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As of November 01, 2022 actual origination of the payment cards were realized by 18 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 November 01, 2022, 63.6 million payment cards are in circulation. The most common are debit cards, their share is 78.63%, the share of credit cards is 18.25%. Debit cards with a credit limit and prepaid cards account for 3.12%.

In October 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11.6 trillion tenge, the number – 831.4 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 28.7% and reached up to 810.3 million transactions and amount by 31.8%, reaching 9.8 trillion tenge. The holders of payment cards carried out 21.0 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 October 2021 by 3.8%, in the volume of cash withdrawal operations by 0.02%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (63.9% of the total number of transactions and 82.4% of the total volume of non-cash payments and money transfers) and POS terminals (36.1% and 17.3% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.9% and 91.6% 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

Specifications

As of 01.11.2021

As of 01.11.2022

Total number of cards in circulation (thousand), of which:

57 774,6

63 562,9

local systems

18 943,8

21 552,7

international systems, of which:

38 830,8

42 010,2

Visa International, of which:

27 951,2

32 247,7

debit

22 069,1

28 980,5

credit

4 169,6

1 285,4

Debit cards with credit limit and prepaid

1 712,4

1 981,9

MasterCard Worldwide, of which:

9 152,2

8 105,8

debit

8 882,9

7 752,7

credit

265,2

350,8

Debit cards with credit limit and prepaid

4,2

2,3

Number of used cards (thousand), of which:

29 548,8

32 240,9

local systems

11 868,2

12 934,8

international systems, of which:

17 680,6

19 306,1

Visa International, of which:

11 929,9

15 757,2

debit

11 210,9

14 966,4

credit

358,2

392,8

ADebit cards with credit limit and prepaid

360,8

398,0

MasterCard Worldwide, of which:

4 999,5

2 947,8

debit

4 924,1

2 872,2

credit

73,7

74,9

Debit cards with credit limit and prepaid

1,7

0,7

Quarterly specifications

01.10.2021

01.10.2022

Number of  POS - terminals (units), of which:

437 680

748 982

commercial enterprises

429 207

732 503

banks

8 473

16 479

Number of ATM (units) , of which:

12 523

12 452

with cash distribution function

6 826

5 301

with cash reception and distribution functions

5 697

7 151

Number of commercial enterprises (units)

241 930

508 502

Number  of users of online bank service (thousand units)[1]

18 073,93

21 796,90

 

Table 2

Specifications

As of 01.11.2022

Total number of cards in circulation (thousand)

Number of used payment cards (thousand)

debit

credit

others[2]

debit

credit

others2

Total, incl.

49 977

11 602

1 984

27 988

3 854

399

Akmola region

1 143

186

83

567

44

11

Aktobe region

1 946

408

115

994

113

20

Almaty region

2 527

304

153

1 324

79

16

Atyrau region

1 723

323

98

903

90

14

East Kazakhstan reg.

2 708

521

162

1 331

132

25

Jambul region

1 861

322

112

930

80

9

West Kazakhstan reg.

1 424

285

74

732

76

11

Karaganda region

3 106

563

220

1 582

154

76

Kostanai region

1 723

289

77

862

70

11

Kyzylorda region

1 483

284

95

700

75

8

Mangistau region

1 711

298

76

853

87

13

Pavlodar region

1 625

319

101

844

80

21

North Kazakhstan reg.

953

141

43

469

31

6

Turkestan reg.

2 059

86

121

896

23

10

Almaty city

17 038

5 707

240

11 391

2 257

96

Shymkent city

2 879

820

67

1 417

219

14

Nur-Sultan city

4 069

746

148

2 194

242

36

 

 

 

 

 

 

 

 

Table 3

Specifications

As of 01.10.2022

Number of POS-terminals

Number of ATMs

Number of enterprises[3]

Number of outlets

Total, incl.

748 982

12 452

508 502

672 272

Akmola region

25 555

390

17 152

22 694

Aktobe region

37 397

598

26 146

34 059

Almaty region

31 519

553

39 765

32 604

Atyrau region

28 559

602

19 474

25 943

East Kazakhstan reg.

43 966

944

28 661

38 053

Jambul region

25 840

520

20 599

24 014

West Kazakhstan reg.

27 377

450

17 488

23 625

Karaganda region

56 495

1 066

37 121

48 413

Kostanai region

36 887

477

22 717

31 719

Kyzylorda region

19 422

400

17 302

19 288

Mangistau region

34 029

598

22 281

31 095

Pavlodar region

35 988

605

21 639

30 276

North Kazakhstan reg.

