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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

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

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

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.

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