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COMPETITIVE LANDSCAPE
SIBS lead operator
Although SIBS’s MB does not process credit transactions, SIBS maintained its position as the leading operator in charge cards in 2024, supported by the prevalence of co-badged cards. In terms of transaction value, Visa strengthened its leading position, having expanded its agreements with banks in recent years and attracting issuers away from Mastercard.
Santander maintains lead
Santander maintained its position as the leading issuer of charge cards in 2024. Alongside the strengthening of its overall offering for commercial clients, the bank also benefited from the phasing out of charge card issuance by Banco Comercial Português, with a similar effect anticipated in 2025 as Banco Português de Investimento also withdraws from charge cards.
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Overview:
Understand the latest market trends and future growth opportunities for the Charge Card Transactions industry in Portugal with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Charge Card Transactions industry in Portugal, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Charge Card Transactions in Portugal report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Charge Card Transactions in Portugal?
- What are the major trends key to understanding Charge Card Transactions in Portugal?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Charge Cards in Portugal - Category analysis
Charge Cards in Portugal - Company Profile
KEY DATA FINDINGS
Charge cards lose out to credit cards
Charge cards continue to lose momentum
Fall in transaction value
Continuing decline over forecast period
Users switching to credit cards
No new players expected
SIBS lead operator
Santander maintains lead
Table 1 Charge Cards: Number of Cards in Circulation 2020-2025
Table 2 Charge Cards Transactions 2020-2025
Table 3 Charge Cards in Circulation: % Growth 2020-2025
Table 4 Charge Cards Transactions: % Growth 2020-2025
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 6 Commercial Charge Cards Transactions 2020-2025
Table 7 Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 8 Commercial Charge Cards Transactions: % Growth 2020-2025
Table 9 Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 10 Personal Charge Cards Transactions 2020-2025
Table 11 Personal Charge Cards in Circulation: % Growth 2020-2025
Table 12 Personal Charge Cards Transactions: % Growth 2020-2025
Table 13 Charge Cards: Number of Cards by Issuer 2020-2024
Table 14 Charge Cards: Number of Cards by Operator 2020-2024
Table 15 Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 16 Charge Cards Payment Transaction Value by Operator 2020-2024
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
Table 18 Commercial Charge Cards: Number of Cards by Operator 2020-2024
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
Table 21 Personal Charge Cards: Number of Cards by Issuer 2020-2024
Table 22 Personal Charge Cards: Number of Cards by Operator 2020-2024
Table 23 Personal Charge Cards Transaction Value by Issuer 2020-2024
Table 24 Personal Charge Cards Transaction Value by Operator 2020-2024
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
Table 26 Forecast Charge Cards Transactions 2025-2030
Table 27 Forecast Charge Cards in Circulation: % Growth 2025-2030
Table 28 Forecast Charge Cards Transactions: % Growth 2025-2030
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
Table 30 Forecast Commercial Charge Cards Transactions 2025-2030
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
Table 34 Forecast Personal Charge Cards Transactions 2025-2030
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
Credit Cards in Portugal - Category analysis
Credit Cards in Portugal - Company Profile
KEY DATA FINDINGS
Credit cards key payment tool in e-commerce space
Credit cards on a high growth trajectory
Increasing number of transactions, with average value per transaction falling
Sustained growth over forecast period
AI, rewards, and customisation shaping the future of credit cards
Increasingly competitive landscape and emergence of new players
SIBS maintains dominance, but Visa accounts for significant transacton value
BNP Paribas leading issuer, with its Cetelem brand
Table 37 Credit Cards: Number of Cards in Circulation 2020-2025
Table 38 Credit Cards Transactions 2020-2025
Table 39 Credit Cards in Circulation: % Growth 2020-2025
Table 40 Credit Cards Transactions: % Growth 2020-2025
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 42 Commercial Credit Cards Transactions 2020-2025
Table 43 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 44 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 45 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 46 Personal Credit Cards Transactions 2020-2025
Table 47 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 48 Personal Credit Cards Transactions: % Growth 2020-2025
Table 49 Credit Cards: Number of Cards by Issuer 2020-2024
Table 50 Credit Cards: Number of Cards by Operator 2020-2024
Table 51 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 52 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 54 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 57 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 58 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 62 Forecast Credit Cards Transactions 2025-2030
Table 63 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 64 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 66 Forecast Commercial Credit Cards Transactions 2025-2030
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 70 Forecast Personal Credit Cards Transactions 2025-2030
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
Debit Cards in Portugal - Category analysis
Debit Cards in Portugal - Company Profile
KEY DATA FINDINGS
Commercial debit cards see significant growth
Healthy growth in numbers of cards in circulation, with commercial credit cards registering even higher growth
Increasing debit card transactions, with transaction value lowering
Continuing growth over forecast period
Fuelling transaction value: commercial cards set to lead growth
Revolut could emerge as a significant competitor over the forecast period
