Version ¹223 от 27/04/2022
As of April 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. 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 April 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 March 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 9.9 trillion tenge, the number – 680.9 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 52.9% and reached up to 658.9 million transactions and amount by 62.8%, reaching 8.0 trillion tenge. The holders of payment cards carried out 22.0 million cash withdrawal operations in the amount of 1.8 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to March 2021 by 8.0%. At the same time, the volume of cash withdrawal operations increased by 12.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (66.0% of the total number of transactions and 84.1% of the total volume of non-cash payments and money transfers) and POS terminals (33.9% and 15.7% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.7% 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 |
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|
Specifications |
As of 01.04.2021 |
As of 01.04.2022 |
|
Total number of cards in circulation (thousand), of which: |
51 502,7 |
57 683,7 |
|
local systems |
15 724,8 |
19 502,0 |
|
international systems, of which: |
35 777,9 |
38 181,8 |
|
Visa International, of which: |
24 570,4 |
28 022,8 |
|
debit |
18 435,0 |
24 527,0 |
|
credit |
4 710,7 |
1 646,7 |
|
Debit cards with credit limit and prepaid |
1 424,8 |
1 849,1 |
|
MasterCard Worldwide, of which: |
9 519,8 |
8 553,4 |
|
debit |
9 166,4 |
8 236,7 |
|
credit |
260,2 |
313,0 |
|
Debit cards with credit limit and prepaid |
93,2 |
3,7 |
|
Number of used cards (thousand), of which: |
27 523,8 |
29 338,6 |
|
local systems |
10 492,2 |
11 058,4 |
|
international systems, of which: |
17 031,6 |
18 280,3 |
|
Visa International, of which: |
10 548,1 |
13 410,8 |
|
debit |
8 901,4 |
12 688,2 |
|
credit |
1 291,4 |
374,8 |
|
ADebit cards with credit limit and prepaid |
355,2 |
347,8 |
|
MasterCard Worldwide, of which: |
5 709,9 |
4 188,5 |
|
debit |
5 594,0 |
4 111,6 |
|
credit |
87,5 |
75,8 |
|
Debit cards with credit limit and prepaid |
28,4 |
1,1 |
|
Quarterly specifications |
01.04.2021 |
01.04.2022 |
|
Number of POS - terminals (units), of which: |
333 165 |
559 916 |
|
commercial enterprises |
324 510 |
551 538 |
|
banks |
8 655 |
8 378 |
|
Number of ATM (units) , of which: |
12 652 |
12 907 |
|
with cash distribution function |
6 389 |
5 949 |
|
with cash reception and distribution functions |
6 263 |
6 958 |
|
Number of commercial enterprises (units) |
161 851 |
323 790 |
|
Number of users of online bank service (thousand units)[1] |
15 179,1 |
20 213,7 |
|
Table 2 |
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|
Specifications |
As of 01.04.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
44 882 |
10 949 |
1 853 |
26 233 |
2 757 |
349 |
|
Akmola region |
1 047 |
194 |
80 |
556 |
33 |
12 |
|
Aktobe region |
1 789 |
427 |
108 |
982 |
87 |
19 |
|
Almaty region |
2 185 |
310 |
142 |
1 177 |
60 |
17 |
|
Atyrau region |
1 629 |
343 |
93 |
888 |
70 |
15 |
|
East Kazakhstan reg. |
2 490 |
548 |
154 |
1 318 |
103 |
25 |
|
Jambul region |
1 721 |
326 |
108 |
921 |
58 |
10 |
|
West Kazakhstan reg. |
1 296 |
299 |
70 |
709 |
60 |
12 |
|
Karaganda region |
2 841 |
587 |
215 |
1 563 |
115 |
74 |
|
Kostanai region |
1 571 |
304 |
74 |
840 |
55 |
12 |
|
Kyzylorda region |
1 378 |
288 |
92 |
694 |
54 |
10 |
|
Mangistau region |
1 604 |
327 |
70 |
838 |
69 |
13 |
|
Pavlodar region |
1 507 |
335 |
94 |
839 |
61 |
16 |
|
North Kazakhstan reg. |
837 |
150 |
41 |
444 |
24 |
7 |
|
Turkestan reg. |
1 845 |
83 |
109 |
889 |
16 |
10 |
|
Almaty city |
14 807 |
4 772 |
193 |
10 033 |
1 535 |
55 |
|
Shymkent city |
2 650 |
860 |
73 |
1 433 |
157 |
13 |
|
Nur-Sultan city |
3 686 |
796 |
137 |
2 110 |
198 |
28 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.2022 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
559 916 |
12 907 |
323 790 |
480 232 |
|
Akmola region |
17 518 |
422 |
10 149 |
15 020 |
|
Aktobe region |
28 325 |
604 |
16 614 |
24 705 |
|
Almaty region |
16 962 |
561 |
10 643 |
15 041 |
|
Atyrau region |
21 672 |
658 |
12 357 |
18 517 |
|
East Kazakhstan reg. |
34 447 |
964 |
19 259 |
29 074 |
|
Jambul region |
17 491 |
526 |
9 949 |
