Version ¹238 от 28/07/2023
As of July 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 July 01, 2023, 70.0 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 13.9 trillion tenge, the number – 992.7 million transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 30.4% and reached up to 972.1 million transactions and by 34.8%, reaching 11.9 trillion tenge. The holders of payment cards carried out 20.6 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to July 2022 by 11.0%. At the same time, the volume of cash withdrawal operations increased by 1.8%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (82.2% of the total number of transactions and 90.2% of the total volume of non-cash payments and money transfers) and POS terminals (17.8% and 9.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.5% and 90.5% 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 01.07.2022 |
As of 01.07.2023 |
|
Total number of cards in circulation (thousand), of which: |
60 200,0 |
70 012,9 |
|
local systems |
20 370,4 |
23 498,9 |
|
international systems, of which: |
39 829,5 |
46 514,0 |
|
Visa International, of which: |
29 967,1 |
36 139,8 |
|
debit |
26 515,8 |
33 255,3 |
|
credit |
1 527,9 |
1 171,5 |
|
Debit cards with credit limit and prepaid |
1 923,4 |
1 713,0 |
|
MasterCard Worldwide, of which: |
8 252,9 |
8 772,1 |
|
debit |
7 914,1 |
8 431,1 |
|
credit |
335,5 |
160,6 |
|
Debit cards with credit limit and prepaid |
3,2 |
180,4 |
|
Number of used cards (thousand), of which: |
30 244,7 |
36 424,3 |
|
local systems |
12 015,2 |
14 773,2 |
|
international systems, of which: |
18 229,5 |
21 651,1 |
|
Visa International, of which: |
14 008,6 |
18 398,9 |
|
debit |
13 416,5 |
17 811,2 |
|
credit |
234,7 |
372,4 |
|
ADebit cards with credit limit and prepaid |
357,4 |
215,3 |
|
MasterCard Worldwide, of which: |
3 577,1 |
2 721,9 |
|
debit |
3 491,3 |
2 648,1 |
|
credit |
84,9 |
41,2 |
|
Debit cards with credit limit and prepaid |
0,9 |
32,7 |
|
Quarterly specifications |
As of 01.07.2022 |
As of 01.07.2023 |
|
Number of POS - terminals (units), of which: |
674 033 |
934 056 |
|
commercial enterprises |
665 785 |
925 887 |
|
banks |
8 248 |
8 169 |
|
Number of ATM (units) , of which: |
12 570 |
12 519 |
|
with cash distribution function |
5 472 |
5 285 |
|
with cash reception and distribution functions |
7 098 |
7 234 |
|
Number of commercial enterprises (units) |
397 313 |
867 772 |
|
Number of users of online bank service(thousand units)[1] |
20 546,75 |
20 656,53 |
|
Table 2 |
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|
Specifications |
As of 01.07.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
56 029 |
12 091 |
1 893 |
32 119 |
4 058 |
248 |
|
Akmola region |
1 723 |
396 |
91 |
1 013 |
126 |
13 |
|
Aktobe region |
2 500 |
637 |
110 |
1 436 |
217 |
14 |
|
Almaty region |
3 279 |
459 |
167 |
2 056 |
364 |
17 |
|
