natgillin/translations-raw huggingface dataset:
Payment cards market in the RC · Payment Cards and Card Transactions · Payment Statistics · CNB 
Tržište platnih kartica u RH · Platne kartice i kartične transakcije · Statistika platnog prometa · HNB
3 Payment cards market in the RC 
3. Tržište platnih kartica u RH
The issuer may issue several payment cards to a single cardholder. 
Izdavatelj jednom imatelju platne kartice može izdati više platnih kartica.
Also, a cardholder may have payment cards issued by several issuers. 
Također, jedan imatelj platne kartice može imati platne kartice izdane od više izdavatelja.
The chapter is divided into three parts: 
Poglavlje je podijeljeno u tri dijela:
• the first part contains an overview of the number of payment cards in the market of the RC (Sub-chapter 3.1); 
• prvi dio sadržava pregled broja platnih kartica na tržištu RH (Potpoglavlje 3.1.);
• the second part contains an overview of the degree of technological development of payment cards (Sub-chapter 3.1.1); 
• drugi dio sadržava pregled stupnja tehnološkog razvoja platnih kartica (Potpoglavlje 3.1.1.);
• the third part contains an overview of the number of payment cards by holder (Sub-chapter 3.2). 
• treći dio sadržava pregled broja platnih kartica prema imatelju (Potpoglavlje 3.2.).
Statistical data on payment cards issued by payment service providers - issuers in the RC are presented in this chapter. 
U ovom poglavlju prikazani su statistički podaci o platnim karticama izdanima od pružatelja platnih usluga izdavatelja u RH.
Payment service providers - issuers (hereinafter referred to as ‘issuers') in the RC include: 1. credit institutions (banks) that have obtained authorisation from the CNB, which includes the authorisation to provide the payment service of the issuing of payment cards, and 2. electronic money institutions5 that have obtained the authorisation of the CNB to provide the payment services of issuing payment cards. 
Pružatelji platnih usluga izdavatelji (u nastavku teksta: izdavatelji) u RH jesu: 1. kreditne institucije (banke) koje su od HNB-a dobile odobrenje za rad u sklopu kojeg je i odobrenje za pružanje platne usluge izdavanja platnih kartica i 2. institucije za elektronički novac5 koje su od HNB-a dobile odobrenje za pružanje platne usluge izdavanja platnih kartica.
Total number of payment cards per capita 
Broj platnih kartica po stanovniku
Total number of debit payment cards per capita 
Broj debitnih platnih kartica po stanovniku
Total number of credit payment cards per capita 
Broj kreditnih platnih kartica po stanovniku
Average number of payment cards per cardholder 
Broj platnih kartica po imatelju platne krartice
The percentage of inhabitants who have only a debit card 
Postotak stanovnika koji imaju samo debitne kartice
5 Not including data submitted by electronic money institutions that at the same time carry out the activity of telecommunications services. 
5 Ne uključuju se podaci dostavljeni od institucija za elektronički novac koje ujedno obavljaju djelatnost telekomunikacijskih usluga.
CNB · Payment Statistics · Payment Cards and Card Transactions · Payment cards market in the RC 
HNB · Statistika platnog prometa · Platne kartice i kartične transakcije · Tržište platnih kartica u RH
The basic breakdown of payment cards is according to maturity and settlement of expenses, i.e. according to the moment when the holder settles the expenses incurred on a payment card. 
Osnovna je podjela platnih kartica prema dospijeću i podmirenju troškova, tj. prema trenutku kada imatelj podmiruje iznos učinjenih troškova po platnoj kartici.
Accordingly, payment cards are divided into debit (pay now), credit (pay later) and prepaid cards6 (pay in advance): 
U skladu s tim platne kartice dijele se na debitne (plaćanje odmah, engl. pay now), kreditne (plaćanje kasnije, engl. pay later) i prepaid kartice6 (plaćanje unaprijed, engl. pay in advance):
• Debit payment cards (hereinafter referred to as ‘debit cards') allow the holder to pay for goods and services and withdraw cash through the ATM, other terminals and over the counter at credit institutions. 
