Version¹ 276 от 29/09/2026
As of September 01, 2026 actual origination of the payment cards were realized by 18 banks and JSC «Kazpost». These institutes issue and distribute payment cards of the international systems like Visa International, MasterCard Worldwide, and others, as well as payment cards of the local system Kaspi.kz.
As of September 01, 2026, 84.3 million payment cards are in circulation. The most common are debit cards, their share is 81.7%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 2.9%.
In August 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 20.2 trillion tenge, the number – 1.3 bln transactions. At the same time, compared to the same period of 2025, the number of non-cash transactions increased by 7.6% and reached up to 1.3 bln transactions, the volume increased by 6.1%, amounting to 17.9 trillion tenge. The holders of payment cards carried out 18.8 million cash withdrawal operations in the amount of 2.3 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to August 2025 by 8.8%, and of the volume of cash withdrawal operations by 8.7%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (77.3% of the total number of transactions and 89.0% of the total volume of non-cash payments and money transfers) and POS terminals (22.2% and 10.5% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.3% and 88.8% of the total number and volume of cash withdrawal operations).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-7.
|
Table 1 |
||
|
Specifications |
01.09.2025 |
01.09.2026 |
|
Total number of cards in circulation (thousand), of which: |
82 323,5 |
84 319,4 |
|
local systems |
27 564,5 |
28 429,9 |
|
international systems, of which: |
54 759,0 |
55 889,5 |
|
Visa International, of which: |
38 816,4 |
41 011,8 |
|
debit |
35 757,9 |
38 107,2 |
|
credit |
649,3 |
618,6 |
|
Debit cards with credit limit and prepaid |
2 409,1 |
2 286,0 |
|
MasterCard Worldwide, of which: |
15 111,5 |
14 054,1 |
|
debit |
14 428,1 |
13 610,5 |
|
credit |
107,3 |
419,4 |
|
Debit cards with credit limit and prepaid |
576,1 |
24,1 |
|
UnionPay International, of which: |
852,9 |
754,6 |
|
debit |
852,8 |
754,6 |
|
credit |
0,02 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
41 261,4 |
41 804,0 |
|
local systems |
17 104,8 |
17 468,1 |
|
international systems, of which: |
24 156,7 |
24 335,9 |
|
Visa International, of which: |
20 322,5 |
20 879,5 |
|
debit |
19 739,5 |
20 348,0 |
|
credit |
257,1 |
169,9 |
|
Debit cards with credit limit and prepaid |
325,8 |
361,6 |
|
MasterCard Worldwide, of which: |
3 384,0 |
3 115,7 |
|
debit |
3 261,6 |
3 006,9 |
|
credit |
29,6 |
97,8 |
|
Debit cards with credit limit and prepaid |
92,8 |
10,9 |
|
UnionPay International, of which: |
398,4 |
296,0 |
|
debit |
398,4 |
296,0 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.07.2025 |
01.07.2026 |
|
Number of POS - terminals (units), of which: |
1 364 509 |
1 363 897 |
|
commercial enterprises |
1 356 999 |
1 355 883 |
|
Banks |
7 510 |
8 014 |
|
Number of ATM (units), of which: |
12 823 |
13 131 |
|
with cash distribution function |
3 429 |
2 787 |
|
with cash reception and distribution functions |
9 394 |
10 344 |
|
Number of commercial enterprises (units) |
910 707 |
969 737 |
|
Number of users of online bank service (thousand units) |
27 075,2 |
29 412,8 |
|
Table 2 |
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|
Specifications |
As of 01.09.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 878,7 |
13 034,8 |
2 405,8 |
37 241,9 |
