Taiwan Financial Services Commission releases January 2026 data showing 59.5 million credit cards and 38.69 million e-payment users

The Taiwan Financial Services Commission published a January 2026 snapshot of Taiwan’s credit card, cash card and electronic payment institution business, covering issuer counts and key metrics on cards and users, balances, transaction volumes, write-offs and delinquency. For credit cards, Taiwan had 32 issuing institutions with 59.5 million effective cards (60.49 million at end-December 2025) and 40.11 million active cards (40.55 million). Revolving credit rose to NT$119.3 billion (NT$118.6 billion), while undue installment balances fell to about NT$181.3 billion (NT$187.2 billion); monthly retail sales declined to about NT$428.1 billion (NT$453.7 billion) and monthly write-offs to about NT$0.58 billion (NT$0.65 billion), with the average delinquency ratio at 0.24% (unchanged). Cash card business involved 13 institutions, with 0.28 million effective cards and a NT$9.9 billion loan balance (both unchanged), monthly write-offs of about NT$27 million (NT$28 million) and an overall delinquency ratio of 1.048% (1.09%). For electronic payments, there were 10 specialized electronic payment institutions and 20 operators concurrently engaging in other businesses; stored value cards totaled 201.31 million effective cards (200.14 million) with 13.82 million cards in use (14.15 million), monthly retail sales of about NT$6.32 billion (NT$6.7 billion) and stored value balances of NT$15.78 billion (NT$15.74 billion). Electronic payment accounts had 38.69 million users (37.65 million), with monthly agent collection/payment for transactions of NT$23.02 billion (NT$20.29 billion), small-amount remittances of NT$14.64 billion (NT$15.79 billion), monthly stored value funds of NT$29.07 billion (NT$27.62 billion), and e-payment account balances of NT$17.28 billion (NT$15.51 billion).