Version ¹206 on 27/11/2020
As of November 01, 2020 actual origination of the payment cards were realized by 21 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 November 01, 2020 banks have issued 45,4 mln. payment cards and a number of card holders reached 37,9 mln. (in comparison with the situation on the same date of 2019, there is a growth of 45,6% and 36,3 % respectively). The most widespread ones are the debit cards with the share of 75,4%, the share of credit cards – 21,1%. The share of debit cards with credit limit and share of prepaid cards is 2,4% and 1,1% respectively.
In January-October 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 40,1 trln. tenge (an increase of 67,5% compared to January-October 2019). The number of transactions amounted to 2 435,7 million transactions and increased by 98,3% compared to January- October 2019.
At the same time, the number of non-cash transactions increased 2,4 times (the number amounted to 2 187,2 million units) and the amount – 2,5 times (the volume amounted to 26,7 trln. tenge). Card holders conducted 248,5 million withdrawals in the amount of 13,4 trln. tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 21,4% and 0,4%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (57,7% and 81,4% out of the total number of payments and volume of cashless payments) and POS-terminals (42,1% and 18,2% 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 91,9% 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 1-7.
|
Table 1 |
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|
Specifications |
As of 01.11.2019 |
As of 01.11.2020 |
|
Total number of cards in circulation (thousand), of which: |
31 201,9 |
45 440,1 |
|
local systems |
4 484,5 |
12 362,5 |
|
international systems, of which: |
26 717,4 |
33 077,5 |
|
Visa International, of which: |
15 595,8 |
21 304,2 |
|
debit |
9 379,1 |
15 214,7 |
|
credit |
5 169,3 |
4 625,3 |
|
Debit cards with credit limit and prepaid |
1 047,5 |
1 464,2 |
|
MasterCard Worldwide, of which: |
9 646,6 |
10 198,5 |
|
debit |
9 321,3 |
9 816,5 |
|
credit |
224,2 |
249,7 |
|
Debit cards with credit limit and prepaid |
101,1 |
132,3 |
|
Number of card holders (thousand), of which: |
27 824,4 |
37 914,6 |
|
local systems |
4 484,4 |
9 930,0 |
|
international systems, of which: |
23 339,9 |
27 984,6 |
|
Visa International, of which: |
13 310,0 |
17 043,9 |
|
MasterCard Worldwide, of which: |
8 904,6 |
9 445,4 |
|
Number of used cards (thousand), of which: |
19 156,1 |
25 683,9 |
|
local systems |
3 866,9 |
8 747,5 |
|
international systems, of which: |
15 289,1 |
16 936,4 |
|
Visa International, of which: |
8 031,9 |
9 727,2 |
|
debit |
4 899,5 |
7 626,7 |
|
credit |
2 649,9 |
1 509,4 |
|
Debit cards with credit limit and prepaid |
482,6 |
591,1 |
|
MasterCard Worldwide, of which: |
6 378,4 |
6 505,0 |
|
debit |
6 242,9 |
6 384,7 |
|
credit |
96,3 |
79,1 |
|
Debit cards with credit limit and prepaid |
39,2 |
41,2 |
|
Quarterly specifications |
As of 01.10.2019 |
As of 01.10.2020 |
|
Number of POS - terminals (units), of which: |
160 679 |
194 477 |
|
commercial enterprises |
