InterchangeFeesEU.com
Updated for 2026 • EU Compliant • All Countries

EU Countries Interchange Fee Data

Browse interchange fee data for all EU countries. Get current Visa and Mastercard rates for credit, debit, and commercial cards across Europe.

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Unlock detailed interchange fee breakdowns for all 30 EU countries, including card-type tables and market context.

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🇫🇷
France
FR

France has one of the largest payment markets in the EU with comprehensive interchange fee regulations.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇩🇪
Germany
DE

Germany's payment market is heavily regulated with specific interchange fee caps for different card types.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇪🇸
Spain
ES

Spain follows EU interchange fee regulations with some country-specific variations for commercial cards.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇮🇹
Italy
IT

Italy's payment processing market includes both traditional and digital payment methods with regulated interchange fees.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇳🇱
Netherlands
NL

The Netherlands has a highly digitalized payment market with competitive interchange fee structures.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇧🇪
Belgium
BE

Belgium's payment market is well-regulated with clear interchange fee guidelines for all card types.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇵🇱
Poland
PL

Poland's growing payment market follows EU regulations with some local adaptations for commercial transactions.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇸🇪
Sweden
SE

Sweden is a leader in digital payments with innovative interchange fee structures and high card usage.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇦🇹
Austria
AT

Austria's payment market is well-established with clear regulatory frameworks for interchange fees.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇮🇪
Ireland
IE

Ireland's payment market benefits from EU regulations while maintaining some local payment preferences.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇵🇹
Portugal
PT

Portugal's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇬🇷
Greece
GR

Greece's payment market is evolving with EU regulations and growing digital payment adoption.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇷🇴
Romania
RO

Romania's payment market is growing rapidly with EU regulations and strong fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇨🇿
Czech Republic
CZ

Czech Republic's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇭🇺
Hungary
HU

Hungary's payment market is evolving with EU regulations and growing digital payment adoption.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇧🇬
Bulgaria
BG

Bulgaria's payment market is growing with EU regulations and increasing digital payment adoption.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇭🇷
Croatia
HR

Croatia's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇨🇾
Cyprus
CY

Cyprus's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇪🇪
Estonia
EE

Estonia's payment market is highly digitalized with EU regulations and strong fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇫🇮
Finland
FI

Finland's payment market is highly digitalized with EU regulations and strong fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇱🇻
Latvia
LV

Latvia's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇱🇹
Lithuania
LT

Lithuania's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇱🇺
Luxembourg
LU

Luxembourg's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇲🇹
Malta
MT

Malta's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇸🇰
Slovakia
SK

Slovakia's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026
🇸🇮
Slovenia
SI

Slovenia's payment market follows EU regulations with growing digital adoption and fintech innovation.

Visa Credit:0.3%
Mastercard Credit:0.3%
Updated 18 March 2026

Get Complete EU Interchange Fee Report

This page shows sample data for 10 major EU countries. Our complete report includes detailed interchange fee data for all 30 EU countries with comprehensive breakdowns, regulatory analysis, and cost optimization insights.

All 30 EU Countries

Complete coverage including recent EU additions

Detailed Breakdowns

Credit, debit, commercial, and prepaid card rates

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