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As of February 01, 2024 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, Master Card, UnionPay International, American Express International and Diners Club International. Beside banks of Kazakhstan issue payment cards of the local systems like local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank». 

As of February 01, 2024, 75.3 million payment cards are in circulation. The most common are debit cards, their share is 81.0%, the share of credit cards is 16.2%. Debit cards with a credit limit and prepaid cards account for 2.8%.

In January 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11.9 trillion tenge, the number – 862.3 mln transactions. At the same time, over the same period of 2023, the number of non-cash transactions increased by 13.6% and reached up to 842.7 mln transactions and by 14.6%, reaching 10.1 trillion tenge. The holders of payment cards carried out 19.7 million cash withdrawal operations in the amount of 1.8 trillion tenge. There is an increase in the number of cash withdrawal operations compared to January 2023 by 14.0%. At the same time, the volume of cash withdrawal operations increased by 22.2%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (78.9% of the total number of transactions and 89.0% of the total volume of non-cash payments and money transfers) and POS terminals (21.0% and 10.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.4% and 87.5% 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

As of 01.02.2023

As of 01.02.2024

Total number of cards in circulation (thousand), of which:

65 899,5

75 253,5

local systems

22 422,1

25 028,0

international systems, of which:

43 477,3

50 225,5

Visa International, of which:

33 734,4

37 735,5

debit

30 495,8

35 054,9

credit

1 159,1

734,9

Debit cards with credit limit and prepaid

2 079,4

1 945,7

MasterCard Worldwide, of which:

8 135,8

11 043,4

debit

7 797,8

10 713,0

credit

329,5

157,7

Debit cards with credit limit and prepaid

8,5

172,7

Number of used cards (thousand), of which:

32 368,5

37 851,1

local systems

13 184,2

15 536,3

international systems, of which:

19 184,4

22 314,8

Visa International, of which:

16 305,9

19 055,1

debit

15 516,2

18 511,7

credit

369,9

286,5

ADebit cards with credit limit and prepaid

419,8

256,8

MasterCard Worldwide, of which:

2 316,7

2 796,5

debit

2 245,7

2 722,2

credit

68,6

44,9

Debit cards with credit limit and prepaid

2,4

29,3

Quarterly specifications

01.01.2023

01.01.2024

Number of  POS - terminals (units), of which:

831 780

1 041 884

commercial enterprises

815 501

1 033 770

banks

16 279

8 114

Number of ATM (units) , of which:

12 391

12 649

with cash distribution function

5 378

4 982

with cash reception and distribution functions

7 013

7 667

Number of commercial enterprises (units)

567 687

793 065

Number  of users of online bank service(thousand units)[1]

22 912,09

22 019,81

 

Table 2

Specifications

As of 01.02.2024

Total number of cards in circulation (thousand)

Number of used payment cards (thousand)

debit

credit

others[2]

debit

credit

others2

Total, incl.

60 919,7

12 215,3

2 118,5

33 457,9

4 107,1

286,1

Akmola region

1 834,9

411,7

99,7

1 047,3

133,9

14,5

Aktobe region

2 613,4

634,2

119,7

1 461,2

217,3

15,7

Almaty region

2 842,2

1 055,4

190,4

2 004,9

368,3

21,8

Atyrau region

2 135,3

481,9

101,1

1 193,7

172,4

9,8

East Kazakhstan reg.

2 056,9

451,5

164,6

1 109,5

139,0

20,5

Jambul region

2 806,4

646,4

137,9

1 576,3

207,9

12,0

West Kazakhstan reg.

1 942,1

466,0

85,9

1 083,9

153,8

10,1

Karaganda region

3 425,6

733,5

149,1

1 892,9

243,2

19,7

Kostanai region

2 286,4

463,7

96,9

1 246,1

144,5

15,7

Kyzylorda region

2 161,2

533,8

121,4

1 174,3

180,4

10,3

Mangistau region

2 221,7

518,5

77,6

1 237,3

185,3

8,6

Pavlodar region

2 172,6

467,3

103,3

1 216,3

150,0

16,0

North Kazakhstan reg.

1 410,0

257,9

56,1

755,4

75,5

8,7

Turkestan reg.

4 020,0

1 133,3

174,7

2 385,5

346,8

17,9

Almaty city

14 231,2

1 385,9

191,2

7 458,4

469,5

40,9

Shymkent city

3 485,5

713,9

61,2

1 704,2

248,5

7,1

Astana city

4 919,4

997,9

163,4

2 617,1

391,9

33,6

Jetysu reg.

2 000,7

365,2

10,5

1 034,0

116,0

1,4

Abay reg.

1 723,7

353,5

9,5

906,6

113,3

1,2

Ulytau reg.

630,5

143,7

4,2

352,9

49,9

0,6

 

 

 

Table 3

Specifications

As of 01.01.2024

Number of POS-terminals

Number of ATMs

Number of enterprises[3]

Number of outlets

Total, incl.

997 427

11 809

753 433

885 812

Akmola region

34 752

407

28 522

34 874

Aktobe region

46 039

630

38 870

45 522

Almaty region

42 827

305

41 203

44 461

Atyrau region

37 671

594

30 191

36 256

East Kazakhstan reg.

