Version ¹236 от 30/05/2023
As of May 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 May 01, 2023, 68.9 million payment cards are in circulation. The most common are debit cards, their share is 80.0%, the share of credit cards is 17.3%. Debit cards with a credit limit and prepaid cards account for 2.7%.
In April 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 12.4 trillion tenge, the number – 904.4 million transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 36.4% and reached up to 883.5 million transactions and by 41.6%, reaching 10.5 trillion tenge. The holders of payment cards carried out 20.4 million cash withdrawal operations in the amount of 1.9 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to April 2022 by 8.5%. At the same time, the volume of cash withdrawal operations increased by 2.1%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.5% of the total number of transactions and 88.8% of the total volume of non-cash payments and money transfers) and POS terminals (19.5% and 11.0% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.3% and 89.4% 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.
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Table 1 |
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|
Specifications |
As of 01.05.2022 |
As of 01.05.2023 |
|
Total number of cards in circulation (thousand), of which: |
58 639,0 |
68 984,8 |
|
local systems |
19 802,0 |
23 077,6 |
|
international systems, of which: |
38 837,0 |
45 907,2 |
|
Visa International, of which: |
28 849,4 |
35 721,2 |
|
debit |
25 388,3 |
32 868,9 |
|
credit |
1 610,4 |
1 200,5 |
|
Debit cards with credit limit and prepaid |
1 850,7 |
1 651,8 |
|
MasterCard Worldwide, of which: |
8 373,2 |
8 555,4 |
|
debit |
8 051,8 |
8 225,2 |
|
credit |
318,1 |
147,0 |
|
Debit cards with credit limit and prepaid |
3,3 |
183,3 |
|
Number of used cards (thousand), of which: |
29 755,9 |
35 674,1 |
|
local systems |
11 590,2 |
14 507,5 |
|
international systems, of which: |
18 165,7 |
21 166,6 |
|
Visa International, of which: |
13 575,0 |
17 991,9 |
|
debit |
12 940,4 |
17 402,1 |
|
credit |
293,9 |
378,3 |
|
ADebit cards with credit limit and prepaid |
340,7 |
211,5 |
|
MasterCard Worldwide, of which: |
3 918,8 |
2 634,0 |
|
debit |
3 844,8 |
2 557,8 |
|
credit |
73,0 |
44,2 |
|
Debit cards with credit limit and prepaid |
1,0 |
31,9 |
|
Quarterly specifications |
As of 01.04.2022 |
As of 01.04.2023 |
|
Number of POS - terminals (units), of which: |
559 916 |
867 685 |
|
commercial enterprises |
551 538 |
851 975 |
|
banks |
8 378 |
15 710 |
|
Number of ATM (units) , of which: |
12 907 |
12 436 |
|
with cash distribution function |
5 949 |
5 336 |
|
with cash reception and distribution functions |
6 958 |
7 100 |
|
Number of commercial enterprises (units) |
323 790 |
649 571 |
|
Number of users of online bank service(thousand units)[1] |
20 213,68 |
23 095,39 |
|
Table 2 |
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|
Specifications |
