Credit card transactions in Spain

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

08001,6002,4003,2004,000

304050607080

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Release date

February 2024

More information

Region

Spain

Survey time period

2014 to 2022

Special properties

Spain does not separate between credit cards and delayed debit cards; No figures were provided from before 2014

Supplementary notes

All figures have been gathered and calculated by Statista, based on information from various sources. These include:

Spain's central bank, Banca de Espana, or BDE;
Bank for International Settlements (BIS), itself using data from the country's central bank or chief payments organization;
World Bank.

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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