4 162,9 |
399,2 |
|
Akmola region |
2 070,5 |
458,7 |
104,2 |
1 176,7 |
146,7 |
18,7 |
|
Aktobe region |
3 013,3 |
666,1 |
122,3 |
1 594,4 |
216,6 |
19,8 |
|
Almaty region |
3 378,7 |
1 112,0 |
231,6 |
2 291,7 |
367,2 |
36,7 |
|
Atyrau region |
2 351,0 |
500,0 |
89,0 |
1 310,2 |
167,4 |
12,4 |
|
East Kazakhstan reg. |
2 142,2 |
482,3 |
152,0 |
1 193,0 |
149,2 |
25,8 |
|
Jambul region |
3 146,6 |
693,2 |
148,8 |
1 730,3 |
209,3 |
15,9 |
|
West Kazakhstan reg. |
2 209,0 |
489,7 |
90,3 |
1 173,7 |
156,1 |
13,8 |
|
Karaganda region |
3 745,8 |
776,5 |
146,4 |
2 080,6 |
246,1 |
27,2 |
|
Kostanai region |
2 499,0 |
506,9 |
102,7 |
1 372,0 |
161,8 |
20,8 |
|
Kyzylorda region |
2 583,6 |
549,1 |
123,4 |
1 283,6 |
169,6 |
12,2 |
|
Mangistau region |
2 495,7 |
545,2 |
82,2 |
1 414,3 |
187,1 |
11,5 |
|
Pavlodar region |
2 379,3 |
494,3 |
99,7 |
1 335,9 |
159,1 |
20,4 |
|
North Kazakhstan reg. |
1 548,5 |
287,4 |
60,3 |
846,2 |
84,7 |
11,8 |
|
Turkestan reg. |
3 878,6 |
1 208,6 |
229,1 |
2 619,4 |
343,0 |
24,8 |
|
Almaty city |
15 823,6 |
1 471,2 |
253,0 |
8 309,3 |
475,1 |
57,7 |
|
Shymkent city |
5 039,9 |
795,5 |
73,3 |
1 932,4 |
248,1 |
10,1 |
|
Astana city |
5 908,5 |
1 072,8 |
220,1 |
3 044,2 |
388,9 |
49,4 |
|
Jetysu reg. |
2 134,0 |
391,4 |
32,1 |
1 125,4 |
118,2 |
3,7 |
|
Abay reg. |
1 948,5 |
384,5 |
32,4 |
1 028,2 |
120,2 |
4,7 |
|
Ulytau reg. |
582,4 |
149,6 |
12,9 |
380,5 |
48,6 |
1,7 |
|
Table 3 |
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|
Specifications |
As of 01.07.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 363 897 |
13 131 |
969 737 |
1 227 841 |
|
Akmola region |
52 531 |
410 |
35 348 |
47 230 |
|
Aktobe region |
61 643 |
645 |
45 445 |
56 399 |
|
Almaty region |
71 960 |
333 |
62 398 |
65 825 |
|
Atyrau region |
52 686 |
573 |
36 577 |
48 487 |
|
East Kazakhstan reg. |
44 440 |
606 |
31 181 |
39 570 |
|
Jambul region |
58 240 |
598 |
44 168 |
53 062 |
|
West Kazakhstan reg. |
42 240 |
472 |
31 469 |
38 379 |
|
Karaganda region |
75 599 |
978 |
55 034 |
67 855 |
|
Kostanai region |
58 954 |
515 |
39 426 |
53 034 |
|
Kyzylorda region |
36 769 |
432 |
29 455 |
33 734 |
|
Mangistau region |
45 194 |
608 |
35 266 |
41 477 |
|
Pavlodar region |
53 732 |
626 |
34 735 |
48 158 |
|
North Kazakhstan reg. |
29 030 |
354 |
19 012 |
25 993 |
|
Turkestan reg. |
58 399 |
375 |
50 052 |
53 921 |
|
Almaty city |
304 526 |
2 316 |
182 905 |
268 509 |
|
Shimkent city |
75 201 |
859 |
58 868 |
68 566 |
|
Astana city |
170 190 |
1 508 |
121 494 |
151 545 |
|
Jetysu reg. |
28 885 |
326 |
23 514 |
26 231 |
|
Abay reg. |
31 377 |
391 |
24 470 |
28 473 |
|
Ulytau reg. |
12 301 |
206 |
8 920 |
11 393 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
9 153 481,6 |
157 906,7 |
|
local systems |
7 626 032,6 |
55 423,5 |
|
international systems, of which: |
1 527 449,0 |
102 483,1 |
|
Visa International |
1 279 854,5 |
85 035,0 |
|
MasterCard Worldwide |
233 492,9 |
13 628,6 |
|
UnionPay International |
11 802,3 |
3 705,9 |
|
Volume (mln.tenge), of which; |
120 829 940,9 |
18 113 963,8 |
|
local systems |
92 282 991,2 |
4 939 551,5 |
|
international systems, of which: |
28 546 949,7 |
13 174 412,4 |
|
Visa International |
21 981 138,5 |
10 910 681,8 |
|
MasterCard Worldwide |
6 272 287,5 |
1 923 351,7 |
|
UnionPay International |
231 327,0 |
326 061,1 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
9 682 019,3 |
148 029,1 |
|
local systems |
8 021 173,82 |
57 852,22 |
|
international systems, of which: |
1 660 845,43 |
90 176,88 |