As of 01.05.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
55 189 |
11 961 |
1 835 |
31 375 |
4 056 |
243 |
|
Akmola region |
1 494 |
279 |
90 |
795 |
121 |
13 |
|
Aktobe region |
2 333 |
524 |
107 |
1 277 |
216 |
13 |
|
Almaty region |
2 531 |
248 |
162 |
1 330 |
160 |
17 |
|
Atyrau region |
2 004 |
477 |
91 |
1 134 |
167 |
9 |
|
East Kazakhstan reg. |
1 857 |
439 |
152 |
972 |
136 |
18 |
|
Jambul region |
2 250 |
459 |
120 |
1 173 |
199 |
10 |
|
West Kazakhstan reg. |
1 783 |
348 |
75 |
1 020 |
150 |
9 |
|
Karaganda region |
3 127 |
622 |
135 |
1 703 |
244 |
17 |
|
Kostanai region |
2 051 |
438 |
88 |
1 101 |
138 |
14 |
|
Kyzylorda region |
1 897 |
367 |
104 |
1 013 |
176 |
11 |
|
Mangistau region |
2 042 |
411 |
69 |
1 127 |
181 |
8 |
|
Pavlodar region |
1 911 |
406 |
96 |
1 037 |
148 |
14 |
|
North Kazakhstan reg. |
1 201 |
232 |
50 |
617 |
68 |
8 |
|
Turkestan reg. |
2 645 |
225 |
136 |
1 319 |
167 |
14 |
|
Almaty city |
15 588 |
4 284 |
161 |
10 094 |
887 |
35 |
|
Shymkent city |
3 259 |
706 |
51 |
1 642 |
251 |
6 |
|
Astana city |
4 511 |
963 |
139 |
2 472 |
394 |
27 |
|
Jetysu reg. |
653 |
214 |
4 |
447 |
97 |
1 |
|
Abay reg. |
1 456 |
230 |
4 |
766 |
107 |
1 |
|
Ulytau reg. |
597 |
88 |
2 |
335 |
49 |
0 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.2023 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
867 685 |
12 436 |
649 571 |
850 804 |
|
Akmola region |
29 042 |
400 |
21 503 |
27 200 |
|
Aktobe region |
42 157 |
612 |
33 371 |
41 288 |
|
Almaty region |
61 293 |
531 |
58 264 |
81 576 |
|
Atyrau region |
33 390 |
592 |
24 922 |
32 161 |
|
East Kazakhstan reg. |
49 544 |
930 |
36 585 |
45 284 |
|
Jambul region |
29 737 |
530 |
27 295 |
29 585 |
|
West Kazakhstan reg. |
30 792 |
441 |
22 538 |
28 507 |
|
Karaganda region |
62 603 |
1 086 |
43 797 |
56 085 |
|
Kostanai region |
41 071 |
485 |
26 089 |
36 676 |
|
Kyzylorda region |
21 513 |
404 |
23 162 |
23 958 |
|
Mangistau region |
37 268 |
601 |
28 627 |
37 477 |
|
Pavlodar region |
39 966 |
587 |
24 477 |
34 772 |
|
North Kazakhstan reg. |
18 997 |
341 |
12 004 |
16 610 |
|
Turkestan reg. |
22 665 |
431 |
32 350 |
25 975 |
|
Almaty city |
183 932 |
2 267 |
110 842 |
175 068 |
|
Shimkent city |
46 993 |
749 |
39 716 |
51 563 |
|
Astana city |
116 722 |
1 449 |
84 029 |
107 019 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
2 325 754,66 |
81 646,94 |
|
local systems |
1 966 463,24 |
8 920,55 |
|
international systems, of which: |
359 291,42 |
72 726,39 |
|
Visa International |
272 711,84 |
53 098,31 |
|
MasterCard Worldwide |
83 195,41 |
16 520,96 |
|
Volume (mln.tenge), of which; |
27 706 812,81 |
6 552 131,23 |
|
local systems |
22 364 052,42 |
570 837,43 |
|
international systems, of which: |
5 342 760,39 |
5 981 293,80 |
|
Visa International |
4 007 752,53 |
4 314 681,79 |
|
MasterCard Worldwide |
1 278 043,89 |
1 476 721,62 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
3 295 739,62 |
76 210,76 |
|
local systems |
2 790 321,55 |
16 331,29 |
|
international systems, of which: |
505 418,07 |
