Version ¹221 от 25/02/2022
As of February 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 February 01, 2022, 57.9 million payment cards are in circulation. The most common are debit cards, their share is 75.9%, the share of credit cards is 21.1%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In January 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 6.7 trillion tenge, the number – 456.4 million transactions. At the same time, over the same period of 2021, the number of non-cash transactions increased by 27.9% and reached up to 438.5 million transactions and by 35.7%, reaching 5.4 trillion tenge. The holders of payment cards carried out 18.0 million cash withdrawal operations in the amount of 1.3 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to January 2021 by 9.8%. At the same time, the volume of cash withdrawal operations increased by 3.5%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (65.1% of the total number of transactions and 83.6% of the total volume of non-cash payments and money transfers) and POS terminals (34.9% and 16.1% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (97.2% and 86.6% of the total number and volume of cash withdrawal operations).
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 01.02.2021 |
As of 01.02.2022 |
|
Total number of cards in circulation (thousand), of which: |
49 285,4 |
57 891,2 |
|
local systems |
14 737,9 |
18 965,6 |
|
international systems, of which: |
34 547,6 |
38 925,6 |
|
Visa International, of which: |
23 150,3 |
28 383,0 |
|
debit |
17 124,2 |
23 436,2 |
|
credit |
4 681,0 |
3 199,3 |
|
Debit cards with credit limit and prepaid |
1 345,0 |
1 747,4 |
|
MasterCard Worldwide, of which: |
9 745,6 |
8 886,1 |
|
debit |
9 399,0 |
8 584,6 |
|
credit |
250,3 |
297,2 |
|
Debit cards with credit limit and prepaid |
96,3 |
4,3 |
|
Number of used cards (thousand), of which: |
26 458,5 |
27 737,9 |
|
local systems |
9 913,2 |
10 510,3 |
|
international systems, of which: |
16 545,2 |
17 227,6 |
|
Visa International, of which: |
9 858,8 |
12 117,6 |
|
debit |
8 076,6 |
11 515,3 |
|
credit |
1 445,4 |
337,8 |
|
ADebit cards with credit limit and prepaid |
336,7 |
264,5 |
|
MasterCard Worldwide, of which: |
5 949,3 |
4 420,8 |
|
debit |
5 841,6 |
4 347,1 |
|
credit |
74,4 |
72,4 |
|
Debit cards with credit limit and prepaid |
33,3 |
1,3 |
|
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 01.02.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
43 924 |
12 215 |
1 752 |
24 874 |
2 598 |
266 |
|
Akmola region |
1 036 |
239 |
77 |
533 |
33 |
9 |
|
Aktobe region |
1 779 |
519 |
100 |
949 |
87 |
13 |
|
Almaty region |
2 134 |
367 |
135 |
1 109 |
63 |
12 |
|
Atyrau region |
1 622 |
414 |
87 |
860 |
70 |
11 |
|
East Kazakhstan reg. |
2 461 |
669 |
148 |
1 264 |
97 |
19 |
|
Jambul region |
1 690 |
406 |
103 |
887 |
62 |
8 |
|
West Kazakhstan reg. |
1 283 |
360 |
68 |
681 |
57 |
10 |
|
Karaganda region |
2 824 |
713 |
207 |
1 500 |
113 |
68 |
|
Kostanai region |
1 532 |
370 |
71 |
807 |
53 |
9 |
|
Kyzylorda region |
1 354 |
346 |
