Version ¹234 от 27/03/2023
As of March 01, 2023 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 and Diners Club 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 March 01, 2023, 66.5 million payment cards are in circulation. The most common are debit cards, their share is 78.9%, the share of credit cards is 17.9%. Debit cards with a credit limit and prepaid cards account for 3.2%.
In February 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 10.9 trillion tenge, the number – 792.4 million transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 33.3% and reached up to 774.0 million transactions and by 35.0%, reaching 9.3 trillion tenge. The holders of payment cards carried out 18.3 million cash withdrawal operations in the amount of 1.6 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to February 2022 by 5.2%. At the same time, the volume of cash withdrawal operations increased by 1.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.1% of the total number of transactions and 82.1% of the total volume of non-cash payments and money transfers) and POS terminals (35.9% and 17.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.7% 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 01.03.2022 |
As of 01.03.2023 |
Total number of cards in circulation (thousand), of which: |
56 875,5 |
66 495,4 |
local systems |
19 219,8 |
22 655,4 |
international systems, of which: |
37 655,7 |
43 840,0 |
Visa International, of which: |
27 342,0 |
33 935,1 |
debit |
23 892,2 |
30 685,6 |
credit |
1 655,0 |
1 137,9 |
Debit cards with credit limit and prepaid |
1 794,8 |
2 111,6 |
MasterCard Worldwide, of which: |
8 698,0 |
8 306,3 |
debit |
8 393,2 |
7 970,4 |
credit |
300,6 |
327,5 |
Debit cards with credit limit and prepaid |
4,2 |
8,4 |
Number of used cards (thousand), of which: |
29 140,4 |
33 111,0 |
local systems |
11 211,0 |
13 303,6 |
international systems, of which: |
17 929,4 |
19 807,4 |
Visa International, of which: |
12 882,4 |
16 657,0 |
debit |
12 193,7 |
15 843,3 |
credit |
364,1 |
362,9 |
ADebit cards with credit limit and prepaid |
324,6 |
450,8 |
MasterCard Worldwide, of which: |
4 365,5 |
2 596,6 |
debit |
4 285,2 |
2 526,1 |
credit |
79,0 |
68,2 |
Debit cards with credit limit and prepaid |
1,3 |
2,3 |
Quarterly specifications |
As of 01.01.2022 |
As of 01.01.2023 |
Number of POS - terminals (units), of which: |
509 194 |
831 780 |
commercial enterprises |
500 684 |
815 501 |
banks |
8 510 |
16 279 |
Number of ATM (units) , of which: |
12 443 |
12 391 |
with cash distribution function |
6 195 |
5 378 |
with cash reception and distribution functions |
6 248 |
7 013 |
Number of commercial enterprises (units) |
273 947 |
567 687 |
Number of users of online bank service(thousand units)[1] |
19 288,87 |
22 912,09 |
Table 2 |
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Specifications |
As of 01.03.2023 |
|||||
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
Total, incl. |
52 491 |
11 884 |
2 120 |
28 838 |
3 820 |
453 |
Akmola region |
1 193 |
183 |
85 |
574 |
42 |
12 |
Aktobe region |
2 001 |
393 |
119 |
992 |
104 |
22 |
Almaty region |
2 649 |
296 |
159 |
1 334 |
76 |
17 |
Atyrau region |
1 758 |
312 |
99 |
893 |
84 |
14 |
East Kazakhstan reg. |
2 802 |
506 |
164 |
1 344 |
123 |
27 |
Jambul region |
1 916 |
315 |
114 |
929 |
75 |
9 |
West Kazakhstan reg. |
1 466 |
275 |
76 |
735 |
70 |
11 |
Karaganda region |
3 183 |
545 |
219 |
1 581 |
144 |
78 |
Kostanai region |
1 774 |
278 |
79 |
860 |
65 |
12 |
Kyzylorda region |
1 543 |
278 |
98 |
702 |
70 |
9 |
Mangistau region |
1 755 |
288 |
79 |
854 |
81 |
14 |
Pavlodar region |
1 663 |
306 |
104 |
848 |
75 |
22 |
North Kazakhstan reg. |
1 007 |
138 |
45 |
481 |
29 |
7 |
Turkestan reg. |
2 143 |
85 |
127 |
902 |
22 |
11 |
Almaty city |
18 417 |
6 173 |
324 |
12 162 |
2 327 |
134 |
Nur-Sultan city |
2 991 |
797 |
72 |
1 434 |
206 |
16 |
Shymkent city |
4 229 |
715 |
157 |
2 214 |
228 |
38 |
Table 3 |
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Specifications |
As of 01.01.2023 |
|||
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
Total, incl. |
831 780 |
12 391 |
567 687 |
778 988 |
Akmola region |
27 894 |
400 |
18 678 |
25 736 |
Aktobe region |
41 532 |
606 |
28 992 |
39 319 |
Almaty region |
45 116 |
539 |
50 514 |
46 711 |
Atyrau region |