• Debitne platne kartice (u nastavku teksta: debitne kartice) omogućuju imatelju plaćanje robe i usluga te podizanje gotovog novca preko bankomata, drugih uređaja i na šalterima kreditnih institucija.
When using a debit card, the cardholder's payment account is debited for the incurred expense immediately after the execution of the card-based payment transaction, provided that there is coverage in the account. 
Pri korištenju debitne kartice račun za plaćanje imatelja kartice tereti se za učinjeni trošak odmah nakon izvršenja kartične platne transakcije uz uvjet da na računu postoji pokriće.
The coverage in the account also includes the amount of the unused allowed overdraft. 
Pokriće na računu uključuje i iznos neiskorištenoga dopuštenog prekoračenja.
• Credit payment cards (hereinafter referred to as ‘credit cards') allow the holder to pay for goods and services and withdraw cash through the ATM and other terminals. 
• Kreditne platne kartice (u nastavku teksta: kreditne kartice) omogućuju imatelju plaćanje robe i usluga te podizanje gotovog novca preko bankomata i drugih uređaja.
The use of a credit card does not condition the holder to ensure coverage in the payment account for the execution of a payment transaction at the time of its initiation. 
Upotreba kreditne kartice ne uvjetuje imatelju osigurano pokriće na računu za plaćanje za izvršenje platne transakcije u trenutku njezina zadavanja.
A credit line (limit) is granted to the credit card user for the execution of a payment transaction. 
Za izvršenje platne transakcije korisniku kreditne kartice odobren je kredit (limit).
Expenses incurred by using the credit card during a specific period are charged within deadlines defined by the agreement on the issuing of the credit card, i.e. after a specific time. 
Troškovi nastali korištenjem kreditne kartice tijekom određenog razdoblja naplaćuju se u rokovima definiranima ugovorom o izdavanju kreditne kartice, tj. nakon određenog vremena.
Credit cards include credit, charge, revolving, delayed debit and membership cards. 
Kreditne kartice obuhvaćaju kreditne, charge, revolving, kartice s odgođenom naplatom i članske kartice.
Payment cards are issued to consumers and/or legal persons (non-consumers). 
Platne kartice izdaju se potrošačima i/ili pravnim osobama (nepotrošačima).
A consumer may be issued a basic and an additional payment card. 
Potrošaču može biti izdana osnovna i dodatna platna kartica.
A payment card user that is a business entity (non-consumer) may be issued only the basic payment card. 
Korisniku platne kartice poslovnom subjektu (nepotrošaču) može biti izdana samo osnovna platna kartica.
On 31 December 2014, a total of 8,227,564 payment cards issued to consumers were recorded in the RC, 85% of which were basic payment cards (Table 3). 
Na dan 31. prosinca 2014. u RH evidentirane su ukupno 8.227.564 platne kartice izdane potrošačima, od kojih je 85% osnovnih platnih kartica (Tablica 3.).
6 Statistical data on prepaid payment cards are not included in the overview of this publication. 
6 Statistički podaci o prepaid platnim karticama nisu uključeni u pregled ove publikacije.
in thousand 
tis.
Note: Data refer to the total number of used, unused and blocked payment cards on the last day of each reporting month in 2014. 
Napomena: Podaci se odnose na ukupan broj korištenih, nekorištenih i blokiranih platnih kartica na posljednji dan svakog izvještajnog mjeseca u 2014.
Debit card 
Debitna kartica
Credit card 
Kreditna kartica
Type of payment card 
Vrsta platne kartice
Non-consumer 
Nepotrošač
Basic Additional 
Osnovna Dodatna Osnovna
Basic 
Debitna platna kartica
Note: Data refer to the total number of payment cards on 31 December 2014. 
Napomena: Podaci se odnose na ukupan broj platnih kartica na dan 31. prosinca 2014.
As explained in the introduction, payment cards are broken down into debit and credit cards. 
Kako je i uvodno pojašnjeno, platne kartice dijele se na debitne i kreditne.
Credit payment cards can also be broken down by the type of contract between the issuer and cardholder and by the agreed manner of cost repayment. 
