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Synthèse
The global prepaid card market has seen significant trends and growth from 2020 onwards. According to Worldpayglobal data, by 2022, e-wallets will dominate online payment methods worldwide, accounting for49%, compared with just 29% in Europe, reflecting the region's preference for debit cards, bank transfers and deferred payments. In physical outlets, there is also a clear shift towards e-wallets, with projected growth from 25.7% in 2020 to 43% by 2026.
Regionally, the Middle East and Africa lead the way in prepaid card usage, with a market share of 4% online and 6.2% in POS in 2020, with overall usage set to decline, except for POS payments in North America, Europe and Latin America.
The French prepaid card market reflects this diversity and accessibility, with key players such as Nickel de62 million and showing substantial year-on-year growth, reaching around 3.6 million accounts by September 30, 2023, marking a 25% increase on the same period in 2022. Cashless payments have also increased, reaching 30.6 billion transactions in 2022, with bankcards the first choice of French consumers, rising from 56.9% to 59.6% of cashless transactions.
Contactless payments have also increased, accounting for 61% of proximity card payments in 2022, meaning that the population is turning to digital payment solutions
The French prepaid bankcard market: Evolving demand and emerging trends
The French prepaid bankcard market, reflecting a global trend towards alternative payment methods, shows a growing pree-wallets and regular use of debit and credit cards. The use of e-wallets in France, while not as dominant as globally, still represents a significant share of almost 30%, suggesting a shift in favor of digital wallets over traditional banking methods. This movement parallels the resistance of bankcard use, which remains predominant in cashless transactions in France.
Against this backdrop, demand for prepaid bankcards persists, meeting a variety of consumer needs. They are ideal for parents who want to teach their children about financial management from an early age. What's more, these cards are becoming much-appreciated gifts, in line with the popularity of gift cards. Worldwide, their use in physical outlets is expected to remain relatively stable at around 3.4% in 2020, with a slight increase forecast in North America, Europe and Latin America.
In France, the prepaid card landscape stands out for its diversity and accessibility. Sought-after for their convenience and control over spending, these cards appeal to a wide audience, including the unbanked and those concerned about the security of online transactions. France has seen a growth in non-liquid means of payment, particularly since the health crisis, with card payments now accounting for over 60% of all cashless payments. French consumers have a high level of confidence in non-liquid means of payment, with bankcards being the most reliable and widely used, while prepaid cards enjoy a high level of trust (89%), reflecting a strong perception of their security and reliability. This confidence is underpinned by the steady number of e-money establishments, which has tripled between 2014 and 2021.
The growing use of contactless payments in France, which will reach 60% by volume from 2022, underlines society's focus on convenience and hygiene, partly due to the COVID-19 pandemic. Prepaid cards have followed suit, offering additional security, catering to specific uses and providing different levels of anonymity depending on the place of purchase.
Despite their versatility, it is essential to draw attention to the different costs associated with prepaid bankcards, which determine consumer choices based on fees linked to management, withdrawals, foreign transactions and card loading.
The market abounds in a variety of offers, providing a range of services to suit different needs, from standard prepaid offerings to more specific products such as payroll.
The prepaid bankcard landscape is dotted with a wide variety of players, each carving out a niche in response to consumers' diverse financial needs. From traditional banks expanding their digital footprint to neobanks redefining banking convenience, the prepaid card market is brimming with innovation and consumer-centric offerings.
- Nickel - Making banking services accessible Nickel is one of the players that has made the most progress in this area. Run under the banner of La Financière des Paiements Électroniques (FPE), Nickel presents itself as a practical solution for those who need simple, no-fuss banking services. Despite its integration into the BNP Paribas accounts and the absence of separate financial figures, Nickel's appeal is evident in its growing European presence - with successful launches in Germany, Spain, Belgium and Portugal.
- Revolut - Neobanking pioneer Revolut continues to symbolize the neobanking revolution. Renowned for its seamless interface and comprehensive financial management tools, Revolut has not only attracted tech-savvy customers, but also those seeking an international banking experience without the traditional barriers.
