Version ¹218 on 26/11/2021
As of November 01, 2021 actual origination of the payment cards were realized by 19 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, 2021 banks have issued 57,7 mln. The most widespread ones are the debit cards with the share of 73,7%, the share of credit cards – 23,3%. The share of debit cards with credit limit and share of prepaid cards is 3,0%.
In January-October 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 74,4 trln. Tenge. The number of transactions amounted to – 5 243.6 million transactions.
At the same time, the number of non-cash transactions increased 2,3 times (the number amounted to 5017,8 million units) and the amount (2,2 times the volume amounted to 57,7 trln. tenge). Card holders conducted 225,9 million withdrawals in the amount of 16,7 trln. tenge. There is an increase in the volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 24,4%. However, there is a decrease in the number of operations compared to the corresponding indicator of 2020 by 9,1%
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (67,1% and 83,4% out of the total number of payments and volume of cashless payments) and POS-terminals (32,8% and 16,3% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,7% and 87,5% 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 01.11.2020 |
As of 01.11.2021 |
|
Total number of cards in circulation (thousand), of which: |
45 440.1 |
57 774.6 |
|
local systems |
12 362.5 |
18 943.8 |
|
international systems, of which: |
33 077.5 |
38 830.8 |
|
Visa International, of which: |
21 304.2 |
27 951.2 |
|
debit |
15 214.7 |
22 069.1 |
|
credit |
4 625.3 |
4 169.6 |
|
Debit cards with credit limit and prepaid |
1 464.2 |
1 712.4 |
|
MasterCard Worldwide, of which: |
10 198.5 |
9 417.4 |
|
debit |
9 816.5 |
8 882.9 |
|
credit |
249.7 |
265.2 |
|
Debit cards with credit limit and prepaid |
132.3 |
269.3 |
|
Number of used cards (thousand), of which: |
25 683.9 |
29 548.8 |
|
local systems |
8 747.5 |
11 868.2 |
|
international systems, of which: |
16 936.4 |
17 680.6 |
|
Visa International, of which: |
9 727.2 |
11 929.9 |
|
debit |
7 626.7 |
11 210.9 |
|
credit |
1 509.4 |
358.2 |
|
ADebit cards with credit limit and prepaid |
591.1 |
360.8 |
|
MasterCard Worldwide, of which: |
6 505.0 |
4 999.5 |
|
debit |
6 384.7 |
4 924.1 |
|
credit |
79.1 |
73.7 |
|
Debit cards with credit limit and prepaid |
41.2 |
1.7 |
|
Quarterly specifications |
As of 01.10.2020 |
As of 01.10.2021 |
|
Number of POS - terminals (units), of which: |
194 477 |
437 680 |
|
commercial enterprises |
185 716 |
429 207 |
|
banks |
8 761 |
8 473 |
|
Number of ATM (units) , of which: |
12 528 |
12 523 |
|
with cash distribution function |
6 752 |
6 826 |
|
with cash reception and distribution functions |
5 776 |
5 697 |
|
Number of commercial enterprises (units) |
102 895 |
241 930 |
|
Number of users of online bank service(thousand units)[1] |
26 993 |
34 967 |
|
Table 2 |
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|
Specifications |
As of 01.11.2021 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
42 573 |
13 485 |
1 717 |
25 194 |
3 992 |
363 |
|
Akmola region |
1 013 |
277 |
77 |
547 |
52 |
14 |
|
Aktobe region |
1 773 |
603 |
95 |
974 |
141 |
18 |
|
Almaty region |
2 061 |
430 |
129 |
1 122 |
100 |
16 |
|
Atyrau region |
1 597 |
481 |
82 |
885 |
110 |
15 |
|
East Kazakhstan reg. |
2 405 |
770 |
147 |
1 294 |
156 |
28 |
|
Jambul region |
1 643 |
482 |
101 |
909 |
105 |
11 |
|
West Kazakhstan reg. |
1 255 |
413 |
66 |
703 |
88 |
12 |
|
Karaganda region |
2 778 |
838 |
212 |
1 550 |
196 |
72 |
|
Kostanai region |
1 495 |
423 |
71 |
821 |
83 |
14 |
|
Kyzylorda region |
1 319 |
412 |
90 |
692 |
103 |
17 |
|
Mangistau region |
1 562 |
473 |
63 |
827 |
118 |
12 |
|
Pavlodar region |
1 458 |
481 |
85 |
833 |
99 |
17 |
|
North Kazakhstan reg. |
801 |
211 |
41 |
433 |
37 |
10 |
|
Turkestan reg. |
1 767 |
127 |
100 |
890 |
41 |
9 |
|
Almaty city |
13 585 |
4 777 |
171 |
9 217 |
1 984 |
56 |
|
Nur-Sultan city |
3 550 |
1 080 |
123 |
2 083 |
300 |
26 |
|
Shymkent city |
2 510 |
1 205 |
65 |
1 415 |
277 |
15 |
|
Table 3 |
||||
|
Specifications |