Kreditne platne kartice mogu se podijeliti i prema vrsti ugovora između izdavatelja i imatelja platne kartice te prema dogovorenom načinu otplate troškova.
In accordance with the above, cards are broken down into debit cards, charge cards, revolving cards, delayed debit cards, credit cards and certain combinations of the above options. 
U skladu s navedenim kartice dijelimo na debitne kartice, charge kartice, revolving kartice, kartice s odgođenom naplatom, kreditne kartice te određene kombinacije navedenih mogućnosti.
On 31 December 2014, of the total number of cards in the RC, the most represented were debit cards with the share of 79%, followed by charge cards with the share of 7%, and cards with the delayed debit function and revolving cards each with a 5% share. 
Od ukupnog broja kartica u RH na dan 31. prosinca 2014. najzastupljenije su debitne kartice s udjelom od 79%, slijede charge kartice s udjelom od 7% te kartice s funkcijom odgođene naplate i revolving kartice od kojih svaka s udjelom od 5%.
The break-down of payment cards by types is shown in Table 4. 
Razrada platnih kartica prema vrstama prikazana je u Tablici 4.
• used payment cards stood at 4.12 million, 
• korištenih platnih kartica iznosi 4,12 milijuna,
• unused payment cards stood at 4.03 million, 
• nekorištenih platnih kartica iznosi 4,03 milijuna,
• blocked payment cards stood at 0.47 million. 
• blokiranih platnih kartica iznosi 0,47 milijuna.
Table 4 Number of payment cards issued in the RC by type of card on 31 December 2014 
Broj platnih kartica izdanih u RH prema vrsti kartice na dan 31. prosinca 2014.
Charge card 
Charge kartica
Delayed debit card 
Kartica s odgođenom naplatom
A payment card may be in/on the following carrier mediums: 
Platna kartica može se nalaziti u/na sljedećim nositeljima:
• a plastic card, and 
• plastičnoj kartici i
• another carrier medium, such as the mobile phone, sticker (a 
• drugom fizičkom nositelju kao što su mobilni telefon, naljepni
payment card is stored or attached to/on another carrier me 
ca (platna kartica pohranjena je ili pričvršćena (engl. sticker)
dium), etc. 
u/na drugom fizičkom nositelju) i slično.
On 31 December 2014, a total of 22,383 debit card stickers were recorded. 
Na dan 31. prosinca 2014. ukupno su evidentirane 22.383 debitne kartice pričvršćene na naljepnici (engl. sticker).
Payment cards by scheme 
Platne kartice prema shemi
Payment cards statuses 
Statusi platnih kartica
An issued payment card may have one of these statuses: used, unused and blocked. 
Izdana platna kartica može imati različite statuse: korištena, nekorištena i blokirana.
The sum of used, unused and blocked payment cards makes up the total number of payment cards issued in the RC shown on the last day of each reporting month. 
Zbroj korištenih, nekorištenih i blokiranih platnih kartica čini ukupan broj platnih kartica izdanih u RH prikazanih na posljednji dan svakog izvještajnog mjeseca.
The term ‘used' implies that at least one card-based payment transaction was executed with the payment card over the past year, and the term ‘unused' implies that no card-based payment transaction was executed with the payment card over the past year. 
Pojam korišteno podrazumijeva da je s platnom karticom unatrag jedne godine izvršena barem jedna kartična platna transakcija, a pojam nekorišteno podrazumijeva da s platnom karticom unatrag jedne godine nije izvršena nijedna kartična platna transakcija.
The term ‘over the past year' implies one year from the last day of the reporting period (month), and not a calendar year. 
Pod pojmom unatrag jedne godine podrazumijeva se godina dana od posljednjeg dana izvještajnog razdoblja (mjeseca), a ne kalendarska godina.
A ‘blocked payment card' means a payment card in circulation that temporarily cannot be used for payment transactions. 
Blokirana platna kartica jest platna kartica u optjecaju kojoj je privremeno onemogućeno korištenje kartice i izvršavanje kartičnih platnih transakcija.
Used payment cards (total) 
Korištene platne kartice (uk.)
Unused payment cards (total) 
Nekorištene platne kartice (uk.)
