Version ¹204 on 24/09/2020
As of September 01, 2020 actual origination of the payment cards were realized by 22 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 Altyn Card – JSC «Halyk Bank of Kazakhstan», local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of September 01, 2020 banks have issued 42,7 mln. payment cards and a number of card holders reached 36,3 mln. (in comparison with the situation on the same date of 2019, there is a growth of 41,8% and 36,5% respectively). The most widespread ones are the debit cards with the share of 77,3%, the share of credit cards – 19,2%. The share of debit cards with credit limit and share of prepaid cards is 2,3% and 1,2% respectively.
In January-August 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 29 454,0 bln. tenge (an increase of 61,5% compared to January-August 2019). The number of transactions amounted to 1 769,3 million transactions and increased by 90,8% compared to January- August 2019.
At the same time, the number of non-cash transactions increased 2,3 times (the number amounted to 1 570,4 million units) and the amount – 2,5 times (the volume amounted to 19 110,5 billion tenge). Card holders conducted 198,9 million withdrawals in the amount of 10 343,5 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 26,7% and 3,8%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (55,5% and 80,6% out of the total number of payments and volume of cashless payments) and POS-terminals (44,4% and 18,9% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,8% and 92,4% out of the total number of payments and volume of cash withdrawal transactions).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-6.
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Table 1 |
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|
Specifications |
As of 01.09.2019 |
As of 01.09.2020 |
|
Total number of cards in circulation (thousand), of which: |
30 138,0 |
42 744,8 |
|
local systems |
4 030,1 |
10 551,7 |
|
international systems, of which: |
26 107,8 |
32 193,1 |
|
Visa International, of which: |
15 533,5 |
20 080,0 |
|
debit |
9 419.6 |
14 029,1 |
|
credit |
5 180,9 |
4 673,7 |
|
Debit cards with credit limit and prepaid |
932,9 |
1 377,2 |
|
MasterCard Worldwide, of which: |
9 027,2 |
10 513,1 |
|
debit |
8 729,9 |
10 124,6 |
|
credit |
213,8 |
249,2 |
|
Debit cards with credit limit and prepaid |
83.4 |
139,2 |
|
Number of card holders (thousand), of which: |
26 598,7 |
36 328,2 |
|
local systems |
4 030,1 |
8 922,0 |
|
international systems, of which: |
22 568,6 |
27 406,1 |
|
Visa International, of which: |
13 229,6 |
16 226,7 |
|
MasterCard Worldwide, of which: |
8 191,4 |
9 703,1 |
|
Number of used cards (thousand), of which: |
17 563,8 |
24 363,7 |
|
local systems |
3 386,9 |
7 977,3 |
|
international systems, of which: |
14 176,9 |
16 386,4 |
|
Visa International, of which: |
7 663,2 |
8 507,7 |
|
debit |
4 515,5 |
6 784,1 |
|
credit |
2 719,9 |
1 471,4 |
|
Debit cards with credit limit and prepaid |
427,9 |
581,9 |
|
MasterCard Worldwide, of which: |
5 664,3 |
6 760,1 |
|
debit |
5 543,3 |
6 637,3 |
|
