Credit card payments, combined with delayed debit card transactions, were worth nearly 3.1 billion euros in 2022, an increase of over 30 percent. This is according to figures from Spain's central bank. The exact market size of credit cards in Spain is unknown, as the country does not investigate or report such figures. It is one of the very few countries in the world to do so. "Pure" credit cards, so the source wrote, are used much less than the delayed debit cards. Spain also does not report such figures to other organizations, such as the European Central Bank or the Bank for International Settlements.
Total number of credit card transactions processed for payments in Spain from 2014 to 2022
Characteristic
Credit card and delayed debit card transactions (in millions)
Credit card and delayed debit card per capita
2022
3,097.63
75
2021
2,364.33
58
2020
1,815.36
45
2019
1,720.94
43
2018
1,482.07
37
2017
1,519
38
2016
1,363.38
35
2015
1,275.1
32
2014
1,372.8
35
Created with Highcharts 7.2.2Number of credit card and delayed debit card transactions inmillionsCredit card and delayed debit card payments per capitaCredit card and delayed debit card transactions (in millions)Credit card and delayed debit card per capita201420152016201720182019202020212022
08001,6002,4003,2004,000
304050607080
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The source states that "delayed debit cards are used much more in Spain than pure credit cards. (...). The difference between credit and delayed debit lies in the way funds are transferred. In the case of delayed debit cards, funds are transferred on a single charge at the end of the month without interest charges whereas the payment is split into several collection periods with their respective interest charges in the case of credit cards."
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Statista. (February 26, 2024). Total number of credit card transactions processed for payments in Spain from 2014 to 2022 [Graph]. In Statista. Retrieved March 04, 2025, from https://www.statista.com/statistics/788678/card-payment-in-spain/
Statista. "Total number of credit card transactions processed for payments in Spain from 2014 to 2022." Chart. February 26, 2024. Statista. Accessed March 04, 2025. https://www.statista.com/statistics/788678/card-payment-in-spain/
Statista. (2024). Total number of credit card transactions processed for payments in Spain from 2014 to 2022. Statista. Statista Inc.. Accessed: March 04, 2025. https://www.statista.com/statistics/788678/card-payment-in-spain/
Statista. "Total Number of Credit Card Transactions Processed for Payments in Spain from 2014 to 2022." Statista, Statista Inc., 26 Feb 2024, https://www.statista.com/statistics/788678/card-payment-in-spain/
Statista, Total number of credit card transactions processed for payments in Spain from 2014 to 2022 Statista, https://www.statista.com/statistics/788678/card-payment-in-spain/ (last visited March 04, 2025)
Total number of credit card transactions processed for payments in Spain from 2014 to 2022 [Graph], Statista, February 26, 2024. [Online]. Available: https://www.statista.com/statistics/788678/card-payment-in-spain/
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