InstrumentosdePagamento DadosEstatísticos2016

Faturamento de Cartes (valor das transaes em R$)
Transaes Domsticas Transaes no Exterior

Ano Trimestre Crdito Dbito Pr-pago* Ano
2008 I 49,722,581,505 24,507,664,897 2008

II 53,248,878,041 22,383,304,593
III 55,145,740,958 27,540,846,318
IV 62,240,589,394 32,801,180,446
2009 I 58,480,180,589 29,053,439,794 2009
II 62,903,311,567 30,227,006,365
III 65,275,813,321 31,424,526,471
IV 76,045,781,264 37,696,825,005
2010 I 73,093,376,537 35,140,464,946 2010
II 78,388,552,444 36,289,202,504
III 83,251,011,653 39,267,763,097
IV 97,362,633,202 48,676,586,239
2011 I 89,164,559,509 44,167,862,682 2011
II 98,754,445,393 45,420,473,610
III 104,084,737,847 48,997,282,769
IV 108,634,134,803 57,260,580,416
2012 I 105,500,972,676 53,998,831,945 2012
II 112,781,306,170 53,930,336,126
III 115,299,245,242 58,745,974,494
IV 132,325,675,295 70,992,330,008
2013 I 118,319,913,282 65,572,333,809 2013
II 129,756,005,629 67,629,060,097
III 136,002,747,221 73,809,785,238
IV 149,625,082,309 87,857,167,667
2014 I 139,487,701,903 80,401,048,357 2014
II 143,551,525,683 80,729,653,311
III 149,713,173,715 84,865,383,069
IV 162,007,868,442 102,502,447,498
2015 I 152,876,859,206 91,360,916,881 2015
II 157,554,422,464 91,584,425,499
III 161,001,867,907 94,044,750,685
IV 176,661,676,687 112,539,910,707
2016 I 159,381,450,876 102,357,900,309 2016
II 163,965,686,701 100,537,737,621
III 166,295,823,760 103,865,527,950 485,567,807
IV 184,658,276,746 123,668,831,974 547,634,924
Fonte: Emissores
Observao: Dados revisados no perodo 2012-2015
* Somente pr-pagos emitidos por instituies financeiras
Descrio dos dados e metodologia disponvel em http://www.bcb.gov.br/htms/novaPaginaSPB/spbacessoifs.asp
ansaes no Exterior
Trimestre Crdito Dbito Pr-pago*
I 2,384,102,404 12,476,590
II 2,603,154,520 11,782,083
III 2,787,579,510 15,406,684
IV 2,697,253,680 15,790,957
I 2,577,536,259 14,706,802
II 2,527,546,874 14,679,805
III 2,738,790,440 17,555,526
IV 3,130,013,237 32,313,151
I 3,371,048,985 33,320,157
II 3,503,280,884 24,943,134
III 3,986,507,387 33,043,625
IV 4,519,545,028 37,578,620
I 4,333,486,335 47,582,170
II 4,147,922,570 45,541,242
III 4,772,800,985 60,139,867
IV 4,701,805,874 64,981,581
I 4,804,845,492 69,790,015
II 5,094,955,926 73,869,557
III 5,261,789,841 84,444,088
IV 5,598,000,487 95,436,050
I 5,385,182,591 87,610,850
II 5,725,940,269 92,727,816
III 5,773,485,844 104,667,261
IV 6,081,570,595 112,164,872
I 6,165,782,068 74,908,375
II 6,168,354,388 69,742,582
III 6,502,102,576 70,993,728
IV 7,002,526,479 79,914,108
I 6,783,668,813 67,072,925
II 6,020,783,858 61,956,046
III 6,209,653,513 63,648,128
IV 5,347,724,337 55,140,518
I 5,156,174,606 51,705,350
II 4,993,453,308 46,769,424
III 5,292,874,868 46,171,017 123,404,133
IV 5,749,550,553 51,353,636 117,351,171
Quantidade de Cartes de Crdito (estoque no final do trimestre)
Ano Trimestre Emitidos Ativos % Ativao
2008 I 120,505,660 68,575,068 56.9%

II 126,044,242 69,589,628 55.2%
III 131,556,227 72,041,261 54.8%
IV 136,990,033 74,230,898 54.2%
2009 I 137,986,846 73,787,350 53.5%
II 140,558,216 75,146,334 53.5%
III 145,150,736 75,784,286 52.2%
IV 147,293,636 76,216,234 51.7%
2010 I 157,423,658 79,912,219 50.8%
II 162,964,714 81,832,655 50.2%
III 161,078,968 83,091,446 51.6%
IV 164,691,444 83,017,765 50.4%
2011 I 154,886,640 81,131,025 52.4%
II 157,605,742 82,878,340 52.6%
III 152,654,060 79,006,017 51.8%
IV 154,089,924 78,401,583 50.9%
2012 I 152,148,488 78,343,548 51.5%
II 153,268,842 79,103,679 51.6%
III 151,698,694 76,303,290 50.3%
IV 153,247,588 77,644,282 50.7%
2013 I 155,201,028 78,483,737 50.6%
II 156,643,529 78,414,415 50.1%
III 160,280,439 80,028,016 49.9%
IV 160,995,702 81,715,774 50.8%
2014 I 160,905,229 79,866,964 49.6%
II 158,256,414 79,485,977 50.2%
III 159,561,970 82,740,617 51.9%
IV 160,025,860 83,105,119 51.9%
2015 I 162,532,737 81,265,773 50.0%
II 161,155,918 81,538,627 50.6%
III 164,258,415 84,820,123 51.6%
IV 163,104,063 85,143,541 52.2%
2016 I 159,956,755 84,432,150 52.8%
II 157,965,452 83,521,498 52.9%
III 153,850,188 80,924,999 52.6%
IV 148,868,215 83,529,510 56.1%
Fonte: Emissores
Observao: Dados revisados no perodo 2012-2015
Quantidade de Cartes de Crdito Ativos por Arranjo de Pagamento
Ano Trimestre Visa MasterCard Hipercard Amex Elo
2008 I 34,837,025 28,185,169 3,727,499 1,353,205 -

II 35,744,888 28,153,532 3,818,572 1,407,737 -
III 37,342,369 28,843,672 3,919,992 1,455,740 -
IV 38,262,906 28,791,857 4,014,054 1,484,115 -
2009 I 38,307,954 28,335,788 4,102,990 1,503,253 -
II 39,029,903 28,960,867 4,172,072 1,520,820 -
III 39,401,280 29,127,633 4,324,766 1,577,601 -
IV 39,636,532 29,323,344 4,481,573 1,624,901 -
2010 I 39,751,075 32,780,027 4,641,242 1,620,566 -
II 40,550,166 33,800,896 4,807,868 1,647,706 -
III 40,775,215 34,730,089 4,971,094 1,659,741 4
IV 36,263,435 38,529,771 5,103,942 1,725,599 5
2011 I 37,377,559 35,641,557 5,234,955 1,754,155 52
II 37,538,950 37,032,338 5,300,513 1,802,904 26,289
III 37,223,470 33,720,175 5,214,912 1,757,475 54,354
IV 36,510,495 34,007,248 5,048,847 1,846,598 69,781
2012 I 36,511,484 33,814,993 5,092,622 1,893,241 141,010
II 36,665,124 34,463,193 5,022,489 1,866,126 211,351
III 35,172,223 33,154,432 4,992,764 1,867,669 285,689
IV 35,233,853 34,437,929 4,930,552 1,835,283 377,276
2013 I 35,824,098 34,716,926 4,834,072 1,798,904 487,913
II 35,614,350 34,808,966 4,768,779 1,736,624 737,161
III 35,873,203 35,549,149 4,752,783 1,680,371 1,008,006
IV 36,359,576 36,581,780 4,800,193 1,643,822 1,211,711
2014 I 35,285,072 35,982,288 4,580,396 1,520,405 1,369,848
II 34,905,789 35,918,275 4,614,490 1,486,605 1,498,767
III 36,312,942 37,432,684 4,621,899 1,465,341 1,805,908
IV 35,022,122 38,739,422 4,967,751 1,441,272 1,878,876
2015 I 34,742,049 37,462,103 4,745,435 1,405,367 1,810,832
II 34,761,290 37,629,713 4,735,318 1,362,136 1,987,634
III 37,544,309 38,241,076 4,627,496 1,317,947 2,130,659
IV 37,151,336 38,785,287 4,742,539 1,265,417 2,233,512
2016 I 36,908,466 38,747,011 4,441,523 1,213,697 2,217,899
II 36,313,699 38,603,460 4,274,456 1,167,389 2,301,275
III 33,589,094 38,727,525 4,171,235 1,000,094 2,541,009
IV 35,166,457 39,571,400 4,265,895 946,696 2,674,384
Fonte: Emissores
Observaes:
Visa: Dados revisados no perodo 2012-2014
MasterCard: Dados revisados no perodo 2012-2015
Outros: Dados de 2015 revisados
Band. Prpria: Arranjos de pagamento em que o emissor o proprio instituidor
Outros: Arranjos de pagamento no especificados
Diners Band. Prpria Outros
232,727 135,859 103,584

228,551 113,320 123,028
238,142 117,078 124,268
250,196 103,059 1,324,711
243,270 99,762 1,194,333
237,015 95,083 1,130,574
241,811 78,096 1,033,099
262,293 88,293 799,298
272,183 143,571 703,555
281,747 162,564 581,708
297,441 183,671 474,191
315,891 169,369 909,753
314,831 171,581 636,335
310,744 172,602 694,000
303,911 173,906 557,814
297,326 178,187 443,101
292,921 174,566 422,711
284,820 189,081 401,495
277,456 187,975 365,082
271,957 193,900 363,532
265,706 192,732 363,386
264,694 182,877 300,964
324,853 179,871 659,780
316,654 180,217 621,821
322,735 174,377 631,843
290,610 176,073 595,368
282,577 179,600 639,666
273,339 182,857 599,480
263,934 184,520 651,533
254,917 184,496 623,123
245,068 181,922 531,646
235,937 186,325 543,188
224,585 185,145 493,824
213,684 184,876 462,659
204,243 169,169 522,630
195,540 182,129 527,009
Quantidade de Cartes de Crdito Ativos por Modalidade
Ano Trimestre Puro Hbrido Co-branded

2008 I 55,478,719 5,460,143 7,636,206
II 56,020,059 5,939,481 7,630,088
III 57,021,839 6,992,429 8,026,993
IV 57,895,968 7,434,927 8,900,003
2009 I 55,925,590 8,898,842 8,962,918
II 56,975,026 9,496,009 8,675,299
III 57,213,056 9,956,216 8,615,014
IV 57,192,376 10,480,239 8,543,619
2010 I 57,735,644 13,553,779 8,622,796
II 58,860,150 14,294,697 8,677,808
III 59,605,208 15,189,384 8,296,854
IV 57,528,164 16,935,217 8,554,384
2011 I 58,617,068 14,264,274 8,249,683
II 59,227,192 15,381,087 8,270,061
III 59,258,737 11,543,154 8,204,126
IV 58,165,500 11,991,961 8,244,122
2012 I 58,139,658 12,070,825 8,133,065
II 58,819,979 12,021,075 8,262,625
III 56,681,184 11,539,564 8,082,542
IV 57,813,556 11,651,183 8,179,543
2013 I 57,921,085 11,096,995 9,465,657
II 58,427,029 10,952,344 9,035,042
III 59,686,401 11,005,899 9,335,716
IV 60,829,638 11,411,585 9,474,551
2014 I 59,667,819 10,694,545 9,504,600
II 58,900,938 10,828,057 9,756,982
III 61,130,327 11,454,353 10,155,937
IV 61,019,800 11,784,988 10,300,331
2015 I 59,457,715 11,541,937 10,266,121
II 59,931,530 11,517,491 10,089,606
III 59,810,626 14,712,360 10,297,137
IV 59,666,255 14,905,028 10,572,258
2016 I 59,161,356 14,717,572 10,553,222
II 58,629,901 14,534,404 10,357,193
III 57,518,516 12,954,582 10,451,901
IV 58,578,003 14,311,379 10,640,128
Fonte: Emissores
Observao: Cartes Puro e Co-branded: Dados revisados no perodo 2012-2015.
Quantidade de Cartes de Crdito Ativos por Categoria de Produto
Ano Trimestre Corporativo Premium Intermedirio Bsico Outros

2008 I 1,105,693 2,151,970 6,430,233 58,646,375 240,797
II 1,123,195 2,212,789 6,542,870 59,473,101 237,673
III 1,176,064 2,345,422 7,118,587 61,157,695 243,493
IV 1,200,350 2,670,950 7,434,698 61,492,073 1,432,827
2009 I 1,203,039 2,693,615 7,613,929 60,973,514 1,303,253
II 1,266,637 2,778,663 8,112,107 61,752,577 1,236,350
III 1,302,115 2,917,807 8,590,479 61,849,012 1,124,873
IV 1,300,359 3,106,807 9,282,826 61,623,817 902,425
2010 I 1,318,669 3,271,671 9,304,819 65,155,239 861,821
II 1,354,388 3,533,307 9,454,035 66,741,378 749,547
III 1,396,902 3,864,971 10,061,632 67,104,102 663,839
IV 1,613,068 4,151,987 9,619,659 66,547,321 1,085,730
2011 I 1,702,046 4,553,323 10,363,307 63,697,577 814,772
II 1,893,506 4,807,707 10,437,839 64,865,732 873,556
III 2,050,787 5,077,043 10,529,091 60,610,131 738,965
IV 2,236,656 5,388,245 10,160,322 59,987,663 628,697
2012 I 2,507,490 5,639,164 12,054,512 57,537,540 604,842
II 2,687,557 5,968,587 12,306,343 57,542,840 598,352
III 2,857,473 6,130,322 11,933,203 54,821,364 560,928
IV 3,116,533 6,396,192 12,144,311 55,422,044 565,202
2013 I 2,742,583 6,519,766 12,182,872 56,472,587 565,929
II 2,912,619 6,678,201 12,201,737 56,109,390 512,468
III 3,153,145 6,978,750 12,494,017 56,513,454 888,650
IV 3,366,856 7,177,271 12,968,435 57,331,873 871,339
2014 I 3,528,567 6,777,236 9,880,669 58,792,791 887,701
II 3,722,046 7,002,727 9,895,659 58,014,050 851,495
III 3,961,355 7,933,568 13,309,638 56,453,618 1,082,438
IV 4,165,705 8,202,934 13,189,543 56,525,105 1,021,832
2015 I 4,286,708 8,338,873 13,230,801 54,397,733 1,011,658
II 4,378,687 8,621,472 13,381,816 54,176,322 980,330
III 4,423,387 8,817,593 13,410,749 57,248,801 919,593
IV 4,427,101 9,083,155 13,445,605 57,248,920 938,760
2016 I 4,250,722 9,092,938 13,305,848 56,962,037 820,605
II 4,241,195 9,150,960 13,223,602 56,117,933 787,808
III 4,324,713 8,711,396 13,063,168 53,975,189 850,533
IV 4,340,359 9,297,223 13,393,801 55,628,871 869,256
Fonte: Emissores
Observaes:
Cartes Corporativo, Premium e Intermedirio: dados revisados no perodo 2012-2014
Cartes Bsico e Outros: dados revisados no perodo 2010-2015
Outros: Produtos no especificados.
Quantidade de Cartes de Dbito
Ano Trimestre Emitidos* Ativos* % Ativao