credit |
89,4 |
78,1 |
|
Debit cards with credit limit and prepaid |
31,7 |
44,6 |
|
Specifications |
As of 01.07.2019 |
As of 01.07.2020 |
|
Number of POS - terminals (units), of which: |
146 322 |
190 639 |
|
commercial enterprises |
137 640 |
181 893 |
|
banks |
8 682 |
8 746 |
|
Number of ATM (units) , of which: |
10 923 |
12 108 |
|
with cash distribution function |
7 323 |
7 197 |
|
with cash reception and distribution functions |
3 600 |
4 911 |
|
Number of commercial enterprises (units) |
88 066 |
101 456 |
|
Number of users of online bank service(thousand units)[1] |
16 067 |
25 262 |
|
Table 2 |
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|
Specifications |
As of 01.09.2020 |
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|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
||
|
Total, incl. |
33 037,9 |
8 190,4 |
1 516,5 |
36 328,2 |
20 584,6 |
3 152,5 |
626,6 |
|
Akmola region |
805,1 |
176,3 |
45,1 |
900,6 |
489,2 |
67,0 |
12,1 |
|
Aktobe region |
1 502,8 |
443,1 |
62,2 |
1 674,7 |
924,2 |
164,7 |
17,0 |
|
Almaty region |
1 891,7 |
384,1 |
82,0 |
2 114,8 |
1 229,2 |
169,3 |
21,5 |
|
Atyrau region |
1 395,3 |
342,6 |
44,4 |
1 480,5 |
839,3 |
129,2 |
10,7 |
|
East Kazakhstan reg. |
2 002,2 |
525,2 |
101,5 |
2 247,2 |
1 209,7 |
183,8 |
22,3 |
|
Jambul region |
1 393,9 |
321,5 |
58,0 |
1 571,4 |
877,3 |
132,9 |
8,8 |
|
West Kazakhstan reg. |
1 042,1 |
297,7 |
37,9 |
1 166,3 |
657,6 |
102,5 |
7,9 |
|
Karaganda region |
2 380,3 |
589,8 |
138,6 |
2 641,0 |
1 483,4 |
227,0 |
66,7 |
|
Kostanai region |
1 165,5 |
294,3 |
43,5 |
1 277,6 |
730,7 |
99,8 |
11,6 |
|
Kyzylorda region |
1 103,7 |
290,7 |
55,0 |
1 234,7 |
661,0 |
131,8 |
18,5 |
|
Mangistau region |
1 319,5 |
341,8 |
38,3 |
1 382,5 |
781,0 |
135,7 |
8,8 |
|
Pavlodar region |
1 244,3 |
331,4 |
55,3 |
1 390,6 |
784,7 |
121,6 |
12,8 |
|
North Kazakhstan reg. |
645,4 |
134,2 |
25,1 |
696,4 |
390,5 |
49,0 |
8,3 |
|
Turkestan reg. and Shimkent city |
3 491,3 |
897,8 |
111,9 |
4 003,8 |
2 180,8 |
393,8 |
23,6 |
|
Almaty city |
8 450,6 |
1 961,3 |
540,0 |
9 108,2 |
5 351,2 |
728,0 |
357,3 |
|
Nur-Sultan city |
3 204,1 |
858,6 |
77,1 |
3 437,7 |
1 994,8 |
316,5 |
18,8 |
|
Table 3 |
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|
Specifications |
As of 01.07.2020 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
190 639 |
12 108 |
101 456 |
153 154 |
|
Akmola region |
4 910 |
377 |
2 786 |
4 058 |
|
Aktobe region |
9 086 |
573 |
5 219 |
7 693 |
|
Almaty region |
4 553 |
519 |
2 024 |
3 347 |
|
Atyrau region |
5 563 |
613 |
2 959 |
4 457 |
|
East Kazakhstan reg. |
10 912 |
905 |
5 441 |
8 749 |
|
Jambul region |
4 129 |
479 |
1 537 |
2 871 |
|
West Kazakhstan reg. |
5 986 |
452 |
3 092 |
4 802 |
|
Karaganda region |
15 015 |
1 001 |
8 156 |
12 475 |
|
Kostanai region |
11 050 |
465 |
6 622 |
9 683 |
|
Kyzylorda region |
3 287 |
405 |
1 393 |
2 579 |
|
Mangistau region |
6 189 |
605 |
3 078 |
5 133 |
|
Pavlodar region |
10 274 |
599 |
5 362 |
8 219 |
|
North Kazakhstan reg. |
4 653 |
326 |
2 157 |
3 577 |
|
Turkestan reg. and Shimkent city |
8 764 |
1 005 |
3 844 |
6 461 |
|
Almaty city |
