Data shared by the press offices of the majority of commercial banks operating in Poland shows that at the end of June, customers had 2.1 million payment cards connected with their smartphones. Those cards are used with services like Apple Pay, Google Pay, Garmin Pay, Fitbit Pay and HCE (contactless mobile payments available directly through mobile banking).

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In reality, the total number of cards added to digital wallets is higher than shown in the table below. Some banks don't share any of their statistics on this matter (incl. Citi, Getin, BNP Paribas or Pekao). Others, such as mBank, don't share the number of customers who connect their cards to Apple Pay. In addition to that, most companies don't reveal the number of actual users, which is usually different than the number of connected cards (some customers might have several cards at the same bank, others connect one card to several devices).

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Our analysis, with the limitations mentioned above, shows that the bank with the most customers using cards through smartphone apps is Santander, with almost 600 thousand. PKO is in second pace with over 300 thousand. ING, Millennium, Bank and Alior followed, each with over 200 thousand “digitized card” users.