Payments in Poland, 2025

O tym raporcie

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. --------------------------------------------------------------------------------------------------------------------------------------