2008 I 193,465,591 57,457,520 29.7%
II 201,911,545 62,986,778 31.2%
III 204,486,942 68,457,705 33.5%
IV 208,763,646 69,053,931 33.1%
2009 I 211,130,345 69,157,907 32.8%
II 216,428,037 70,500,875 32.6%
III 217,187,222 72,561,741 33.4%
IV 224,602,361 72,889,968 32.5%
2010 I 233,288,596 77,450,665 33.2%
II 232,096,656 77,093,927 33.2%
III 228,762,817 76,848,499 33.6%
IV 227,783,593 78,115,324 34.3%
2011 I 234,227,898 79,943,568 34.1%
II 241,246,941 82,876,574 34.4%
III 246,207,942 85,322,742 34.7%
IV 254,448,630 84,946,178 33.4%
2012 I 272,219,121 75,568,799 27.8%
II 278,455,284 78,376,787 28.1%
III 290,110,972 81,039,542 27.9%
IV 293,347,426 83,249,018 28.4%
2013 I 297,257,858 84,641,098 28.5%
II 300,468,341 86,906,464 28.9%
III 298,598,026 88,351,542 29.6%
IV 301,934,353 90,300,553 29.9%
2014 I 307,832,199 91,419,565 29.7%
II 313,271,572 92,970,372 29.7%
III 322,061,459 98,029,812 30.4%
IV 313,219,778 100,660,056 32.1%
2015 I 313,199,223 98,072,106 31.3%
II 315,522,416 99,138,070 31.4%
III 316,648,034 96,808,829 30.6%
IV 317,355,389 96,630,430 30.4%
2016 I 319,369,377 98,163,348 30.7%
II 321,777,477 100,987,002 31.4%
III 319,840,682 99,309,459 31.0%
IV 318,393,632 101,283,604 31.8%
Fonte: Emissores
Observaes:
Cartes Emitidos: Dados revisados no perodo 2012-2013
Cartes Ativos: Dados revisados no perodo 2012-2015
Quantidade de Cartes de Dbito Ativos por Arranjo de Pagamento
Ano Trimestre Visa MasterCard Elo Ch. Eletrnico Band. Prpria
2008 I 30,216,701 24,357,375 - 2,127,720 28,189

II 34,759,915 26,328,544 - 1,068,520 33,675
III 39,373,146 26,899,562 - 1,282,801 42,245
IV 39,923,681 27,261,385 - 933,812 42,958
2009 I 39,987,962 27,346,845 - 909,461 45,847
II 40,716,640 27,947,095 - 914,652 44,317
III 42,011,661 28,804,501 - 824,738 33,059
IV 42,741,131 28,376,331 - 828,083 46,127
2010 I 45,116,422 30,453,128 - 805,547 172,957
II 46,224,358 29,017,372 - 713,688 213,809
III 46,940,279 27,932,680 - 727,041 255,969
IV 48,301,707 27,735,028 - 800,236 285,623
2011 I 49,077,130 28,824,830 8 729,892 292,709
II 49,717,256 31,058,751 5,337 738,552 299,486
III 50,319,026 32,861,496 4,281 741,575 306,628
IV 45,519,513 37,212,817 25,221 748,436 318,223
2012 I 40,920,116 32,126,693 304,107 754,201 315,708
II 41,964,900 33,374,269 787,338 767,025 335,281
III 42,866,683 34,582,631 1,387,897 660,319 334,175
IV 43,392,152 35,564,499 1,988,893 725,698 347,932
2013 I 43,685,015 35,977,332 2,661,274 727,783 348,468
II 43,722,881 36,564,812 4,280,588 731,190 350,852
III 43,518,290 36,584,992 5,885,251 730,889 345,261
IV 43,310,143 37,179,348 7,571,291 586,819 352,785
2014 I 43,005,555 37,448,553 8,755,687 557,993 351,180
II 42,783,046 37,852,469 10,210,695 449,730 360,365
III 43,698,673 40,263,199 11,959,481 422,077 374,846
IV 43,961,492 40,797,753 13,796,353 398,115 379,920
2015 I 43,333,715 37,964,776 14,669,537 370,916 382,645
II 42,610,642 38,092,278 16,352,594 337,159 387,004
III 39,704,207 38,077,042 16,979,706 292,322 409,001
IV 38,809,951 38,044,714 17,749,871 240,940 435,696
2016 I 38,287,372 37,995,676 19,879,120 189,895 441,627
II 39,268,253 38,397,356 21,342,534 146,871 455,979
III 35,909,563 38,644,881 23,046,302 157,058 433,464
IV 35,175,111 38,665,917 25,704,568 121,629 453,595
Fonte: Emissores
Observaes:
Visa e Mastercard: dados revisados no perodo 2012-2013 e em 2015
Band. Prpria: Arranjos de pagamento em que o emissor o proprio instituidor
Outros: Arranjos de pagamento no especificados
Outros
727,535
796,124
859,951
892,095
867,792
878,171
887,782
898,296
902,611
924,700
992,530
992,730
1,018,999
1,057,192
1,089,736
1,121,968
1,147,974
1,147,974
1,207,837
1,229,844
1,241,226
1,256,141
1,286,859
1,300,167
1,300,597
1,314,067
1,311,536
1,326,423
1,350,517
1,358,393
1,346,551
1,349,258
1,369,658
1,376,009
1,118,191
1,162,784
Quantidade de Transaes com Cartes de Crdito por Arranjo de Pagamento
Transaes Domsticas
Ano Trimestre Visa MasterCard Hipercard American Express
2008 I 311,400,121 220,197,027 34,689,947 23,095,592
II 337,722,309 230,514,831 37,212,886 23,257,842
III 333,158,535 232,550,635 37,593,412 23,973,422
IV 357,377,044 256,935,095 41,733,316 23,678,745
2009 I 344,622,380 233,034,334 36,587,276 24,218,236
II 367,343,279 250,264,195 40,061,261 23,695,254
III 373,391,477 257,959,380 41,594,372 24,896,538
IV 414,121,946 275,617,794 49,344,691 25,681,481
2010 I 395,828,698 275,775,361 44,961,536 25,160,992
II 422,770,278 295,861,607 48,449,041 25,350,975
III 442,119,004 314,325,777 48,978,637 25,560,144
IV 484,807,643 354,824,814 55,655,462 26,868,092
2011 I 441,305,343 343,938,348 49,117,684 27,697,241
II 481,876,422 387,031,093 53,801,257 28,618,087
III 502,312,536 395,401,569 51,822,202 30,145,358
IV 514,639,539 419,033,037 52,034,085 30,798,279
2012 I 498,398,296 396,088,948 45,776,533 31,617,873
II 524,723,174 429,050,112 48,197,209 31,451,982
III 525,613,668 436,215,742 45,516,142 32,259,310
IV 585,850,689 482,432,973 52,519,930 32,823,514
2013 I 547,093,313 443,819,889 44,710,789 33,368,710
II 585,332,071 484,058,495 51,538,739 34,374,986
III 604,343,633 507,647,072 52,216,517 34,879,796
IV 623,932,047 531,771,926 56,048,838 35,821,947
2014 I 631,551,068 545,146,728 50,197,862 36,242,412
II 644,437,589 568,988,474 53,329,059 35,830,394
III 627,071,359 551,595,873 53,388,405 37,437,548
IV 643,406,072 570,154,392 58,892,095 37,715,533
2015 I 627,450,033 559,069,761 52,754,819 37,698,956
II 648,229,440 593,029,952 55,737,998 37,430,970
III 659,787,117 612,119,324 55,824,374 37,817,764
IV 691,482,743 650,235,094 58,991,769 37,610,093
2016 I 655,602,407 602,157,311 52,569,959 37,433,780
II 674,303,863 644,874,734 54,250,505 37,134,446
III 665,312,038 669,917,885 54,457,754 38,384,486
IV 702,602,228 728,397,651 58,233,759 39,177,496
Fonte: Emissores
Observaes:
Visa e MasterCard: dados revisados no perodo 2012-2015
Outros: dados de 2015 revisados
Outros: Arranjos de pagamento no especificados.
Transaes no Exterior
Elo Diners Club Outros Ano Trimestre
3,850,032 648,127 2008 I
3,884,147 748,373 II
3,962,287 771,604 III
4,273,906 3,093,140 IV
3,734,203 2,398,309 2009 I
3,835,423 2,580,405 II
4,024,902 2,580,299 III
4,693,343 1,798,494 IV
4,311,246 2,136,520 2010 I
4,538,937 2,054,227 II
4 4,745,043 2,007,627 III
5 4,968,915 2,385,151 IV
56 4,288,415 1,955,238 2011 I
39,492 4,232,153 2,718,792 II
206,100 4,319,832 2,072,050 III
388,099 4,655,689 1,734,247 IV
902,537 3,970,129 1,636,191 2012 I
1,361,607 3,797,195 1,707,243 II
1,742,880 4,195,185 1,661,778 III
2,866,431 4,097,515 1,610,988 IV
3,174,859 3,518,180 1,374,224 2013 I
6,136,042 3,714,921 1,355,064 II
8,218,319 4,144,827 3,901,360 III
9,588,102 4,083,689 4,198,790 IV
10,340,150 3,907,453 3,854,072 2014 I
11,504,837 4,050,076 4,318,554 II
14,530,160 4,114,986 4,491,509 III
14,730,616 4,345,929 4,775,299 IV
14,519,587 4,080,743 4,323,027 2015 I
15,754,521 4,214,409 4,710,824 II
16,656,529 4,221,349 4,541,649 III
19,665,748 4,371,779 5,371,770 IV
21,261,584 4,028,970 4,145,677 2016 I
25,295,313 4,046,750 4,437,461 II
29,634,323 4,013,253 4,605,883 III
32,641,123 4,036,077 4,852,760 IV
Visa MasterCard American Express Diners Club Elo
5,836,413 3,295,325 1,168,195 93,648 -

7,122,239 3,442,915 1,145,617 85,418 -
6,977,467 3,913,838 1,295,364 95,469 -
5,412,098 3,363,867 1,066,547 85,605 -
6,307,414 3,338,213 1,084,402 90,433 -
6,749,709 3,650,769 1,011,093 79,336 -
7,096,769 4,199,400 1,197,045 99,360 -
8,592,741 4,724,487 1,362,451 123,267 -
8,830,460 5,068,212 1,509,314 152,667 -
9,480,495 5,486,097 1,486,073 141,793 -
11,212,858 6,474,448 1,706,991 176,035 -
12,554,150 7,199,859 1,868,920 175,257 -
11,646,941 7,446,720 1,926,721 185,947 -
11,626,192 7,152,273 1,814,600 157,632 -
13,271,308 8,384,136 1,868,871 148,329 -
10,341,307 6,610,942 1,839,647 148,344 -
11,599,414 7,497,366 1,965,157 146,310 -
11,917,784 7,788,558 1,898,143 110,273 -
14,506,458 8,288,360 1,952,093 121,960 -
12,937,811 8,980,122 2,022,042 127,762 -
12,429,519 9,017,226 2,114,542 121,679 -
14,025,740 10,182,175 2,104,740 105,696 -
14,236,730 10,825,254 2,065,735 85,723 5
16,461,698 10,858,140 2,096,878 91,142 50
15,965,577 10,780,970 2,091,005 90,502 124
17,204,103 11,787,908 2,074,630 91,838 90
18,133,704 12,609,710 2,071,143 82,624 16
17,159,749 11,868,955 2,134,438 94,052 16
14,485,437 10,249,049 2,110,056 95,946 2
12,746,139 9,395,340 1,808,296 72,327 3
11,937,961 9,033,086 1,845,448 76,220 5
10,583,218 8,075,157 1,654,145 66,062 3
10,115,576 7,495,446 1,625,041 65,556 3
10,560,864 8,226,283 1,510,072 45,758 163
11,727,577 9,368,440 1,625,713 47,387 1,185
11,807,616 10,308,655 1,931,693 49,562 7,754
Outras
1
1
1
-
78
85
113
33
45
24
25
428
11
1,420
16
10
30
8
5
6
22
1
10
7
3
4
5
1
7
-
3
4
-
-
12
3
Transaes com Cartes de Crdito por Modalidade
Quantidade de Transaes Valor das Transaes