- N26 - Redefining the user experience Similarly, N26, another pioneering neobank, has attracted attention for its user-friendly platform and transparent pricing structure. It demonstrates how neobanks are leveraging technology to offer more personalized financial services.
- PCS - Personalized prepaid solutions Prepaid card specialists like PCS offer a plethora of options, from PCS Chrome to PCS Black, all tailored to different consumer habits and needs. Their versatility ensures that, whether you're a budget-conscious student or a traveler navigating between different currencies, there's a variant designed for you.
- Transcash - focused on financial inclusion Transcash has positioned itself as a facilitator of financial inclusion, with its Access and Max offers aimed at people outside the traditional banking sphere. Their prepaid solutions emphasize ease of access and management, illustrating their commitment to democratizing financial services.
- Veritas - Priority to cardholder security Veritas is a strong advocate of security in the prepaid space. While offering basic card services, it focuses on protecting cardholder information and offers additional services such as reduced exchange and withdrawal fees, thus attracting security-conscious customers.
- La Banque Postale - combining tradition and convenience La Banque Postale, with its historical roots and modern vision, did not hesitate to enter the prepaid market. It continues to provide reliable services.
à la compréhension de ce marché
Détail du contenu
Informations
- Nombre de pages : 30 pages
- Format : Version digitale et PDF
- Dernière mise à jour : 02/01/2024
Sommaire et extraits
1 Market overview
1.1 Market overview and definition
According to the Banque de France,prepaid bank cards are payment cards that store electronic money. Prepaid cards are defined as "cards that allow you to have a limited amount of money at your disposal". They are reserved exclusively for private individuals, and some of them are linked to a payment account rather than a real bank account. One of the major differences is that with these accounts, there are no authorized overdraft facilities. Gift cards", "reloadable cards" or "cards for protected persons" are prepaid cards, and the term "reloadable card" has most recently replaced "prepaid bank card". They can be multi-purpose, or have a specific use.
There are many reasons why a consumer might use a prepaid card rather than a more conventional card. Here is a non-exhaustive list:
- For children's education: There is no minimum age for using a prepaid card. This means that parents who want to start educating their children in money management can offer them without risk, as there is no overdraft.
- For gifts: They're a great gift idea, just like the gift cards offered by major retailers.
- Abroad: They can be used anywhere in the world, which means fewer complications in the event of theft.
- For compulsive spenders: These cards do not allow overdrafts
- For those who don't have a bank account: You don't need to have a bank account, and no credit check is carried out before the card is issued.
Proportionally speaking, payment cards are not one of the most widely used means of payment, but two features have made them popular: come prepaid bankcards are available from tobacconists or convenience stores, and it is also possible to own a card anonymously. However, anonymity has raised many questions, and restrictions have been introduced.
The dematerialization of payment methods with the rise of FinTech and neobanks is forcing prepaid bankcards to reinvent themselves, but they are not lacking in creativity, since since the confinement due to the health crisis and the increase in online purchases, prepaid bankcards are presenting themselves as a solution for securing purchases.
1.2 A fast-growing global market
Payment methods worldwide and in Europe
Distribution of online payment methodsWorld, ****/****, as a percentage
Source: ****
When it comes to online payments, there is a notable variation in payment method preference between the global and European scales. on a global scale, the use of e-wallets is significantly higher than in Europe, where ...
1.3 A fragmented French market
Overview of the French prepaid card market
The French prepaid bank card market ischaracterized by its accessibility and diversity. These cards, which are available to everyone regardless of income or banking status, stand out for their ease of use and security. They are particularly well-suited to people who want to control ...
2 Demand analysis
2.1 The French and means of payment
Distribution of payment methods
The year **** marked a continued increase in the use of non-liquid payment methods, a trend that began with the health crisis. Within the real economy, **.* billion transactions were recorded , totaling around **,*** billion euros. This represents a significant increase on ****, when there were **.* billion transactions totaling **,*** billion ...
