# Research reports

Payments in Poland, 2025 Report

## Payments in Poland, 2025

Poland's payment market continued its rapid expansion through 2024. The total number of payments in Poland exceeded 15.4 billion transactions, or approximately 420 transactions per capita, marking a robust 12% year-over-year growth. The largest portion of payment volumes—approximately 10 billion transactions—can be attributed to payment cards, which account for roughly 65% of all payments processed in the country. The remaining volume is almost evenly split between ACH credit transfers and BLIK, the leading domestic mobile payment system. In a broader European context, Poland ranks fifth in terms of payment volume, trailing only the UK, Germany, France, and Spain.
Outlook
The payments market is currently in a phase of rapid growth, and barring extraordinary events, this trajectory is expected to continue at least through 2026. As the Polish economy expands and eCommerce volumes are projected to grow further, the payments market is likely to sustain double-digit growth over the next two years. Key drivers will include the continued expansion of BLIK—which is expected to contribute the most—and payment cards, which, despite slower growth, will still account for a significant share of overall volume increases. Additionally, Express Elixir volumes, closely linked to BLIK, may experience a surge once payment deregulation progresses. However, there are a number of risk factors to consider moving forward, including regulatory issues. Although Poland is part of the Single Euro Payments Area (SEPA), it is not a Eurozone member. This status has allowed Poland to partially delay implementing extensive EU regulatory frameworks in the payments sector—historically benefiting local financial institutions but potentially dampening innovation. The significant upcoming changes affecting retail transactions and the shift towards real-time payments could have a substantial impact, although the outcome remains difficult to project.
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## Table of contents

Executive Summary
1. Payments in Poland and in Europe
Slide 1: Consumer markets in Europe, 2023
Slide 2: Total payments in Poland, structure by type, 2019-2024F
Slide 3: Total payments: Europe vs. Poland, structure, 2023
Slide 4: Total payments: Europe vs. Poland, growth, 2021-2023
Slide 5: Card payment volumes in Europe & in Poland, total and per capita, 2023
Slide 6: Card payment volumes in Europe & in Poland, growth, 2021-2023
2. Payments and payment infrastructure in Poland
Slide 7: Card payments in Poland, 2019-2024F
Slide 8: POS infrastructure evolution in Poland, 2015-1H 2024
Slide 9: ATM networks in Poland, 2016-1H 2024, Top ATM operators
Slide 10: Cash withdrawals in Poland, 2019-2024F
Slide 11: Cash in circulation and interest rates in Poland, 2012-Oct.2024
Slide 12: Cards issued in Poland, 2019-1H 2024, split by type & brand, 1H 2024
Slide 13: Cards issued in Poland by major issuers, 1H 2024, split by type debit/credit
Slide 14: Payment Systems in Poland: ACH and other;
Slide 15: Payment Systems in Poland, Transaction volumes, 2019-2024E
Slide 16: Users of mobile apps of key banks, mobile app use ratio by clients, 3Q 2024
Slide 17: Evolution of online/mobile banking users 2018-1H 2024
Slide 18: Number of cards used in mobile payments/wallets and contactless payments, 1H 2024
Slide 19: Mobile payments system BLIK - key features and transaction volumes 2020-2024E
3. Payment methods in eCommerce - 2024 survey results
Slide 20: Payment methods in eCommerce - Research Overview, Dec. 2024
Slide 21: Payment methods offered by major online merchants, Dec. 2024
Slide 22: Payment gateways/aggregators used by major online merchants, Dec. 2024
Slide 23: Payment methods: Wallets offered by major online merchants, Dec. 2024
Slide 24: Payment methods: BNPL financing offered by major online merchants, Dec. 2024
Slide 25: Payment methods: POS loans financing offered by major online merchants, Dec. 2024
4. Forecast
Slide 26: Total payment volumes (billion tx) in Poland forecast, 2024-2026
End of report.
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