Version ¹239 от 28/08/2023
As of August 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 local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of august 01, 2023, 70.7 million payment cards are in circulation. The most common are debit cards, their share is 80.0%, the share of credit cards is 17.1%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In July 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 14.9 trillion tenge, the number – 1.02 bln transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 30.9% and reached up to 995.7 million transactions and by 41.0%, reaching 12.9 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 6.1%. At the same time, the volume of cash withdrawal operations increased by 9.2%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.9% of the total number of transactions and 90.3% of the total volume of non-cash payments and money transfers) and POS terminals (18.0% and 9.5% 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 89.3% 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 01.08.2022 |
As of 01.08.2023 |
|
Total number of cards in circulation (thousand), of which: |
61 490,7 |
70 676,6 |
|
local systems |
20 654,5 |
23 747,2 |
|
international systems, of which: |
40 836,2 |
46 929,5 |
|
Visa International, of which: |
30 913,3 |
36 183,7 |
|
debit |
27 473,2 |
33 380,6 |
|
credit |
1 491,1 |
1 069,2 |
|
Debit cards with credit limit and prepaid |
1 948,9 |
1 733,8 |
|
MasterCard Worldwide, of which: |
8 312,3 |
9 166,5 |
|
debit |
7 958,4 |
8 655,5 |
|
credit |
350,9 |
158,3 |
|
Debit cards with credit limit and prepaid |
3,0 |
352,7 |
|
Number of used cards (thousand), of which: |
30 736,1 |
36 812,9 |
|
local systems |
12 310,4 |
15 315,9 |
|
international systems, of which: |
18 425,7 |
21 497,0 |
|
Visa International, of which: |
14 380,3 |
18 287,3 |
|
debit |
13 822,9 |
17 705,3 |
|
credit |
230,6 |
356,8 |
|
ADebit cards with credit limit and prepaid |
326,8 |
225,2 |
|
MasterCard Worldwide, of which: |
3 421,8 |
2 684,5 |
|
debit |
3 330,5 |
2 584,7 |
|
credit |
90,5 |
40,6 |
|
Debit cards with credit limit and prepaid |
0,8 |
59,3 |
|
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 01.08.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
56 511 |
12 079 |
2 087 |
32 060 |
4 469 |
285 |
|
Akmola region |
1 732 |
399 |
97 |
1 014 |
139 |
14 |
|
Aktobe region |
2 506 |
634 |
121 |
1 430 |
243 |
16 |
|
Almaty region |
3 499 |
764 |
178 |
2 197 |
402 |
19 |
|
Atyrau region |
2 036 |
482 |
102 |
1 162 |
188 |
10 |
|
East Kazakhstan reg. |
1 991 |
446 |
169 |
1 105 |
148 |
21 |
|
Jambul region |
2 643 |
631 |
130 |
1 532 |
224 |
11 |
|
West Kazakhstan reg. |
1 848 |
461 |
86 |
1 067 |
170 |
10 |
|
Karaganda region |
3 302 |
731 |
149 |
1 857 |
269 |
19 |
|
Kostanai region |
2 185 |
455 |
100 |
1 207 |
158 |
17 |
|
Kyzylorda region |
2 044 |
528 |
116 |
1 142 |
198 |
11 |
|
Mangistau region |
2 118 |
517 |
79 |
1 201 |
206 |
9 |
|
Pavlodar region |
2 059 |
464 |
109 |
1 177 |
166 |
17 |
|