152 013 |
185 716 |
|
banks |
8 666 |
8 761 |
|
Number of ATM (units) , of which: |
11 609 |
12 528 |
|
with cash distribution function |
7 139 |
6 752 |
|
with cash reception and distribution functions |
4 470 |
5 776 |
|
Number of commercial enterprises (units) |
89 764 |
102 895 |
|
Number of users of online bank service(thousand units)[1] |
17 809 |
26 993 |
|
Table 2 |
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|
Specifications |
As of 01.11.2020 |
||||||
|
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. |
34 270 |
9 574 |
1 597 |
37 915 |
21 363 |
3 688 |
632 |
|
Akmola region |
831 |
225 |
51 |
949 |
500 |
77 |
13 |
|
Aktobe region |
1 535 |
507 |
67 |
1 724 |
941 |
191 |
17 |
|
Almaty region |
1 951 |
477 |
87 |
2 197 |
1 258 |
191 |
20 |
|
Atyrau region |
1 430 |
400 |
50 |
1 517 |
855 |
154 |
12 |
|
East Kazakhstan reg. |
2 050 |
630 |
107 |
2 333 |
1 243 |
222 |
24 |
|
Jambul region |
1 419 |
397 |
65 |
1 618 |
880 |
156 |
9 |
|
West Kazakhstan reg. |
1 068 |
344 |
43 |
1 202 |
671 |
119 |
8 |
|
Karaganda region |
2 440 |
699 |
148 |
2 706 |
1 512 |
268 |
68 |
|
Kostanai region |
1 200 |
352 |
48 |
1 336 |
747 |
116 |
12 |
|
Kyzylorda region |
1 142 |
344 |
62 |
1 276 |
672 |
155 |
20 |
|
Mangistau region |
1 340 |
393 |
42 |
1 428 |
801 |
160 |
10 |
|
Pavlodar region |
1 273 |
400 |
60 |
1 446 |
802 |
142 |
14 |
|
North Kazakhstan reg. |
667 |
171 |
28 |
738 |
398 |
56 |
9 |
|
Turkestan reg. and Shimkent city |
3 650 |
1 083 |
118 |
4 224 |
2 211 |
454 |
23 |
|
Almaty city |
9 058 |
2 220 |
537 |
9 740 |
5 843 |
869 |
355 |
|
Nur-Sultan city |
3 211 |
934 |
80 |
3 470 |
1 987 |
349 |
19 |
| Table 3 | ||||
| Specifications | As of 01.10.2020 | |||
| Number of POS-terminals | Number of ATMs | Number of enterprises[3] | Number of outlets | |
| Total, incl. | 194 477 | 12 528 | 102 895 | 155 722 |
| Akmola region | 5 075 | 390 | 2 942 | 4 244 |
| Aktobe region | 8 412 | 601 | 4 427 | 6 871 |
| Almaty region | 4 703 | 542 | 2 131 | 3 486 |
| Atyrau region | 5 744 | 648 | 3 007 | 4 667 |
| East Kazakhstan reg. | 11 094 | 961 | 5 622 | 8 846 |
| Jambul region | 4 408 | 509 | 1 606 | 3 099 |
| West Kazakhstan reg. | 5 962 | 461 | 3 009 | 4 736 |
| Karaganda region | 15 449 | 1 037 | 8 422 | 12 806 |
| Kostanai region | 11 312 | 489 | 6 769 | 9 810 |
| Kyzylorda region | 3 535 | 422 | 1 476 | 2 780 |
| Mangistau region | 6 471 | 604 | 3 255 | 5 363 |
| Pavlodar region | 10 488 | 631 | 5 500 | 8 406 |
| North Kazakhstan reg. | 4 696 | 340 | 2 179 | 3 570 |
| Turkestan reg. and Shimkent city | 9 141 | 1 062 | 4 103 | 6 831 |
| Almaty city | 54 748 | 2 370 | 28 909 | 43 474 |
| Nur-Sultan city | 33 239 | 1 461 | 19 538 | 26 733 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
912 228,7 |
316 299,8 |
|
local systems |
192 514,5 |
5 016,1 |
|
international systems, of which: |
719 714,2 |
311 283,7 |
|
Visa International |
186 446,3 |
124 454,6 |
|
MasterCard Worldwide |
528 605,0 |
174 354,6 |
|
Volume (mln.tenge), of which; |
10 478 532,2 |
13 474 006,0 |
|
local systems |
2 697 345,4 |
256 249,4 |
|