53 598 |
2 310 |
28 537 |
42 638 |
|
Nur-Sultan city |
32 670 |
1 474 |
19 249 |
26 412 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
675 385,5 |
252 108,3 |
|
local systems |
75 154,6 |
4 216,1 |
|
international systems, of which: |
600 230,9 |
247 892,2 |
|
Visa International |
147 555,1 |
100 745,0 |
|
MasterCard Worldwide |
448 604,5 |
137 035,8 |
|
Volume (mln.tenge), of which; |
7 500 014,9 |
10 733 617,9 |
|
local systems |
1 039 864,8 |
233 047,5 |
|
international systems, of which: |
6 460 150,1 |
10 500 570,4 |
|
Visa International |
2 305 826,0 |
5 325 362,8 |
|
MasterCard Worldwide |
4 077 811,9 |
4 719 034,4 |
|
2020 |
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|
Number of transactions (thousand) of which; |
1 570 380,9 |
198 974,5 |
|
local systems |
1 018 735,1 |
5 551,2 |
|
international systems, of which: |
551 645,8 |
193 423,2 |
|
Visa International |
182 649,7 |
84 905,7 |
|
MasterCard Worldwide |
365 806,5 |
99 871,7 |
|
Volume (mln.tenge), of which; |
19 110 504,6 |
10 343 484,6 |
|
local systems |
13 495 770,4 |
193 048,8 |
|
international systems, of which: |
5 614 734,2 |
10 150 435,8 |
|
Visa International |
2 813 775,1 |
5 267 351,3 |
|
MasterCard Worldwide |
2 761 175,3 |
4 449 231,5 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
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|
Specifications |
January-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 534 553,9 |
18 681 939,8 |
202 227,2 |
10 431 387,4 |
|
Akmola region |
23 863,9 |
250 098,8 |
6 443,6 |
276 670,9 |
|
Aktobe region |
66 115,2 |
682 209,2 |
10 025,5 |
444 664,3 |
|
Almaty region |
68 776,2 |
795 298,4 |
13 701,9 |
631 503,4 |
|
Atyrau region |
61 923,9 |
795 305,0 |
8 482,4 |
463 290,1 |
|
East Kazakhstan reg. |
51 592,1 |
583 407,1 |
15 797,6 |
700 568,4 |
|
Jambul region |
45 018,3 |
505 883,3 |
10 136,0 |
454 516,8 |
|
West Kazakhstan reg. |
37 859,2 |
464 107,7 |
7 761,7 |
335 947,2 |
|
Karaganda region |
95 733,7 |
1 030 225,0 |
16 839,2 |
794 306,5 |
|
Kostanai region |
43 200,9 |
417 697,8 |
8 689,0 |
389 225,2 |
|
Kyzylorda region |
36 556,9 |
407 243,1 |
7 609,6 |
347 015,0 |
|
Mangistau region |
58 423,3 |
678 902,6 |
8 658,3 |
505 465,1 |
|
Pavlodar region |
45 618,6 |
458 200,8 |
9 894,5 |
423 218,0 |
|
North Kazakhstan reg. |
15 360,9 |
172 347,0 |
5 170,0 |
220 966,2 |
|
Turkestan reg. and Shimkent city |
110 153,6 |
1 612 345,6 |
23 489,3 |
1 231 452,2 |
|
Almaty city |
507 868,1 |
6 973 993,4 |
32 374,3 |
2 111 941,4 |
|
Nur-Sultan city |
266 489,2 |
2 854 674,8 |
17 154,3 |
1 100 636,6 |
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 |
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|
Specifications |
January-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 534 553,9 |
18 681 939,8 |
202 227,2 |
10 431 387,4 |
|
POS - terminal |
680 675,8 |
3 525 634,4 |
2 376,4 |
793 081,3 |
|
ATM |
2 533,8 |
99 104,9 |
199 850,7 |
9 638 306,1 |
|
Internet and mobile phone |
851 341,3 |
15 056 998,2 |
0,0 |
0,0 |
|
Payment terminals |
3,1 |
202,3 |
0,0 |
0,0 |
[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.
