Garanti BBVA has released the results of its “Card Payments in Türkiye 2025” report. According to the study, total spending made with debit and credit cards rose by 51.9% year on year to ₺24.062 trillion.
Throughout the year, ₺6.706 trillion in e-commerce spending was carried out via credit cards. Of this amount, 65.6% consisted of lump sum payments, while 34.4% were made in installments.
Garanti BBVA Payment Systems (GÖSAŞ) published the findings of its “Card Payments in Türkiye 2025” study, prepared based on data from the Interbank Card Center (BKM).
According to the bank’s statement, the research examines the development of debit and credit card ownership in Türkiye, trends in card spending, the growth of e-commerce, and the prevalence of contactless payments. The findings show that the use of card payments continues to strengthen both in terms of volume and consumer habits.
As of the end of 2025, the total number of debit and credit cards in Türkiye increased by 5.8% compared to the previous year, reaching 460 million cards. Of these, 142 million were credit cards and 318 million were debit cards. Total spending via debit and credit cards rose by 51.9% to ₺24.062 trillion.
Of total card spending, ₺20.425 trillion was made with credit cards, while ₺3.638 trillion was carried out using debit cards.
Lump-sum payments remain dominant
During the year, lump-sum payments continued to dominate credit card spending. 80.5% of credit card purchases were made as lump-sum payments, while 19.5% were installment based. Of the total ₺20.425 trillion spent via credit cards, ₺16.433 trillion consisted of lump-sum payments and ₺3.991 trillion of installment transactions. This indicates that lump-sum payments remain a strong preference among consumers.
Installment use rises in e-commerce
In contrast, the share of installment payments increased in e-commerce. Over the year, total credit card-based e-commerce spending reached ₺6.706 trillion, with 65.6% paid in lump sums and 34.4% in installments.
The share of installment-based transactions within total e-commerce spending rose to 57.8%, up from 55.5% in 2024.
E-commerce’s share in card spending increases
E-commerce volume reached ₺6.706 trillion in 2025, accounting for 32.8% of total card based spending. A five year trend analysis shows a steady increase in e-commerce’s share of card payments. By sector, the highest e-commerce penetration rates were recorded in travel (57%), electrical and electronic goods and computers (51%), and construction materials (46%).
According to the study, the strongest annual growth in e-commerce spending was seen in health/health products/cosmetics (86%), grocery retail (85%), and construction materials (69%). By comparison, growth rates were 50% in travel, 43% in apparel, and 34% in telecommunications.
Contactless payments triple in five years
The use of contactless payments continued to strengthen in 2025. By year-end, the number of contactless transactions reached 7.96 billion, accounting for 68% of all card transactions.
Over the past five years, contactless transaction volumes rose from 2.494 billion to 7.96 billion, nearly tripling in size.
