Version ¹209 on 26/02/2021
As of February 01, 2021 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 February 01, 2021 banks have issued 49,3 mln. payment cards and a number of card holders reached 39,8 mln. (in comparison with the situation on the same date of 2020, there is a growth of 45,4% and 29,6% respectively). The most widespread ones are the debit cards with the share of 73,9%, the share of credit cards – 23,8%. The share of debit cards with credit limit and share of prepaid cards is 2,5% and 0,4% respectively.
In January 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 4,9 trln. Tenge. The number of transactions amounted to – 365,8 million transactions.
At the same time, the number of non-cash transactions increased 2,4 times (the number amounted to 336,9 million units) and the amount (the volume amounted to 2 trln. tenge). Card holders conducted 19,9 million withdrawals in the amount of 1 237,4 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 20% and 9,1%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (65,4% and 81,5% out of the total number of payments and volume of cashless payments) and POS-terminals (34,5% and 18% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,6% and 90,1% 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 01.02.2020 |
As of 01.02.2021 |
|
Total number of cards in circulation (thousand), of which: |
33 938,5 |
49 285,4 |
|
local systems |
6 222,9 |
14 737,9 |
|
international systems, of which: |
27 715,6 |
34 547,6 |
|
Visa International, of which: |
15 886,9 |
23 150,3 |
|
debit |
9 655,1 |
17 124,2 |
|
credit |
5 051,4 |
4 681,0 |
|
Debit cards with credit limit and prepaid |
1 180,4 |
1 345,0 |
|
MasterCard Worldwide, of which: |
10 546,0 |
9 745,6 |
|
debit |
10 180,4 |
9 399,0 |
|
credit |
249,4 |
250,3 |
|
Debit cards with credit limit and prepaid |
116,2 |
96,3 |
|
Number of card holders (thousand), of which: |
30 665,3 |
39 760,0 |
|
local systems |
5 366,9 |
10 846,3 |
|
international systems, of which: |
25 298,3 |
28 913,7 |
|
Visa International, of which: |
14 090,4 |
18 299,6 |
|
MasterCard Worldwide, of which: |
9 944,8 |
9 053,5 |
|
Number of used cards (thousand), of which: |
16 261,7 |
22 158,6 |
|
local systems |
4 324,7 |
7 147,0 |
|
international systems, of which: |
11 937,0 |
15 011,5 |
|
Visa International, of which: |
6 404,9 |
9 858,8 |
|
debit |
4 248,3 |
8 076,6 |
|
credit |
1613 |
1445 |
|
Debit cards with credit limit and prepaid |
543,7 |
336,7 |
|
MasterCard Worldwide, of which: |
6 604,1 |
5 949,3 |
|
debit |
6 467,9 |
5 841,6 |
|
credit |
91,9 |
74,4 |
|
Debit cards with credit limit and prepaid |
44,3 |
33,3 |
|
Quarterly specifications |
As of 01.01.2020 |
As of 01.12.2021 |
|
Number of POS - terminals (units), of which: |
135 796 |
170 410 |
|
commercial enterprises |
126 979 |
161 690 |
|
banks |
8 817 |
8 720 |
|
Number of ATM (units) , of which: |
11 017 |
11 315 |
|
with cash distribution function |
7 956 |
6 749 |
|
with cash reception and distribution functions |
3 061 |
4 566 |
|
Number of commercial enterprises (units) |
82 527 |
96 428 |
|
Number of users of online bank service(thousand units)[1] |
17 257 |
16 352 |
|
Table 2 |
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|
Specifications |
As of 01.01.2021 |
||||||
|
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. |
36 408 |
11 436 |
1 441 |
39 760 |
21 789 |
4 300 |
370 |
|
Akmola region |
869 |
269 |
59 |
983 |
491 |
82 |
14 |
|
Aktobe region |
1 596 |
591 |
74 |
1 762 |
915 |
210 |
17 |
|
Almaty region |
1 723 |
417 |
94 |
1 881 |
955 |
156 |
14 |
|
Atyrau region |
1 471 |
469 |
57 |
1 548 |
831 |
168 |
12 |
|
East Kazakhstan reg. |
2 127 |
743 |
117 |
2 411 |
1 208 |
237 |
26 |
|
Jambul region |
1 488 |
473 |
76 |
1 671 |
869 |
172 |
10 |
|
West Kazakhstan reg. |
1 102 |
405 |
51 |
1 232 |
654 |
130 |
9 |
|
Karaganda region |
2 537 |
822 |
165 |
2 821 |
1 483 |
287 |
67 |
|
Kostanai region |
1 273 |
415 |
55 |
1 395 |
742 |
125 |
13 |
|
Kyzylorda region |
1 184 |
405 |
69 |
1 309 |
648 |
172 |
20 |
|
Mangistau region |
1 398 |
461 |
48 |
1 463 |
779 |
181 |
10 |
|
Pavlodar region |
1 315 |
470 |
68 |
1 478 |
782 |
149 |
14 |
|
North Kazakhstan reg. |
696 |
205 |
31 |
762 |
392 |
60 |
9 |
|
Turkestan reg. and Shimkent city |
3 832 |
1 296 |
129 |
4 375 |
2 134 |
516 |
23 |
|
Almaty city |
10 484 |