As of 01.10.2021 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
437 680 |
12 523 |
241 930 |
342 356 |
|
Akmola region |
13 041 |
397 |
5 677 |
9 109 |
|
Aktobe region |
21 249 |
597 |
8 668 |
13 561 |
|
Almaty region |
14 009 |
515 |
4 754 |
7 819 |
|
Atyrau region |
14 469 |
644 |
5 465 |
8 952 |
|
East Kazakhstan reg. |
24 472 |
934 |
9 465 |
15 252 |
|
Jambul region |
12 040 |
504 |
4 416 |
7 655 |
|
West Kazakhstan reg. |
15 715 |
440 |
6 086 |
9 959 |
|
Karaganda region |
35 743 |
1 012 |
14 574 |
22 594 |
|
Kostanai region |
22 658 |
481 |
10 014 |
15 733 |
|
Kyzylorda region |
9 883 |
431 |
3 875 |
6 310 |
|
Mangistau region |
18 118 |
612 |
7 139 |
11 363 |
|
Pavlodar region |
23 173 |
580 |
9 284 |
15 362 |
|
North Kazakhstan reg. |
9 419 |
347 |
3 488 |
6 267 |
|
Turkestan reg. and Shimkent city |
27 978 |
1 110 |
12 385 |
18 694 |
|
Almaty city |
108 891 |
2 444 |
107 568 |
132 198 |
|
Nur-Sultan city |
66 822 |
1 475 |
29 072 |
41 528 |
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 |
|
|
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: |
720 685.4 |
240 842.2 |
|
Visa International |
254 319.7 |
109 257.1 |
|
MasterCard Worldwide |
462 205.2 |
120 988.6 |
|
Volume (mln.tenge), of which; |
26 701 322.1 |
13 415 512.0 |
|
local systems |
19 183 869.9 |
286 717.6 |
|
international systems, of which: |
7 517 452.2 |
13 128 794.4 |
|
Visa International |
3 886 998.9 |
6 921 260.5 |
|
MasterCard Worldwide |
3 577 562.9 |
5 669 020.5 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
5 017 773.6 |
225 862.0 |
|
local systems |
4 080 494.5 |
16 471.7 |
|
international systems, of which: |
937 279.1 |
209 390.4 |
|
Visa International |
571 660.4 |
129 705.5 |
|
MasterCard Worldwide |
358 092.9 |
70 307.4 |
|
Volume (mln.tenge), of which; |
57 677 761.5 |
16 685 039.2 |
|
local systems |
45 779 835.3 |
981 198.5 |
|
international systems, of which: |
11 897 926.3 |
15 703 840.6 |
|
Visa International |
8 062 291.1 |
10 072 108.6 |
|
MasterCard Worldwide |
3 722 778.3 |
5 083 006.7 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 940 831.8 |
56 975 900.6 |
229 378.0 |
16 774 049.7 |
|
Akmola region |
70 681.0 |
727 085.5 |
7 661.5 |
428 771.9 |
|
Aktobe region |
192 230.1 |
1 897 398.0 |
10 919.0 |
677 251.2 |
|
Almaty region |
170 438.6 |
1 884 566.2 |
16 026.2 |
979 872.0 |
|
Atyrau region |
178 916.3 |
2 174 108.8 |
8 655.2 |
678 920.8 |
|
East Kazakhstan reg. |
158 447.5 |
1 658 907.7 |
18 707.1 |
1 059 105.4 |
|
Jambul region |
155 611.5 |
1 602 723.5 |
11 382.1 |
694 566.4 |
|
West Kazakhstan reg. |
110 161.9 |
1 207 828.6 |
8 720.8 |
498 880.8 |
|
Karaganda region |
260 292.1 |
2 819 519.8 |
19 635.8 |
1 203 260.7 |
|
Kostanai region |
115 919.4 |
1 071 641.8 |
10 150.3 |
599 851.9 |
|
Kyzylorda region |
121 731.5 |
1 262 391.0 |
8 137.0 |
499 078.5 |
|
Mangistau region |
176 233.4 |
2 256 558.2 |
8 987.6 |
925 583.8 |
|
Pavlodar region |
122 529.1 |
1 186 618.8 |
11 360.5 |
634 724.3 |
|
North Kazakhstan reg. |
43 291.4 |
448 215.8 |
6 346.5 |
335 183.6 |
|
Turkestan reg. |
121 221.1 |
1 432 151.0 |
11 033.8 |
742 007.8 |
|
Almaty city |
1 993 722.5 |
24 604 458.9 |
37 906.3 |
3 744 157.2 |
|
Nur-Sultan city |
620 176.6 |
6 840 122.9 |
19 494.0 |
1 903 185.3 |
|
Shimkent city |
329 227.9 |
3 901 604.1 |
14 254.3 |
1 169 648.0 |
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 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 940 831.8 |
56 975 900.6 |
229 378.0 |
16 774 049.7 |
|
POS - terminal |
1 682 789.2 |
9 493 373.3 |
3 013.8 |
2 096 918.4 |
|
ATM |
1 388.1 |
101 314.0 |
226 364.1 |
14 677 122.7 |
|
Internet and mobile phone |
3 256 650.7 |
47 380 745.6 |
- |
- |
|
Payment terminals |
3.8 |
467.7 |
0.1 |
8.6 |
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) |
|
|
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 |
|
|
|
2021 |
||||
|
Total, incl. |
71 862.5 |
762 514.2 |
2 513.2 |
163 606.7 |
|
POS - terminal |
29 383.6 |
380 673.0 |
26.2 |
7 414.6 |
|
ATM |
11.3 |
678.6 |
2 487.0 |
156 192.2 |
|
Internet and mobile phone |
42 254.1 |
376 638.0 |
- |
- |
|
others |
213.5 |
4 524.6 |
- |
- |
[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.
