Version ¹227 от 26/08/2022
As of August 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 August 01, 2022, 61,5 million payment cards are in circulation. The most common are debit cards, their share is 78,27%, the share of credit cards is 18,55%. Debit cards with a credit limit and prepaid cards account for 3,17%.
In July 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11,0 trillion tenge, the number – 782,5 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 34,5% and reached up to 760,6 million transactions and amount by 41,5%, reaching 9,2 trillion tenge. The holders of payment cards carried out 21,9 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 July 2021 by 4,3%. At the same time, the volume of cash withdrawal operations increased by 5.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.4% of the total number of transactions and 82.9% of the total volume of non-cash payments and money transfers) and POS terminals (35,6% and 17,9% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.8% and 90,2% 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 01.08.2021 |
As of 01.08.2022 |
Total number of cards in circulation (thousand), of which: |
55 264,5 |
61 490,8 |
local systems |
17 619,1 |
20 654,5 |
international systems, of which: |
37 645,4 |
40 836,2 |
Visa International, of which: |
26 810,5 |
30 913,3 |
debit |
20 495,8 |
27 473,2 |
credit |
4 739,8 |
1 491,1 |
Debit cards with credit limit and prepaid |
1 574,8 |
1 949,1 |
MasterCard Worldwide, of which: |
9 085,3 |
8 312,3 |
debit |
8 822,7 |
7 958,4 |
credit |
258,9 |
350,9 |
Debit cards with credit limit and prepaid |
3,7 |
3,0 |
Number of used cards (thousand), of which: |
26 317,8 |
30 736,1 |
local systems |
10 916,2 |
12 310,4 |
international systems, of which: |
15 401,6 |
18 425,7 |
Visa International, of which: |
9 748,0 |
14 380,3 |
debit |
9 079,8 |
13 822,9 |
credit |
315,2 |
230,6 |
ADebit cards with credit limit and prepaid |
353,0 |
326,8 |
MasterCard Worldwide, of which: |
4 888,1 |
3 421,8 |
debit |
4 808,0 |
3 330,5 |
credit |
78,5 |
90,5 |
Debit cards with credit limit and prepaid |
1,5 |
0,8 |
Quarterly specifications |
01.07.2021 |
01.07.2022 |
Number of POS - terminals (units), of which: |
356 258 |
674 033 |
commercial enterprises |
347 660 |
665 785 |
banks |
8 598 |
8 248 |
Number of ATM (units) , of which: |
12 771 |
12 570 |
with cash distribution function |
6 864 |
5 472 |
with cash reception and distribution functions |
5 907 |
7 098 |
Number of commercial enterprises (units) |
210 760 |
397 313 |
Number of users of online bank service (thousand units)[1] |
16 456,2 |
20 546,7 |
Table 2 |
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Specifications |
As of 01.08.2022 |
|||||
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
Total, incl. |
48 130 |
11 408 |
1 952 |
26 855 |
3 553 |
328 |
Akmola region |
1 106 |
191 |
81 |
556 |
41 |
8 |
Aktobe region |
1 886 |
421 |
111 |
976 |
109 |
16 |
Almaty region |
2 347 |
306 |
150 |
1 227 |
81 |
12 |
Atyrau region |
1 696 |
337 |
97 |
890 |
86 |
13 |
East Kazakhstan reg. |
2 625 |
540 |
160 |
1 313 |
122 |
21 |
Jambul region |
1 797 |
324 |
111 |
917 |
82 |
7 |
West Kazakhstan reg. |
1 387 |
293 |
71 |
710 |
70 |
9 |
Karaganda region |
2 996 |
576 |
219 |
1 554 |
147 |
70 |
Kostanai region |
1 673 |
298 |
75 |
839 |
67 |
8 |
Kyzylorda region |
1 444 |
285 |
94 |
692 |
78 |
7 |
Mangistau region |
1 672 |
322 |
74 |
838 |
88 |
11 |
Pavlodar region |
1 584 |
329 |
101 |
831 |
76 |
16 |
North Kazakhstan reg. |
910 |
147 |
42 |
451 |
28 |
4 |
Turkestan reg. |
1 958 |
85 |
117 |
876 |
24 |
7 |
Almaty city |
16 314 |
5 347 |
223 |
10 680 |
2 010 |
80 |
Shymkent city |
2 815 |
839 |
78 |
1 396 |
211 |
13 |
Nur-Sultan city |
3 920 |
768 |
147 |
2 108 |
234 |
26 |
Table 3 |
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Specifications |
As of 01.07.2022 |
|||
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
Total, incl. |
674 033 |
12 570 |
397 313 |
569 848 |
Akmola region |
22 835 |
395 |
14 085 |
19 804 |
Aktobe region |
33 814 |
605 |
20 609 |
29 279 |
Almaty region |
27 038 |
548 |
15 437 |
23 812 |
Atyrau region |
25 538 |
615 |
15 049 |
22 182 |
East Kazakhstan reg. |
39 725 |
921 |
23 212 |
33 437 |
Jambul region |
22 509 |
517 |
15 010 |
19 462 |
West Kazakhstan reg. |
24 971 |
456 |