Ano Trimestre Puro Hbrido Co-branded Ano
2008 I 508,588,993 23,453,905 61,837,948 2008
II 547,642,509 21,657,468 64,040,411
III 542,360,591 25,886,507 63,762,797
IV 582,834,036 33,249,812 71,007,398
2009 I 540,555,172 36,750,722 67,288,844 2009
II 577,903,387 42,672,002 67,204,428
III 586,210,049 47,557,930 70,678,989
IV 643,151,742 52,321,145 75,784,862
2010 I 615,172,641 62,177,371 70,824,341 2010
II 653,786,048 70,218,085 75,020,932
III 688,553,051 74,748,801 74,434,384
IV 772,355,093 82,135,643 75,019,346
2011 I 715,868,729 83,519,816 68,913,780 2011
II 791,202,673 90,632,395 76,482,228
III 814,966,983 90,804,253 80,508,411
IV 845,502,258 94,335,083 83,445,634
2012 I 812,845,772 89,086,450 76,458,285 2012
II 863,829,325 95,555,023 80,904,174
III 869,603,787 96,109,337 81,491,581
IV 971,167,455 102,965,322 88,069,263
2013 I 903,646,052 94,413,662 79,000,250 2013
II 980,267,671 101,722,110 84,520,537
III 1,020,830,132 106,528,544 87,992,848
IV 1,061,521,586 111,356,681 92,567,072
2014 I 1,085,733,258 105,201,242 90,305,245 2014
II 1,114,420,711 111,393,170 96,645,102
III 1,085,025,068 113,179,351 94,425,421
IV 1,114,955,281 120,347,661 98,716,994
2015 I 1,091,230,979 113,338,696 95,327,251 2015
II 1,138,051,566 120,676,166 100,380,382
III 1,162,042,634 122,358,462 106,567,010
IV 1,223,138,253 130,789,447 113,801,296
2016 I 1,147,932,882 123,286,284 105,980,522 2016
II 1,206,616,438 126,629,323 111,097,311
III 1,229,288,083 122,671,304 114,366,235
IV 1,309,102,745 139,505,621 121,332,728
Fonte: Emissores
Observaes:
Cartes Puro e Co-branded: dados revisados no perodo 2012-2015
Somente transaes domsticas.
or das Transaes
Trimestre Puro Hbrido Co-branded
I 42,321,471,894 1,759,857,050 5,641,252,561
II 45,446,650,049 1,824,013,120 5,978,214,872
III 46,942,240,828 2,114,819,563 6,088,680,567
IV 52,628,528,020 2,363,009,745 7,249,051,629
I 48,789,489,647 2,964,343,749 6,726,347,193
II 52,650,840,648 3,332,325,550 6,920,145,369
III 53,801,216,009 3,779,463,502 7,695,133,811
IV 62,828,433,611 4,466,512,300 8,750,835,353
I 59,392,081,761 5,524,380,453 8,176,914,323
II 63,400,674,960 6,375,882,102 8,611,995,382
III 67,648,942,462 6,697,584,273 8,904,484,919
IV 79,967,237,932 7,785,104,217 9,610,291,053
I 72,919,582,911 7,601,101,027 8,643,875,571
II 80,603,505,770 8,425,902,500 9,725,037,123
III 84,894,978,477 8,739,319,337 10,450,440,034
IV 87,464,559,619 9,593,280,487 11,576,294,697
I 86,422,364,027 8,692,016,567 10,386,592,083
II 92,571,834,967 9,014,107,721 11,195,363,483
III 94,648,036,764 9,142,555,767 11,508,652,711
IV 109,454,019,537 10,216,738,629 12,654,917,128
I 98,205,686,095 8,989,085,839 11,125,141,348
II 108,290,070,468 9,513,514,078 11,952,421,083
III 113,343,117,164 10,052,755,689 12,606,874,367
IV 124,492,002,571 11,200,722,976 13,932,356,762
I 116,602,523,862 10,299,186,115 12,585,991,926
II 119,525,114,257 10,805,468,254 13,220,943,171
III 124,615,718,228 11,244,264,323 13,853,191,163
IV 134,309,219,493 12,694,200,653 15,004,448,296
I 128,135,851,944 11,454,727,408 13,286,279,854
II 131,620,657,331 11,967,532,476 13,966,232,657
III 134,394,184,866 12,119,123,472 14,488,559,569
IV 147,309,711,360 13,781,040,147 15,570,925,180
I 133,262,730,128 12,740,031,462 13,378,689,287
II 137,459,497,277 12,947,346,288 13,558,843,136
III 140,121,329,222 12,534,607,706 13,639,886,832
IV 154,925,550,799 14,865,484,462 14,867,241,486
Transaes com Cartes de Crdito por Categoria de Produto
Quantidade de Transaes
Ano Trimestre Corporativo Premium Intermedirio Bsico Outros
2008 I 12,710,358 54,210,486 104,357,361 421,948,835 653,806

II 13,449,985 59,795,897 111,720,822 447,596,194 777,490
III 15,025,690 61,912,623 113,737,622 440,514,673 819,287
IV 15,397,387 72,109,772 122,057,420 474,374,389 3,152,278
2009 I 13,913,515 70,667,587 111,906,917 445,592,831 2,513,888
II 15,301,602 75,997,662 122,244,507 471,537,248 2,698,798
III 16,234,034 79,223,296 130,526,063 475,751,457 2,712,118
IV 16,845,309 93,634,764 148,352,606 510,471,039 1,954,031
2010 I 15,657,348 93,237,435 142,283,283 494,690,044 2,306,243
II 17,207,030 102,119,334 151,017,131 526,623,434 2,058,136
III 17,896,767 113,988,989 156,804,229 547,034,296 2,011,955
IV 20,463,630 134,474,173 171,769,723 600,412,891 2,389,665
2011 I 18,925,158 131,942,428 158,156,783 557,318,680 1,959,276
II 22,150,506 144,783,791 172,090,039 616,569,632 2,723,328
III 24,152,819 155,701,518 176,501,294 627,846,975 2,077,041
IV 24,157,834 165,701,645 203,087,729 628,596,475 1,739,292
2012 I 23,748,889 169,622,041 193,392,688 589,985,408 1,641,481
II 27,243,219 180,580,825 205,170,493 625,580,885 1,713,100
III 28,513,805 187,581,428 207,535,924 621,905,875 1,667,673
IV 32,025,349 214,235,770 231,091,847 683,232,591 1,616,483
2013 I 28,073,414 200,737,939 212,089,357 634,765,498 1,393,756
II 33,527,951 219,904,191 231,542,937 680,039,488 1,495,751
III 35,645,236 233,586,219 241,631,272 700,337,532 4,151,265
IV 38,349,280 246,588,519 255,763,552 720,185,714 4,558,274
2014 I 38,492,489 258,299,674 278,099,195 702,140,136 4,208,251
II 42,175,062 267,711,609 286,405,434 721,488,692 4,678,186
III 43,574,893 265,182,620 259,070,692 718,002,112 6,799,523
IV 47,456,100 289,824,610 265,982,607 724,680,486 6,076,133
2015 I 45,525,948 285,270,495 260,096,210 703,564,750 5,439,523
II 49,948,766 299,621,150 273,315,554 730,409,320 5,813,324
III 51,325,181 312,525,175 280,016,919 741,282,770 5,818,061
IV 53,016,154 342,070,581 299,142,223 766,715,319 6,784,719
2016 I 48,496,538 327,448,392 280,131,987 715,765,530 5,357,241
II 52,013,337 345,010,535 296,538,651 745,034,592 5,745,957
III 55,008,883 351,182,200 309,542,946 744,581,758 6,009,835
IV 58,136,372 384,866,384 328,682,856 791,820,996 6,434,486
Fonte: Emissores
Observaes:
Cartes Corporativo, Premium e Intermedirio: dados revisados no perodo 2012-2014
Cartes Bsico e Outros: dados revisados no perodo 2012-2015
Outros: Produtos no especificados.
Valor das Transaes
Ano Trimestre Corporativo Premium Intermedirio
2008 I 2,599,131,647 6,453,825,782 10,780,805,609

II 3,094,606,187 6,829,084,634 11,307,985,664
III 3,348,271,015 7,471,554,278 11,940,020,711
IV 3,496,803,258 8,726,242,061 13,329,418,374
2009 I 2,850,102,089 8,810,190,859 12,409,784,721
II 3,428,336,869 9,517,000,020 13,502,671,075
III 4,039,354,433 9,845,785,632 14,195,989,456
IV 4,415,995,624 12,163,830,820 16,977,788,166
2010 I 4,225,758,926 12,114,049,739 16,150,199,774
II 4,833,446,561 13,196,774,145 16,969,714,801
III 5,129,297,935 14,786,504,801 17,807,185,797
IV 6,195,944,832 18,216,311,790 20,384,410,792
2011 I 5,518,335,115 17,512,393,435 18,628,890,005
II 6,720,006,247 19,356,182,771 20,202,507,426
III 7,531,120,653 21,116,136,763 21,051,963,767
IV 7,903,690,657 21,771,586,943 23,479,704,695
2012 I 7,272,337,785 23,098,763,375 23,070,128,267
II 8,420,316,109 24,736,047,225 24,539,965,719
III 8,654,502,271 25,936,211,695 25,254,245,270
IV 9,467,762,743 30,505,018,592 29,019,248,671
2013 I 8,120,129,482 28,067,175,906 25,981,270,501
II 9,651,770,383 30,869,936,694 28,103,123,490
III 10,308,467,365 32,573,372,715 29,205,673,380
IV 11,125,609,543 35,940,582,761 32,582,464,957
2014 I 10,295,134,389 34,653,544,560 30,731,762,226
II 11,073,249,144 35,693,804,900 31,224,414,351
III 11,633,720,987 37,982,364,474 31,867,658,928
IV 12,718,276,112 42,948,989,758 33,980,585,878
2015 I 10,987,919,774 41,766,071,721 32,280,539,177
II 12,076,382,018 43,323,946,036 33,154,945,236
III 12,158,110,571 44,948,291,723 33,710,234,711
IV 12,389,836,321 50,574,879,292 37,342,984,225
2016 I 10,537,194,599 46,896,204,036 33,478,133,096
II 10,911,526,060 48,365,095,680 34,658,309,899
III 11,216,633,288 48,877,927,520 35,845,113,108
IV 11,626,228,256 55,316,763,121 39,427,507,204
Bsico Outros
29,830,640,959 58,177,509
31,941,784,196 75,417,361
32,309,559,452 76,335,503
36,218,197,237 469,928,464
34,078,808,496 331,294,423
36,123,037,013 332,266,589
36,889,385,125 305,298,677
42,252,641,055 235,525,597
40,326,591,898 276,776,200
43,106,607,490 282,009,446
45,246,460,532 281,562,588
52,222,659,928 343,305,861
47,211,262,804 293,678,149
52,160,671,138 315,077,810
54,073,617,436 311,899,228
55,188,019,159 291,133,350
51,801,492,085 258,251,164
54,784,853,885 300,123,233
55,182,224,312 272,061,694
63,061,476,304 272,168,985
55,914,248,113 237,089,280
60,883,818,268 247,356,794
63,316,705,130 598,528,630
69,258,249,405 718,175,643
63,163,485,783 643,774,946
64,753,294,802 806,762,486
67,184,944,480 1,044,484,846
71,177,723,179 1,182,293,514
66,795,475,568 1,046,852,967
67,876,364,791 1,122,784,383
69,103,043,041 1,082,187,861
75,220,597,671 1,133,379,178
67,742,498,522 727,420,623
69,267,939,815 762,815,247
69,564,458,790 791,691,053
77,438,029,428 849,748,737
Percentual de Transaes com Cartes de Crdito por Forma de Captura
Quantidade de Transaes
Ano Trimestre Eletr. - Tarja Eletr. - Chip No Eletrnica No Presencial
2008 I 82.9% 12.0% 0.7% 4.4%
II 78.4% 16.6% 0.7% 4.3%
III 74.7% 20.4% 0.6% 4.3%
IV 71.7% 23.6% 0.4% 4.3%
2009 I 67.5% 27.3% 0.3% 4.9%
II 62.7% 32.0% 0.3% 5.0%
III 57.9% 36.4% 0.3% 5.4%
IV 53.3% 41.2% 0.3% 5.3%
2010 I 49.0% 44.8% 0.3% 6.0%
II 46.8% 46.9% 0.3% 6.0%
III 43.5% 49.9% 0.3% 6.3%
IV 39.9% 53.6% 0.2% 6.3%
2011 I 36.8% 56.1% 0.1% 7.0%
II 34.7% 58.3% 0.1% 6.9%
III 31.2% 61.5% 0.1% 7.2%
IV 28.1% 64.9% 0.1% 7.0%
2012 I 25.6% 66.8% 0.1% 7.5%
II 23.3% 69.3% 0.1% 7.3%
III 20.6% 71.8% 0.1% 7.5%
IV 18.8% 73.8% 0.0% 7.3%
2013 I 17.3% 74.7% 0.1% 7.9%
II 15.9% 76.1% 0.0% 7.9%
III 13.9% 77.9% 0.0% 8.1%
IV 10.1% 81.8% 0.0% 8.1%
2014 I 8.6% 82.6% 0.0% 8.8%
II 5.9% 85.3% 0.1% 8.7%
III 4.1% 86.3% 0.3% 9.3%
IV 3.4% 86.9% 0.3% 9.4%
2015 I 3.2% 86.3% 0.3% 10.1%
II 3.0% 86.7% 0.3% 10.0%
III 2.7% 86.7% 0.3% 10.2%
IV 2.6% 87.2% 0.2% 10.1%
2016 I 2.5% 86.7% 0.1% 10.6%
II 2.2% 87.6% 0.1% 10.1%
III 1.9% 88.0% 0.1% 10.1%
IV 1.7% 87.6% 0.1% 10.6%
Fonte: Credenciadores
Observaes:
Dados de 2015 revisados
Valor das Transaes
Ano Trimestre Eletr. - Tarja Eletr. - Chip No Eletrnica No Presencial
2008 I 76.5% 12.2% 1.2% 10.1%
II 72.8% 15.9% 1.3% 9.9%
III 69.9% 19.2% 1.2% 9.6%
IV 66.8% 22.8% 0.8% 9.7%
2009 I 62.0% 26.2% 0.8% 11.1%
II 57.4% 30.2% 0.8% 11.5%
III 52.6% 34.3% 0.8% 12.3%
IV 48.6% 39.2% 0.7% 11.6%
2010 I 44.2% 42.4% 0.7% 12.7%
II 42.6% 43.8% 0.8% 12.7%
III 39.7% 45.9% 0.8% 13.7%
IV 36.7% 49.6% 0.5% 13.2%
2011 I 33.4% 51.5% 0.6% 14.5%
II 31.8% 53.5% 0.6% 14.0%
III 28.7% 55.6% 0.6% 15.1%
IV 26.2% 59.1% 0.6% 14.1%
2012 I 23.5% 60.2% 0.6% 15.7%
II 21.8% 62.1% 0.7% 15.3%
III 19.6% 64.0% 0.8% 15.6%
IV 18.4% 66.5% 0.6% 14.5%
2013 I 17.1% 66.9% 0.7% 15.3%
II 15.9% 67.8% 0.9% 15.4%
III 14.3% 69.4% 0.8% 15.6%
IV 10.4% 73.9% 0.6% 15.1%
2014 I 9.4% 73.5% 0.8% 16.3%
II 6.0% 77.0% 1.1% 15.9%
III 3.2% 77.5% 1.9% 17.4%
IV 2.6% 79.2% 1.6% 16.6%
2015 I 2.4% 78.4% 1.8% 17.4%
II 2.1% 78.8% 1.7% 17.5%
III 1.8% 78.8% 1.7% 17.7%
IV 1.8% 80.3% 1.1% 16.9%
2016 I 1.8% 79.7% 1.0% 17.5%
II 1.5% 80.4% 1.0% 17.2%
III 1.2% 80.0% 0.9% 17.9%
IV 1.1% 80.7% 0.8% 17.3%
Percentual de Transaes com Cartes de Crdito por Parcelamento
Ano Trimestre 1 parc. 2 e 3 parc. 4 a 6 parc. 7 ou + parc. Ano