35 268

582

27 503

33 927

Jambul region

39 418

542

33 541

39 280

West Kazakhstan reg.

32 080

450

26 831

31 730

Karaganda region

58 277

909

46 326

56 365

Kostanai region

43 886

503

32 282

42 969

Kyzylorda region

28 347

400

26 539

30 442

Mangistau region

41 514

610

33 539

40 646

Pavlodar region

42 144

615

30 214

40 154

North Kazakhstan reg.

20 645

348

16 293

20 565

Turkestan reg.

38 971

432

37 349

39 677

Almaty city

255 548

2 280

152 417

181 800

Shimkent city

77 693

760

47 676

52 075

Astana city

122 347

1 442

104 137

115 069

Jetysu reg.

16 385

287

15 116

17 400

Abay reg.

19 488

367

18 060

20 042

Ulytau reg.

8 584

186

6 456

8 808

 

Use of payment cards, issued by the banks of Kazakhstan, in and outside the country

Table 4

Specifications

January

Cashless payments

Cash withdrawals

2023

Number of transactions (thousand) of which;

742 015,63

17 261,36

local systems

622 709,58

3 490,88

international systems, of which:

119 306,04

13 770,48

Visa International

92 578,69

11 399,71

MasterCard Worldwide

12 175,41

1 791,50

Volume (mln.tenge), of which;

8 800 306,36

1 489 103,56

local systems

6 616 321,94

249 194,71

international systems, of which:

2 183 984,42

1 239 908,85

Visa International

1 250 624,64

993 396,58

MasterCard Worldwide

336 276,17

206 113,02

2024

Number of transactions (thousand) of which;

842 661,83

19 670,71

local systems

699 698,15

6 133,37

international systems, of which:

142 963,68

13 537,34

Visa International

125 173,37

11 456,43

MasterCard Worldwide

16 726,84

1 606,71

Volume (mln.tenge), of which;

10 082 915,29

1 820 251,84

local systems

7 672 825,28

432 625,54

international systems, of which:

2 410 090,02

1 387 626,29

Visa International

1 901 739,04

1 134 759,10

MasterCard Worldwide

483 979,23

214 575,82

 

Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions

Table 5

Specifications

January 2024

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

838 658,2

10 064 837,3

19 409,3

1 793 321,2

Akmola region

14 124,3

111 478,3

565,4

40 192,5

Aktobe region

29 509,4

268 986,3

959,9

69 811,8

Almaty region

26 169,6

257 816,6

389,5

37 444,6

Atyrau region

26 605,6

266 707,8

684,4

61 135,4

East Kazakhstan reg.

17 313,5

159 998,0

753,7

58 618,5

Jambul region

26 059,4

242 148,9

1 058,3

76 480,4

West Kazakhstan reg.

19 948,1

183 050,1

623,2

45 043,7

Karaganda region

31 120,7

328 823,1

1 326,7

100 805,4

Kostanai region

18 637,8

171 685,6

742,7

58 014,2

Kyzylorda region

20 238,1

181 418,8

737,9

52 629,9

Mangistau region

27 118,5

273 515,4

714,7

71 827,6

Pavlodar region

19 844,9

177 873,9

893,4

63 874,2

North Kazakhstan reg.

8 288,2

70 043,6

462,2

31 760,4

Turkestan reg.

27 626,8

248 049,5

563,9

48 641,0

Almaty city

353 913,8

5 185 640,3

4 098,2

536 425,1

Astana city

85 759,4

1 035 755,5

1 672,5

190 664,7

Shimkent city

51 286,4

598 123,0

1 617,0

147 542,1

Jetysu reg.

16 349,6

137 659,3

651,9

40 703,3

Abay reg.

13 096,0

109 828,4

639,6

40 636,5

Ulytau reg.

5 648,3

56 234,6

254,6

21 069,8

 

 

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 2024

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

838 658,2

10 064 837,3

19 409,3

1 793 321,2

POS - terminal

181 345,0

1 068 573,0

271,2

215 039,0

ATM

32,3

4 446,9

19 103,3

1 568 106,3

Internet and mobile phone

456 654,4

7 997 911,1

-

-

Payment terminals

60,5

3 338,3

34,8

10 175,8

QR-code

200 566,1

990 568,0

-

-

 

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

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

2023

Total, incl.

10 230,1

195 307,5

344,7

27 331,6

POS - terminal

4 806,7

113 081,3

3,5

1 098,9

ATM

2,0

188,7

341,2

26 232,6

Internet and mobile phone

5 321,8

79 480,9

-

-

others

99,5

2 556,5

-

-

2024

Total, incl.

15 209,3

258 259,8

431,7

34 679,5

POS - terminal

4 894,3

118 766,1

2,7

1 153,6

ATM

6,5

305,5

428,5

33 265,5

Internet and mobile phone

10 109,4

128 560,4

-

-

others

199,2

10 627,9

0,5

260,4

 

 

[1] Placed by banks.

[2] Debit cards with credit limits and prepaid payment cards.

[3] Entrepreneurs who have concluded an agreement with an acquirer for servicing payment card holders.

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