Version ¹231 от 27/12/2022
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 |
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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 |
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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 |
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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-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.