15 148 |
|
West Kazakhstan reg. |
20 175 |
470 |
11 154 |
16 860 |
|
Karaganda region |
46 054 |
1 090 |
26 116 |
38 418 |
|
Kostanai region |
28 490 |
509 |
16 238 |
24 503 |
|
Kyzylorda region |
13 375 |
426 |
8 157 |
11 877 |
|
Mangistau region |
26 000 |
641 |
14 691 |
22 498 |
|
Pavlodar region |
28 933 |
633 |
15 780 |
24 498 |
|
North Kazakhstan reg. |
12 786 |
347 |
6 393 |
10 782 |
|
Turkestan reg. |
9 670 |
440 |
7 969 |
10 180 |
|
Almaty city |
128 450 |
2 428 |
72 446 |
107 775 |
|
Shimkent city |
30 504 |
711 |
19 702 |
28 655 |
|
Nur-Sultan city |
79 064 |
1 477 |
46 173 |
66 681 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2021 |
||
|
Number of transactions (thousand) of which; |
1 134 158,54 |
65 400,69 |
|
local systems |
867 870,99 |
3 629,29 |
|
international systems, of which: |
266 287,55 |
61 771,40 |
|
Visa International |
143 472,21 |
35 672,72 |
|
MasterCard Worldwide |
120 777,72 |
23 297,45 |
|
Volume (mln.tenge), of which; |
12 692 719,61 |
4 292 161,83 |
|
local systems |
9 653 778,01 |
174 842,02 |
|
international systems, of which: |
3 038 941,59 |
4 117 319,81 |
|
Visa International |
1 932 339,87 |
2 458 006,72 |
|
MasterCard Worldwide |
1 077 125,12 |
1 498 645,85 |
|
2022 |
||
|
Number of transactions (thousand) of which; |
1 678 231,21 |
59 319,89 |
|
local systems |
1 409 096,32 |
5 970,96 |
|
international systems, of which: |
269 134,89 |
53 348,93 |
|
Visa International |
202 734,08 |
38 578,72 |
|
MasterCard Worldwide |
63 869,55 |
12 446,84 |
|
Volume (mln.tenge), of which; |
20 258 412,10 |
4 710 755,15 |
|
local systems |
16 264 642,70 |
385 281,04 |
|
international systems, of which: |
3 993 769,39 |
4 325 474,11 |
|
Visa International |
2 990 249,14 |
3 096 165,54 |
|
MasterCard Worldwide |
960 932,00 |
1 087 077,09 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
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|
Specifications |
January-March 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 639 872,8 |
19 979 496,9 |
60 137,5 |
4 722 609,3 |
|
Akmola region |
23 172,1 |
254 580,1 |
2 099,9 |
125 516,2 |
|
Aktobe region |
59 907,3 |
646 421,2 |
2 884,6 |
195 787,2 |
|
Almaty region |
58 065,7 |
656 227,4 |
4 014,0 |
265 335,1 |
|
Atyrau region |
57 575,8 |
782 867,3 |
2 345,5 |
197 276,7 |
|
East Kazakhstan reg. |
52 461,2 |
608 186,2 |
4 982,8 |
305 171,8 |
|
Jambul region |
48 413,9 |
535 330,2 |
2 994,9 |
199 510,1 |
|
West Kazakhstan reg. |
34 947,8 |
412 194,1 |
2 275,2 |
145 629,3 |
|
Karaganda region |
84 271,8 |
1 006 163,4 |
5 242,6 |
352 828,1 |
|
Kostanai region |
37 702,9 |
373 748,9 |
2 721,0 |
173 467,3 |
|
Kyzylorda region |
38 814,9 |
437 101,4 |
2 157,8 |
142 290,2 |
|
Mangistau region |
56 164,8 |
798 656,6 |
2 362,5 |
232 767,9 |
|
Pavlodar region |
39 145,0 |
421 771,2 |
3 026,4 |
189 808,0 |
|
North Kazakhstan reg. |
15 860,5 |
168 310,0 |
1 702,9 |
98 080,7 |
|
Turkestan reg. |
37 274,0 |
471 071,3 |
2 860,5 |
206 387,5 |
|
Almaty city |
704 597,9 |
8 846 947,8 |
9 587,1 |
1 011 072,7 |
|
Nur-Sultan city |
185 562,5 |
2 280 328,4 |
5 314,8 |
565 553,7 |
|
Shimkent city |
105 934,8 |
1 279 591,4 |
3 564,9 |
316 126,9 |
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 |
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|
Specifications |
January-March 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 639 872,8 |
19 979 496,9 |
60 137,5 |
4 722 609,3 |
|
POS - terminal |
583 704,7 |
3 170 918,6 |
879,6 |
619 415,3 |
|
ATM |
293,7 |
26 952,3 |
59 257,9 |
4 103 194,0 |
|
Internet and mobile phone |
1 055 874,0 |
16 781 568,0 |
- |
- |
|
Payment terminals |
0,4 |
58,0 |
- |
- |
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-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2021 |
||||
|
Total, incl. |
19 921,3 |
190 928,6 |
588,3 |
38 782,5 |
|
POS - terminal |
6 983,0 |
88 107,6 |
8,26 |
1 825,11 |
|
ATM |
3,7 |
211,3 |
580,06 |
36 957,35 |
|
Internet and mobile phone |
12 879,8 |
101 312,5 |
- |
- |
|
others |
54,7 |
1 297,2 |
- |
- |
|
2022 |
||||
|
Total, incl. |
23 763,2 |
264 183,6 |
976,2 |
64 678,5 |
|
POS - terminal |
9 527,8 |
139 653,5 |
27,6 |
3 807,7 |
|
ATM |
2,1 |
136,6 |
948,6 |
60 870,8 |
|
Internet and mobile phone |
14 167,1 |
123 388,7 |
- |
- |
|
others |
66,2 |
1 004,9 |
- |
- |
[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.