32 410 |
592 |
21 996 |
30 475 |
East Kazakhstan reg. |
47 990 |
940 |
31 597 |
42 935 |
Jambul region |
28 736 |
518 |
23 432 |
27 967 |
West Kazakhstan reg. |
30 109 |
453 |
19 564 |
27 160 |
Karaganda region |
61 467 |
1 070 |
39 600 |
54 320 |
Kostanai region |
39 344 |
480 |
23 153 |
34 836 |
Kyzylorda region |
21 756 |
407 |
20 054 |
23 077 |
Mangistau region |
37 241 |
600 |
25 011 |
35 751 |
Pavlodar region |
39 105 |
587 |
22 155 |
33 631 |
North Kazakhstan reg. |
18 340 |
338 |
10 671 |
15 947 |
Turkestan reg. and Shimkent city |
21 222 |
429 |
27 296 |
23 271 |
Almaty city |
180 764 |
2 261 |
98 114 |
167 188 |
Nur-Sultan city |
47 285 |
748 |
34 134 |
49 546 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
Table 4 |
||
Specifications |
January-February |
|
Cashless payments |
Cash withdrawals |
|
2022 |
||
Number of transactions (thousand) of which; |
1 019 347,76 |
37 306,82 |
local systems |
849 931,85 |
3 495,85 |
international systems, of which: |
169 415,91 |
33 810,98 |
Visa International |
126 057,74 |
24 160,67 |
MasterCard Worldwide |
41 736,35 |
8 126,96 |
Volume (mln.tenge), of which; |
12 241 771,11 |
2 872 006,37 |
local systems |
9 755 261,56 |
219 632,81 |
international systems, of which: |
2 486 509,55 |
2 652 373,56 |
Visa International |
1 850 335,87 |
1 879 972,76 |
MasterCard Worldwide |
609 468,23 |
679 164,04 |
2023 |
||
Number of transactions (thousand) of which; |
1 516 050,73 |
35 604,45 |
local systems |
1 275 691,05 |
7 294,37 |
international systems, of which: |
240 359,68 |
28 310,08 |
Visa International |
184 257,59 |
23 424,58 |
MasterCard Worldwide |
24 599,65 |
3 733,53 |
Volume (mln.tenge), of which; |
18 060 961,83 |
3 110 209,38 |
local systems |
13 555 724,89 |
524 743,84 |
international systems, of which: |
4 505 236,94 |
2 585 465,54 |
Visa International |
2 543 959,58 |
2 069 039,66 |
MasterCard Worldwide |
700 959,96 |
435 235,65 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
Table 5 |
||||
Specifications |
January-February |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
Total, incl. |
1 513 740,9 |
18 051 990,3 |
36 725,1 |
3 138 110,4 |
Akmola region |
21 878,8 |
231 053,9 |
1 214,2 |
78 807,1 |
Aktobe region |
50 337,1 |
568 717,8 |
1 699,1 |
125 570,9 |
Almaty region |
57 667,3 |
668 365,2 |
2 543,3 |
180 457,2 |
Atyrau region |
47 683,8 |
640 051,1 |
1 285,8 |
112 989,5 |
East Kazakhstan reg. |
50 975,7 |
558 811,4 |
2 750,5 |
188 246,6 |
Jambul region |
40 460,3 |
464 404,2 |
1 772,8 |
126 501,8 |
West Kazakhstan reg. |
34 404,9 |
378 843,1 |
1 244,6 |
92 490,2 |
Karaganda region |
67 353,5 |
817 151,3 |
3 051,8 |
227 750,3 |
Kostanai region |
33 496,9 |
345 555,3 |
1 549,9 |
111 332,3 |
Kyzylorda region |
33 146,4 |
392 711,3 |
1 241,3 |
89 471,7 |
Mangistau region |
47 447,3 |
665 463,8 |
1 361,4 |
131 762,4 |
Pavlodar region |
35 497,3 |
372 671,1 |
1 744,0 |
117 722,6 |
North Kazakhstan reg. |
14 844,4 |
157 081,3 |
996,8 |
63 123,5 |
Turkestan reg. |
30 799,2 |
431 481,2 |
1 596,9 |
131 360,5 |
Almaty city |
701 646,1 |
8 149 203,4 |
7 438,9 |
823 619,1 |
Nur-Sultan city |
160 938,7 |
2 098 536,4 |
3 173,4 |
345 001,7 |
Shimkent city |
85 163,1 |
1 111 888,5 |
2 060,3 |
191 903,3 |
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-February 2023 |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
Total, incl. |
1 513 740,9 |
18 051 990,3 |
36 725,1 |
3 138 110,4 |
POS - terminal |
576 275,8 |
3 274 721,3 |
459,7 |
278 918,7 |
ATM |
131,7 |
17 972,9 |
36 265,3 |
2 859 191,8 |
Internet and mobile phone |
937 333,3 |
14 759 278,3 |
- |
- |
Payment terminals |
0,1 |
17,8 |
- |
- |
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-February |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
2022 |
||||
Total, incl. |
16 531,2 |
172 214,4 |
621,8 |
40 114,3 |
POS - terminal |
6 715,2 |
89 580,5 |
24,56 |
2 360,29 |
ATM |
1,6 |
109,5 |
597,26 |
37 753,99 |
Internet and mobile phone |
9 764,3 |
81 779,5 |
- |
- |
others |
50,1 |
744,9 |
- |
- |
2023 |
||||
Total, incl. |
20 419,9 |
374 043,1 |
665,1 |
56 458,3 |
POS - terminal |
9 018,6 |
206 777,9 |
7,0 |
2 258,9 |
ATM |
4,3 |
307,8 |
658,1 |
54 199,4 |
Internet and mobile phone |
11 200,6 |
161 239,3 |
- |
- |
others |
196,5 |
5 718,1 |
- |
- |
[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.