Facts and figures
- Summary figures (2009)
- Credit and charge card figures (2009)
- Debit card figures (2009)
- Card expenditure statistics (monthly)
- Internet card use (2009)
- Plastic fraud figures (2009)
Summary Figures (2009)
- 46.4 million adults had a payment or ATM-only card, including 44.3 million with a payment card.
- 20.2 million credit or charge card holders used their cards regularly at least once a month, down from 20.5 million in 2008.
- There were 162.6 million cards in issue – 58.1 million credit cards, 6.4 million charge cards, 79.3 million debit cards, 18.5 million ATM-only cards and 0.4 million stand-alone cheque guarantee cards.
Credit and Charge Card Figures (2009)
- The number of adults with a credit or charge card decreased to 30.3 million in 2009 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.
- Each personal cardholder has 2.1 credit or charge cards.
- Credit and charge cards were used to make 2.0 billion purchases in the UK to a value of £139.0 billion.
- Credit and charge card purchase volumes are projected to increase to 3.0 billion by 2019, with spend in that year of £196 billion.
Debit Card Figures (2009)
- 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.
Card expenditure statistics (June 2010)
Card Expenditure Statistics report June 2010
Internet Card Use (2009)
- 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.
Plastic Fraud Figures (2009)
- Card fraud losses in 2009 totalled £440.3m in 2009. That’s 28% or £170m less than in 2008.
- The two main areas of fraud were on transactions not protected by chip and PIN: specifically internet, phone and mail order fraud; and fraud abroad - committed by criminals using stolen UK card details in countries yet to upgrade to chip and PIN - which has nearly doubled in two years.
- The introduction of chip and PIN means that lost and stolen card fraud is now at its lowest level since the collation of industry fraud losses began in 1991.
| Card Fraud Type – on UK issued credit and debit cards | 2005 | 2006 | 2007 | 2008 | 2009 |
| Card-not-present fraud | £183.2m | £212.7m | £290.5m | £328.4m | £266.4m |
| Counterfeit fraud | £96.8m | £98.6m | £144.3m | £169.8m | £80.9m |
| Fraud on lost or stolen cards | £89.0m | £68.5m | £56.2m | £54.1m | £47.9m |
| Card ID theft | £30.5m | £31.9m | £34.1m | £47.4m | £38.2m |
| Mail non-receipt | £40.0m | £15.4 m | £10.2m | £10.2m | £6.9m |
| TOTAL | £439.4m | £427.0m | £535.2m | £609.9m | £440.3m |
| Contained within this total: | |||||
| UK retail face-to-face transactions | £135.9m | £72.1m | £73.0m | £98.5m | £72.1m |
| UK cash machine fraud | £65.8m | £62.0m | £35.0m | £45.7m | £36.7m |
| Domestic/International split of total figure: | |||||
| UK fraud | £356.6m | £309.9m | £327.6m | £379.7m | £317.6m |
| Fraud abroad | £82.8m | £117.1m | £207.6m | £230.1m | £122.7m |
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