Version ¹222 от 29/03/2022

As of March 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 March 01, 2022, 56.9 million payment cards are in circulation. The most common are debit cards, their share is 77.8%, the share of credit cards is 19.0%. Debit cards with a credit limit and prepaid cards account for 3.2%.

In February 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 8.5 trillion tenge, the number – 600.2 million transactions. At the same time, over the same period of 2021, the number of non-cash transactions increased by 31.5% and reached up to 580.9 million transactions and by 26.8%, reaching 6.9 trillion tenge. The holders of payment cards carried out 19.3 million cash withdrawal operations in the amount of 1.6 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to February 2021 by 10.3%. At the same time, the volume of cash withdrawal operations increased by 11.6%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (65.7% of the total number of transactions and 83.6% of the total volume of non-cash payments and money transfers) and POS terminals (34.2% 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 (98.5% and 86.9% 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
Specifications	As of 01.03.2021	As of 01.03.2022
Total number of cards in circulation (thousand), of which:	50 299,4	56 875,5
local systems	15 178,7	19 219,8
international systems, of which:	35 120,7	37 655,7
Visa International, of which:	23 820,1	27 342,0
debit	17 753,3	23 892,2
credit	4 686,8	1 655,0
Debit cards with credit limit and prepaid	1 380,0	1 794,8
MasterCard Worldwide, of which:	9 630,4	8 698,0
debit	9 280,4	8 393,2
credit	253,8	300,6
Debit cards with credit limit and prepaid	96,2	4,2
Number of used cards (thousand), of which:	27 319,6	29 140,4
local systems	10 140,4	11 211,0
international systems, of which:	17 179,2	17 929,4
Visa International, of which:	10 430,6	12 882,4
debit	8 669,5	12 193,7
credit	1 422,0	364,1
ADebit cards with credit limit and prepaid	339,1	324,6
MasterCard Worldwide, of which:	5 992,5	4 365,5
debit	5 886,1	4 285,2
credit	75,2	79,0
Debit cards with credit limit and prepaid	31,1	1,3
Quarterly specifications	01.01.2021	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
Specifications	As of 01.03.2022
	Total number of cards in circulation (thousand)			Number of used payment cards (thousand)
	debit	credit	others[2]	debit	credit	others²
Total, incl.	44 276	10 801	1 799	25 724	3 091	326
Akmola region	1 036	194	79	547	39	11
Aktobe region	1 779	427	103	974	99	16
Almaty region	2 160	310	138	1 156	74	15
Atyrau region	1 620	342	90	880	80	14
East Kazakhstan reg.	2 470	547	151	1 302	114	23
Jambul region	1 706	326	105	915	74	9
West Kazakhstan reg.	1 289	299	69	703	67	11
Karaganda region	2 819	587	212	1 545	133	76
Kostanai region	1 541	304	72	829	62	11
Kyzylorda region	1 367	288	90	689	71	9
Mangistau region	1 593	327	69	827	82	12
Pavlodar region	1 488	334	92	827	70	15
North Kazakhstan reg.	826	149	40	436	27	6
Turkestan reg.	1 822	83	105	882	22	8
Almaty city	14 494	4 628	182	9 715	1 652	50
Nur-Sultan city	2 620	860	70	1 421	203	13
Shymkent city	3 644	797	133	2 077	220	26

Table 3
Specifications	As of 01.01.2022
Specifications	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
Specifications	January-February
Specifications	Cashless payments	Cash withdrawals
2021
Number of transactions (thousand) of which;	703 127,28	41 478,36
local systems	534 896,27	2 239,01
international systems, of which:	168 231,01	39 239,35
Visa International	89 028,04	22 402,42
MasterCard Worldwide	77 943,60	15 017,05
Volume (mln.tenge), of which;	7 769 822,82	2 663 696,45
local systems	5 885 144,54	105 455,54
international systems, of which:	1 884 678,28	2 558 240,91
Visa International	1 186 503,35	1 518 983,89
MasterCard Worldwide	680 452,22	935 123,25
2022
Number of transactions (thousand) of which;	1 019 347,76	37 306,82
local systems	849 931,85	3 495,85
international systems, of which:	169 415,91	33 810,98
Visa International	126 057,74	24 160,67
MasterCard Worldwide	41 736,35	8 126,96
Volume (mln.tenge), of which;	12 241 771,11	2 872 006,37
local systems	9 755 261,56	219 632,81
international systems, of which:	2 486 509,55	2 652 373,56
Visa International	1 850 335,87	1 879 972,76
MasterCard Worldwide	609 468,23	679 164,04

Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions

Table 5
Specifications	January-February 2022
	Cashless payments		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
Total, incl.	991 111,9	12 050 524,6	37 792,7	2 880 282,1
Akmola region	14 006,6	151 994,1	1 340,3	78 088,1
Aktobe region	36 598,7	390 038,2	1 841,8	121 859,8
Almaty region	34 657,2	392 306,1	2 510,5	162 139,8
Atyrau region	35 318,6	470 822,6	1 507,0	122 102,4
East Kazakhstan reg.	31 765,4	362 349,7	3 155,4	189 669,2
Jambul region	29 171,1	322 525,0	1 889,4	123 009,9
West Kazakhstan reg.	21 154,1	248 334,2	1 459,1	90 857,7
Karaganda region	52 315,2	611 958,7	3 325,5	219 526,4
Kostanai region	23 122,2	223 484,0	1 744,9	106 981,6
Kyzylorda region	23 211,3	260 631,1	1 365,6	86 693,3
Mangistau region	34 139,8	477 147,8	1 475,7	143 148,2
Pavlodar region	23 756,8	252 899,7	1 929,1	118 026,7
North Kazakhstan reg.	9 573,8	99 435,5	1 078,4	60 590,5
Turkestan reg.	22 530,7	284 129,6	1 826,3	128 101,2
Almaty city	421 581,1	5 358 199,6	5 732,3	590 517,2
Nur-Sultan city	113 536,5	1 371 298,8	3 359,4	346 257,7
Shimkent city	64 672,9	772 970,2	2 252,2	192 712,5

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-February 2022
	Cashless payments		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
Total, incl.	991 111,9	12 050 524,6	37 792,7	2 880 282,1
POS - terminal	352 717,6	1 921 998,5	589,2	378 002,2
ATM	195,8	16 506,3	37 203,6	2 502 279,9
Internet and mobile phone	638 198,3	10 111 974,6	-	-
Payment terminals	0,3	45,3	-	-

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-February
	Cashless payments		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
2021
Total, incl.	12 783,9	119 080,0	363,4	24 015,4
POS - terminal	4 331,3	52 816,9	6,04	1 260,88
ATM	2,4	141,2	357,39	22 754,54
Internet and mobile phone	8 416,8	65 323,4	-	-
others	33,4	798,5	-	-
2022
Total, incl.	16 531,2	172 214,4	621,8	40 114,3
POS - terminal	6 715,2	89 580,5	24,6	2 360,3
ATM	1,6	109,5	597,3	37 754,0
Internet and mobile phone	9 764,3	81 779,5	-	-
others	50,1	744,9	-	-

[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.