Version ¹219 on 27/12/2021
As of December 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 December 01, 2021 banks have issued 58,6 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-November 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 83,6 trln. Tenge. The number of transactions amounted to – 5 875.7 million transactions.
At the same time, the number of non-cash transactions increased 2,2 times (the number amounted to 5629,1 million units) and the amount (2,1 times the volume amounted to 65,1 trln. tenge). Card holders conducted 246,6million withdrawals in the amount of 18,5 trln. tenge. There is an increase in the volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 24,3%. 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 (67,0% and 83,4% out of the total number of payments and volume of cashless payments) and POS-terminals (32,9% and 16,2% 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 87,3% 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 01.12.2020 |
As of 01.12.2021 |
|
Total number of cards in circulation (thousand), of which: |
46 754.5 |
58 550.0 |
|
local systems |
13 293.7 |
19 325.3 |
|
international systems, of which: |
33 460.8 |
39 224.7 |
|
Visa International, of which: |
21 763.7 |
28 418.0 |
|
debit |
15 845.9 |
22 562.3 |
|
credit |
4 662.8 |
4 104.1 |
|
Debit cards with credit limit and prepaid |
1 255.0 |
1 751.6 |
|
MasterCard Worldwide, of which: |
10 096.0 |
9 399.8 |
|
debit |
9 735.6 |
8 833.6 |
|
credit |
249.1 |
280.9 |
|
Debit cards with credit limit and prepaid |
111.4 |
285.3 |
|
Number of used cards (thousand), of which: |
25 835.5 |
29 829.3 |
|
local systems |
9 158.9 |
12 029.4 |
|
international systems, of which: |
16 676.6 |
17 799.9 |
|
Visa International, of which: |
9 616.6 |
12 214.0 |
|
debit |
7 698.0 |
11 489.6 |
|
credit |
1 576.4 |
361.5 |
|
ADebit cards with credit limit and prepaid |
342.2 |
363.0 |
|
MasterCard Worldwide, of which: |
6 345.6 |
4 853.6 |
|
debit |
6 229.7 |
4 766.6 |
|
credit |
77.9 |
85.3 |
|
Debit cards with credit limit and prepaid |
37.9 |
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 |
||||||
|
Specifications |
As of 01.12.2021 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
43 129 |
13 665 |
1 756 |
25 337 |
4 128 |
365 |
|
Akmola region |
1 022 |
276 |
79 |
550 |
54 |
14 |
|
Aktobe region |
1 787 |
603 |
98 |
973 |
149 |
17 |
|
Almaty region |
2 088 |
427 |
133 |
1 132 |
101 |
16 |
|
Atyrau region |
1 605 |
480 |
84 |
883 |
115 |
15 |
|
East Kazakhstan reg. |
2 429 |
767 |
150 |
1 300 |
160 |
28 |
|
Jambul region |
1 658 |
479 |
102 |
912 |
105 |
10 |
|
West Kazakhstan reg. |
1 269 |
412 |
67 |
707 |
92 |
12 |
|
Karaganda region |
2 798 |
831 |
211 |
1 553 |
198 |
73 |
|
Kostanai region |
1 512 |
422 |
72 |
827 |
86 |
14 |
|
Kyzylorda region |
1 329 |
412 |
92 |
691 |
107 |
17 |
|
Mangistau region |
1 575 |
470 |
64 |
831 |
120 |
12 |
|
Pavlodar region |
1 472 |
478 |
88 |
833 |
101 |
16 |
|
North Kazakhstan reg. |
811 |
210 |
41 |
436 |
37 |
9 |
|
Turkestan reg. |
1 741 |
112 |
101 |
870 |
29 |
9 |
|
Almaty city |
13 892 |
4 999 |
179 |
9 338 |
2 080 |
60 |
|
Nur-Sultan city |
3 587 |
1 071 |
127 |
2 080 |
299 |
28 |
|
Shymkent city |
2 556 |
1 216 |
67 |
1 424 |
296 |
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-November |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
2 506 942.0 |
271 313.7 |
|