59 879,47 |
|
Visa International |
402 172,58 |
49 754,18 |
|
MasterCard Worldwide |
49 787,68 |
7 815,85 |
|
Volume (mln.tenge), of which; |
39 533 039,90 |
6 759 787,80 |
|
local systems |
30 153 770,36 |
1 196 761,99 |
|
international systems, of which: |
9 379 269,54 |
5 563 025,82 |
|
Visa International |
5 843 696,15 |
4 463 005,21 |
|
MasterCard Worldwide |
1 452 288,13 |
936 127,66 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
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|
Specifications |
January-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 297 079,0 |
39 700 619,2 |
78 530,8 |
6 835 310,9 |
|
Akmola region |
46 606,2 |
477 534,9 |
2 880,6 |
188 433,3 |
|
Aktobe region |
107 996,0 |
1 196 862,2 |
3 611,2 |
265 651,9 |
|
Almaty region |
96 134,8 |
1 157 477,4 |
4 068,3 |
311 307,3 |
|
Atyrau region |
102 413,9 |
1 330 212,2 |
2 739,1 |
246 133,9 |
|
East Kazakhstan reg. |
63 141,0 |
738 205,8 |
4 217,3 |
308 172,2 |
|
Jambul region |
87 746,7 |
1 000 052,8 |
3 823,7 |
278 979,9 |
|
West Kazakhstan reg. |
74 165,2 |
803 685,5 |
2 872,3 |
208 293,8 |
|
Karaganda region |
125 675,9 |
1 514 473,4 |
6 017,2 |
450 929,4 |
|
Kostanai region |
71 129,4 |
729 761,2 |
3 294,1 |
238 947,4 |
|
Kyzylorda region |
70 918,8 |
828 352,6 |
2 645,8 |
194 628,8 |
|
Mangistau region |
99 454,0 |
1 340 441,0 |
2 863,5 |
275 544,5 |
|
Pavlodar region |
75 737,9 |
783 901,4 |
4 063,2 |
274 656,0 |
|
North Kazakhstan reg. |
31 301,3 |
323 920,1 |
2 125,3 |
135 115,3 |
|
Turkestan reg. |
67 328,1 |
910 926,0 |
3 141,2 |
261 897,6 |
|
Almaty city |
1 554 284,3 |
18 714 891,1 |
15 654,8 |
1 835 882,7 |
|
Astana city |
341 406,7 |
4 482 078,6 |
6 763,2 |
725 869,9 |
|
Shimkent city |
186 622,1 |
2 456 139,9 |
4 976,4 |
469 636,6 |
|
Jetysu reg. |
32 484,2 |
323 623,2 |
979,1 |
55 475,3 |
|
Abay reg. |
43 812,4 |
383 927,9 |
1 311,7 |
74 069,7 |
|
Ulytau reg. |
18 720,1 |
204 152,0 |
482,7 |
35 685,3 |
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 |
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|
Specifications |
January-April 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 296 627,5 |
39 698 319,9 |
77 339,2 |
6 753 819,3 |
|
POS - terminal |
1 068 726,4 |
6 310 724,8 |
962,7 |
606 927,3 |
|
ATM |
242,5 |
30 723,4 |
76 376,5 |
6 146 892,0 |
|
Internet and mobile phone |
2 227 658,0 |
33 356 798,3 |
|
|
|
Payment terminals |
0,5 |
73,4 |
|
|
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
29 638,7 |
352 022,7 |
1 219,5 |
80 553,5 |
|
POS - terminal |
11 666,2 |
183 838,2 |
30,22 |
4 623,71 |
|
ATM |
2,8 |
188,6 |
1 189,30 |
75 929,75 |
|
Internet and mobile phone |
17 898,1 |
166 744,7 |
|
|
|
others |
71,6 |
1 251,1 |
|
|
|
2023 |
||||
|
Total, incl. |
44 759,4 |
778 265,6 |
1 420,8 |
126 003,6 |
|
POS - terminal |
17 694,1 |
400 291,3 |
13,8 |
5 032,0 |
|
ATM |
35,1 |
4 247,7 |
1 407,0 |
120 971,7 |
|
Internet and mobile phone |
26 716,0 |
364 908,2 |
|
|
|
others |
314,1 |
8 818,4 |
|
|
[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.