2.2 Bank card habits
the bankcard continues to gain ground among payment methods, showing growth in **** in both number of transactions and total value, with increases of **% and **% respectively. Despite this upward trend, the total amount of fraud on cards issued in France has stabilized at *** million euros. This stabilization is mainly attributed to the ...
2.3 Other uses for prepaid bankcards: banking independence for young people, foreigners, people in financial difficulty, etc...
One of the raisons d'être of a prepaid bank card is the access it gives to people in difficulty, whether they are unbanked or bank-deprived (***).
The unbanked
In France, we have seen that in ****, *% of the population will be unbanked, which represents * million French people[***].
The unbanked
A person may ...
2.4 Other uses for prepaid bankcards: banking independence for young people, foreigners, etc...
Prepaid bankcards can therefore be a way of helping people in difficulty, for whom this method is the only way of gaining access to a payment card, but they are not the only ones for whom prepaid bankcards are of interest.
*) For young people:
As children reach adolescence, they start ...
2.5 Prepaid cards: a double-edged sword against fraud
Prepaid cards: the ideal tool for fraud?
The use of prepaid cards, while convenient, has proven to be a channel for various frauds, largely due to the anonymity they allow. Since ****, restrictions have been introduced to limit such abuses, such as money laundering.
After Sala Abdeslam used these cards in the ...
3 Market structure
3.1 A complex structure for prepaid bankcards: payment card and e-money card
The prepaid card has different statuses, and this is reflected in a report by the Banque de France, theObservatoire de la sécurité des moyens de paiement l'épargne réglementée, where the prepaid card appears in several definitions:
"The payment card is a category of payment instrument offering ...
3.2 Prepaid card production and use
Now that we've grasped the concept and category of prepaid cards, let's take a closer look at how they are produced and used:
Production
The bank card is a rectangular piece of PVC (***) containing a chip, a magnetic strip and a number of markings required for security. The main production stages ...
3.3 Main distribution channels
Prepaid cards can be distributed through various channels:
Bank: if the card is associated with a bank account Internet: after signing up with an online bank or neobank, the card is simply delivered to your home, a tobacconist's or a retail outlet. At atobacconist's or convenience store (***): Many cards, such as ...
4 Offer analysis
4.1 The different prices of prepaid bank cards
Here's a summary table of different prepaid bank cards (***).
Source: ****
For the cost of a foreign currency withdrawal, some establishments add a fee based on a percentage of the amount, between *% and *%. There are also ceilings for account loading and withdrawals. Few offers allow you to top up with cheques, and ...
4.2 Different types of products
There are many different products in the prepaid bank card sector: in addition to open-circuit cards, which can fulfil the role of a real bank card, there are numerous closed-circuit or restricted prepaid cards, dedicated to a particular brand or sector. A further distinction can be made between anonymous prepaid cards ...
4.3 Prepaid bank card trends: security, service, design
Enhanced security and flexibility for prepaid cards in ****
Prepaid cards in **** offer enhanced security and flexibility for online payments and everyday transactions. Options like Skrill, Viabuy, and Nickel stand out for their adaptability to different user profiles. Skrill offers free payments in physical stores and online, with various top-up limits of ...
4.4 Fintech: The evolution of prepaid card services
The future of prepaid cards in the context of fintech evolution is marked by several key trends:
Integration with digital technology: Fintechs are transforming prepaid cards by integrating advanced digital functionalities. This includes the increased use of e-wallets and mobile applications to manage funds on prepaid cards. The focus is on ...
5 Regulations
5.1 Credit card regulations
Electronic money
Directive ****/**/UC defines electronic money as monetary value stored on a smart card, such as a prepaid card, accepted by institutions other than that of the issuer. The issuer of this smart card is responsible for exchanging cash of equal value for electronic money, and for implementing safeguards against ...