2008 I 81.3% 13.0% 4.1% 1.6% 2008
II 80.2% 13.8% 4.5% 1.6%
III 80.7% 13.6% 4.3% 1.5%
IV 78.6% 15.1% 4.7% 1.5%
2009 I 82.0% 12.8% 3.9% 1.3% 2009
II 80.5% 13.8% 4.3% 1.4%
III 80.9% 13.4% 4.2% 1.5%
IV 78.3% 15.1% 4.9% 1.7%
2010 I 81.2% 13.0% 4.2% 1.6% 2010
II 80.0% 13.8% 4.6% 1.6%
III 80.1% 13.7% 4.5% 1.7%
IV 78.0% 15.0% 5.1% 1.8%
2011 I 80.9% 13.1% 4.3% 1.7% 2011
II 79.9% 13.8% 4.7% 1.6%
III 80.3% 13.5% 4.6% 1.6%
IV 78.3% 14.9% 5.1% 1.7%
2012 I 81.0% 13.0% 4.4% 1.6% 2012
II 80.1% 13.7% 4.6% 1.6%
III 80.5% 13.4% 4.4% 1.6%
IV 78.7% 14.6% 4.9% 1.8%
2013 I 81.5% 12.6% 4.2% 1.7% 2013
II 80.7% 13.2% 4.4% 1.7%
III 81.0% 13.1% 4.3% 1.7%
IV 78.8% 14.4% 4.9% 2.0%
2014 I 82.0% 12.2% 4.0% 1.7% 2014
II 81.6% 12.6% 4.1% 1.6%
III 81.6% 12.6% 4.1% 1.7%
IV 79.9% 13.7% 4.6% 1.9%
2015 I 82.5% 11.9% 3.9% 1.7% 2015
II 82.3% 12.2% 4.0% 1.5%
III 82.7% 12.0% 3.7% 1.5%
IV 81.4% 12.9% 4.1% 1.6%
2016 I 83.8% 11.2% 3.5% 1.4% 2016
II 83.2% 11.9% 3.6% 1.4%
III 83.6% 11.6% 3.4% 1.4%
IV 82.2% 12.5% 3.8% 1.5%
Observaes:
Dados de 2015 revisados
Somente transaes domsticas
lor das Transaes
Trimestre 1 parc. 2 e 3 parc. 4 a 6 parc. 7 ou + parc.

I 52.9% 21.1% 15.3% 10.6%
II 51.0% 22.2% 16.3% 10.5%
III 51.2% 22.1% 16.2% 10.4%
IV 49.5% 23.7% 16.6% 10.2%
I 52.3% 21.6% 15.8% 10.3%
II 50.3% 22.6% 16.5% 10.6%
III 50.4% 22.4% 16.3% 10.9%
IV 47.8% 23.5% 17.0% 11.6%
I 50.4% 21.4% 16.2% 11.9%
II 48.8% 22.5% 17.0% 11.7%
III 48.5% 22.6% 17.3% 11.7%
IV 47.1% 23.4% 17.7% 11.8%
I 49.5% 21.6% 16.8% 12.1%
II 48.8% 22.5% 17.7% 11.1%
III 48.8% 22.2% 17.7% 11.3%
IV 47.4% 23.3% 17.9% 11.4%
I 49.3% 21.3% 17.3% 12.0%
II 48.5% 22.2% 17.7% 11.6%
III 48.5% 22.2% 17.5% 11.8%
IV 47.1% 22.9% 17.6% 12.3%
I 49.5% 21.0% 16.7% 12.8%
II 48.2% 21.9% 17.4% 12.5%
III 48.3% 21.9% 17.0% 12.8%
IV 46.4% 22.5% 17.5% 13.6%
I 49.5% 20.6% 16.5% 13.4%
II 49.5% 21.2% 16.6% 12.8%
III 48.7% 21.5% 17.0% 12.9%
IV 47.2% 22.2% 17.1% 13.4%
I 49.8% 20.6% 16.4% 13.2%
II 49.8% 21.4% 16.6% 12.1%
III 50.0% 21.4% 16.2% 12.4%
IV 49.2% 22.0% 16.3% 12.6%
I 51.8% 20.4% 15.6% 12.2%
II 50.7% 21.5% 15.9% 11.9%
III 50.7% 21.4% 15.6% 12.3%
IV 49.3% 21.9% 16.0% 12.8%
Quantidade de Transaes com Cartes de Dbito por Arranjo de Pagamento
Transaes Domsticas
Ano Trimestre Visa MasterCard Elo Outros
2008 I 276,488,225 199,306,042 - 15,493,614

II 283,541,201 198,520,501 - 15,834,719
III 310,937,784 210,930,445 - 16,783,128
IV 347,087,625 242,161,981 - 19,090,298
2009 I 325,920,137 223,033,114 - 16,753,724
II 326,335,729 228,072,705 - 18,039,614
III 348,814,966 241,301,757 - 18,397,804
IV 403,222,187 273,242,715 - 21,507,915
2010 I 389,652,201 254,023,725 - 20,608,078
II 398,035,394 269,682,507 - 22,101,946
III 435,282,518 276,666,341 - 23,339,273
IV 507,072,797 325,294,876 - 26,584,137
2011 I 469,587,026 313,310,701 15 23,253,556
II 471,048,725 334,689,203 15,774 24,710,028
III 496,121,015 373,593,300 55,428 25,219,305
IV 545,916,965 401,158,221 236,864 28,934,787
2012 I 522,702,019 406,581,879 1,597,098 25,705,069
II 522,495,451 409,675,664 1,794,550 26,585,119
III 553,183,134 442,760,071 9,358,745 26,915,563
IV 630,934,567 507,070,927 13,179,075 31,057,830
2013 I 585,527,687 478,385,230 15,835,136 28,074,332
II 592,467,540 496,878,343 35,056,765 28,981,515
III 624,341,665 535,726,808 58,200,064 29,410,705
IV 682,485,540 601,119,735 82,980,360 33,385,189
2014 I 629,036,165 563,237,244 89,489,428 30,026,377
II 621,457,109 568,783,944 102,956,993 30,896,898
III 638,220,734 598,599,048 123,948,547 31,604,417
IV 719,307,451 687,490,340 159,338,145 35,989,037
2015 I 656,088,264 618,628,202 160,955,670 31,919,785
II 652,045,140 616,891,646 177,561,770 29,502,122
III 666,326,330 634,614,741 201,204,119 28,672,024
IV 741,590,618 719,003,132 242,096,397 32,672,807
2016 I 681,065,846 678,130,041 240,677,258 30,684,158
II 652,035,051 686,515,190 249,843,081 30,800,611
III 625,153,536 731,820,822 285,807,461 30,937,887
IV 696,390,548 826,876,993 354,489,013 36,101,995
Fonte: Emissores
Observaes:
Transaes Visa e MasterCard: dados revisados no perodo 2012-2015
Outros: Arranjos de pagamento no especificados.
Transaes no Exterior
Ano Trimestre Visa MasterCard
2008 I 54,252 46,159

II 52,456 43,079
III 82,104 46,677
IV 70,016 44,236
2009 I 73,320 45,889
II 72,084 48,642
III 89,990 59,569
IV 104,225 76,810
2010 I 115,944 79,331
II 113,522 81,990
III 149,055 111,121
IV 145,271 124,226
2011 I 157,005 136,871
II 171,814 151,726
III 210,217 187,874
IV 202,162 181,923
2012 I 209,446 224,773
II 212,912 223,462
III 237,862 259,486
IV 221,342 274,970
2013 I 213,161 256,891
II 224,137 268,890
III 253,129 285,940
IV 240,280 295,764
2014 I 173,333 200,317
II 199,169 189,988
III 192,464 205,008
IV 152,350 216,032
2015 I 145,027 176,497
II 137,419 155,966
III 144,095 150,027
IV 120,353 120,501
2016 I 124,198 112,018
II 121,855 108,873
III 89,612 127,798
IV 97,385 133,518
Percentual de Transaes com Cartes de Dbito por Forma de Captura

Ano Trimestre Eletr. - Tarja Eletr. - Chip No Presencial Ano Trimestre
2008 I 81.04% 18.95% 0.00% 2008 I

II 73.28% 26.71% 0.00% II
III 68.38% 31.62% 0.00% III
IV 66.68% 33.31% 0.01% IV
2009 I 65.53% 34.46% 0.00% 2009 I
II 64.88% 35.12% 0.01% II
III 63.53% 36.46% 0.01% III
IV 60.55% 39.44% 0.01% IV
2010 I 58.24% 41.75% 0.01% 2010 I
II 56.98% 43.01% 0.01% II
III 56.54% 43.45% 0.01% III
IV 56.85% 43.14% 0.01% IV
2011 I 56.32% 43.68% 0.01% 2011 I
II 54.77% 45.23% 0.01% II
III 52.75% 47.24% 0.01% III
IV 49.74% 50.25% 0.01% IV
2012 I 48.15% 51.84% 0.00% 2012 I
II 46.97% 53.03% 0.01% II
III 46.76% 53.24% 0.01% III
IV 47.40% 52.59% 0.00% IV
2013 I 46.77% 53.23% 0.00% 2013 I
II 44.70% 55.30% 0.01% II
III 42.77% 57.22% 0.01% III
IV 40.97% 59.02% 0.01% IV
2014 I 39.96% 60.03% 0.01% 2014 I
II 39.25% 60.74% 0.01% II
III 37.83% 62.16% 0.01% III
IV 36.29% 63.70% 0.01% IV
2015 I 35.60% 64.39% 0.01% 2015 I
II 34.59% 65.40% 0.01% II
III 33.10% 66.88% 0.02% III
IV 31.87% 68.11% 0.02% IV
2016 I 31.17% 68.82% 0.02% 2016 I
II 30.44% 69.54% 0.02% II
III 29.30% 70.69% 0.02% III
IV 28.15% 71.84% 0.01% IV
Observaes:
Dados revisados no perodo 2008-2015
Eletr. - Tarja Eletr. - Chip No presencial
79.30% 20.69% 0.01%

71.60% 28.22% 0.17%
65.48% 33.18% 1.33%
63.43% 34.72% 1.85%
62.66% 36.58% 0.77%
60.10% 35.95% 3.95%
57.96% 36.96% 5.08%
57.22% 40.53% 2.25%
55.75% 43.18% 1.07%
53.45% 43.35% 3.20%
52.45% 42.98% 4.56%
54.26% 43.36% 2.39%
53.79% 44.32% 1.90%
50.84% 44.61% 4.55%
49.70% 45.85% 4.45%
48.15% 48.93% 2.92%
46.97% 50.96% 2.07%
44.03% 50.92% 5.05%
44.38% 52.12% 3.50%
45.88% 52.01% 2.11%
45.72% 52.59% 1.68%
42.47% 52.71% 4.83%
41.60% 54.74% 3.66%
40.19% 56.00% 3.81%
39.98% 57.24% 2.78%
37.93% 55.87% 6.20%
37.15% 58.40% 4.45%
36.15% 60.64% 3.22%
36.07% 62.32% 1.61%
34.84% 62.39% 2.77%
32.73% 61.67% 5.60%
32.53% 63.84% 3.62%
32.24% 64.80% 2.96%
30.43% 63.42% 6.15%
30.13% 65.99% 3.88%
29.62% 67.60% 2.78%
Cartes de Crdito - Taxa de Desconto Mdia (%)
Ano Trimestre Mercado Cielo Rede Hipercard Bankpar
2008 I 2.90 2.96 3.00 1.87 2.70