2 924 |
253 |
11 090 |
6 903 |
1 260 |
90 |
|
Nur-Sultan city |
3 311 |
1 073 |
96 |
3 577 |
2 002 |
395 |
21 |
|
Table 3 |
||||
|
Specifications |
As of 01.01.2021 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
211 764 |
12 728 |
108 159 |
169 886 |
|
Akmola region |
5 585 |
391 |
3 185 |
4 756 |
|
Aktobe region |
9 210 |
589 |
4 719 |
7 603 |
|
Almaty region |
5 220 |
531 |
2 257 |
3 796 |
|
Atyrau region |
6 355 |
653 |
3 261 |
5 263 |
|
East Kazakhstan reg. |
12 326 |
955 |
5 933 |
9 891 |
|
Jambul region |
4 798 |
506 |
1 699 |
3 472 |
|
West Kazakhstan reg. |
6 639 |
464 |
3 155 |
5 262 |
|
Karaganda region |
16 771 |
1 041 |
8 869 |
14 070 |
|
Kostanai region |
12 238 |
493 |
7 123 |
10 729 |
|
Kyzylorda region |
3 832 |
425 |
1 611 |
3 110 |
|
Mangistau region |
7 308 |
604 |
3 524 |
6 112 |
|
Pavlodar region |
11 221 |
630 |
5 663 |
9 150 |
|
North Kazakhstan reg. |
4 994 |
339 |
2 218 |
3 875 |
|
Turkestan reg. and Shimkent city |
10 329 |
1 092 |
4 608 |
7 851 |
|
Almaty city |
59 189 |
2 463 |
29 964 |
46 008 |
|
Nur-Sultan city |
35 749 |
1 552 |
20 370 |
28 938 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
142 443,5 |
24 889,1 |
|
local systems |
78 378,5 |
537,2 |
|
international systems, of which: |
64 065,1 |
24 352,0 |
|
Visa International |
18 421,0 |
9 432,1 |
|
MasterCard Worldwide |
45 304,6 |
13 856,1 |
|
Volume (mln.tenge), of which; |
1 651 922,2 |
1 134 698,7 |
|
local systems |
1 051 047,3 |
14 224,4 |
|
international systems, of which: |
600 874,9 |
1 120 474,3 |
|
Visa International |
290 847,7 |
554 226,5 |
|
MasterCard Worldwide |
305 590,0 |
516 461,5 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
336 933,2 |
19 899,2 |
|
local systems |
254 264,6 |
1 074,0 |
|
international systems, of which: |
82 668,6 |
18 825,2 |
|
Visa International |
42 702,4 |
10 582,5 |
|
MasterCard Worldwide |
39 376,8 |
7 351,7 |
|
Volume (mln.tenge), of which; |
3 673 808,1 |
1 237 404,8 |
|
local systems |
2 778 000,3 |
49 285,6 |
|
international systems, of which: |
895 807,8 |
1 188 119,3 |
|
Visa International |
555 957,0 |
698 416,1 |
|
MasterCard Worldwide |
332 071,7 |
439 560,8 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January 2021 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
332 345,6 |
3 608 677,5 |
20 355,9 |
1 250 256,5 |
|
Akmola region |
4 683,3 |
43 767,2 |
614,5 |
30 442,1 |
|
Aktobe region |
13 441,3 |
119 912,5 |
1 018,5 |
51 740,0 |
|
Almaty region |
9 910,0 |
105 736,3 |
1 447,2 |
73 658,0 |
|
Atyrau region |
12 553,6 |
136 259,2 |
807,9 |
51 340,1 |
|
East Kazakhstan reg. |
10 715,3 |
103 895,6 |
1 581,5 |
78 857,8 |
|
Jambul region |
10 442,7 |
102 381,0 |
1 025,1 |
53 116,2 |
|
West Kazakhstan reg. |
7 411,6 |
76 445,3 |
766,7 |
37 575,2 |
|
Karaganda region |
17 980,9 |
174 991,5 |
1 724,7 |
91 938,5 |
|
Kostanai region |
7 657,4 |
68 784,1 |
895,0 |
45 557,0 |
|
Kyzylorda region |
7 935,3 |
76 618,0 |
737,0 |
37 032,2 |
|
Mangistau region |
12 580,1 |
131 717,9 |
854,9 |
60 660,9 |
|
Pavlodar region |
8 390,9 |
74 949,8 |
974,9 |
48 649,5 |
|
North Kazakhstan reg. |
2 827,2 |
27 412,4 |
528,2 |
25 427,3 |
|
Turkestan reg. and Shimkent city |
28 338,2 |
319 166,1 |
2 235,1 |
136 765,5 |
|
Almaty city |
132 655,6 |
1 572 917,4 |
3 393,4 |
280 074,5 |
|
Nur-Sultan city |
44 822,6 |
473 723,2 |
1 751,0 |
147 421,7 |
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 2021 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
332 345,6 |
3 608 677,5 |
20 355,9 |
1 250 256,5 |
|
POS - terminal |
118 945,9 |
654 815,0 |
273,8 |
123 859,7 |
|
ATM |
148,8 |
8 474,1 |
20 082,1 |
1 126 396,7 |
|
Internet and mobile phone |
213 250,5 |
2 945 326,4 |
- |
- |
|
Payment terminals |
0,5 |
61,9 |
- |
- |
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) |
|
|
2020 |
||||
|
Total, incl. |
4 914,2 |
56 680,3 |
267,7 |
14 722,6 |
|
POS - terminal |
2 487,6 |
35 335,3 |
2,9 |
873,2 |
|
ATM |
1,0 |
44,4 |
264,8 |
13 849,4 |
|
Internet and mobile phone |
2 414,5 |
20 892,0 |
|
|
|
others |
11,2 |
408,7 |
|
|
|
2021 |
||||
|
Total, incl. |
6 523,6 |
59 854,9 |
174,2 |
11 621,1 |
|
POS - terminal |
2 183,5 |
27 029,7 |
2,1 |
554,5 |
|
ATM |
1,3 |
80,7 |
172,1 |
11 066,5 |
|
Internet and mobile phone |
4 320,8 |
32 334,3 |
- |
- |
|
others |
18,0 |
410,3 |
- |
- |
[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.