16 775

319

11 126

14 236

Turkestan reg.

17 282

422

21 609

18 030

Almaty city

167 642

2 322

92 336

147 533

Shimkent city

41 353

743

29 733

40 947

Nur-Sultan city

102 896

1 443

63 353

89 743

 

Use of payment cards, issued by the banks of Kazakhstan, in and outside the country

Table 4

Specifications

January-October

Cashless payments

Cash withdrawals

2021

Number of transactions (thousand) of which;

5 017 773,61

225 862,05

local systems

4 080 494,47

16 471,69

international systems, of which:

937 279,14

209 390,36

Visa International

571 660,37

129 705,50

MasterCard Worldwide

358 092,86

70 307,43

Volume (mln.tenge), of which;

57 677 761,55

16 685 039,15

local systems

45 779 835,30

981 198,54

international systems, of which:

11 897 926,25

15 703 840,62

Visa International

8 062 291,07

10 072 108,61

MasterCard Worldwide

3 722 778,28

5 083 006,65

2022

Number of transactions (thousand) of which;

6 937 606,13

212 627,86

local systems

5 896 099,39

30 555,27

international systems, of which:

1 041 506,73

182 072,59

Visa International

775 551,52

138 472,18

MasterCard Worldwide

184 659,41

36 039,85

Volume (mln.tenge), of which;

82 252 131,07

17 535 601,30

local systems

63 868 067,51

2 060 344,93

international systems, of which:

18 384 063,57

15 475 256,37

Visa International

11 336 796,66

11 582 019,02

MasterCard Worldwide

3 478 562,04

3 425 302,27

 

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

Table 5

Specifications

January-October 2022

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

6 865 695,8

81 332 680,9

219 626,6

17 868 081,1

Akmola region

97 314,3

1 055 863,6

7 430,9

467 606,4

Aktobe region

239 553,2

2 636 721,6

10 714,9

764 740,3

Almaty region

247 211,1

2 803 606,9

14 620,9

1 004 323,3

Atyrau region

231 073,5

3 060 726,6

8 100,3

690 656,0

East Kazakhstan reg.

218 151,2

2 447 871,4

17 229,6

1 082 912,5

Jambul region

198 441,7

2 196 714,1

10 702,0

731 855,7

West Kazakhstan reg.

148 657,1

1 696 644,2

8 258,6

570 968,6

Karaganda region

329 591,1

3 950 517,3

18 796,8

1 291 351,7

Kostanai region

152 701,2

1 549 945,8

9 657,5

658 019,9

Kyzylorda region

156 767,7

1 868 195,2

7 569,5

530 676,4

Mangistau region

225 103,9

3 012 262,1

8 168,3

769 599,6

Pavlodar region

157 206,5

1 688 533,5

10 730,7

682 880,8

North Kazakhstan reg.

65 091,0

696 594,5

6 312,3

397 784,9

Turkestan reg.

154 417,7

2 056 506,9

9 914,7

778 846,9

Almaty city

3 032 323,3

35 668 162,2

39 800,2

4 247 660,1

Nur-Sultan city

777 081,2

9 506 725,3

19 209,7

2 067 036,3

Shimkent city

435 010,1

5 437 089,5

12 409,7

1 131 161,8

 

 

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-October 2022

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

6 865 695,8

81 332 680,9

219 626,6

17 868 081,1

POS - terminal

2 558 827,6

13 976 770,5

2 663,3

1 891 762,4

ATM

934,2

118 112,6

216 963,2

15 976 318,7

Internet and mobile phone

4 305 932,8

67 237 585,6

-

-

Payment terminals

1,3

212,1

-

-

 

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-October

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

2021

Total, incl.

71 862,5

762 514,2

2 513,2

163 606,7

POS - terminal

29 383,6

380 673,0

26,19

7 414,56

ATM

11,3

678,6

2 486,97

156 192,18

Internet and mobile phone

42 254,1

376 638,0

-

-

others

213,5

4 524,6

-

-

2022

Total, incl.

75 743,3

1 343 148,3

2 863,1

195 348,8

POS - terminal

31 674,3

714 257,9

44,5

8 085,7

ATM

12,8

964,6

2 818,7

187 263,1

Internet and mobile phone

43 685,2

608 395,6

-

-

others

371,0

19 530,1

-

-

 

 

[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.

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