least because of its widespread use, with around 100 million cards issued. On behalf of the German Banking Industry Committee, EURO Kartensysteme is constantly developing girocard a scheme manager. The aim is to position girocard for the future and consolidate its position as the most popular debit card.
You can find graphics and pictures of the girocard here.
About girocard:
The "girocard" brand stands for the overarching framework of the German banking industry: the girocard system as a debit card payment method and the "German ATM system." By using a personal identification number (PIN) the Germany Banking Industry Committee guarantees the secure and easy use girocard. The name and logo girocard were introduced by the German Banking Industry Committee in 2007.
About EURO Kartensysteme:
As a joint venture of the German banking industry, EURO Kartensysteme GmbH performs tasks in the common interest of German banks and Sparkassen the area of card-based payment services. As scheme manager, EURO Kartensysteme GmbH bundles core competencies in the girocard system. Its tasks include product management, sales, and scheme administration, as well as marketing and PR for girocard. The company's range of services also includes the development of operational security standards and methods for combating fraud, as well as Mastercard license management.
Contact:
EURO Kartensysteme GmbH
Lisa Werner / Jessica Henke
Communication and Marketing
Tel.: +49 (0)69 / 97945-4853
Fax: +49 (0)69 / 97945-4847
presse@eurokartensysteme.de
Public. Agentur für Kommunikation GmbH
Eileen Oelschläger
Consultant
Tel.: +49 (0)621 / 963600-26
e.oelschlaeger@agentur-publik.de
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girocard annual figures 2024 Press release
girocard annual figures 2024 Press graphic
girocard annual figures 2024 Press image
girocard annual figures 2024 Trend sales 2015-2024
girocard annual figures 2024 Trend terminals 2015-2024
girocard annual figures 2024 Trend transactions 2015-2024