international systems, of which: |
7 781 186,8 |
13 217 756,5 |
|
Visa International |
3 014 546,1 |
6 639 360,6 |
|
MasterCard Worldwide |
4 681 947,8 |
6 013 717,4 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
2 187 201,3 |
248 502,2 |
|
local systems |
1 466 516,0 |
7 660,0 |
|
international systems, of which: |
720 685,3 |
240 842,2 |
|
Visa International |
254 319,6 |
109 257,1 |
|
MasterCard Worldwide |
462 205,2 |
120 988,6 |
|
Volume (mln.tenge), of which; |
26 701 321,9 |
13 415 512,0 |
|
local systems |
19 183 869,9 |
286 717,6 |
|
international systems, of which: |
7 517 452,0 |
13 128 794,4 |
|
Visa International |
3 886 998,8 |
6 921 260,5 |
|
MasterCard Worldwide |
3 577 562,9 |
5 669 020,5 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-October 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 139 419,6 |
26 116 221,7 |
252 256,0 |
13 514 446,3 |
|
Akmola region |
33 236,1 |
350 199,0 |
8 024,2 |
357 559,6 |
|
Aktobe region |
91 059,8 |
934 584,9 |
12 483,7 |
570 758,3 |
|
Almaty region |
94 400,0 |
1 116 788,3 |
17 173,9 |
814 466,6 |
|
Atyrau region |
85 918,3 |
1 080 905,4 |
10 406,3 |
583 119,7 |
|
East Kazakhstan reg. |
70 356,4 |
800 828,0 |
19 748,7 |
898 391,4 |
|
Jambul region |
63 440,9 |
715 510,9 |
12 614,8 |
581 564,9 |
|
West Kazakhstan reg. |
51 499,0 |
628 410,9 |
9 712,7 |
431 211,5 |
|
Karaganda region |
129 696,4 |
1 407 045,0 |
21 109,4 |
1 025 333,5 |
|
Kostanai region |
59 193,4 |
574 435,1 |
10 878,5 |
504 359,2 |
|
Kyzylorda region |
51 159,8 |
568 960,9 |
9 480,6 |
443 152,2 |
|
Mangistau region |
81 611,1 |
926 060,4 |
10 685,4 |
637 851,1 |
|
Pavlodar region |
63 430,9 |
630 590,5 |
12 314,3 |
544 216,3 |
|
North Kazakhstan reg. |
20 949,8 |
232 939,3 |
6 479,1 |
285 347,2 |
|
Turkestan reg. and Shimkent city |
161 431,9 |
2 307 017,1 |
29 114,0 |
1 581 144,7 |
|
Almaty city |
723 698,8 |
9 960 520,3 |
40 542,0 |
2 799 958,9 |
|
Nur-Sultan city |
358 336,8 |
3 881 425,7 |
21 488,4 |
1 456 011,1 |
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-October 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 139 419,6 |
26 116 221,7 |
252 256,0 |
13 514 446,3 |
|
POS - terminal |
901 308,2 |
4 745 639,9 |
2 998,4 |
1 091 211,9 |
|
ATM |
2 955,1 |
120 086,9 |
249 257,6 |
12 423 234,4 |
|
Internet and mobile phone |
1 235 151,9 |
21 250 193,4 |
- |
- |
|
Payment terminals |
4,5 |
301,6 |
- |
- |
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-October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2019 |
||||
|
Total, incl. |
38 913,3 |
524 071,1 |
2 547,6 |
183 546,6 |
|
POS - terminal |
26 516,9 |
369 693,5 |
19,6 |
7 247,5 |
|
ATM |
83,7 |
1 007,4 |
2 528,0 |
176 299,1 |
|
Internet and mobile phone |
12 248,0 |
150 731,7 |
- |
- |
|
others |
64,8 |
2 638,5 |
- |
- |
|
2020 |
||||
|
Total, incl. |
47 501,7 |
448 559,8 |
2 061,5 |
133 130,0 |
|
POS - terminal |
20 132,5 |
217 863,1 |
21,8 |
6 663,4 |
|
ATM |
11,2 |
561,2 |
2 039,8 |
126 466,6 |
|
Internet and mobile phone |
27 181,9 |
225 673,9 |
- |
- |
|
others |
176,2 |
4 461,6 |
- |
- |
[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.