Atyrau region |
2 038 |
484 |
94 |
1 173 |
170 |
9 |
|
East Kazakhstan reg. |
1 982 |
446 |
155 |
1 109 |
139 |
19 |
|
Jambul region |
2 624 |
628 |
123 |
1 528 |
203 |
10 |
|
West Kazakhstan reg. |
1 841 |
462 |
77 |
1 072 |
152 |
9 |
|
Karaganda region |
3 292 |
732 |
138 |
1 863 |
245 |
17 |
|
Kostanai region |
2 177 |
453 |
90 |
1 209 |
141 |
14 |
|
Kyzylorda region |
2 033 |
528 |
109 |
1 153 |
176 |
10 |
|
Mangistau region |
2 109 |
517 |
71 |
1 200 |
184 |
8 |
|
Pavlodar region |
2 057 |
464 |
97 |
1 181 |
152 |
14 |
|
North Kazakhstan reg. |
1 326 |
246 |
51 |
725 |
71 |
8 |
|
Turkestan reg. |
3 204 |
422 |
144 |
1 854 |
323 |
15 |
|
Almaty city |
12 915 |
2 664 |
166 |
7 476 |
484 |
36 |
|
Shymkent city |
3 252 |
715 |
53 |
1 655 |
251 |
6 |
|
Astana city |
4 569 |
1 013 |
144 |
2 521 |
398 |
28 |
|
Jetysu reg. |
900 |
336 |
5 |
673 |
103 |
1 |
|
Abay reg. |
1 593 |
346 |
5 |
872 |
111 |
1 |
|
Ulytau reg. |
613 |
142 |
2 |
351 |
50 |
0 |
|
Table 3 |
||||
|
Specifications |
As of 01.07.2023 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
934 056 |
12 519 |
702 482 |
867 772 |
|
Akmola region |
32 303 |
396 |
23 391 |
29 182 |
|
Aktobe region |
45 185 |
608 |
35 225 |
42 930 |
|
Almaty region |
39 964 |
411 |
37 264 |
42 055 |
|
Atyrau region |
35 640 |
595 |
26 965 |
33 127 |
|
East Kazakhstan reg. |
35 872 |
567 |
23 573 |
30 552 |
|
Jambul region |
35 841 |
543 |
29 747 |
36 268 |
|
West Kazakhstan reg. |
33 166 |
436 |
23 945 |
29 781 |
|
Karaganda region |
59 617 |
909 |
40 631 |
51 582 |
|
Kostanai region |
44 441 |
484 |
27 526 |
38 661 |
|
Kyzylorda region |
24 795 |
403 |
24 942 |
28 921 |
|
Mangistau region |
38 725 |
602 |
30 830 |
39 138 |
|
Pavlodar region |
43 475 |
598 |
26 337 |
36 294 |
|
North Kazakhstan reg. |
20 847 |
344 |
13 271 |
17 636 |
|
Turkestan reg. |
30 682 |
436 |
34 891 |
38 531 |
|
Almaty city |
206 929 |
2 238 |
136 733 |
179 204 |
|
Shimkent city |
47 568 |
781 |
43 418 |
49 596 |
|
Astana city |
121 629 |
1 453 |
91 953 |
107 204 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
3 788 031,11 |
127 327,62 |
|
local systems |
3 217 529,82 |
15 670,83 |
|
international systems, of which: |
570 501,30 |
111 656,80 |
|
Visa International |
429 167,57 |
82 810,40 |
|
MasterCard Worldwide |
120 912,10 |
24 153,22 |
|
Volume (mln.tenge), of which; |
44 432 539,31 |
10 280 575,90 |
|
local systems |
35 257 549,63 |
1 005 409,93 |
|
international systems, of which: |
9 174 989,68 |
9 275 165,96 |
|
Visa International |
6 298 687,79 |
6 777 572,28 |
|
MasterCard Worldwide |
2 014 319,34 |
2 210 439,88 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
5 251 745,02 |
117 599,21 |
|
local systems |
4 474 786,10 |
26 059,32 |
|
international systems, of which: |
776 958,92 |
91 539,90 |
|
Visa International |
642 952,27 |
76 287,24 |
|
MasterCard Worldwide |
78 466,79 |
11 783,99 |
|