87 |
660 |
61 |
8 |
|
Mangistau region |
1 590 |
402 |
67 |
806 |
70 |
9 |
|
Pavlodar region |
1 487 |
416 |
90 |
814 |
59 |
13 |
|
North Kazakhstan reg. |
823 |
184 |
39 |
425 |
23 |
5 |
|
Turkestan reg. |
1 785 |
97 |
104 |
839 |
19 |
7 |
|
Almaty city |
14 277 |
4 757 |
170 |
9 314 |
1 360 |
36 |
|
Nur-Sultan city |
3 637 |
925 |
129 |
2 041 |
193 |
21 |
|
Shymkent city |
2 612 |
1 031 |
67 |
1 384 |
177 |
10 |
|
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 |
|
|
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 |
|
2022 |
||
|
Number of transactions (thousand) of which; |
438 469,3 |
17 958,3 |
|
local systems |
362 523,2 |
1 519,9 |
|
international systems, of which: |
75 946,2 |
16 438,4 |
|
Visa International |
55 836,7 |
11 678,0 |
|
MasterCard Worldwide |
19 348,6 |
4 000,0 |
|
Volume (mln.tenge), of which; |
5 384 410,0 |
1 280 612,1 |
|
local systems |
4 239 853,7 |
88 571,6 |
|
international systems, of which: |
1 144 556,3 |
1 192 040,4 |
|
Visa International |
851 918,4 |
840 845,8 |
|
MasterCard Worldwide |
280 173,8 |
305 362,1 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
424 941,9 |
5 284 389,6 |
18 079,2 |
1 281 581,9 |
|
Akmola region |
5 917,9 |
65 021,5 |
656,4 |
35 929,9 |
|
Aktobe region |
15 967,0 |
171 611,5 |
890,2 |
55 753,6 |
|
Almaty region |
14 584,1 |
169 269,6 |
1 170,1 |
71 419,2 |
|
Atyrau region |
15 636,7 |
205 872,9 |
745,5 |
55 490,7 |
|
East Kazakhstan reg. |
13 454,5 |
155 167,4 |
1 507,6 |
86 983,2 |
|
Jambul region |
12 337,4 |
139 300,5 |
900,1 |
54 948,8 |
|
West Kazakhstan reg. |
9 036,1 |
108 940,1 |
718,4 |
41 871,9 |
|
Karaganda region |
22 554,3 |
266 810,4 |
1 641,3 |
101 977,7 |
|
Kostanai region |
10 075,3 |
98 297,8 |
863,9 |
49 667,5 |
|
Kyzylorda region |
9 723,3 |
111 757,2 |
654,3 |
38 185,0 |
|
Mangistau region |
14 871,0 |
215 258,6 |
713,4 |
66 110,5 |
|
Pavlodar region |
10 164,0 |
111 087,8 |
962,1 |
55 888,0 |
|
North Kazakhstan reg. |
4 079,9 |
43 564,1 |
529,1 |
28 342,2 |
|
Turkestan reg. |
9 741,6 |
123 779,5 |
881,6 |
57 698,9 |
|
Almaty city |
179 198,1 |
2 356 231,6 |
2 498,4 |
238 589,5 |
|
Nur-Sultan city |
49 625,0 |
604 113,3 |
1 681,2 |
156 710,7 |
|
Shimkent city |
27 975,6 |
338 305,8 |
1 065,6 |
86 014,3 |
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 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
424 941,9 |
5 284 389,6 |
18 079,2 |
1 281 581,9 |
|
POS - terminal |
152 791,8 |
831 473,9 |
295,9 |
169 150,6 |
|
ATM |
103,5 |
7 686,9 |
17 783,4 |
1 112 431,3 |
|
Internet and mobile phone |
272 046,6 |
4 445 211,1 |
- |
- |
|
Payment terminals |
0,1 |
17,8 |
- |
- |
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) |
|
|
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 |
|
|
|
2022 |
||||
|
Total, incl. |
8 011,1 |
82 207,4 |
316,3 |
19 655,0 |
|
POS - terminal |
3 302,5 |
45 040,5 |
21,9 |
1 422,9 |
|
ATM |
0,8 |
51,0 |
294,5 |
18 232,1 |
|
Internet and mobile phone |
4 689,5 |
36 891,2 |
- |
- |
|
others |
18,4 |
224,7 |
- |
- |
[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.