II 2.95 3.00 3.08 1.83 2.70
III 2.95 3.00 3.09 1.94 2.69
IV 2.96 3.02 3.11 1.83 2.70
2009 I 2.93 2.99 3.07 1.89 2.68
II 2.94 3.01 3.08 1.83 2.67
III 2.96 3.03 3.08 1.90 2.69
IV 2.96 3.04 3.07 1.88 2.68
2010 I 2.93 3.01 3.01 1.94 2.67
II 2.95 3.03 3.03 1.96 2.68
III 2.92 3.01 2.98 2.07 2.68
IV 2.83 2.92 2.83 2.10 2.71
2011 I 2.79 2.87 2.76 2.16 2.70
II 2.79 2.85 2.77 2.23 2.71
III 2.78 2.83 2.76 2.29 2.71
IV 2.79 2.82 2.78 2.34 2.72
2012 I 2.76 2.78 2.77 2.29 2.66
II 2.77 2.77 2.80 2.32 2.63
III 2.78 2.78 2.77 2.33 2.98
IV 2.78 2.78 2.76 2.41 3.07
2013 I 2.75 2.74 2.73 2.37 3.18
II 2.77 2.74 2.76 2.43 3.16
III 2.76 2.74 2.76 2.39 3.13
IV 2.77 2.74 2.80 1.58 3.19
2014 I 2.74 2.71 2.79 - 3.18
II 2.71 2.71 2.81 - 2.36
III 2.78 2.75 2.83 - -
IV 2.84 2.75 2.84 - -
2015 I 2.81 2.71 2.83 - -
II 2.75 2.70 2.86 - -
III 2.76 2.69 2.89 - -
IV 2.75 2.68 2.92 - -
2016 I 2.75 2.69 2.91 - -
II 2.76 2.69 2.95 - -
III 2.57 2.63 2.49 - -
IV 2.53 2.58 2.48 - -
Observaes:
Bankpar: Credenciador do arranjo de pagamento American Express at o 2 trimestre de 2014. A partir do 3 trimestre de 2014, o credenciamen
Hipercard: Credenciador do arranjo de pagamento Hipercard at o 2 trimestre de 2014. A partir do 3 trimestre de 2014, o credenciamento do ar
Mdia da taxa de desconto ponderada pelo valor das transaes
Santander Banrisul Elavon Cetelem Panpar Banestes Bradesco
Cartes
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - 1.23 - - -
- - - 1.15 - - -
- - - 1.10 - - -
- - - 1.14 - 2.35 -
- - - 1.15 2.23 2.74 -
- - - 1.46 2.30 2.75 -
- - - 1.60 2.73 2.76 -
3.63 - - 1.56 2.12 2.76 -
3.55 - - 1.52 2.15 2.75 -
3.52 2.48 - 1.38 2.13 2.75 -
3.45 2.48 - 1.23 2.57 2.76 -
3.39 2.48 - 1.10 2.17 2.77 -
3.31 3.62 - 1.21 2.15 2.75 -
3.25 3.68 - 1.20 2.41 2.76 -
3.19 3.65 - 1.03 2.51 2.77 -
3.14 3.44 - 0.99 2.34 2.79 -
3.06 3.33 1.83 1.07 2.21 2.74 -
3.05 3.28 1.86 1.08 3.02 2.76 -
3.01 3.20 1.85 1.10 2.18 2.78 -
2.90 3.15 1.73 1.06 2.35 2.79 -
2.83 3.08 1.60 0.36 2.41 2.75 -
2.78 3.01 1.53 0.85 3.64 2.74 -
2.73 2.89 2.23 1.01 2.14 2.76 2.85
3.46 2.83 2.20 0.83 1.51 2.77 2.89
3.38 2.75 2.17 1.10 1.55 2.74 2.89
2.53 2.79 2.15 1.10 2.45 2.74 2.91
2.55 2.75 2.12 0.49 1.53 2.73 2.92
2.53 2.75 2.12 0.69 1.46 2.74 2.93
2.51 2.79 2.14 0.62 1.45 2.72 2.90
2.52 2.79 2.16 1.04 2.29 2.73 2.91
2.49 2.81 2.18 0.41 1.47 2.73 2.93
2.47 3.00 2.18 0.98 1.49 2.75 2.93
o 3 trimestre de 2014, o credenciamento do arranjo de pagamento American Express migrou para o Bradesco Cartes.
mestre de 2014, o credenciamento do arranjo de pagamento Hipercard migrou para a Rede.
Bancoob Pan BRB Bonsucesso
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - 3.27 -
- - 3.18 -
- - 2.89 -
- - 2.85 -
- - 2.79 -
- - 2.82 -
2.44 - 2.95 -
2.39 - 2.82 -
3.78 - 2.83 -
2.63 - 2.76 -
2.73 - 2.64 -
2.53 2.25 2.55 -
2.53 2.17 2.50 2.17
2.56 2.10 2.49 2.21
Cartes de Crdito - Taxa de Desconto Mdia - Parcela nica (%)
Ano Trimestre Mercado Cielo Rede Hipercard Bankpar
2008 I 2.62 2.67 2.71 1.28 2.65

II 2.63 2.68 2.72 1.33 2.64
III 2.63 2.67 2.72 1.36 2.64
IV 2.64 2.67 2.73 1.40 2.63
2009 I 2.61 2.67 2.72 1.33 2.61
II 2.69 2.66 2.96 1.31 2.60
III 2.68 2.68 2.87 1.37 2.61
IV 2.61 2.67 2.68 1.38 2.60
2010 I 2.59 2.65 2.66 1.38 2.60
II 2.60 2.65 2.66 1.43 2.60
III 2.58 2.64 2.61 1.50 2.61
IV 2.49 2.56 2.46 1.47 2.62
2011 I 2.48 2.56 2.42 1.57 2.62
II 2.46 2.52 2.41 1.62 2.63
III 2.45 2.50 2.40 1.65 2.63
IV 2.45 2.48 2.41 1.64 2.64
2012 I 2.44 2.46 2.41 1.64 2.61
II 2.43 2.43 2.43 1.67 2.56
III 2.46 2.45 2.41 1.69 3.10
IV 2.46 2.43 2.40 1.74 3.23
2013 I 2.45 2.42 2.40 1.73 3.23
II 2.45 2.41 2.41 1.79 3.18
III 2.44 2.41 2.41 1.74 3.17
IV 2.48 2.47 2.44 0.92 3.24
2014 I 2.45 2.40 2.46 0.08 3.26
II 2.43 2.40 2.48 0.05 2.78
III 2.47 2.44 2.50 - -
IV 2.52 2.43 2.51 - -
2015 I 2.51 2.41 2.52 - -
II 2.45 2.40 2.54 - -
III 2.47 2.41 2.55 - -
IV 2.46 2.41 2.55 - -
2016 I 2.46 2.43 2.54
II 2.46 2.43 2.57
III 2.28 2.36 2.13
IV 2.24 2.30 2.11
Observaes:
Bankpar: Credenciador do arranjo de pagamento American Express at o 2 trimestre de 2014. A partir do 3 trimestre de 2014, o credenciamento d
Hipercard: Credenciador do arranjo de pagamento Hipercard at o 2 trimestre de 2014. A partir do 3 trimestre de 2014, o credenciamento do arran
Mdia da taxa de desconto ponderada pelo valor das operaes
Santander Banrisul Elavon Cetelem Panpar Banestes Bradesco
Cartes
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - 0.68 - - -
- - - 0.59 - - -
- - - 0.54 - - -
- - - 0.56 - - -
- - - 0.56 2.23 2.57 -
- - - 1.08 2.30 2.59 -
- - - 1.05 2.73 2.59 -
3.19 - - 1.01 2.12 2.59 -
3.14 - - 1.07 2.15 2.58 -
3.11 2.48 - 1.16 2.13 2.58 -
3.05 2.48 - 1.15 2.57 2.58 -
3.01 2.48 - 1.19 2.17 2.59 -
2.94 3.17 - 1.36 2.15 2.58 -
2.88 3.19 - 1.39 2.41 2.57 -
2.83 3.17 - 1.38 2.51 2.58 -
2.79 2.98 - 1.39 2.34 2.58 -
2.71 2.89 2.37 1.46 2.21 2.57 -
2.68 2.81 2.29 1.41 3.02 2.56 -
2.64 2.73 2.27 1.41 2.18 2.57 -
2.56 2.69 2.24 1.40 2.35 2.56 -
2.51 2.65 2.14 0.66 2.41 2.55 -
2.47 2.58 2.05 1.12 3.64 2.55 -
2.45 2.54 1.95 1.06 2.14 2.55 2.79
3.18 2.50 1.93 1.13 1.51 2.56 2.83
3.17 2.48 1.92 0.99 1.55 2.54 2.84
2.26 2.47 1.89 0.99 2.45 2.53 2.85
2.29 2.45 1.85 0.68 1.53 2.53 2.86
2.28 2.45 1.85 0.65 1.46 2.53 2.87
2.25 2.50 1.85 0.53 1.45 2.52 2.83
2.24 2.48 1.85 0.59 2.29 2.52 2.83
2.22 2.51 1.88 0.69 1.47 2.53 2.85
2.21 2.64 1.90 0.72 1.49 2.54 2.86
trimestre de 2014, o credenciamento do arranjo de pagamento American Express migrou para o Bradesco Cartes.
re de 2014, o credenciamento do arranjo de pagamento Hipercard migrou para a Rede.
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- 3.18 -
- 3.08 -
- 2.63 -
- 2.64 -
- 2.70 -
- 2.71 -
2.27 2.77 -
2.20 2.62 -
4.31 2.63 -
2.32 2.52 -
2.46 2.34 -
2.27 2.25 -
2.25 2.23 2.10
2.28 2.24 2.15
Cartes de Dbito - Taxa de Desconto Mdia (%)
Ano Trimestre Mercado Cielo Rede TecBan
2008 I 1.59 1.60 1.57 0.87

II 1.58 1.60 1.56 1.00
III 1.58 1.59 1.57 1.29
IV 1.60 1.61 1.59 1.53
2009 I 1.60 1.62 1.56 1.56
II 1.57 1.56 1.58 1.61
III 1.57 1.57 1.58 1.62
IV 1.61 1.63 1.58 1.28
2010 I 1.60 1.64 1.56 1.10
II 1.58 1.60 1.56 1.10
III 1.57 1.59 1.55 1.02
IV 1.56 1.58 1.52 0.92
2011 I 1.57 1.60 1.51 0.99
II 1.55 1.56 1.51 0.95
III 1.57 1.59 1.52 0.58
IV 1.58 1.61 1.52 0.52
2012 I 1.59 1.62 1.52 0.53
II 1.56 1.57 1.51 0.71
III 1.58 1.61 1.50 0.74
IV 1.59 1.64 1.49 0.68
2013 I 1.58 1.64 1.48 0.69
II 1.56 1.59 1.48 0.71
III 1.57 1.61 1.47 0.68
IV 1.56 1.61 1.46 0.60
2014 I 1.56 1.63 1.45 -
II 1.53 1.57 1.43 -
III 1.55 1.62 1.43 -
IV 1.58 1.64 1.43 -
2015 I 1.59 1.66 1.42 -
II 1.54 1.63 1.41 -
III 1.51 1.58 1.40 -
IV 1.51 1.60 1.38 -
2016 I 1.54 1.64 1.36 -
II 1.51 1.58 1.34 -
III 1.52 1.60 1.33 -
IV 1.52 1.61 1.32 -
Branrisul: dados revisados no perodo 2010-2015
Santander Banrisul Elavon Banpar Banestes
- - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- 1.65 - 2.20 1.82
- 1.72 - 2.22 1.83
- 1.71 - 2.22 1.84
2.12 1.71 - 2.13 1.86
2.08 1.72 - 2.12 1.84
2.07 1.79 - 2.11 1.84
2.03 1.75 - 2.13 1.85
1.99 1.76 - 2.08 1.87
1.95 1.70 - 2.10 1.84
1.94 1.76 - 2.09 1.84
1.89 1.70 - 2.13 1.85
1.87 1.73 - 2.12 1.87
1.83 1.72 1.59 2.10 1.83
1.82 1.75 1.49 2.12 1.84
1.79 1.72 1.45 2.07 1.85
1.73 1.72 1.43 2.07 1.85
1.70 1.70 1.38 2.06 1.84
1.67 1.72 1.31 2.14 1.83
1.61 1.70 1.23 1.99 1.84
2.04 1.70 1.09 2.14 1.85
2.01 1.70 1.09 2.07 1.84
1.51 1.72 1.09 2.01 1.84
1.54 1.70 1.09 2.02 1.84
1.54 1.72 1.12 2.01 1.85
1.55 1.74 1.13 2.11 1.84
1.58 1.76 1.15 2.04 1.85
1.58 1.75 1.17 2.11 1.87
1.58 1.76 1.19 2.05 1.88
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - 1.89
- - 1.85
- - 1.97
- - 1.61
- - 1.60
- - 1.69
1.39 - 1.78
1.35 - 1.57
1.36 - 1.63
1.46 - 1.61
1.57 - 1.54
1.41 1.32 1.54
1.40 1.31 1.53
1.41 1.32 1.49
Carto de Crdito Tarifa de Intercmbio Mdia por Modalidade de Produto (%)
Ano/Trim Crdito
Mercado Corporativo Premium Intermedirio Bsico Outros
2008/1 1.36 1.82 1.81 1.32 1.34 1.49
2008/2 1.36 1.80 1.78 1.32 1.34 1.49
2008/3 1.37 1.87 1.84 1.45 1.41 1.55
2008/4 1.57 1.87 1.84 1.48 1.44 1.60
2009/1 1.57 1.86 1.84 1.46 1.41 1.60
2009/2 1.26 1.86 1.83 1.43 1.43 1.62
2009/3 1.36 1.86 1.84 1.40 1.43 1.64
2009/4 1.46 1.86 1.84 1.44 1.46 1.69
2010/1 1.57 1.86 1.83 1.43 1.43 1.69
2010/2 1.63 1.84 1.82 1.41 1.44 1.69
2010/3 1.25 1.40 1.84 1.41 1.50 1.65
2010/4 1.36 1.87 1.84 1.28 1.51 1.59
2011/1 1.59 1.86 1.82 1.24 1.50 1.60
2011/2 1.34 1.86 1.80 1.19 1.49 1.62
2011/3 1.37 1.84 1.79 1.13 1.49 1.61
2011/4 1.57 1.82 1.78 1.15 1.49 1.57
2012/1 1.56 1.82 1.78 1.14 1.48 1.54
2012/2 1.55 1.81 1.78 1.13 1.48 1.54
2012/3 1.36 1.80 1.78 1.12 1.48 1.55
2012/4 1.38 1.80 1.78 1.17 1.49 1.55
2013/1 1.60 2.06 2.02 1.32 1.52 1.70
2013/2 1.35 2.03 2.00 1.44 1.53 1.70
2013/3 1.37 1.95 1.93 1.70 1.52 1.60
2013/4 1.38 2.01 1.98 1.75 1.56 1.70
2014/1 1.47 2.03 1.99 1.61 1.53 1.66
2014/2 1.48 2.05 2.01 1.68 1.54 1.68
2014/3 1.60 2.06 2.03 1.79 1.55 1.70
2014/4 1.58 2.04 2.01 1.77 1.56 1.70
2015/1 1.58 1.98 1.95 1.70 1.53 1.63
2015/2 1.36 2.01 1.97 1.71 1.53 1.66
2015/3 1.38 2.05 2.00 1.72 1.54 1.68
2015/4 1.37 2.11 2.10 1.79 1.57 1.75
2016/1 1.37 2.01 2.00 1.69 1.52 1.67
2016/2 1.36 2.02 2.00 1.69 1.53 1.68
2016/3 1.37 1.97 1.94 1.63 1.52 1.68
2016/4 1.54 1.96 1.94 1.63 1.54 1.71
Dbito
Mercado
0.79
0.79
0.79
0.80
0.79
0.78
0.78
0.79
0.76
0.75
0.75
0.75
0.74
0.73
0.73
0.72
0.72
0.72
0.72
0.73
0.78
0.76
0.76
0.78
0.77
0.78
0.79
0.80
0.80
0.78
0.79
0.82
0.80
0.80
0.79
0.81
Relao entre Tarifa de Intercmbio e Taxa de Desconto (%)
Ano Trimestre C. Crdito C. Dbito