Volume (mln.tenge), of which; |
62 769 284,02 |
10 667 236,11 |
|
local systems |
48 566 755,54 |
1 957 909,74 |
|
international systems, of which: |
14 202 528,48 |
8 709 326,37 |
|
Visa International |
9 760 761,49 |
7 030 815,65 |
|
MasterCard Worldwide |
2 308 228,36 |
1 429 572,46 |
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-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 257 144,8 |
63 098 870,0 |
119 513,8 |
10 680 982,1 |
|
Akmola region |
73 551,2 |
711 872,7 |
4 247,1 |
283 913,3 |
|
Aktobe region |
169 829,7 |
1 821 488,2 |
5 582,0 |
415 115,8 |
|
Almaty region |
156 882,1 |
1 823 739,5 |
5 558,4 |
440 927,8 |
|
Atyrau region |
159 172,8 |
1 959 406,3 |
4 154,7 |
379 838,2 |
|
East Kazakhstan reg. |
97 354,5 |
1 084 426,1 |
6 042,7 |
445 714,8 |
|
Jambul region |
139 243,4 |
1 535 873,4 |
5 876,7 |
439 481,5 |
|
West Kazakhstan reg. |
116 810,8 |
1 224 765,8 |
4 261,5 |
312 527,2 |
|
Karaganda region |
195 653,0 |
2 280 159,8 |
9 042,9 |
681 436,0 |
|
Kostanai region |
110 205,2 |
1 100 013,7 |
5 006,2 |
369 595,0 |
|
Kyzylorda region |
110 436,9 |
1 247 098,2 |
4 055,9 |
308 543,6 |
|
Mangistau region |
152 046,0 |
1 941 521,1 |
4 299,5 |
416 236,9 |
|
Pavlodar region |
118 492,5 |
1 183 490,0 |
5 988,7 |
410 510,9 |
|
North Kazakhstan reg. |
47 850,1 |
470 769,5 |
3 264,5 |
211 549,1 |
|
Turkestan reg. |
107 012,6 |
1 392 471,2 |
4 499,5 |
384 722,4 |
|
Almaty city |
2 518 671,4 |
31 089 967,1 |
23 903,7 |
2 948 659,2 |
|
Astana city |
534 625,2 |
6 870 025,6 |
10 467,3 |
1 121 175,8 |
|
Shimkent city |
296 095,6 |
3 879 355,9 |
7 923,2 |
767 610,0 |
|
Jetysu reg. |
51 724,4 |
524 091,8 |
1 676,6 |
101 548,1 |
|
Abay reg. |
70 601,1 |
625 490,6 |
2 653,1 |
162 573,0 |
|
Ulytau reg. |
30 886,4 |
332 843,5 |
1 009,7 |
79 303,7 |
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-June 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 256 693,3 |
63 096 570,7 |
118 322,2 |
10 599 490,5 |
|
POS - terminal |
1 419 689,6 |
8 569 994,6 |
1 491,7 |
966 033,5 |
|
ATM |
324,3 |
38 927,2 |
116 830,6 |
9 633 457,0 |
|
Internet and mobile phone |
3 363 025,0 |
52 243 950,1 |
|
|
|
Payment terminals |
1,1 |
196,0 |
|
|
|
QR-code |
473 653,4 |
2 243 502,8 |
|
|
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-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
43 226,3 |
658 541,8 |
1 759,9 |
113 112,9 |
|
POS - terminal |
17 397,6 |
342 135,4 |
34,85 |
5 727,67 |
|
ATM |
6,2 |
374,1 |
1 725,06 |
107 385,26 |
|
Internet and mobile phone |
25 691,0 |
309 118,9 |
|
|
|
others |
131,4 |
6 913,4 |
|
|
|
2023 |
||||
|
Total, incl. |
71 917,5 |
1 198 083,6 |
2 253,2 |
196 627,2 |
|
POS - terminal |
26 976,4 |
600 777,8 |
20,3 |
7 579,6 |
|
ATM |
45,0 |
4 677,2 |
2 232,9 |
189 047,6 |
|
Internet and mobile phone |
44 559,3 |
582 476,3 |
|
|
|
others |
336,8 |
10 152,3 |
|
|
[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.