14 275 |
20 824 |
Karaganda region |
51 888 |
1 071 |
30 255 |
42 678 |
Kostanai region |
32 796 |
486 |
18 455 |
27 981 |
Kyzylorda region |
17 436 |
405 |
12 547 |
15 976 |
Mangistau region |
30 679 |
623 |
17 377 |
26 764 |
Pavlodar region |
32 922 |
607 |
17 909 |
27 348 |
North Kazakhstan reg. |
15 058 |
323 |
7 849 |
12 539 |
Turkestan reg. |
14 760 |
418 |
15 812 |
13 967 |
Almaty city |
151 571 |
2 343 |
84 610 |
123 073 |
Shimkent city |
37 079 |
764 |
22 334 |
33 407 |
Nur-Sultan city |
93 414 |
1 473 |
52 488 |
77 315 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
Table 4 |
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Specifications |
January-July |
|
Cashless payments |
Cash withdrawals |
|
2021 |
||
Number of transactions (thousand) of which; |
3 192 299,32 |
160 023,15 |
local systems |
2 539 818,22 |
10 376,81 |
international systems, of which: |
652 481,10 |
149 646,34 |
Visa International |
379 397,99 |
90 126,67 |
MasterCard Worldwide |
267 804,83 |
52 862,94 |
Volume (mln.tenge), of which; |
36 426 394,12 |
11 350 999,62 |
local systems |
28 424 601,65 |
570 058,85 |
international systems, of which: |
8 001 792,47 |
10 780 940,77 |
Visa International |
5 286 507,18 |
6 749 511,67 |
MasterCard Worldwide |
2 637 726,31 |
3 643 927,27 |
2022 |
||
Number of transactions (thousand) of which; |
4 548 605,48 |
149 266,50 |
local systems |
3 864 022,50 |
19 225,74 |
international systems, of which: |
684 582,98 |
130 040,76 |
Visa International |
510 830,90 |
97 082,97 |
MasterCard Worldwide |
138 343,42 |
27 528,40 |
Volume (mln.tenge), of which; |
53 599 705,09 |
12 125 435,83 |
local systems |
42 136 710,47 |
1 251 949,70 |
international systems, of which: |
11 462 994,62 |
10 873 486,13 |
Visa International |
7 488 517,75 |
7 995 926,50 |
MasterCard Worldwide |
2 398 658,24 |
2 544 691,83 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
Table 5 |
||||
Specifications |
January-July 2022 |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
Total, incl. |
4 490 761,1 |
52 924 571,8 |
152 666,3 |
12 226 005,4 |
Akmola region |
63 396,6 |
682 750,8 |
5 222,3 |
323 170,2 |
Aktobe region |
158 545,2 |
1 716 483,8 |
7 333,4 |
511 662,3 |
Almaty region |
163 308,8 |
1 836 305,3 |
10 237,9 |
694 457,7 |
Atyrau region |
153 028,7 |
2 025 250,1 |
5 721,1 |
484 876,5 |
East Kazakhstan reg. |
142 114,7 |
1 604 560,2 |
12 287,2 |
765 210,5 |
Jambul region |
131 104,9 |
1 430 236,8 |
7 503,4 |
508 421,2 |
West Kazakhstan reg. |
95 012,8 |
1 095 007,9 |
5 689,4 |
375 331,2 |
Karaganda region |
219 704,1 |
2 602 696,9 |
13 177,6 |
897 360,3 |
Kostanai region |
100 582,6 |
996 711,3 |
6 766,9 |
448 890,4 |
Kyzylorda region |
103 578,0 |
1 204 659,8 |
5 360,6 |
372 487,1 |
Mangistau region |
148 599,9 |
2 013 632,3 |
5 735,7 |
548 050,0 |
Pavlodar region |
103 739,4 |
1 101 718,7 |
7 550,0 |
475 665,4 |
North Kazakhstan reg. |
41 948,4 |
442 530,0 |
4 320,7 |
260 815,4 |
Turkestan reg. |
102 123,3 |
1 333 529,7 |
7 012,2 |
543 623,3 |
Almaty city |
1 967 116,9 |
23 229 084,2 |
26 641,0 |
2 795 875,9 |
Nur-Sultan city |
509 107,3 |
6 099 916,9 |
13 315,3 |
1 424 923,3 |
Shimkent city |
287 749,5 |
3 509 497,2 |
8 791,8 |
795 184,5 |
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-July 2022 |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
Total, incl. |
4 490 761,1 |
52 924 571,8 |
152 666,3 |
12 226 005,4 |
POS - terminal |
1 658 488,4 |
8 962 596,0 |
1 948,1 |
1 409 254,8 |
ATM |
668,5 |
80 806,6 |
150 718,1 |
10 816 750,6 |
Internet and mobile phone |
2 831 603,1 |
43 881 013,3 |
- |
- |
Payment terminals |
1,1 |
155,9 |
- |
- |
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-July |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
2021 |
||||
Total, incl. |
47 443,1 |
494 638,0 |
1 598,6 |
103 701,6 |
POS - terminal |
18 426,2 |
237 884,9 |
18,05 |
4 658,68 |
ATM |
8,5 |
508,3 |
1 580,54 |
99 042,72 |
Internet and mobile phone |
28 861,3 |
253 120,1 |
- |
- |
others |
147,1 |
3 124,7 |
0,0 |
0,2 |
2022 |
||||
Total, incl. |
50 533,2 |
849 345,8 |
2 006,0 |
130 599,5 |
POS - terminal |
20 655,2 |
450 054,7 |
37,1 |
6 255,7 |
ATM |
7,3 |
481,3 |
1 968,9 |
124 343,9 |
Internet and mobile phone |
29 723,7 |
389 283,6 |
- |
- |
others |
147,1 |
9 526,2 |
- |
- |
[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.