Blocked payment cards (total) 
Blokirane platne kartice (uk.)
Figure 9 Number of used, unused and blocked payment cards 
Broj korištenih, nekorištenih i blokiranih platnih kartica
At a monthly level, the average share of used and unused payment cards of consumers in the previous 365 days was almost the same as in 2014. 
Na razini mjeseca u 2014. prosječan udio korištenih i nekorištenih platnih kartica potrošača u prethodnih 365 dana bio je podjednak.
However, in the payment cards of business entities (non-consumers) on average 59% of them were not used in 2014, while only 41% were used. 
Međutim, kod platnih kartica poslovnih subjekata (nepotrošača) prosječno mjesečno njih 59% nije korišteno u 2014., dok je korišteno samo 41%.
It is evident that despite the nominally large number of payment cards issued in the RC only half of them are actually used. 
Vidljivo je da se unatoč nominalno velikom broju izdanih platnih kartica u RH samo polovina zaista i koristi.
Note: Data refer to the total number of used payment cards on the last day of each reporting month in 2014. 
Napomena: Podaci se odnose na ukupan broj korištenih platnih kartica na posljednji dan svakog izvještajnog mjeseca u 2014.
Used debit payment cards Used credit payment cards 
Korištene debitne platne kartice Korištene kreditne platne kartice
Newly issued payment cards 
Novoizdane platne kartice
‘Newly issued payment card' means a payment card that is issued to the holder for the first time during the reporting month. 
Pod pojmom novoizdana platna kartica podrazumijeva se platna kartica koja je prvi put izdana imatelju tijekom izvještajnog mjeseca.
A payment card provided to the holder on the occasion of a regular reissue of the card, for instance, because of the expiry of the card's validity period, card damage, etc., is not included in this status. 
Platna kartica koja se uručuje imatelju povodom redovitoga ponovnog izdavanja kartice, primjerice zbog isteka razdoblja valjanosti kartice, oštećenja kartice i slično, ne ubraja se u ovaj status.
Data on payment cards with the status of ‘newly issued' refers to the newly issued cards throughout the reporting month, and not to their status on the last day of the reporting month. 
Podatak o platnim karticama sa statusom novoizdana odnosi se na novoizdane kartice tijekom cijeloga izvještajnog mjeseca, a ne na njihovo stanje na posljednji dan izvještajnog mjeseca.
In 2014, a total of 1,195,879 payment cards were newly issued, of which 952,707 or 80% were debit cards and 243,172 or 20% were credit cards (Figure 13). 
U 2014. ukupno je novoizdano 1.195.879 platnih kartica, od kojih su 952.707 ili 80% debitne kartice i 243.172 ili 20% kreditne kartice (Slika 13.).
The number of newly issued debit cards in 2014 on average stood at 79,392 cards monthly. 
Broj novoizdanih debitnih kartica u 2014. prosječno mjesečno iznosio je 79.392 kartice.
Note: Data refer to the total number of unused payment cards on the last day of each reporting month in 2014. 
Napomena: Podaci se odnose na ukupan broj nekorištenih platnih kartica na posljednji dan svakog izvještajnog mjeseca u 2014.
Unused debit payment cards Unused credit payment cards 
Nekorištene debitne platne kartice Nekorištene kreditne platne kartice
Note: Data refer to the total number of blocked payment cards on the last day of each reporting month in 2014. 
Napomena: Podaci se odnose na ukupan broj blokiranih platnih kartica na posljednji dan svakog izvještajnog mjeseca u 2014.
Blocked debit payment cards Blocked credit payment cards 
Blokirane debitne platne kartice Blokirane kreditne platne kartice
The received data on used payment cards by type of card show that debit cards accounted for an average of 67% per month of the total number of payment cards used in 2014 (Figure 10). 
Iz zaprimljenih podataka o korištenim platnim karticama prema vrsti kartice vidljivo je kako u ukupnom broju korištenih platnih kartica u 2014. debitne kartice sudjeluju prosječno mjesečno sa 67% (Slika 10.).
Debit cards account for an average of 87% monthly in the total number of unused payment cards (Figure 11). 
