Version ¹237 от 29/06/2023
As of June 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 June 01, 2023, 69.5 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 May 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 13.3 trillion tenge, the number – 1 004.7 million transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 37.3% and reached up to 983.9 million transactions and by 43.5%, reaching 11.4 trillion tenge. The holders of payment cards carried out 20.8 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 May 2022 by 7.8%. At the same time, the volume of cash withdrawal operations increased by 8.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.7% of the total number of transactions and 89.2% of the total volume of non-cash payments and money transfers) and POS terminals (18.3% and 10.7% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.6% and 90.0% 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 01.06.2022 |
As of 01.06.2023 |
|
Total number of cards in circulation (thousand), of which: |
58 537,8 |
69 485,9 |
|
local systems |
20 092,0 |
23 290,4 |
|
international systems, of which: |
38 445,9 |
46 195,5 |
|
Visa International, of which: |
28 618,6 |
36 081,6 |
|
debit |
25 163,3 |
33 230,2 |
|
credit |
1 569,2 |
1 168,6 |
|
Debit cards with credit limit and prepaid |
1 886,1 |
1 682,8 |
|
MasterCard Worldwide, of which: |
8 215,4 |
8 490,7 |
|
debit |
7 888,0 |
8 145,3 |
|
credit |
324,1 |
163,2 |
|
Debit cards with credit limit and prepaid |
3,4 |
182,2 |
|
Number of used cards (thousand), of which: |
29 964,4 |
36 212,5 |
|
local systems |
11 959,8 |
14 776,5 |
|
international systems, of which: |
18 004,5 |
21 435,9 |
|
Visa International, of which: |
13 675,1 |
18 255,4 |
|
debit |
13 134,3 |
17 662,5 |
|
credit |
243,0 |
372,7 |
|
ADebit cards with credit limit and prepaid |
297,8 |
220,2 |
|
MasterCard Worldwide, of which: |
3 673,4 |
2 642,7 |
|
debit |
3 592,3 |
2 567,0 |
|
credit |
80,1 |
42,9 |
|
Debit cards with credit limit and prepaid |
1,0 |
32,8 |
|
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 01.06.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
55 592 |
12 029 |
1 865 |
31 780 |
4 180 |
253 |
|
Akmola region |
1 573 |
285 |
91 |
885 |
125 |
13 |
|
Aktobe region |
2 402 |
569 |
109 |
1 360 |
221 |
14 |
|
Almaty region |
2 780 |
334 |
165 |
1 584 |
253 |
18 |
|
Atyrau region |
2 014 |
478 |
92 |
1 149 |
174 |
9 |
|
East Kazakhstan reg. |
1 900 |
442 |
154 |
1 039 |
140 |
19 |
|
Jambul region |
2 434 |
496 |
122 |
1 378 |
207 |
10 |
|
West Kazakhstan reg. |
1 802 |
383 |
76 |
1 040 |
155 |
9 |
|
Karaganda region |
3 256 |
676 |
137 |
1 834 |
250 |
18 |
|
Kostanai region |
2 135 |
444 |
89 |
1 177 |
141 |
15 |
|
Kyzylorda region |
1 961 |
382 |
107 |
1 092 |
184 |
12 |
|
Mangistau region |
2 089 |
443 |
70 |
1 186 |
190 |
8 |
|
Pavlodar region |
1 976 |
459 |
96 |
1 116 |
153 |
15 |
|
North Kazakhstan reg. |
1 253 |
237 |
51 |
672 |
69 |
8 |
|
Turkestan reg. |
2 823 |
287 |
140 |
1 499 |
234 |
15 |
|
Almaty city |
14 476 |
3 834 |
164 |
8 859 |
758 |
35 |
|
Shymkent city |
3 252 |
708 |
52 |
1 654 |
257 |
6 |
|
Astana city |
4 536 |
1 012 |
141 |
2 503 |
405 |
28 |
|
Jetysu reg. |
788 |
221 |
5 |
578 |
101 |
1 |
|
Abay reg. |
1 543 |
243 |
4 |
836 |
112 |
1 |
|
Ulytau reg. |
600 |
94 |
2 |
339 |
51 |
0 |
|
Table 3 |
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|
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-May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
3 042 419,19 |
104 226,98 |
|
local systems |
2 586 353,99 |
12 213,74 |
|
international systems, of which: |
456 065,21 |
92 013,24 |
