Information shared by the press offices of Poland's major banks suggests that by the end of December, the banks’ customers connected more than 1.9 million digital payment cards to their mobile devices. However, this data mostly only refers to Android operating system users. Most banks have been consistently refusing to share their Apple Pay numbers.

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mBank has the biggest number of mobile payment users with over half a million mobile card customers. But, as I’ve mentioned above, this only includes cards connected with Android devices. mBank has over 270 thousand Google Pay mobile payment users, which means that each of them has digitized their cards on average almost twice. mBank customers are also the keenest users of contactless mobile payments.

The second biggest group of digitized card users are Santander customers, who add up to over 431 thousand. Unfortunately, the company did not want to share their number of actual mobile payment users. It would be interesting to know it, because the number shared by Santander includes customers using Google Pay and Apple Pay users, as well as Garmin Pay, Fitbit Pay and HCE payments available in the Santander mobile banking app. Further down in our ranking we have PKO, Alior, Millennium, ING and Pekao.

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Most banks refuse to share their data on the number of Apple Pay users. Santander and T-Mobile Usługi Bankowe are the exceptions, but the companies only share the total number of mobile cards for both iOS and Android devices, and it would be very difficult to calculate the share of each category. As you can see in the table below, most banks only decided to share the number of existing mobile payment cards. What we don't know is the number of people who actually use mobile payments on the Polish market.