Version ¹220 от 04/02/2022
As of January 01, 2022 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 January 01, 2022 banks have issued 59,3 mln. The most widespread ones are the debit cards with the share of 73,62%, the share of credit cards – 23,34%. The share of debit cards with credit limit and share of prepaid cards is 3,04%.
In January-December 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 93,7 trln. Tenge. The number of transactions amounted to – 6 542.5 million transactions.
At the same time, the number of non-cash transactions increased 2,2 times (the number amounted to 6 271,3 million units) and the amount (2,1 times the volume amounted to 73,1 trln. tenge). Card holders conducted 271,1 million withdrawals in the amount of 20,6 trln. tenge. There is an increase in the volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 23,9%. However, there is a decrease in the number of operations compared to the corresponding indicator of 2020 by 8,8%
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (66,9% and 83,4% out of the total number of payments and volume of cashless payments) and POS-terminals (33,1% 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 87,2% 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 01.01.2021 |
As of 01.01.2022 |
|
Total number of cards in circulation (thousand), of which: |
47 965,7 |
59 258,3 |
|
local systems |
14 057,3 |
19 649,5 |
|
international systems, of which: |
33 908,4 |
39 608,8 |
|
Visa International, of which: |
22 348,5 |
28 904,9 |
|
debit |
16 414,8 |
23 060,9 |
|
credit |
4 616,9 |
4 047,7 |
|
Debit cards with credit limit and prepaid |
1 316,8 |
1 796,2 |
|
MasterCard Worldwide, of which: |
9 936,1 |
9 024,6 |
|
debit |
9 588,9 |
8 726,3 |
|
credit |
250,2 |
294,0 |
|
Debit cards with credit limit and prepaid |
96,9 |
4,3 |
|
Number of used cards (thousand), of which: |
26 779,2 |
30 412,8 |
|
local systems |
9 634,7 |
12 191,9 |
|
international systems, of which: |
17 144,5 |
18 220,9 |
|
Visa International, of which: |
10 101,9 |
12 684,1 |
|
debit |
8 169,6 |
11 911,7 |
|
credit |
1 577,6 |
380,4 |
|
ADebit cards with credit limit and prepaid |
354,7 |
392,0 |
|
MasterCard Worldwide, of which: |
6 301,1 |
4 809,8 |
|
debit |
6 185,8 |
4 720,1 |
|
credit |
78,8 |
88,2 |
|
Debit cards with credit limit and prepaid |
36,4 |
1,6 |
|
Quarterly specifications |
As of 01.01.2021 |
As of 01.01.2022 |
|
Number of POS - terminals (units), of which: |
211 764 |
509 194 |
|
commercial enterprises |
202 979 |
500 684 |
|
banks |
8 785 |
8 510 |
|
Number of ATM (units) , of which: |
12 728 |
12 443 |
|
with cash distribution function |
6 551 |
6 195 |
|
with cash reception and distribution functions |
6 177 |
6 248 |
|
Number of commercial enterprises (units) |
108 159 |
273 947 |
|
Number of users of online bank service(thousand units)[1] |
28 730 |
39 548 |
|
Table 2 |
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|
Specifications |
As of 01.01.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
43 628 |
13 830 |
1 801 |
25 855 |
4 165 |
394 |
|
Akmola region |
1 032 |
273 |
79 |
560 |
54 |
13 |
|
Aktobe region |
1 802 |
596 |
100 |
988 |
141 |
17 |
|
Almaty region |
2 113 |
424 |
135 |
1 154 |
101 |
17 |
|
Atyrau region |
1 617 |
475 |
87 |
897 |
110 |
15 |
|
East Kazakhstan reg. |
2 445 |
762 |
150 |
1 320 |
157 |
26 |
|
Jambul region |
1 678 |
475 |
103 |
928 |
106 |
10 |
|
West Kazakhstan reg. |
1 277 |
409 |
68 |
714 |
91 |
12 |
|
Karaganda region |
2 813 |
826 |
206 |
1 573 |
199 |
75 |
|
Kostanai region |
1 525 |
419 |
72 |
840 |
86 |
13 |
|
Kyzylorda region |
1 340 |
407 |
90 |
703 |
102 |
13 |
|
Mangistau region |
1 584 |
466 |
66 |
842 |
118 |
12 |
|
Pavlodar region |
1 482 |
475 |
90 |
842 |
101 |
16 |
|
North Kazakhstan reg. |
818 |
209 |
41 |
443 |
38 |
8 |
|
Turkestan reg. |
1 759 |
112 |
103 |
887 |
29 |
9 |
|
Almaty city |
14 130 |
5 227 |
217 |
9 604 |
2 140 |
98 |
|
Nur-Sultan city |
3 620 |
1 065 |
128 |
2 106 |
298 |
27 |
|
Shymkent city |
2 593 |
1 210 |
67 |
1 453 |
296 |
14 |
|
Table 3 |
||||
|
Specifications |
As of 01.01.2022 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
509 194 |
12 443 |
273 947 |
414 567 |
|
Akmola region |
15 402 |