2008 I 43.13 49.61
II 42.26 49.91
III 44.88 49.85
IV 45.69 49.78
2009 I 45.93 49.29
II 45.98 49.81
III 45.56 49.81
IV 46.20 49.13
2010 I 46.50 47.05
II 46.05 47.22
III 46.78 47.79
IV 48.42 48.06
2011 I 48.97 47.30
II 48.83 47.16
III 49.04 46.32
IV 49.07 45.56
2012 I 49.18 45.24
II 49.28 45.78
III 49.31 45.60
IV 49.68 45.80
2013 I 53.41 48.88
II 53.45 48.69
III 53.02 48.27
IV 56.53 49.82
2014 I 55.98 49.22
II 57.29 50.97
III 57.48 50.72
IV 56.39 50.58
2015 I 55.25 50.02
II 56.93 50.86
III 57.25 52.35
IV 59.30 53.71
2016 I 57.03 51.93
II 57.28 52.90
III 61.08 52.21
IV 62.80 53.45
Valor Mdio da Tarifa de Anuidade (R$)
Ano Trimestre Visa MasterCard American Express Diners Club
2008 I 67.98 69.14 93.66 161.46

II 66.63 62.59 84.76 149.38
III 66.74 56.85 90.28 141.65
IV 66.46 56.95 88.94 163.61
2009 I 77.34 80.97 88.95 161.52
II 76.10 80.07 83.88 137.98
III 75.88 77.56 89.49 149.02
IV 76.46 71.98 80.70 161.02
2010 I 76.24 71.81 87.82 157.74
II 75.97 74.30 87.96 147.95
III 77.27 74.08 87.06 169.70
IV 83.52 74.79 85.69 186.13
2011 I 84.39 75.14 86.24 182.25
II 88.77 63.50 92.29 179.88
III 94.88 79.75 98.38 186.11
IV 93.45 88.33 107.26 191.17
2012 I 89.46 85.25 47.66 192.78
II 83.29 77.87 53.31 195.16
III 81.71 73.95 56.38 188.52
IV 83.45 79.66 58.22 214.52
2013 I 81.71 79.71 57.37 241.89
II 87.21 82.14 57.96 213.14
III 90.84 82.31 99.93 116.42
IV 86.14 83.91 100.60 129.41
2014 I 92.30 91.83 93.13 125.78
II 94.38 95.25 93.30 132.02
III 93.16 86.91 93.56 139.06
IV 96.81 92.28 95.49 151.26
2015 I 122.17 133.45 87.08 157.05
II 123.18 133.50 89.01 166.26
III 116.56 133.39 88.65 168.72
IV 113.31 134.69 82.07 166.68
2016 I 116.02 127.65 81.16 159.25
II 117.35 132.25 81.64 157.75
III 118.31 132.47 81.82 154.96
IV 116.09 142.82 60.76 154.17
Fonte: Emissores
Observao: valores deflacionados pelo IPCA.
Elo Hipercard
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
47.36 -
45.83 -
46.60 -
115.44 -
57.85 -
46.87 -
40.67 -
47.42 -
51.39 -
53.24 -
58.08 147.64
46.96 143.94
49.29 142.90
55.77 144.03
65.46 141.28
66.54 135.56
64.65 131.99
66.59 128.60
71.50 121.69
67.94 143.65
63.76 141.36
58.52 140.46
46.61 138.25
Valor Mdio da Tarifa de Anuidade - Visa - Principais Produtos (R$)
Ano Trimestre Classic Nacional Classic Internacional Empresarial Gold
2008 I 56.29 55.91 90.07 135.24

II 58.36 52.59 63.33 137.28
III 55.41 55.69 77.27 131.26
IV 53.89 55.71 79.44 131.66
2009 I 59.50 80.39 81.14 136.12
II 60.29 77.49 71.38 133.85
III 62.58 76.30 71.98 124.10
IV 63.77 75.65 86.57 130.72
2010 I 62.47 75.42 69.27 134.24
II 62.58 74.20 65.75 132.69
III 63.47 73.55 66.70 135.70
IV 61.01 73.54 88.90 148.28
2011 I 62.65 70.91 86.45 148.53
II 65.36 73.69 98.31 156.22
III 71.13 77.01 92.28 164.55
IV 65.16 76.93 97.05 162.53
2012 I 67.26 66.80 89.57 139.16
II 62.45 64.70 85.68 131.72
III 59.67 63.15 82.93 133.42
IV 61.44 64.82 84.72 131.71
2013 I 60.28 63.40 82.94 127.71
II 65.08 62.42 96.66 138.56
III 70.26 65.61 103.27 134.24
IV 61.15 67.17 103.26 130.77
2014 I 64.55 76.47 100.36 138.96
II 61.19 78.88 102.15 147.20
III 60.36 73.70 98.63 134.23
IV 60.28 80.81 95.91 143.27
2015 I 60.06 95.04 100.07 189.22
II 62.24 92.50 101.16 193.09
III 53.64 94.22 96.18 193.06
IV 51.07 89.57 94.79 188.94
2016 I 52.17 91.57 92.92 189.13
II 54.22 88.52 94.10 198.17
III 51.69 94.02 98.52 204.33
IV 47.72 96.22 104.58 207.06
Fonte: Emissores
Platinum
182.21
146.62
194.13
182.14
191.39
188.42
196.20
159.19
174.24
179.66
176.62
197.57
192.45
178.12
191.97
196.79
173.76
158.79
155.13
151.41
148.60
158.66
161.43
156.69
181.80
191.06
180.95
182.42
301.33
296.16
294.50
282.79
301.18
300.06
274.60
267.42
Valor Mdio da Tarifa de Anuidade - MasterCard - Principais Produtos (R$)
Ano Trimestre Compras Standard Nacional Standard Internacional
2008 I 11.69 54.92 75.71

II 21.19 53.89 58.45
III 44.00 47.55 55.55
IV 65.76 46.47 55.43
2009 I 12.74 63.38 93.03
II 22.03 63.27 91.25
III 57.86 61.64 89.56
IV 66.53 51.77 87.03
2010 I 12.67 47.58 78.77
II 22.79 48.03 82.83
III 55.95 46.29 83.43
IV 0.21 46.31 80.34
2011 I 0.30 47.21 76.85
II 8.11 37.93 77.07
III 8.29 46.85 84.48
IV 7.54 58.00 89.74
2012 I 15.38 60.64 86.67
II 15.31 57.86 83.50
III 14.98 56.78 83.02
IV 14.68 61.52 86.67
2013 I 16.61 63.79 87.56
II 17.56 65.06 88.92
III 17.27 68.08 85.15
IV 17.06 68.18 85.20
2014 I 19.66 72.08 88.03
II 19.84 71.71 88.04
III 19.15 65.96 81.45
IV 19.32 67.38 87.82
2015 I 21.27 73.68 115.77
II 21.64 74.91 113.71
III 21.67 72.55 111.22
IV 20.55 70.72 110.16
2016 I 25.56 64.21 119.64
II 28.83 64.75 120.50
III 31.24 64.68 122.88
IV 28.65 69.06 130.53
Fonte: Emissores
Gold Platinum
146.61 99.97
146.84 119.86
144.35 105.05
145.80 105.69
153.98 121.69
155.83 120.98
146.89 112.01
146.32 126.03
143.57 127.84
148.70 142.56
149.22 133.31
152.53 139.97
152.37 136.72
155.92 137.88
169.71 185.55
171.12 212.56
121.39 184.22
115.98 126.75
106.50 114.73
108.88 148.72
107.89 124.17
112.25 120.66
109.35 121.01
108.77 137.10
155.94 156.66
161.02 191.75
111.02 175.36
117.22 201.98
238.79 308.92
237.91 286.83
227.04 311.22
235.07 311.84
200.65 305.85
208.95 315.73
232.91 268.81
256.67 261.74
Quantidade de Estabelecimentos Ativos por Credenciador - Crdito
Ano Cielo Rede Bradesco Cartes Santander Banrisul
2008 1,026,610 863,250 - - -

2009 1,168,941 945,779 - - -
2010 1,217,086 1,116,138 - 55,542 2,434
2011 1,259,888 1,031,255 - 131,942 67,413
2012 1,382,345 1,077,527 - 259,621 74,846
2013 1,535,179 1,141,780 - 293,686 86,837
2014 1,757,250 1,329,771 1,040,079 309,955 97,991
2015 1,889,557 1,369,775 1,121,894 323,926 92,481
2016 1,818,721 1,022,044 1,000,363 416,071 98,381
Observaes:
Elavon Banestes Banpar Cetelem Bancoob Bankpar
-
- - - 21,764 - 160,867
- - - 21,162 - 161,391
- 15,784 728 397 - 355,833
- 16,608 764 377 - 607,106
- 17,064 804 354 - 754,627
13,590 18,172 693 352 - 985,413
20,011 17,030 657 354 - -
37,701 15,897 436 355 15,103 -
56,554 16,634 479 253 133,759 -
3 trimestre de 2014, o credenciamento do arranjo de pagamento American Express migrou para o Bradesco Cartes.
estre de 2014, o credenciamento do arranjo de pagamento Hipercard migrou para a Rede.
Hipercard BRB Pan Boncucesso
207,221 - - -
222,078 - - -
260,435 - - -
334,567 - - -
438,944 - - -
230,848 - - -
- - - -
- - - -
- 22,170 26,909 16
Quantidade de Estabelecimentos Ativos por Credenciador - Dbito
Ano Cielo Rede Santander Banrisul Elavon Banestes
2008 994,817 838,581 - - - -

2009 1,136,085 918,406 - - - -
2010 1,188,242 1,116,138 53,340 2,434 - 15,931
2011 1,220,713 1,031,255 130,079 67,413 - 16,817
2012 1,333,020 1,077,527 256,433 74,846 - 17,164
2013 1,473,455 1,141,780 293,375 86,837 13,590 18,322
2014 1,693,111 1,329,771 308,231 97,991 20,011 17,124
2015 1,767,195 1,369,775 323,653 107,077 37,701 16,076
2016 2,244,970 1,006,607 401,929 93,870 56,554 17,071
Observaes:
TecBan: Encerrou a atividade de credenciamento de estabelecimentos a partir de 2014.
Banpar Bancoob TecBan BRB Pan
- - 14,870 - -
- - 6,882 - -
628 - 5,754 - -
668 - 4,269 - -
676 - 2,555 - -
587 - 1,302 962 -
620 - - 3,717 -
642 20,803 - 6,583 -
699 133,759 - 20,465 26,909
Quantidade de Terminais por Credenciador
Ano Cielo Rede Santander Banpar Banestes Cetelem
2008 1,405,767 916,089 - - - 47,046

2009 1,416,280 1,038,634 - - - 10,644
2010 1,302,599 1,118,445 86,467 - 19,355 8,886
2011 1,515,134 1,052,434 224,242 975 18,319 13,083
2012 1,757,035 1,223,117 491,394 1,079 18,985 6,154
2013 1,864,166 1,429,798 459,532 901 19,809 4,597
2014 2,073,511 1,743,940 447,019 983 14,171 4,597
2015 2,145,998 1,654,245 484,690 994 11,198 n.a.
2016 2,070,252 1,315,858 535,013 932 9,261 4,597
Observaes:
TecBan: Encerrou a atividade de credenciamento de estabelecimentos a partir de 2014.
Somente terminais POS, independenemente da tecnologia de conexo, em operao no ltimo trimestre de cada ano. No considera soluo PDV (T
Banrisul Elavon Bancoob Bankpar Hipercard TecBan BRB
- - - 152,870 296,390 13,851 -

- - - 182,159 334,594 9,791 -
2,838 - - 148,454 318,999 7,742 -
13,863 - - 88,463 183,121 6,115 -
87,013 - - - 1,229 4,709 -
95,840 16,848 - - 246 3,992 4,897
115,507 35,475 - - - - 9,354
133,644 53,233 54,443 - - - 26,329
159,361 61,372 169,092 - - - 62,122
mestre de 2014, o credenciamento do arranjo de pagamento American Express migrou para o Bradesco Cartes tendo a Cielo como prestador de servios de rede.
e 2014, o credenciamento do arranjo de pagamento Hipercard migrou para a Rede.
no. No considera soluo PDV (TEF).

Pan
-
-
-
-
-
-
-
-
35,835
dor de servios de rede.
-
Distribuio de POS e PDV por Unidade da Federao
POS - Quantidade
2008 2009 2010 2011 2012 2013 2014
Acre 6,021 6,368 6,247 6,858 7,929 8,975 10,406

Alagoas 28,129 31,005 32,974 32,104 30,531 34,219 38,515
Amap 6,533 6,795 6,655 6,902 7,923 8,964 10,288
Amazonas 30,084 31,950 31,718 30,188 32,168 36,012 42,610
Bahia 174,213 182,569 183,748 181,881 181,907 196,218 220,336
Cear 75,691 81,652 81,101 81,705 82,815 93,503 106,508
Distrito Federal 64,844 66,627 65,795 66,816 75,269 82,273 93,028
Esprito Santo 51,489 52,375 68,153 68,857 77,057 85,269 91,270
Gois 55,994 59,375 61,861 69,775 88,554 106,317 115,479
Maranho 31,976 33,210 33,814 33,248 35,102 40,775 48,254
Mato Grosso 39,104 41,299 41,151 47,309 55,884 62,034 71,982
Mato Grosso do Sul 24,910 27,735 30,103 33,522 40,151 44,997 52,344
Minas Gerais 242,506 266,617 270,724 286,166 338,722 371,328 421,160
Par 42,237 44,467 45,284 49,557 56,683 62,481 72,337
Paraba 35,260 38,075 38,182 37,841 30,265 30,126 33,790
Paran 187,035 201,665 199,182 204,009 228,110 255,337 292,015
Pernambuco 96,381 105,575 110,356 108,900 105,129 112,890 128,161
Piau 11,444 13,339 14,221 15,505 16,744 19,679 24,336
Rio de Janeiro 330,371 336,568 335,645 348,660 404,490 430,359 488,473
Rio Grande do Norte 31,145 33,774 32,706 30,774 28,246 29,539 34,043
Rio Grande do Sul 167,045 177,092 172,697 185,948 256,429 268,260 304,748
Rondnia 14,850 16,262 15,284 14,355 13,218 13,010 29,170
Roraima 5,710 5,886 5,784 5,703 6,323 6,808 7,897
Santa Catarina 98,728 106,980 102,612 105,655 123,569 138,729 159,067
So Paulo 957,487 999,110 1,000,655 1,034,467 1,236,733 1,321,827 1,495,944
Sergipe 12,391 14,476 15,937 16,728 16,117 18,906 22,808
Tocantins 10,303 11,159 11,067 12,159 14,511 16,549 19,289
PDV - Quantidade
2015 2016 2008 2009 2010 2011
11,098 10,517 Acre 218 278 394 371

