Taiwan Financial Services Commission publishes July 2025 credit card, cash card and electronic payment operating statistics

The Taiwan Financial Services Commission released its operating statistics as of July 2025 for credit cards, cash cards and electronic payment institutions, reporting 59.95 million effective credit cards, 0.28 million effective cash cards and 33.62 million electronic payment account users. The update also showed a month-on-month increase in credit card retail sales and installment balances, alongside lower credit card delinquency. For credit cards, 32 issuers were operating, with 39.86 million active cards and TWD 114.5 billion in revolving credit (TWD 115.4 billion at end-June 2025). The undue balance of installment rose to about TWD 241.1 billion (TWD 154.9 billion at end-June), monthly retail sales increased to about TWD 653.3 billion (TWD 393.7 billion in June), write-offs were about TWD 0.59 billion (TWD 0.62 billion in June), and the average delinquency ratio (over three months past due) fell to 0.23% (0.29% at end-June). For cash cards, 13 institutions were active, with TWD 10.2 billion in loan balances, about TWD 7 million in monthly write-offs, and a 1.134% delinquency ratio (1.03% at end-June). For electronic payments, there were nine specialized electronic payment institutions and 20 dual-status institutions; stored value cards totaled 195.97 million effective cards with TWD 15.27 billion stored value, while electronic payment accounts recorded TWD 20.73 billion of funds collected/paid as agent for transactions, TWD 18.48 billion in small-amount remittances, TWD 30.47 billion in monthly stored value funds, and TWD 17.3 billion in end-month account balances (TWD 19.85 billion at end-June).