409 |
8 653 |
13 209 |
|
Aktobe region |
25 793 |
587 |
14 201 |
21 481 |
|
Almaty region |
15 531 |
502 |
8 702 |
12 841 |
|
Atyrau region |
19 552 |
634 |
10 529 |
16 112 |
|
East Kazakhstan reg. |
30 509 |
924 |
16 169 |
24 795 |
|
Jambul region |
15 491 |
505 |
8 010 |
12 827 |
|
West Kazakhstan reg. |
18 375 |
455 |
9 564 |
14 879 |
|
Karaganda region |
41 796 |
1 028 |
22 323 |
33 408 |
|
Kostanai region |
25 870 |
488 |
14 142 |
21 736 |
|
Kyzylorda region |
11 526 |
423 |
6 380 |
9 795 |
|
Mangistau region |
23 066 |
607 |
12 472 |
19 313 |
|
Pavlodar region |
26 924 |
595 |
13 929 |
22 162 |
|
North Kazakhstan reg. |
11 753 |
356 |
5 411 |
9 313 |
|
Turkestan reg. and Shimkent city |
34 424 |
1 096 |
22 132 |
32 452 |
|
Almaty city |
119 088 |
2 402 |
60 733 |
91 288 |
|
Nur-Sultan city |
74 094 |
1 432 |
40 597 |
58 956 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
2 878 476,0 |
297 390,3 |
|
local systems |
1 979 329,9 |
9 846,1 |
|
international systems, of which: |
899 146,1 |
287 544,2 |
|
Visa International |
340 276,6 |
134 965,5 |
|
MasterCard Worldwide |
553 572,7 |
140 109,3 |
|
Volume (mln.tenge), of which; |
35 294 805,6 |
16 620 486,8 |
|
local systems |
25 635 425,6 |
392 452,2 |
|
international systems, of which: |
9 659 380,0 |
16 228 034,6 |
|
Visa International |
5 179 820,3 |
8 713 007,5 |
|
MasterCard Worldwide |
4 410 663,6 |
6 870 991,1 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
6 271 337,6 |
271 148,2 |
|
local systems |
5 132 567,2 |
20 995,3 |
|
international systems, of which: |
1 138 770,4 |
250 152,9 |
|
Visa International |
716 074,6 |
157 969,6 |
|
MasterCard Worldwide |
413 445,4 |
81 127,5 |
|
Volume (mln.tenge), of which; |
73 123 296,7 |
20 589 962,0 |
|
local systems |
58 304 597,7 |
1 298 014,8 |
|
international systems, of which: |
14 818 699,1 |
19 291 947,3 |
|
Visa International |
10 189 814,1 |
12 567 200,2 |
|
MasterCard Worldwide |
4 487 834,7 |
6 074 346,6 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 161 328,2 |
72 257 009,0 |
275 343,4 |
20 689 684,3 |
|
Akmola region |
88 229,4 |
927 632,9 |
9 231,0 |
528 170,6 |
|
Aktobe region |
237 631,4 |
2 403 853,0 |
13 095,6 |
835 109,7 |
|
Almaty region |
213 509,1 |
2 400 509,6 |
19 181,1 |
1 200 662,7 |
|
Atyrau region |
221 458,9 |
2 739 228,8 |
10 412,7 |
833 137,9 |
|
East Kazakhstan reg. |
198 054,4 |
2 131 437,2 |
22 463,2 |
1 301 933,3 |
|
Jambul region |
192 233,4 |
2 021 725,1 |
13 675,5 |
851 561,4 |
|
West Kazakhstan reg. |
136 903,3 |
1 525 261,8 |
10 418,6 |
614 482,0 |
|
Karaganda region |
324 523,1 |
3 617 507,7 |
23 601,6 |
1 487 551,8 |
|
Kostanai region |
144 611,8 |
1 368 212,1 |
12 184,7 |
739 763,7 |
|
Kyzylorda region |
151 349,2 |
1 600 094,7 |
9 747,3 |
610 106,0 |
|
Mangistau region |
217 806,3 |
2 825 130,9 |
10 753,9 |
1 104 067,4 |
|
Pavlodar region |
152 844,1 |
1 522 454,8 |
13 594,6 |
784 053,1 |
|
North Kazakhstan reg. |
55 124,7 |
579 054,4 |
7 592,4 |
411 857,9 |
|
Turkestan reg. |
148 687,2 |
1 790 556,3 |
13 167,0 |
900 532,4 |
|
Almaty city |
2 504 248,7 |
31 230 512,2 |
45 850,7 |
4 670 044,0 |
|
Nur-Sultan city |
763 802,6 |
8 651 016,9 |
23 451,1 |
2 382 312,6 |
|
Shimkent city |
410 310,7 |
4 922 820,7 |
16 922,6 |
1 434 337,7 |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 161 328,2 |
72 257 009,0 |
275 343,4 |
20 689 684,3 |
|
POS - terminal |
2 111 261,8 |
12 014 681,7 |
3 641,3 |
2 651 322,9 |
|
ATM |
1 612,1 |
122 733,3 |
271 702,1 |
18 038 352,8 |
|
Internet and mobile phone |
4 048 450,2 |
60 119 062,3 |
- |
- |
|
Payment terminals |
4,1 |
531,8 |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
61 493,9 |
581 573,2 |
2 462,7 |
161 800,1 |
|
POS - terminal |
24 974,8 |
276 913,8 |
26,7 |
8 001,7 |
|
ATM |
13,8 |
745,8 |
2 436,1 |
153 798,4 |
|
Internet and mobile phone |
36 279,3 |
298 339,1 |
|
|
|
others |
226,0 |
5 574,4 |
|
|
|
2021 |
||||
|
Total, incl. |
90 470,7 |
967 004,0 |
3 176,1 |
206 602,7 |
|
POS - terminal |
37 206,7 |
487 766,7 |
32,0 |
9 221,8 |
|
ATM |
13,2 |
822,8 |
3 144,2 |
197 380,8 |
|
Internet and mobile phone |
52 979,6 |
472 916,1 |
- |
- |
|
others |
271,2 |
5 498,4 |
- |
- |
[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.