37,463 32,501 Alagoas 5,559 7,105 7,426 7,662
10,866 10,125 Amap 372 359 356 297
43,878 40,937 Amazonas 1,856 2,274 2,279 2,086
222,300 203,662 Bahia 12,429 16,578 16,848 15,679
108,196 102,254 Cear 6,046 6,897 6,578 6,588
102,883 100,957 Distrito Federal 14,374 16,644 14,893 13,201
95,918 93,290 Esprito Santo 4,454 5,432 5,902 5,765
125,721 125,621 Gois 26,108 34,908 37,074 37,590
50,716 46,865 Maranho 5,427 6,337 6,519 6,498
78,773 79,955 Mato Grosso 2,385 3,079 3,267 3,303
55,844 56,288 Mato Grosso do Sul 6,022 7,755 8,499 8,718
436,387 433,575 Minas Gerais 20,793 25,479 22,656 21,709
73,925 69,447 Par 6,926 7,893 7,821 7,769
32,989 29,242 Paraba 6,985 8,485 7,824 9,552
299,571 295,539 Paran 11,858 14,990 15,727 17,152
130,565 113,901 Pernambuco 19,910 24,307 24,815 26,656
26,464 24,275 Piau 6,019 7,197 6,805 6,325
493,041 474,160 Rio de Janeiro 26,767 30,024 25,828 24,698
35,157 30,708 Rio Grande do Norte 8,810 10,764 11,518 12,092
320,469 326,078 Rio Grande do Sul 23,945 30,188 31,434 30,375
32,204 33,666 Rondnia 996 1,100 1,158 979
8,167 7,540 Roraima 117 141 151 156
165,805 168,821 Santa Catarina 18,699 22,859 22,280 22,597
1,518,737 1,468,523 So Paulo 102,128 117,400 110,809 105,787
26,542 23,815 Sergipe 5,096 5,979 5,740 5,625
21,095 21,433 Tocantins 720 1,103 1,120 824
2012 2013 2014 2015 2016
449 550 549 1,080 935

8,320 8,325 8,435 8,096 7,401
366 424 540 902 927
2,446 2,708 3,174 4,800 4,342
19,262 22,450 34,275 34,184 36,280
8,201 8,202 9,734 12,949 12,684
13,303 12,564 12,572 12,289 11,797
7,697 9,688 13,462 19,146 21,452
42,056 47,040 44,255 32,542 30,857
7,356 7,047 7,078 6,953 6,762
4,082 4,406 5,294 9,155 10,026
9,171 10,075 9,971 9,780 9,465
27,644 27,774 31,949 41,894 43,563
8,550 9,755 10,418 12,242 11,759
14,696 18,011 20,665 17,049 16,217
24,393 24,191 26,589 26,552 31,001
31,554 33,172 34,584 28,014 28,631
6,629 6,229 6,088 5,060 4,558
30,369 30,501 34,027 48,389 48,289
15,061 15,966 17,031 13,975 14,007
53,850 50,848 53,228 45,899 56,042
1,031 1,072 1,611 3,074 3,062
203 227 307 613 774
26,757 26,396 27,494 22,917 28,357
135,039 171,829 180,324 197,890 211,457
6,299 5,787 5,878 4,981 4,972
1,065 1,203 1,450 2,078 2,081
Gastos com Programas de Recompensas pelos Emissores de Cartes em 2016
2016/1 2016/2 2016/3

Estoque de Pontos no final do trimestre (Milhes) 244,318 238,007 131,560
Pontos Adquiridos no trimestre (Milhes) 39,280 41,782 47,505
Pontos Convertidos no trimestre(Milhes) 31,126 31,920 76,935
Pontos Expirados no trimestre (Milhes) 11,920 14,168 12,360
Receita com Tarifas dos Portadores (R$ Milhes) 2,214 2,242 2,339
Gastos com Recompensas (R$ Milhes) 834 744 974
2015/1 2015/2 2015/3

2014/1 2014/2 2014/3

2013/1 2013/2 2013/3

2012/1 2012/2 2012/3

2011/1 2011/2 2011/3

Dados revisados pelos emissores
2010/1 2010/2 2010/3

Receita com Tarifas dos Portadores (R$ Milhes) 999 1,051 1,026
Fonte: Emissores
Observao: Dados de 2015 revisados
2016/4
137,637
51,157
34,569
12,005
2,402
1,108
2015/4
253,929
41,986
36,728
13,284
2,255
804
2014/4
304,154
60,839
38,200
13,961
2,071
743
2013/4
281,465
56,522
35,700
11,019
1,897
771
2012/4
254,754
48,582
31,652
9,380
1,705
649
2011/4
244,827
48,223
27,333
5,360
1,382
531
2010/4
179,336
37,496
17,019
9,785
1,053
380
Uso dos Instrumentos de Pagamento no Pas
Quantidade de Transaes (milhes) 1
Carto de Carto de Carto pr- Dbito Transferncia

Ano Cheque
Dbito Crdito pago2 Direto de Crdito
2008 1,373 2,136 2,546 - 0.6 1,718

2009 1,233 2,445 2,808 - 0.5 1,848
2010 1,109 2,948 3,314 - 0.1 2,058
2011 999 3,508 3,836 - - 2,213
2012 903 4,129 4,473 - - 2,454
2013 826 4,908 5,020 - - 2,680
2014 743 5,627 5,367 - - 2,852
2015 656 6,467 5,559 - - 2,936
2016 563 6,837 5,858 4.0 - 3,054
Fonte: Banco Central do Brasil e bancos

1
Transferncia de crdito, dbito direto e cheques com liquidao interbancria.
2
No inclui cartes pr-pagos emitidos por instituies de pagamento.
Quantidade de Transaes (milhes) 1
Carto de Carto de Carto pr- Dbito

Ano Cheque
Dbito Crdito pago2 Direto 3
2008 1,963 2,136 2,546 - 569

2009 1,803 2,445 2,808 - 4,263
2010 1,675 2,948 3,314 - 3,584
2011 1,590 3,508 3,836 - 4,135
2012 1,439 4,129 4,473 - 4,358
2013 1,297 4,908 5,020 - 4,953
2014 1,165 5,627 5,367 - 5,557
2015 1,018 6,467 5,559 - 5,427
2016 879 6,837 5,858 4.0 5,336

1
Inclusive transferncia de crdito, dbito direto e cheques sem liquidao interbancria.
2
3
A partir de 2009 inclui as operaes em que as instituies financeiras so as beneficirias dos pagamentos.
Observao: Transferncia de Crdito: dados de 2015 retificados
Transferncia
de Crdito
6,651
7,158
7,717
8,443
9,074
9,588
9,561
10,084
10,214
Uso dos Instrumentos de Pagamento no Pais
Valor das Transaes (R$ bilhes) 1
Carto de Carto de Carto pr- Dbito Transferncia

Ano Cheque
Dbito2 Crdito3 pago2 Direto de Crdito
2008 1,147 107 220 - 0.2 5,763

2009 1,090 128 263 - 0.1 5,678
2010 1,112 158 332 - 0.0 7,116
2011 1,129 199 401 - 0.0 8,834
2012 1,140 237 465 - 0.0 11,139
2013 1,191 293 534 - 0.0 13,178
2014 1,171 348 594 - 0.0 13,462
2015 1,100 390 653 - 0.0 14,628
2016 977 430 674 1.0 0.0 14,728

1
Transferncia de crdito, dbito direto e cheques com liquidao interbancria.
2
Valor das Transaes (R$ bilhes) 1
Carto de Carto de Carto pr- Dbito

Ano Cheque
Dbito Crdito pago2 Direto 3
2008 2,554 107 220 - 133

2009 2,502 128 263 - 1,921
2010 2,691 159 332 - 2,064
2011 2,786 196 401 - 2,470
2012 2,891 237 465 - 3,802
2013 2,917 293 534 - 5,570
2014 2,801 348 594 - 5,026
2015 2,579 390 653 - 4,313
2016 2,259 430 674 1.0 6,516

1
Inclusive transferncia de crdito, dbito direto e cheques sem liquidao interbancria.
2
3
A partir de 2009 inclui as operaes em que as instituies financeiras so as beneficirias dos pagamentos.
Observaes:
Cheque e Transferncia de Crdito: dados de 2015 revisados
Dbito Direto: Variao em 2015 relacionada a operaes financeiras entre clientes e instituies financeiras
Transferncia
de Crdito
15,872
15,328
17,223
20,150
25,189
30,235
32,139
34,138
34,770
agamentos.
es financeiras
Rede de Terminais ATM por Tipo de Acesso e de Localizao
Quantidade 1
Ano Agncias e Postos de Atendimento Ante-salas de auto-atendimento

Restrito Aberto Restrito Aberto
2008 8,244 17,803 70,386 27,328

2009 7,838 15,995 72,068 31,811
2010 10,065 20,230 76,415 30,149
2011 8,927 12,630 75,799 37,196
2012 17,011 11,501 51,601 36,734
2013 16,509 10,950 54,345 41,510
2014 17,282 10,751 54,242 44,063
2015 18,136 6,253 58,711 45,301
2016 17,999 6,070 58,496 39,595
Fonte: Bancos e TecBan

1
Em final de perodo.
Observaes:
Acesso aberto: terminais de auto-atendimento que permitem que o portador de um carto que no tenha sido emitido pela instituio ou pelo conglo
Acesso restrito: terminais de auto-atendimento que s permitem a utilizao dos cartes emitidos pela instituio ou pelo conglomerado proprietrio
2010, dados revisados
Posto de Atendimento Eletrnico (PAE)
Restrito Aberto
11,190 24,338
9,575 28,312
12,963 23,879
13,751 25,561
31,681 26,611
30,902 28,322
28,986 29,122
26,065 27,912
26,830 26,957
sido emitido pela instituio ou pelo conglomerado proprietrio da rede realize nele algum tipo de transao.
stituio ou pelo conglomerado proprietrio da rede.
Distribuio dos Terminais ATM por Unidade da Federao
Quantidade
UF 2008 2009 2010 2011 2012 2013 2014
Acre 366 429 458 468 492 522 546

Alagoas 1,268 1,305 1,487 1,461 1,560 1,677 1,772
Amap 352 400 443 448 487 513 519
Amazonas 1,557 1,775 2,006 2,094 2,190 2,327 2,386
Bahia 7,391 7,618 7,964 7,971 8,383 8,783 9,125
Cear 3,315 3,451 3,640 3,813 4,007 4,250 4,429
Distrito Federal 3,681 3,797 4,178 4,041 4,238 4,373 4,414
Esprito Santo 2,865 2,933 3,072 3,137 3,276 3,141 3,076
Gois 4,356 4,630 4,869 5,128 5,488 5,822 5,971
Maranho 1,989 2,133 2,280 2,348 2,485 2,618 2,686
Mato Grosso 2,018 2,348 2,484 2,473 2,254 2,812 2,877
Mato Grosso do Sul 1,901 2,086 2,213 2,313 2,248 2,554 2,679
Minas Gerais 15,846 16,483 17,235 17,240 17,280 17,546 17,689
Par 2,715 3,007 3,173 3,376 3,613 3,963 4,282
Paraba 1,811 1,964 2,021 2,054 2,076 2,131 2,187
Paran 9,808 10,340 10,845 11,084 10,602 11,565 11,560
Pernambuco 4,406 4,547 4,903 5,186 5,408 5,561 5,600
Piau 1,124 1,220 1,346 1,360 1,466 1,583 1,605
Rio de Janeiro 16,933 18,143 19,110 19,549 20,337 20,159 20,045
Rio Grande do Norte 1,714 1,790 1,904 1,956 2,005 2,124 2,147
Rio Grande do Sul 11,945 11,916 12,557 12,574 11,791 13,558 13,753
Rondnia 794 892 950 969 1,030 1,075 1,147
Roraima 238 269 314 354 355 376 402
Santa Catarina 5,582 5,934 6,132 6,096 6,129 6,504 6,638
So Paulo 53,255 53,988 55,820 53,982 53,487 54,383 54,275
Sergipe 1,206 1,298 1,330 1,413 1,474 1,565 1,574
Tocantins 853 903 967 976 978 1,053 1,062
Total: 159,289 165,599 173,701 173,864 175,139 182,538 184,446
Fonte: Bancos
Observao: 2010, dados revisados
2015 2016
534 504
1,753 1,723
528 492
2,308 2,225
9,126 9,198
4,612 4,658
4,208 4,077
3,067 3,323
6,031 5,826
2,763 2,788
2,942 2,441
2,660 2,382
17,790 17,469
4,463 4,433
2,113 2,048
11,373 10,177
5,588 5,390
1,595 1,570
19,270 18,634
2,049 1,992
13,584 11,877
1,165 1,116
385 373
6,468 6,145
53,292 52,347
1,619 1,696
1,092 1,043
182,378 175,947
Transaes em Rede de Terminais ATM por Tipo de Acesso e Funo
Quantidade (milhes)
2008 2009 2010 2011 2012
Acesso Aberto
Total 3,249 3,291 3,415 3,930 4,177
Consultas de saldo e extrato 1,172 1,207 1,236 1,456 1,609
Saque de numerrio 1,194 1,245 1,339 1,497 1,536
Outras funes 421 393 389 466 483
Boleto de Pagamento e Convnios 190 176 197 231 251
Depsito 233 222 203 216 226
Transferncia de crdito 39 49 51 64 70
Acesso Restrito 1
Total 4,758 4,821 5,130 5,332 5,926
Outras funes 424 407 409 398 589
Depsito 561 546 559 559 543
Acessos Aberto e Restrito

Total 8,007 8,112 8,545 9,262 10,102
Outras funes 845 799 798 863 1,073
Depsito 793 768 762 774 770

1
Inclui as transaes em que a instituio no discriminou o tipo de acesso.
2013 2014 2015 2016
4,479 4,649 4,961 4,872

1,607 1,607 1,854 1,851
1,696 1,812 1,850 1,844
516 569 550 523
303 303 344 305
255 261 265 258
102 97 98 91
6,147 6,304 6,016 5,296

2,514 2,698 2,415 2,041
1,690 1,717 1,779 1,598
723 667 672 598
504 542 527 464
604 541 471 457
113 139 153 138
10,627 10,953 10,977 10,168

