Poland

Poland

General Information

  • Population 37.8 m
  • Population 15 + 32.0 m
  • Online Population 29.6 m
  • Area 312,679 km2
  • Currency PLN
  • GDP 655.3 bn USD
  • GDP per Capita 17,337 USD
  • Card-based payments
  • Cash-based payments
  • Bank transfer
  • Wallets
  • Other
[{"label":"Card-based payments","value":"18"},{"label":"Cash-based payments","value":"3"},{"label":"Bank transfer","value":"54"},{"label":"Wallets","value":"18"},{"label":"Other","value":"7"}]
Banked population
  • Poland 89%
  • Western & Central Europe 94%
  • World 67%
Credit card penetration
  • Poland 19%
  • Western & Central Europe 46%
  • World 19%
Internet penetration
  • Poland 78%
  • Western & Central Europe 91%
  • World 62%
Smartphone penetration
  • Poland 47%
  • Western & Central Europe 75%
  • World 70%

Cash is still the most common form of payment in Poland, with 94% using it, followed by payment cards (92%) and bank transfer (80%). Digital wallets are not as popular as in other European countries with 57% versus 70%.

Social commerce is forecast to grow by CAGR 57.2% between 2022 and 2028, rising from USD 2,760.1m to USD39,362.1m in 2028.

The Polish economy started to slow in the second quarter of 2022, with GDP growth dropping from 8.5 to 5.3%. Like most of Europe, Poland is grappling with rising prices and a very tight labour market.

allegro.pl was Poland’s most popular e-commerce store in July 2022 and had 187.7m visits that month.

Future e-commerce trends (2021-2025)

E-Commerce market size forecast ($US billion)
2022 32.1
2023 36.3
2024 40.6
2025 44.9
2026 49.1
E-Commerce spending per capita ($US)
2022 841
2023 953
2024 1069
2025 1186
2026 1300
E-Commerce spending as % of GDP
2022 4.7%
2023 5.0%
2024 5.3%
2025 5.5%
2026 5.7%

Poland

The E-Commerce Market

Top e-commerce segments

  1. Fashion: 45%
  2. Electronics & Media: 19%
  3. Toys, Hobby & DIY: 15%
  4. Furniture & Appliances: 11%
  5. Food & Personal Care: 10%

Cross-border e-commerce

  1. Cross-border proportion of total e-commerce – 5%
  2. Value of cross-border e-commerce – 1.3 bn USD
  3. Online shoppers who have shopped cross-border – 32%

Top 3 cross-border shopping origin markets

  1. China: 52%
  2. Germany: 17%
  3. UK: 7%
B2C E-commerce Growth 20->21
  • Poland 21.9%
E-commerce % of total retail
  • Poland 7%
  • Western & Central Europe 17.6%
  • World 20%
E-commerce completed on a mobile device
  • Poland 42%
  • Western & Central Europe 43%
  • World 53%

The Credit Card Split

  • Visa
  • Mastercard
[{"label":"Visa","value":"50"},{"label":"Mastercard","value":"50"}]
  • E-commerce market size 27.8 bn USD
  • E-Commerce spending per capita 727 USD
  • E-commerce spending as % of GDP 4.4%

The information on our Insights pages has been compiled by us in cooperation with Datamatics and Wright & Brown. The data shown is partially owned by us and partially owned by GlobalData. © 2021 by PPRO Financial Ltd. No data and information can be used for any further publication without the explicit approval of PPRO.

Poland

Local Payment Methods

BitPay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 BLIK Type Bank transfer Regions Western & Central Europe Market relevance High Hyperwallet Type Bank transfer, Gift card, Prepaid voucher Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High PayPal Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High PaysafeCard Type Prepaid voucher Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High PaysafeCash Type Cash Regions Eastern Europe & the CIS, North America + 1 Paysera Wallet Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High PayU Type Bank transfer Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 2 Market relevance High Przelewy24 (P24) Type Bank transfer Regions Western & Central Europe Market relevance High SEPA Direct Debit Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance High Skrill Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Trustly Type Bank transfer Regions Eastern Europe & the CIS, North America + 1 Market relevance High TrustPay Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Allied Wallet Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High UnionPay Type Local payment card Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Apple Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Boku Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High DaoPay Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High eRaty Type Buy Now, Pay Later, Instalments Regions Western & Central Europe Market relevance High Google Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Masterpass Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Mobiamo Type Carrier billing Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High Orange Money Type Wallet Regions Eastern Europe & the CIS, Middle East & Africa + 1 Market relevance High P24 Now Type Buy Now, Pay Later, Instalments Regions Western & Central Europe Market relevance High PayPo Type Buy Now, Pay Later, Instalments Regions Western & Central Europe Market relevance High Razer Gold Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High SEPA Credit Transfer Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance High SWIFT Type Bank transfer Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance High WebMoney Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 1 Market relevance High GoPay Type Wallet Regions Eastern Europe & the CIS, Western & Central Europe Market relevance Medium KIR Paybynet Type Bank transfer Regions Western & Central Europe Market relevance Medium Secure Remote Commerce (SRC) Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance Medium SEPA Instant Credit Transfers (SCT Inst) Type Bank transfer Regions Eastern Europe & the CIS, Western & Central Europe Market relevance Medium Wallet One Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 2 Market relevance Medium Boloro Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 G2A Pay Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 Market relevance Medium NETELLER Type Wallet Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3 YetiPay Type Wallet Regions Western & Central Europe Twisto Type Wallet Regions Eastern Europe & the CIS, Western & Central Europe Sofort (Klarna) Type Bank transfer Regions Asia Pacific, Western & Central Europe Market relevance High Splitit Type Instalments Regions Asia Pacific, Eastern Europe & the CIS, Middle East & Africa + 3

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