SIBS continues to be the leading network
CGD leading issuer, but Santander makes most gains
Table 73 Debit Cards: Number of Cards in Circulation 2020-2025
Table 74 Debit Cards Transactions 2020-2025
Table 75 Debit Cards in Circulation: % Growth 2020-2025
Table 76 Debit Cards Transactions: % Growth 2020-2025
Table 77 Debit Cards: Number of Cards by Issuer 2020-2024
Table 78 Debit Cards: Number of Cards by Operator 2020-2024
Table 79 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 80 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 82 Forecast Debit Cards Transactions 2025-2030
Table 83 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 84 Forecast Debit Cards Transactions: % Growth 2025-2030
Pre-Paid Cards in Portugal - Category analysis
Pre-Paid Cards in Portugal - Company Profile
KEY DATA FINDINGS
Healthy performance in 2025, though future uncertain
Pre-paid cards reporting strong increase in 2025
Only marginal increase in closed loop transactions
SIBS largest operator, but Mastercard accounts for highest transaction value
Otlis leading issuer of closed loop cards, while Revolut maintains strong lead in open loop
Pre-paid cards face structural decline
Continente set to emerge as a leading player
Fintechs driving innovation in the pre-paid card segment
Table 85 Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 86 Pre-paid Cards Transactions 2020-2025
Table 87 Pre-paid Cards in Circulation: % Growth 2020-2025
Table 88 Pre-paid Cards Transactions: % Growth 2020-2025
Table 89 Closed Loop Pre-paid Cards Transactions 2020-2025
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 91 Open Loop Pre-paid Cards Transactions 2020-2025
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 93 Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 94 Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 95 Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 96 Pre-paid Cards Transaction Value by Operator 2020-2024
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
Table 106 Forecast Pre-paid Cards Transactions 2025-2030
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030
Store Cards in Portugal - Category analysis
Store Cards in Portugal - Company Profile
KEY DATA FINDINGS
Lack of innovation stymies store cards
Store cards in decline amid shift to co-branded credit solutions
Decline in overall transaction value, though average value per transaction increases
Store cards see further decline
BNPL gaining ground, with store cards losing out
El Corte Inglés: potential shift from store card to fully-fledged credit card
Oney still leads but focusing more on credit cards
El Corte Inglés lies in second position
Table 113 Store Cards: Number of Cards in Circulation 2020-2025
Table 114 Store Cards Transactions 2020-2025
Table 115 Store Cards in Circulation: % Growth 2020-2025
Table 116 Store Cards Transactions: % Growth 2020-2025
Table 117 Store Cards: Number of Cards by Issuer 2020-2024
Table 118 Store Cards: Payment Transaction Value by Issuer 2020-2024
Table 119 Forecast Store Cards: Number of Cards in Circulation 2025-2030
Table 120 Forecast Store Cards Transactions 2025-2030
Table 121 Forecast Store Cards in Circulation: % Growth 2025-2030
Table 122 Forecast Store Cards Transactions: % Growth 2025-2030
Financial Cards and Payments in Portugal - Industry Overview
Continuing shift from physical cards to instant, mobile payments
KEY DATA FINDINGS
Increasing numbers of cards in circulations
Instant transfers receive boost from new regulations
Fintechs on the rise: driving innovation in Portugal’s payments landscape
AI plays increasing role
Winners and loser over forecast period
Increasingly seamless experience
Further consolidation in competitive landscape
OTLIS leading issuer, but Revolut makes most gains
SIBS leading operator that thrives on innovation
Table 123 Number of POS Terminals: Units 2020-2025
Table 124 Number of ATMs: Units 2020-2025
Table 125 Value Lost to Fraud 2020-2025
Table 126 Card Expenditure by Location 2025
Table 127 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 128 Domestic versus Foreign Spend 2025
Table 129 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 130 Financial Cards by Category: Number of Accounts 2020-2025
Table 131 Financial Cards Transactions by Category: Value 2020-2025
Table 132 Financial Cards by Category: Number of Transactions 2020-2025
Table 133 Consumer Payments by Category: Value 2020-2025
Table 134 Consumer Payments by Category: Number of Transactions 2020-2025
Table 135 M-Commerce by Category: Value 2020-2025
Table 136 M-Commerce by Category: % Value Growth 2020-2025
Table 137 Financial Cards: Number of Cards by Issuer 2020-2024
Table 138 Financial Cards: Number of Cards by Operator 2020-2024
Table 139 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 140 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 141 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 142 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 143 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 144 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 145 Forecast Consumer Payments by Category: Value 2025-2030
Table 146 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 147 Forecast M-Commerce by Category: Value 2025-2030
Table 148 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
Summary 1 Research Sources
The following categories and subcategories are included:
Charge Card Transactions
- Commercial Charge Card Transactions
- Personal Charge Card Transactions
Charge Card Transactions
A charge card (sometimes referred to as a Travel and Entertainment card) shares the “pay later” component with credit cards. However, charge card balances normally have to be paid off monthly and do not attract interest charges. Charge cards typically possess high (or even no) pre-set spending limits and may carry a high annual fee. Payments are tracked based on the country of residence / account issuance and include outbound spend while excluding inbound spend.
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This report originates from Passport, our Charge Card Transactions research and analysis database.
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