U ukupnom broju nekorištenih platnih kartica debitne kartice prosječno mjesečno sudjeluju s 87% (Slika 11.).
In 2014, there was a monthly average of 417,501 blocked debit cards and 59,900 blocked credit cards (Figure 12). 
U 2014. prosječan mjesečni broj blokiranih debitnih kartica iznosio je 417.501 karticu, a kreditnih kartica 59.900 kartica (Slika 12.).
Note: Data refer to the total number of newly issued payment cards during each reporting month in 2014. 
Napomena: Podaci se odnose na ukupan broj novoizdanih platnih kartica tijekom svakog izvještajnog mjeseca u 2014.
Newly issued debit payment cards Newly issued credit payment cards 
Novoizdane debitne platne kartice Novoizdane kreditne platne kartice
Deactivated payment cards 
Deaktivirane platne kartice
‘Deactivated payment card' means a payment card the use of which for payment transactions has been permanently disabled. 
Pod pojmom deaktivirana platna kartica podrazumijeva se platna kartica kojoj je trajno onemogućeno korištenje i izvršavanje kartičnih platnih transakcija.
Data on payment cards with the status of ‘deactivated' refers to deactivated cards throughout the reporting month. 
Podatak o platnim karticama sa statusom deaktivirana odnosi se na deaktivirane kartice tijekom cijeloga izvještajnog mjeseca.
In 2014, a total of 1,472,647 payment cards were deactivated, of which 1,098,022 or 75% were debit cards and 374,625 or 25% were credit cards. 
U 2014. ukupno je deaktivirano 1.472.647 platnih kartica, od kojih su 1.098.022 ili 75% debitne kartice i 374.625 ili 25% kreditne kartice.
Up to December 2014, the average monthly number of deactivated credit cards was 22,949. 
Do mjeseca prosinca u 2014. prosječan mjesečni broj deaktiviranih kreditnih kartica bio je 22.949.
In December, in all 122,183 credit cards were deactivated, accounting for 33% of all deactivated credit cards in 2014 (deactivated membership cards accounted for 84% of deactivated payment cards in December; Figure 14). 
U mjesecu prosincu ukupno su deaktivirane 122.183 kreditne kartice, što čini 33% ukupnog broja svih deaktiviranih kreditnih kartica u 2014. godini (84% deaktiviranih platnih kartica u mjesecu prosincu čine deaktivirane članske kartice; Slika 14.).
Employing different technologies, payment card issuers issue EMV chip cards, chip cards, magnetic and contactless cards and combinations of them to users. 
Uz primjenu različitih tehnologija izdavatelji platnih kartica korisnicima izdaju EMV čip kartice, čip kartice, magnetne i beskontaktne kartice te njihove kombinacije.
Payment cards that possess both an EMV chip and a magnetic stripe (hereinafter referred to as ‘EMV payment cards') currently prevail in the market of the RC, while the number of cards possessing only a magnetic stripe is constantly on the decline. 
Na tržištu RH trenutačno prevladavaju platne kartice koje posjeduju i EMV čip i magnetnu traku (u nastavku teksta: EMV platne kartice), dok je broj kartica koje posjeduju samo magnetnu traku u stalnom opadanju.
The standard covers the processing of microchip-based credit and debit cards (smart cards), i.e. it defines a set of rules with the aim of setting up a secure and smooth communication between smart cards and accepting devices for payment cards. 
Standard obuhvaća procesiranje kreditnih i debitnih kartica baziranih na mikročipu (pametne kartice), odnosno definira skup pravila s ciljem uspostave sigurne i nesmetane komunikacije pametnih kartica i prihvatnih uređaja.
EMV standard-based cards are a significant improvement over magnetic stripe-based cards, primarily because of the higher level of security and the prevention of card fraud. 
Kartice bazirane na EMV standardu znatno su unapređenje u odnosu na kartice bazirane na magnetnoj traci, ponajprije zbog više razine sigurnosti i sprječavanja kartičnih prijevara.
On 31 January 2014, in all 7,750,396 EMV payment cards were recorded, accounting for 91% of all payment cards, while on 31 December 2014, the number of EMV payment cards stood at 8,039,663, accounting for 93% of all payment cards. 
