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2009 facts and figures

Quarterly market trends

The quarterly statistical release provides a regular update, with statistics covering debit and credit card spending, credit card lending and repayments and outstanding balances. This is an example of the regular dissemination of industry information.

 

Number of cards at year end

  • The number of adults with a credit or charge card decreased to 30.3 million from a peak of 31.6 million in 2005. This represented 62% of the adult population.
  • 20.2 million credit or charge card holders used their cards regularly at least once a month, down from 20.5 million in 2008. On average each regular user made 93 purchases per annum, spending £103 per week on their cards, with an average transaction value of £57 for credit cards.
  • There were 162.6 million cards in issue – 58.2 million credit cards, 6.4 million charge cards, 79.2 million debit cards, 18.5 million ATM-only cards and 0.4 million stand-alone cheque guarantee cards.

Credit and charge card figures

Credit card purchases

  • The number of adults with a credit or charge card decreased to 30.3 million from a peak of 31.6 million in 2005. This represented 62% of the adult population.
  • 20.2 million credit or charge card holders used their cards regularly at least once a month, down from 20.5 million in 2008. On average each regular user made 93 purchases per annum, spending £103 per week on their cards, with an average transaction value of £57 for credit cards.
  • There were 162.6 million cards in issue – 58.2 million credit cards, 6.4 million charge cards, 79.2 million debit cards, 18.5 million ATM-only cards and 0.4 million stand-alone cheque guarantee cards.

Debit card figures

Debit card transactions* as percentage of card market

  • Debit cards were used to make 5.9 billion purchases in the UK to a value of £264 billion.
  • Debit cards were used 2.5 billion times to acquire £171 billion of cash in the UK.
  • There were 43.1 million debit card holders, accounting for 85% of the adult population.
  • There were 30.8 million regular users of debit cards, each making 188 payments on average during the year in the UK with an average transaction value of £45.
  • More than half of all debit card holders had only one debit card while 3% had four or more.
  • The number of debit card payments is forecast to grow from 5.9 billion to 10.8 billion payments between 2009 and 2019, and spending to increase from £264 billion to £513 billion over the same period.

Internet card use

Consumer internet card spending

  • 33.9 million adults purchased goods and services over the internet, equating to 67% of the adult population.
  • 608 million card payments were made online with a total spend of £47.2 billion. Of these payments, 48% were made using debit cards and 52% using credit or charge cards.
  • The average value of online debit card and credit or charge card transactions were £72 and £83 respectively.
  • Fraud losses on UK-issued plastic cards amounted to £440.3 million, a decrease of £169.6 million or 28% on 2008.

Card expenditure statistics

Card Expenditure Statistics reveal where credit, debit and charge cards are used in the UK. They are reported to The UK Cards Association by banks and other financial institutions, known as merchant acquirers, that process plastic card transactions on behalf of businesses and enterprises.

Spending is shown separately for debit and credit cards, by volume and by value, and the location is broken down into the principle UK retail and services sectors with a detailed analysis covering over 100 merchant categories across the full range of industries in the UK.

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