6 Positioning the players
6.1 Market segmentation
Liste des graphiques
- Répartition des mode de paiement en point de ventes physiques
- Part des cartes prépayées par région du monde en fonction du canal de distribution
- Part des cartes prépayées pour certains pays
- Répartition des modes de paiement, en nombre
- Répartition des modes de paiement, en montant
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Dernières actualités
Revolut : la crise de maturité d'une « success story » britannique - 18/01/2024
- L'entreprise a été créée en 2015.
- En 2018, Revolut a obtenu sa première licence bancaire en Lituanie.
- 25% à 30% de leur activité provient du Royaume-Uni.
- L'entreprise a été valorisée à 33 milliards de livres sterling lors d'une levée de fonds en juillet 2021.
- Revolut prévoit des profits dépassant les 300 millions d'euros en 2023.
- L'entreprise compte aujourd'hui 35 millions de clients, un chiffre qu'elle envisage de multiplier par dix dans les 5 à 6 prochaines années.
- En Irlande, le taux d'adoption de Revolut dépasse les 50%.
- Près de 9 millions de clients ont été acquis par Revolut en l'espace d'une année.
- Actuellement, Revolut compte près de 8 millions de clients au Royaume-Uni, soit 12% de la population.
La néobanque Revolut prévoit de doubler son chiffre d'affaires en 2023 - 26/12/2023
- Revolut a dégagé un bénéfice net après impôt de 6,7 millions d'euros en 2022.
- Revolut, créée en 2015, est maintenant présente dans 38 pays.
- En 2022, Revolut a gagné près de 10 millions de clients dans le monde.
- Le chiffre d'affaires a augmenté de 45% en 2022, dépassant le milliard d'euros.
- Revolut devrait compter 37 millions de clients en 2023, dont 2,5 millions en France.
- Les revenus de Revolut devraient quasiment doubler par rapport à 2022, avoisinant les deux milliards d'euros.
- Revolut emploie 8 000 personnes.
Revolut devrait quasiment doubler son chiffre d'affaires en 2023 - 22/12/2023
- Revolut a enregistré un bénéfice net de 5,8 millions de livres sterling en 2022
- Le bénéfice net de la fintech en 2021 était de 26 millions de livres.
- Revolut compte plus de 35 millions de clients dans 38 pays.
- La fintech fait partie du club des entreprises avec plus d'un milliard d'euros de chiffre d'affaires.
- Ses revenus en 2022 ont atteint 919 millions de livres, en hausse de 45% par rapport à 2021. Ses revenus devraient presque doubler en 2023, avec une prévision de 1,7 milliard de livres.
- La fintech a commencé à offrir des prêts à la consommation en France allant de 1 000 euros à 50 000 euros pour une durée de 7 ans.
- Revolut compte 2,5 millions de clients en France. Revolut souhaite se concentrer sur la croissance organique plutôt que sur les acquisitions.
Nickel, banque low cost française qui veut conquérir l'Europe - 25/09/2023
- Fondé en 2014, le compte Nickel a été racheté par BNP Paribas en 2017. Nickel est déjà présent en Espagne, au Portugal et en Belgique.
- Nickel vise 600 000 clients et 5000 points de vente en Allemagne d'ici les cinq prochaines années.
- Nickel emploie 800 personnes. Nickel est une société rentable depuis 2018, avec un résultat net de 7 millions d'euros en 2022.
- En France, l'offre bancaire de Nickel est distribuée à 20 euros d'abonnement par an au minimum, dans 7200 bureaux de tabac.
- 3,3 millions de personnes ont ouvert un compte Nickel et l'entreprise prévoit d'avoir 4 millions d'ouvertures de comptes d'ici 2024.
- Deux tiers des clients de Nickel l'ont choisi comme banque principale.
- Le profil des clients Nickel est divers : un tiers rencontrent des problèmes bancaires, un autre tiers souhaite payer moins de frais bancaires, et le reste utilise Nickel comme un compte secondaire.