Na dan 31. siječnja 2014. ukupno je evidentirano 7.750.396 EMV platnih kartica, što čini 91% svih platnih kartica, dok je na dan 31. prosinca 2014. broj EMV platnih kartica iznosio 8.039.663 te je u ukupnom broju svih platnih kartica sudjelovao s 93%.
Contactless and contact payment cards 
Beskontaktne i kontaktne platne kartice
Depending on the applied technology of initiation of payment transactions, all payment cards can be divided in two basic types: contact and contactless. 
Ovisno o primijenjenoj tehnologiji iniciranja platnih transakcija, sve platne kartice mogu se podijeliti u dvije osnovne vrste: kontaktne i beskontaktne.
• ‘Contact payment card' means a payment card that enables the execution of contact card-based payment transactions and contains records based on a chip and/or magnetic stripe. 
• Kontaktna platna kartica jest platna kartica koja omogućuje obavljanje kontaktnih kartičnih platnih transakcija i sadržava zapise temeljene na čipu i/ili magnetnoj traci.
Contact card-based payment transactions are initiated by swiping or inserting a payment card through/into a device (e.g. an EFTPOS terminal). 
Kontaktne kartične platne transakcije iniciraju se provlačenjem ili umetanjem platne kartice kroz/u uređaj (npr. EFTPOS uređaj).
• ‘Contactless payment card' means a payment card that enables the execution of contact and contactless card-based payment transactions and contains records based on a chip and/ or magnetic stripe, and records based on contactless technology. 
• Beskontaktna platna kartica jest platna kartica koja omogućuje obavljanje kontaktnih i beskontaktnih kartičnih platnih transakcija i sadržava zapise temeljene na čipu i/ili magnetnoj traci i zapise temeljene na beskontaktnoj tehnologiji.
Contactless card-based payment transactions are initiated by the payment card being brought close to the accepting device for payment cards (e.g. an EFTPOS terminal), which possesses readers for contactless payments. 
Beskontaktne kartične platne transakcije iniciraju se približavanjem platne kartice do prihvatnog uređaja (npr. EFTPOS uređaja) koji posjeduje čitače za beskontaktna plaćanja.
As a rule, contactless payment cards retain all the functionalities of contact payment cards and have the additional possibility of initiating contactless card-based payment transactions. 
Beskontaktne platne kartice u pravilu zadržavaju sve funkcionalnosti kontaktnih platnih kartica, uz dodatnu mogućnost iniciranja beskontaktnih kartičnih platnih transakcija.
Note: Data refer to the total number of deactivated payment cards during each reporting month in 2014. 
Napomena: Podaci se odnose na ukupan broj deaktiviranih platnih kartica tijekom svakog izvještajnog mjeseca u 2014.
Deactivated debit payment cards Deactivated credit payment cards 
Deaktivirane debitne platne kartice Deaktivirane kreditne platne kartice
A payment card can be deactivated at the user's initiative, or it can be deactivated by the issuer. 
Platna kartica može biti deaktivirana na inicijativu samoga korisnika ili je može deaktivirati izdavatelj.
Of the total number of deactivated payment cards, 837,388 or 57% of them were deactivated at the user's initiative, while 635,259 or 43% of them were deactivated by the issuer (Figure 15). 
Od ukupnog broja deaktiviranih platnih kartica njih 837.388 ili 57% deaktivirano je na inicijativu korisnika, dok je njih 635.259 ili 43% deaktivirao izdavatelj (Slika 15.).
Deactivated payment cards at user's initiative Deactivated payment cards at payment service provider's initiative 
Deaktivirane platne kartice na inicijativu korisnika Deaktivirane platne kartice na inicijativu pružatelja platnih usluga
On 31 December 2014, of the total number of payment cards, 7,260,298 or 84% of them were contact and 1,399,732, i.e. 16% were contactless (Figure 16). 
Od ukupnog broja platnih kartica na dan 31. prosinca 2014. kontaktnih je 7.260.298 ili 84%, a beskontaktnih 1.399.732, tj. 16% (Slika 16.).