4,121 4,305 4,269 3,892
3,385 3,529 3,628 3,442
1,240 1,236 1,222 1,121
807 845 871 769
859 802 736 715
215 237 250 228
Transaes em Rede de ATM em Terminais de Acesso Aberto
Quantidade (mil)
2008 2009 2010 2011
No compartilhadas 1
Total 2,920,175 2,874,895 2,798,028 3,138,606
Consultas de saldo e extrato 1,067,438 1,063,290 1,027,466 1,168,692
Saque de numerrio 977,535 975,669 935,960 999,722
Outras funes 420,413 391,823 387,011 463,796
Boleto de Pagamento e Convnios 184,904 173,991 194,540 228,262
Depsito 231,239 220,887 202,532 214,871
Transferncia de crdito 38,647 49,235 50,519 63,264
Compartilhadas 2
Total 329,190 416,420 617,015 791,141
Saque de numerrio 216,588 269,133 403,516 497,220
Consultas de saldo e extrato 104,889 143,400 208,253 287,238
Boleto de Pagamento e Convnios 4,917 2,079 2,315 2,883
Transferncia de crdito 318 49 567 882
Outras funes 927 949 1,563 1,994
Depsito 1,552 810 800 924
Fonte: Bancos
1
Transaes realizadas por intermdio de cartes emitidos por instituies ou conglomerado proprietrio da rede.
2
Transaes realizadas por intermdio de cartes emitidos por instituies ou conglomerado no proprietrio da rede.
2012 2013 2014 2015 2016
3,309,381 3,447,607 3,396,716 3,587,618 3,263,066

1,282,504 1,209,831 1,118,148 1,319,998 1,211,770
1,002,894 1,071,155 1,061,910 1,024,369 891,985
480,992 513,807 566,122 547,124 519,252
248,423 298,272 295,678 338,022 297,548
225,471 254,066 259,981 264,152 256,983
69,097 100,476 94,876 93,952 85,527
867,163 1,031,787 1,252,203 1,373,355 1,608,589

533,485 624,445 749,916 825,181 959,029
326,885 396,895 488,664 533,579 632,581
2,512 5,112 7,194 6,445 7,456
1,051 1,584 2,485 3,834 5,004
2,242 2,680 2,888 3,319 3,762
987 1,070 1,056 996 757
Rede de Terminais ATM
Valor das Transaes (R$ bilhes)
2008 2009 2010 2011 2012 2013
Total 1,463 1,523 1,726 1,868 2,108 2,217

Saque de numerrio 571 640 739 846 951 1,072
Depsito 681 669 731 721 747 655
Transferncia de crdito 79 96 115 142 165 194
Boleto de Pagamento e Convnios 99 104 123 141 225 276
Outras (financeiras) 135 27 29 29 30 32

Dados revisados.
2014 2015 2016
2,111 2,458 2,531

1,180 1,303 1,310
443 593 569
219 269 266
248 269 266
32 117 120
Transaes por Acesso Remoto 1
Quantidade (milhes)
2008 2009 2010 2011 2012
Total 7,300 8,342 10,571 12,797 15,558

Transferncia de crdito 2 602 682 889 1,078 1,254
Boleto de Pagamento e Convnios 3 658 780 893 1,008 1,512
Consultas de Saldo e Extrato 2,589 3,338 3,836 5,384 6,926
Outras 3,452 3,542 4,953 5,327 5,866
Financeiras 737 686 928 1,020 1,061
No-financeiras 2,715 2,856 4,026 4,306 4,805
Fonte: Bancos
1
Internet, Home e Office Banking.
2
TED, Doc e transferncias entre contas.
3
Ttulos, impostos, taxas, contribuies, contas de gua, luz, telefone etc.
Observaes:
Transaes intra e interbancrias.
Outras-financeiras: dados revisados no perodo 2009-2015
Consultas de saldo e extrato: dados de 2015 revisados
Boleto de Pagamento e Convnios: dados de 2009 revisados
2013 2014 2015 2016
17,740 19,466 19,726 20,275

1,373 1,459 1,506 1,495
1,790 2,148 2,065 2,040
7,436 7,902 7,732 8,102
7,141 7,957 8,423 8,638
1,101 1,126 1,186 1,350
6,040 6,831 7,237 7,288
Transaes por Acesso Remoto 1
Valor (R$ bilhes)
2008 2009 2010 2011 2012

Total 6,220 7,747 9,865 11,463 17,705
Transferncia de crdito 2
3,429 3,971 4,927 5,876 9,997
Boleto de Pagamento e Convnios 3 1,084 1,241 1,416 1,627 3,038
Outras financeiras 1,706 2,535 3,522 3,960 4,670
Fonte: Bancos
1
Internet, Home e Office Banking.
2
TED, Doc e transferncias entre contas.
3
Ttulos, impostos, taxas, contribuies, contas de gua, luz, telefone etc.
Observaes:
Transaes intra e interbancrias.
Outras financeiras: dados revisados no perodo 2009-2015
Boleto de Pagamento e Convnios: dados de 2009 revisados
Transferncia de crdito: dados de 2015 revisados
2013 2014 2015 2016
19,649 27,217 21,726 21,444
12,021 14,380 14,852 14,015
3,584 3,893 4,107 4,277
4,044 8,944 2,766 3,152
Transaes por Canais de Acesso
Quantidade (milhes)
Canal de Acesso 2008 2009 2010 2011
Total 25,133 27,146 31,104 35,475

Acesso remoto (Internet, Home e Office Banking) 7,300 8,342 10,571 12,797
ATM 8,007 8,113 8,545 9,262
Telefone celular e PDA (Wireless) 65 96 62 196
Agncia e Posto de Atendimento 5,806 6,391 7,460 8,683
Correspondente no pas 2,318 2,591 2,905 3,174
Central de atendimento (call center) 1,636 1,613 1,562 1,362

Observaes: Dados revisados
Acesso Remoto: 2009
Correspondentes no Pas: 2008
2012 2013 2014 2015 2016
40,541 44,539 49,664 55,457 60,618

15,558 17,740 19,466 19,726 20,275
10,102 10,627 10,953 10,977 10,168
821 2,290 5,143 10,800 16,726
9,062 8,651 8,787 8,875 8,146
3,417 3,686 3,944 3,910 4,223
1,581 1,546 1,370 1,169 1,080
Transaes por Canais de Acesso - Pagamento de Conta/Tributo e Transferncia de Crdito
Quantidade (milhes)
Canal de Acesso 2008 2009 2010 2011 2012
Acesso remoto (Internet, Home e Office Banking) 1,260 1,470 1,782 2,087 2,766
Correspondente no pas 1,711 1,932 2,157 2,300 2,460
Agncia e Posto de Atendimento 1,511 1,464 1,496 1,451 1,498
ATM 503 513 598 693 922
Telefone Celular e PDA (Wireless) 3 3 3 6 18
Central de atendimento (call center) 26 29 30 24 26
Fonte: Bancos
Observao: Dados revisados
Internet Banking: 2009 e 2015
Correspondente no pas: 2008
Agncia e Posto de Atendimento: 2008, 2013 e 2015
2013 2014 2015 2016
3,164 3,607 3,570 3,535

2,637 2,727 2,675 2,809
1,409 1,387 1,213 1,197
1,022 1,081 1,122 997
77 215 503 839
26 26 22 16
Quantidade de transaes por Canal de Acesso e por Tipo de Operao (mil)
2016 Agncia e Posto de ATM Central de

Atendimento atendimento
tradicionais
Boleto de Pagamento e Convnios 982,939 769,103 8,301
Consultas de Saldo e Extrado 681,857 3,885,771 644,315
Depsito 606,018 715,202 -
Emprstimo e Financiamento 348,668 101,110 6,421
Outras Financeiras 309,050 15,271 10,049
Outras no Financeiras 4,531,737 1,004,224 403,706
Saque de numerrio 471,139 3,449,018 -
Transferncia de crdito 214,406 228,320 7,651

tradicionais
Boleto de Pagamento e Convnios 1,045,409 871,334 11,796
Depsito 676,143 735,919 -
Observao: dados revisados

tradicionais
Depsito 784,987 801,760 -
Observao: Dados revisados.

tradicionais
Consultas de Saldo e Extrado 576,779 4,120,873 1,109,588
Depsito 775,702 859,307 -
Outras no Financeiras 4,616,047 879,611 389,923


Consultas de Saldo e Extrado 580,376 4,086,906 1,107,678
Depsito 814,914 769,817 -
Outras no Financeiras 4,889,869 914,264 426,890
Correspondente Internet, Home e Telefone
no pas Office Banking celular e PDA
2,808,289 2,039,932 555,006

297,254 8,102,460 12,826,663
376,116 - -
23,146 146,329 100,444
1 1,203,304 16,423
157,688 7,288,061 2,942,962
559,457 - -
1,193 1,494,887 284,254

2,673,972 2,065,206 343,989

258,734 7,731,644 8,259,287
319,723 - -
18,365 165,958 59,254
1 1,020,181 8,200
136,619 7,236,720 1,970,101
501,733 - -
1,256 1,505,732 159,230

2,724,071 2,148,225 147,238

261,419 7,901,600 3,719,468
311,904 - -
20,542 141,059 3,613
2 985,422 1,723
120,112 6,831,094 1,203,550
503,929 - -
2,456 1,458,986 67,384

2,633,896 1,790,479 53,946

250,913 7,435,518 1,491,749
292,664 - -
15,612 134,405 997
2 967,037 706
41,605 6,039,574 718,929
448,326 - -
3,177 1,373,092 23,475

2,457,359 1,511,964 13,589

210,419 6,925,995 454,195
250,988 - -
15,161 114,928 388
4 946,751 316
35,431 4,804,685 347,620
444,894 - -
2,244 1,254,366 4,660
Operaes Intrabancrias
2016 Quantidade Valor

(milhes) (bilhes)
Boleto de pagamento 1,085 1,425

Cheque 301 1,208
Transferncia entre clientes 955 7,795
Arrecadaes 3,115 2,439
Governo 904 2,133
Outros 2,211 306
Crdito Direto 4,021 15,088
Instituies financeiras 2,287 7,396
Governo 440 518
Outros 1,294 7,173
Dbito Direto 5,172 6,465
Outros 646 253

(milhes) (bilhes)

Cheque 362 1,479
Governo 855 1,984
Outros 2,311 300
Governo 473 602
Outros 1,384 7,038
Outros 834 284

(milhes) (bilhes)

Cheque 422 1,631
Governo 841 1,922
Outros 2,233 255
Governo 630 566
Outros 1,347 6,441
Outros 807 239

(milhes) (bilhes)
Boletos de pagamento 1,169 1,331
Cheques 471 1,728
Transferncias entre clientes 780 7,491
Governo 854 1,866
Outros 2,123 235
Governo 644 535
Outros 1,311 5,597
Outros 757 218

(milhes) (bilhes)
Cheque 536 1,752
Governo 804 1,680
Outros 1,990 232
Governo 621 518
Outros 1,297 7,671
Outros 714 198
Fonte: Bancos
Observao: Dados revisados.
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Faturamento de Cartes (valor das transaes em R$)

Transaes Domsticas Transaes no Exterior

2008 I 49,722,581,505 24,507,664,897 2008

Ano Trimestre Emitidos Ativos % Ativao

2008 I 120,505,660 68,575,068 56.9%

Ano Trimestre Visa MasterCard Hipercard Amex Elo

2008 I 34,837,025 28,185,169 3,727,499 1,353,205 -

232,727 135,859 103,584

Ano Trimestre Puro Hbrido Co-branded

Ano Trimestre Corporativo Premium Intermedirio Bsico Outros

Ano Trimestre Emitidos* Ativos* % Ativao

Ano Trimestre Visa MasterCard Elo Ch. Eletrnico Band. Prpria

2008 I 30,216,701 24,357,375 - 2,127,720 28,189

5,836,413 3,295,325 1,168,195 93,648 -

Quantidade de Transaes Valor das Transaes

2008 I 12,710,358 54,210,486 104,357,361 421,948,835 653,806

2008 I 2,599,131,647 6,453,825,782 10,780,805,609

Quantidade de Transaes Valor das Transaes

Ano Trimestre 1 parc. 2 e 3 parc. 4 a 6 parc. 7 ou + parc. Ano

Trimestre 1 parc. 2 e 3 parc. 4 a 6 parc. 7 ou + parc.

2008 I 276,488,225 199,306,042 - 15,493,614

2008 I 54,252 46,159

Quantidade de Transaes Valor das Transaes

2008 I 81.04% 18.95% 0.00% 2008 I

79.30% 20.69% 0.01%

Ano Trimestre Mercado Cielo Rede Hipercard Bankpar

2008 I 2.90 2.96 3.00 1.87 2.70

Ano Trimestre Mercado Cielo Rede Hipercard Bankpar

2008 I 2.62 2.67 2.71 1.28 2.65

Ano Trimestre Mercado Cielo Rede TecBan

2008 I 1.59 1.60 1.57 0.87

Ano Trimestre C. Crdito C. Dbito

Ano Trimestre Visa MasterCard American Express Diners Club

2008 I 67.98 69.14 93.66 161.46

Ano Trimestre Classic Nacional Classic Internacional Empresarial Gold

2008 I 56.29 55.91 90.07 135.24

Ano Trimestre Compras Standard Nacional Standard Internacional

2008 I 11.69 54.92 75.71

Ano Cielo Rede Bradesco Cartes Santander Banrisul

2008 1,026,610 863,250 - - -

Ano Cielo Rede Santander Banrisul Elavon Banestes

2008 994,817 838,581 - - - -

Ano Cielo Rede Santander Banpar Banestes Cetelem

2008 1,405,767 916,089 - - - 47,046

- - - 152,870 296,390 13,851 -

no. No considera soluo PDV (TEF).

dor de servios de rede.

2008 2009 2010 2011 2012 2013 2014

Acre 6,021 6,368 6,247 6,858 7,929 8,975 10,406

2015 2016 2008 2009 2010 2011

11,098 10,517 Acre 218 278 394 371

449 550 549 1,080 935

2016/1 2016/2 2016/3

2015/1 2015/2 2015/3

Gastos com Programas de Recompensas pelos Emissores de Cartes em 2014

2014/1 2014/2 2014/3

Gastos com Programas de Recompensas pelos Emissores de Cartes em 2013

2013/1 2013/2 2013/3

Gastos com Programas de Recompensas pelos Emissores de Cartes em 2012

2012/1 2012/2 2012/3

Gastos com Programas de Recompensas pelos Emissores de Cartes em 2011

2011/1 2011/2 2011/3

Dados revisados pelos emissores