- Chez Nickel, la facture bancaire annuelle s'élève à 70 euros en moyenne.
- Nickel envisage d'élargir sa gamme de produits pour inclure des comptes d'épargne à terme, des assurances et du crédit à la consommation.
- Hello Bank! devrait bientôt proposer à 800 000 clients d'Orange Bank de rejoindre ses rangs.
Nickel prêt à nouer des partenariats dans le crédit ou l'assurance - 06/07/2023
- Nickel emploie 800 personnes.
- Nickel envisage d'élargir sa gamme de services, notamment en explorant les domaines du crédit, de l'assurance et de l'épargne.
- Nickel a été acquis par BNP Paribas il y a six ans.
- Nickel compte 3,2 millions de clients.
- Nickel propose des services bancaires tels que une carte de paiement Mastercard, des services de banque en ligne traditionnels et la possibilité de retirer de l'argent gratuitement chez un de ses 7.200 bureaux de tabac partenaires pour 20 euros par an.
- Nickel est rentable depuis 2018.
- En 2022, Nickel a affiché un résultat net de 7 millions d'euros.
- Nickel envisage de lancer une première offre à la fin de l'année en collaboration avec d'autres partenaires.
- BNP Paribas, la maison mère de Nickel, est en pourparlers avec Orange pour accueillir jusqu'à 800.000 clients d'Orange Bank au sein de sa filiale Hello Bank.
Cartes Bancaires : le plan des banques françaises pour contrer Visa | et MastercardCartes Bancaires contre Visa et Mastercard - 30/06/2023
- Il y a quelques années, CB (Cartes Bancaires) traitait plus de 90 % des flux de paiements en France, mais cette part de marché est tombée à un peu moins de 85 %.
- Dans le même temps, les flux de paiements en France ont augmenté de 40 %.
- Seules deux banques en France (Crédit Agricole et Société Générale) ont développé les infrastructures techniques pour faire passer les flux de paiements des portefeuilles électroniques de type Apple Pay par CB.
- L'objectif est de faire migrer toutes les banques françaises sur une seule plateforme d'ici la fin 2024.
- De nombreuses banques en ligne ont abandonné le logo CB.
- Le groupe BPCE possède un parc de 15,7 millions de cartes cobadgées CB et Visa, contre 3 millions de cartes uniquement Visa.
- Selon BPCE, 99 % de leurs petits commerçants n'ont pas vu leurs factures augmenter en 2022.
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- 02/04/2024 - Mise à jour des données financières de l'entreprise PCS (Creacard)
- 02/04/2024 - Mise à jour des données financières de l'entreprise Nickel
- 02/04/2024 - Mise à jour des données financières de l'entreprise La Banque Postale (La Poste)
- 29/01/2024 - Ajout des informations de l'entreprise Moni Monisnap
- 03/12/2023 - Mise à jour des données financières de l'entreprise PCS (Creacard)
- 03/12/2023 - Mise à jour des données financières de l'entreprise Nickel
- 03/12/2023 - Mise à jour des données financières de l'entreprise La Banque Postale (La Poste)
- 02/09/2023 - Mise à jour des données financières de l'entreprise PCS (Creacard)
- 02/09/2023 - Mise à jour des données financières de l'entreprise Nickel
- 02/09/2023 - Mise à jour des données financières de l'entreprise La Banque Postale (La Poste)
- 20/05/2023 - Mise à jour des données financières de l'entreprise PCS (Creacard)
- 20/05/2023 - Mise à jour des données financières de l'entreprise Nickel
- 20/05/2023 - Mise à jour des données financières de l'entreprise La banque postale (La Poste)
- 19/02/2023 - Mise à jour des données financières de l'entreprise PCS (Creacard)
- 19/02/2023 - Mise à jour des données financières de l'entreprise Nickel
- 19/02/2023 - Mise à jour des données financières de l'entreprise La banque postale (La Poste)
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