Version ¹230 от 28/11/2022
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 |
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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 |
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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 |
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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.