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As of December 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 December 01, 2022, 64.4 million payment cards are in circulation. The most common are debit cards, their share is 78.66%, the share of credit cards is 18.22%. Debit cards with a credit limit and prepaid cards account for 3.12%.

In November 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 12.0 trillion tenge, the number – 810.2 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 28.2% and reached up to 790.4 million transactions and amount by 30.7%, reaching 10.2 trillion tenge. The holders of payment cards carried out 19.9 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 November 2021 by 4.4% and increase in the volume of cash withdrawal operations by 0.2%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (63.7% of the total number of transactions and 80.6% of the total volume of non-cash payments and money transfers) and POS terminals (36.2% and 19.1% 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 91.1% 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 01.12.2021

As of 01.12.2022

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

58 550,0

64 353,2

local systems

19 325,3

21 887,4

international systems, of which:

39 224,7

42 465,9

Visa International, of which:

28 418,0

32 738,7

debit

22 562,3

29 476,3

credit

4 104,1

1 257,1

Debit cards with credit limit and prepaid

1 751,6

2 005,4

MasterCard Worldwide, of which:

9 118,9

8 075,2

debit

8 833,6

7 729,2

credit

280,9

343,8

Debit cards with credit limit and prepaid

4,4

2,2

Number of used cards (thousand), of which:

29 829,3

33 002,2

local systems

12 029,4

13 461,7

international systems, of which:

17 799,9

19 540,5

Visa International, of which:

12 214,0

16 132,5

debit

11 489,6

15 298,6

credit

361,5

394,9

ADebit cards with credit limit and prepaid

363,0

439,0

MasterCard Worldwide, of which:

4 853,6

2 821,3

debit

4 766,6

2 746,0

credit

85,3

74,6

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 01.12.2022

Total number of cards in circulation (thousand)

Number of used payment cards (thousand)

debit

credit

others[2]

debit

credit

others2

Total, incl.

50 619

11 727

2 008

28 267

4 295

440

Akmola region

1 151

186

83

568

48

11

Aktobe region

1 962

404

115

996

130

21

Almaty region

2 567

302

155

1 334

88

17

Atyrau region

1 736

320

98

904

101

14

East Kazakhstan reg.

2 735

519

162

1 340

145

26

Jambul region

1 878

321

112

932

90

9

West Kazakhstan reg.

1 435

284

74

733

85

11

Karaganda region

3 125

559

216

1 586

172

76

Kostanai region

1 733

286

77

866

77

11

Kyzylorda region

1 500

283

96

703

86

9

Mangistau region

1 721

296

77

857

97

14

Pavlodar region

1 635

317

101

845

88

21

North Kazakhstan reg.

967

141

43

476

34

6

Turkestan reg.

2 085

86

123

898

25

10

Almaty city

17 376

5 870

259

11 600

2 518

132

Shymkent city

2 904

816

67

1 426

250

15

Nur-Sultan city

4 108

738

150

2 202

263

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-November

Cashless payments

Cash withdrawals

2021

Number of transactions (thousand) of which;

5 629 107,09

246 622,59

local systems

4 596 052,45

18 562,16

international systems, of which:

1 033 054,64

228 060,43

Visa International

639 569,94

142 517,02

MasterCard Worldwide

385 148,65

75 348,57

Volume (mln.tenge), of which;

65 079 399,46

18 478 667,77

local systems

51 855 309,90

1 130 903,95

international systems, of which:

13 224 089,56

17 347 763,81

Visa International

9 023 630,40

11 204 287,08

MasterCard Worldwide

4 074 408,22

5 545 256,01

2022

Number of transactions (thousand) of which;

7 727 983,15

232 481,89

local systems

6 564 839,45

34 363,43

international systems, of which:

1 163 143,70

198 118,46

Visa International

866 893,46

151 507,27

MasterCard Worldwide

198 067,84

38 427,04

Volume (mln.tenge), of which;

92 475 074,88

19 332 688,65

local systems

71 722 645,23

2 355 484,48

international systems, of which:

20 752 429,65

16 977 204,17

Visa International

12 661 741,40

12 770 963,05

MasterCard Worldwide

3 839 918,28

3 697 205,14

 

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

Table 5

Specifications

January-November 2022

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

7 650 875,9

 91 501 365,73  

240 463,3

19 724 906,3

Akmola region

108 439,1

 1 183 968,22  

8 108,4

513 054,3

Aktobe region

266 042,3

 2 959 972,53  

11 720,2

842 561,2

Almaty region

277 755,1

 3 180 827,33  

16 007,1

1 106 346,2

Atyrau region

256 319,3

 3 412 300,76  

8 829,3

754 785,4

East Kazakhstan reg.

243 997,9

 2 749 202,45  

18 772,7

1 187 268,2

Jambul region

220 013,4

 2 461 166,17  

11 692,6

803 855,2

West Kazakhstan reg.

166 414,0

 1 913 003,67  

8 997,5

630 502,2

Karaganda region

365 304,6

 4 414 505,69  

20 518,1

1 419 224,4

Kostanai region

170 046,7

 1 746 512,30  

10 556,6

725 759,1

Kyzylorda region

174 147,1

 2 090 686,60  

8 252,1

581 269,0

Mangistau region

249 833,2

 3 360 369,08  

8 912,3

840 082,0

Pavlodar region

174 961,8

 1 893 563,16  

11 719,2

750 422,1

North Kazakhstan reg.

72 669,0

 783 586,27  

6 892,8

437 162,2

Turkestan reg.

171 022,8

 2 299 138,51  

10 814,4

853 394,0

Almaty city

3 387 814,4

 40 240 131,72  

44 092,6

4 760 910,7

Nur-Sultan city

864 351,3

 10 706 470,00  

21 004,1

2 273 050,5

Shimkent city

481 743,9

 6 105 961,27  

13 573,3

1 245 259,5

 

 

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-November 2022

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

7 650 875,9

91 501 365,8

240 463,3

19 724 906,3

POS - terminal

2 857 329,6

15 946 140,9

2 902,5

2 053 029,7

ATM

1 018,7

128 175,1

237 560,8

17 671 876,6

Internet and mobile phone

4 792 526,2

75 426 820,0

-

-

Payment terminals

1,4

229,7

-

-

 

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-November

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

2021

Total, incl.

80 936,4

862 756,5

2 832,2

184 745,6

POS - terminal

33 248,5

433 527,4

28,92

8 250,24

ATM

12,2

750,9

2 803,29

176 495,34

Internet and mobile phone

47 441,8

423 659,7

-

-

others

233,9

4 818,5

-

-

2022

Total, incl.

86 668,9

1 535 454,0

3 203,4

223 209,6

POS - terminal

36 382,1

815 240,0

47,5

9 052,7

ATM

14,6

1 083,8

3 155,9

214 156,9

Internet and mobile phone

49 781,5

697 016,5

-

-

others

490,8

22 113,6

-

-

 

 

[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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