local systems |
1 702 693.7 |
8 691.3 |
|
international systems, of which: |
804 248.3 |
262 622.4 |
|
Visa International |
292 878.5 |
120 968.8 |
|
MasterCard Worldwide |
506 694.9 |
130 157.8 |
|
Volume (mln.tenge), of which; |
30 606 599.0 |
14 868 365.7 |
|
local systems |
22 117 710.2 |
334 506.3 |
|
international systems, of which: |
8 488 888.8 |
14 533 859.4 |
|
Visa International |
4 464 362.4 |
7 719 532.6 |
|
MasterCard Worldwide |
3 964 792.0 |
6 225 246.0 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
5 629 107.1 |
246 622.6 |
|
local systems |
4 596 052.5 |
18 562.2 |
|
international systems, of which: |
1 033 054.6 |
228 060.4 |
|
Visa International |
639 569.9 |
142 517.0 |
|
MasterCard Worldwide |
385 148.6 |
75 348.6 |
|
Volume (mln.tenge), of which; |
65 079 399.5 |
18 478 667.8 |
|
local systems |
51 855 309.9 |
1 130 904.0 |
|
international systems, of which: |
13 224 089.6 |
17 347 763.8 |
|
Visa International |
9 023 630.4 |
11 204 287.1 |
|
MasterCard Worldwide |
4 074 408.2 |
5 545 256.0 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 534 927.6 |
64 289 132.8 |
250 411.3 |
18 568 769.9 |
|
Akmola region |
79 062.3 |
821 474.2 |
8 373.6 |
473 933.7 |
|
Aktobe region |
214 155.6 |
2 138 712.6 |
11 911.0 |
749 638.4 |
|
Almaty region |
191 604.8 |
2 135 184.1 |
17 445.5 |
1 080 221.3 |
|
Atyrau region |
199 638.1 |
2 438 589.4 |
9 470.7 |
749 490.7 |
|
East Kazakhstan reg. |
177 456.9 |
1 879 735.9 |
20 418.4 |
1 170 050.7 |
|
Jambul region |
173 482.8 |
1 805 060.2 |
12 414.0 |
765 720.0 |
|
West Kazakhstan reg. |
123 256.6 |
1 359 566.9 |
9 516.3 |
552 846.1 |
|
Karaganda region |
290 953.8 |
3 192 300.6 |
21 447.0 |
1 332 523.8 |
|
Kostanai region |
129 726.7 |
1 211 888.4 |
11 081.0 |
664 581.2 |
|
Kyzylorda region |
136 068.5 |
1 422 896.2 |
8 865.7 |
549 876.9 |
|
Mangistau region |
196 147.8 |
2 515 999.1 |
9 796.0 |
1 004 905.0 |
|
Pavlodar region |
137 073.0 |
1 342 666.2 |
12 373.7 |
701 870.5 |
|
North Kazakhstan reg. |
48 930.6 |
510 510.1 |
6 919.6 |
371 100.4 |
|
Turkestan reg. |
134 466.1 |
1 605 970.7 |
12 013.3 |
814 766.8 |
|
Almaty city |
2 244 779.9 |
27 826 070.1 |
41 558.7 |
4 176 301.0 |
|
Nur-Sultan city |
689 438.6 |
7 679 577.4 |
21 327.6 |
2 118 510.3 |
|
Shimkent city |
368 685.6 |
4 402 930.9 |
15 479.4 |
1 292 433.3 |
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-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 534 927.6 |
64 289 132.8 |
250 411.3 |
18 568 769.9 |
|
POS - terminal |
1 887 176.9 |
10 664 665.2 |
3 316.5 |
2 352 974.2 |
|
ATM |
1 496.2 |
111 386.6 |
247 094.8 |
16 215 787.1 |
|
Internet and mobile phone |
3 646 250.6 |
53 512 585.2 |
- |
- |
|
Payment terminals |
3.9 |
495.8 |
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-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
54 214.4 |
514 515.4 |
2 260.3 |
147 121.9 |
|
POS - terminal |
22 488.6 |
247 043.7 |
24.0 |
7 312.5 |
|
ATM |
12.4 |
641.3 |
2 236.3 |
139 809.4 |
|
Internet and mobile phone |
31 514.0 |
261 834.5 |
|
|
|
others |
199.4 |
4 996.0 |
|
|
|
2021 |
||||
|
Total, incl. |
80 936.4 |
862 756.5 |
2 832.2 |
184 745.6 |
|
POS - terminal |
33 248.5 |
433 527.4 |
28.9 |
8 250.2 |
|
ATM |
12.2 |
750.9 |
2 803.3 |
176 495.3 |
|
Internet and mobile phone |
47 441.8 |
423 659.7 |
- |
- |
|
others |
233.9 |
4 818.5 |
- |
- |
[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.