|
Visa International |
1 380 640,03 |
77 116,27 |
|
MasterCard Worldwide |
267 203,67 |
10 453,59 |
|
UnionPay International |
10 874,42 |
2 482,84 |
|
Volume (mln.tenge), of which; |
127 585 230,1 |
17 244 246,2 |
|
local systems |
95 697 056,7 |
5 408 232,2 |
|
international systems, of which: |
31 888 173,4 |
11 836 013,9 |
|
Visa International |
24 793 605,4 |
10 039 718,8 |
|
MasterCard Worldwide |
6 817 140,8 |
1 535 729,5 |
|
UnionPay International |
217 824,2 |
242 743,6 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-August 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 515 614,8 |
125 746 785,4 |
156 174,5 |
17 469 342,1 |
|
Akmola region |
191 067,93 |
1 977 412,36 |
4 298,94 |
393 135,64 |
|
Aktobe region |
329 687,89 |
3 174 601,19 |
7 215,84 |
619 268,64 |
|
Almaty region |
366 272,38 |
4 071 966,28 |
2 665,51 |
330 574,50 |
|
Atyrau region |
285 439,23 |
2 966 842,04 |
4 760,88 |
477 359,90 |
|
East Kazakhstan reg. |
192 690,06 |
1 973 033,36 |
5 322,74 |
520 135,20 |
|
Jambul region |
348 504,88 |
3 473 540,18 |
7 941,09 |
712 049,72 |
|
West Kazakhstan reg. |
218 530,56 |
2 121 395,84 |
4 620,22 |
385 027,60 |
|
Karaganda region |
358 016,42 |
3 865 503,98 |
10 182,73 |
920 238,33 |
|
Kostanai region |
214 441,02 |
2 042 394,52 |
5 761,02 |
548 190,87 |
|
Kyzylorda region |
255 019,72 |
2 395 403,33 |
5 082,89 |
455 175,84 |
|
Mangistau region |
291 459,34 |
3 007 219,63 |
5 398,95 |
587 072,21 |
|
Pavlodar region |
223 309,39 |
2 132 928,11 |
6 596,81 |
575 510,08 |
|
North Kazakhstan reg. |
104 897,23 |
914 320,04 |
3 562,09 |
314 684,56 |
|
Turkestan reg. |
442 258,27 |
4 372 606,69 |
4 077,03 |
415 313,31 |
|
Almaty city |
3 654 849,65 |
63 328 017,18 |
41 503,10 |
6 042 853,15 |
|
Astana city |
925 578,43 |
11 210 463,29 |
13 925,97 |
1 765 494,68 |
|
Shimkent city |
613 054,90 |
7 996 710,19 |
12 391,73 |
1 463 833,11 |
|
Jetysu reg. |
265 438,01 |
2 473 045,06 |
4 531,24 |
382 047,72 |
|
Abay reg. |
168 092,32 |
1 532 571,77 |
4 599,06 |
384 137,92 |
|
Ulytau reg. |
67 007,24 |
716 810,38 |
1 736,67 |
177 239,13 |
Use of the payment cards issued by Kazakhstan and foreign banks on the territory of the Republic of Kazakhstan in the context of the operation environment
|
Table 6 |
||||
|
Specifications |
January-August 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 538 682,4 |
126 266 263,5 |
147 595,0 |
17 131 382,9 |
|
POS - terminal |
2 080 757,6 |
12 681 327,8 |
1 757,5 |
1 600 231,2 |
|
ATM |
426,7 |
39 714,7 |
145 280,0 |
15 273 623,7 |
|
Internet and mobile phone |
4 712 515,2 |
99 707 671,4 |
- |
- |
|
Payment terminals |
31 599,1 |
101 667,3 |
557,4 |
257 528,0 |
|
QR-code |
2 713 383,8 |
13 735 882,3 |
- |
- |
Use of the payment cards issued by Kazakhstan banks outside of Republic of Kazakhstan in the context of the operation environment
|
Table 7 |
||||
|
Specifications |
January-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
173 820,1 |
2 946 790,3 |
3 485,6 |
290 778,7 |
|
POS - terminal |
50 813,5 |
1 185 903,7 |
25,7 |
8 811,7 |
|
ATM |
119,1 |
5 572,9 |
3 455,1 |
279 447,0 |
|
Internet and mobile phone |
119 523,0 |
1 616 580,9 |
- |
- |
|
others |
3 364,4 |
138 732,9 |
4,8 |
2 520,0 |
|
2026 |
||||
|
Total, incl. |
237 956,9 |
3 368 649,6 |
2 724,9 |
234 657,7 |
|
POS - terminal |
56 196,2 |
1 170 444,6 |
21,3 |
8 719,9 |
|
ATM |
101,7 |
9 443,5 |
2 703,3 |
225 936,3 |
|
Internet and mobile phone |
177 482,2 |
2 065 356,4 |
- |
- |
|
others |
4 176,9 |
123 405,1 |
0,2 |
1,5 |