|
Visa International |
349 191,28 |
67 739,60 |
|
MasterCard Worldwide |
102 631,09 |
20 378,92 |
|
Volume (mln.tenge), of which; |
35 616 539,32 |
8 337 365,02 |
|
local systems |
28 806 471,25 |
775 661,88 |
|
international systems, of which: |
6 810 068,07 |
7 561 703,14 |
|
Visa International |
5 115 149,15 |
5 493 857,05 |
|
MasterCard Worldwide |
1 623 194,77 |
1 830 792,36 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
4 279 645,07 |
97 034,50 |
|
local systems |
3 636 327,21 |
21 171,59 |
|
international systems, of which: |
643 317,86 |
75 862,91 |
|
Visa International |
523 957,52 |
63 027,04 |
|
MasterCard Worldwide |
64 845,85 |
9 936,63 |
|
Volume (mln.tenge), of which; |
50 887 004,36 |
8 688 689,34 |
|
local systems |
39 141 340,43 |
1 567 779,90 |
|
international systems, of which: |
11 745 663,93 |
7 120 909,43 |
|
Visa International |
7 757 720,18 |
5 713 437,50 |
|
MasterCard Worldwide |
1 879 905,56 |
1 200 725,58 |
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-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 281 910,4 |
51 139 072,9 |
99 113,0 |
8 730 184,1 |
|
Akmola region |
59 966,0 |
591 603,1 |
3 564,3 |
235 084,7 |
|
Aktobe region |
139 108,6 |
1 500 967,8 |
4 603,6 |
341 051,3 |
|
Almaty region |
126 597,4 |
1 482 644,2 |
4 812,5 |
374 513,9 |
|
Atyrau region |
131 041,3 |
1 639 567,4 |
3 451,1 |
312 542,2 |
|
East Kazakhstan reg. |
80 266,6 |
906 723,1 |
5 148,0 |
377 493,0 |
|
Jambul region |
113 393,3 |
1 260 535,8 |
4 850,0 |
356 775,4 |
|
West Kazakhstan reg. |
95 640,2 |
1 009 364,0 |
3 568,0 |
259 693,9 |
|
Karaganda region |
161 028,6 |
1 892 188,3 |
7 536,0 |
564 862,8 |
|
Kostanai region |
90 925,5 |
911 391,5 |
4 175,9 |
304 537,5 |
|
Kyzylorda region |
90 724,9 |
1 029 818,5 |
3 333,5 |
247 899,7 |
|
Mangistau region |
125 792,0 |
1 635 738,7 |
3 590,2 |
346 771,1 |
|
Pavlodar region |
97 177,0 |
980 292,7 |
5 046,7 |
343 079,7 |
|
North Kazakhstan reg. |
39 669,0 |
395 736,9 |
2 701,8 |
172 728,2 |
|
Turkestan reg. |
87 080,4 |
1 144 131,5 |
3 787,1 |
317 383,3 |
|
Almaty city |
2 040 248,4 |
24 802 125,8 |
19 814,9 |
2 384 304,2 |
|
Astana city |
437 714,6 |
5 612 249,6 |
8 620,2 |
922 737,7 |
|
Shimkent city |
241 311,5 |
3 151 742,2 |
6 452,7 |
616 860,7 |
|
Jetysu reg. |
42 078,7 |
421 427,8 |
1 328,6 |
77 893,4 |
|
Abay reg. |
57 297,3 |
501 802,0 |
1 981,6 |
116 651,1 |
|
Ulytau reg. |
24 849,1 |
269 022,0 |
746,4 |
57 320,5 |
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 |
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|
Specifications |
January-May 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 281 458,9 |
51 136 773,6 |
97 921,4 |
8 648 692,6 |
|
POS - terminal |
1 247 073,7 |
7 473 604,0 |
1 227,5 |
789 799,7 |
|
ATM |
288,2 |
35 047,2 |
96 693,9 |
7 858 892,9 |
|
Internet and mobile phone |
2 725 095,9 |
42 176 010,6 |
|
|
|
Payment terminals |
0,8 |
136,3 |
|
|
|
QR-code |
309 000,4 |
1 451 975,4 |
|
|
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-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
36 282,0 |
476 388,1 |
1 491,1 |
96 503,0 |
|
POS - terminal |
14 392,2 |
247 799,6 |
32,47 |
5 216,60 |
|
ATM |
3,8 |
258,2 |
1 458,65 |
91 286,37 |
|
Internet and mobile phone |
21 792,2 |
226 077,6 |
0,0 |
0,0 |
|
others |
93,8 |
2 252,7 |
0,0 |
0,0 |
|
2023 |
||||
|
Total, incl. |
58 565,4 |
994 519,2 |
1 841,5 |
163 550,4 |
|
POS - terminal |
22 354,4 |
505 118,4 |
17,1 |
6 327,5 |
|
ATM |
39,7 |
4 442,4 |
1 824,3 |
157 222,9 |
|
Internet and mobile phone |
35 845,3 |
475 504,6 |
|
|
|
others |
326,1 |
9 453,9 |
|
|
[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.