North Kazakhstan reg. |
1 334 |
247 |
57 |
725 |
79 |
9 |
|
Turkestan reg. |
3 509 |
754 |
150 |
2 073 |
361 |
16 |
|
Almaty city |
12 707 |
2 021 |
209 |
7 123 |
523 |
44 |
|
Shymkent city |
3 282 |
713 |
63 |
1 646 |
274 |
7 |
|
Astana city |
4 580 |
1 005 |
157 |
2 504 |
431 |
31 |
|
Jetysu reg. |
914 |
340 |
9 |
678 |
114 |
1 |
|
Abay reg. |
1 607 |
345 |
5 |
872 |
119 |
1 |
|
Ulytau reg. |
614 |
141 |
2 |
349 |
55 |
0 |
|
Table 3 |
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|
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-July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
4 548 605,48 |
149 266,50 |
|
local systems |
3 864 022,50 |
19 225,74 |
|
international systems, of which: |
684 582,98 |
130 040,76 |
|
Visa International |
510 830,90 |
97 082,97 |
|
MasterCard Worldwide |
138 343,42 |
27 528,40 |
|
Volume (mln.tenge), of which; |
53 599 705,09 |
12 125 435,83 |
|
local systems |
42 136 710,47 |
1 251 949,70 |
|
international systems, of which: |
11 462 994,62 |
10 873 486,13 |
|
Visa International |
7 488 517,75 |
7 995 926,50 |
|
MasterCard Worldwide |
2 398 658,24 |
2 544 691,83 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
6 247 398,17 |
138 190,58 |
|
local systems |
5 329 644,88 |
31 135,81 |
|
international systems, of which: |
917 753,29 |
107 054,76 |
|
Visa International |
766 954,54 |
89 268,67 |
|
MasterCard Worldwide |
94 208,22 |
13 749,72 |
|
Volume (mln.tenge), of which; |
75 690 594,38 |
12 682 455,25 |
|
local systems |
58 991 714,36 |
2 373 541,79 |
|
international systems, of which: |
16 698 880,02 |
10 308 913,46 |
|
Visa International |
11 770 593,79 |
8 325 074,56 |
|
MasterCard Worldwide |
2 768 654,50 |
1 692 529,18 |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 254 497,9 |
76 060 933,8 |
139 805,6 |
12 659 322,5 |
|
Akmola region |
89 728,6 |
854 924,3 |
4 929,4 |
333 839,6 |
|
Aktobe region |
204 098,7 |
2 176 505,5 |
6 592,3 |
494 388,3 |
|
Almaty region |
187 787,3 |
2 187 867,9 |
6 274,6 |
503 959,1 |
|
Atyrau region |
190 082,6 |
2 301 835,3 |
4 836,4 |
445 602,1 |
|
East Kazakhstan reg. |
116 216,9 |
1 278 288,8 |
6 941,6 |
515 171,5 |
|
Jambul region |
169 535,5 |
1 858 493,3 |
6 891,8 |
520 610,2 |
|
West Kazakhstan reg. |
140 249,2 |
1 461 871,1 |
4 944,5 |
364 341,8 |
|
Karaganda region |
233 567,1 |
2 702 458,0 |
10 544,8 |
798 137,0 |
|
Kostanai region |
131 800,4 |
1 308 844,5 |
5 879,5 |
438 247,4 |
|
Kyzylorda region |
133 553,5 |
1 497 062,9 |
4 705,8 |
362 336,8 |
|
Mangistau region |
182 168,4 |
2 283 292,0 |
5 006,5 |
488 768,4 |
|
Pavlodar region |
141 932,3 |
1 405 344,4 |
6 962,4 |
480 731,5 |
|
North Kazakhstan reg. |
57 151,6 |
556 500,0 |
3 824,1 |
250 602,2 |
|
Turkestan reg. |
135 980,4 |
1 727 821,9 |
5 089,9 |
437 025,3 |
|
Almaty city |
2 955 745,5 |
37 739 717,6 |
28 013,7 |
3 536 325,2 |
|
Astana city |
635 357,2 |
8 145 343,4 |
12 345,0 |
1 329 578,3 |
|
Shimkent city |
356 966,6 |
4 713 676,2 |
9 404,9 |
925 428,4 |
|
Jetysu reg. |
69 215,4 |
689 103,9 |
2 040,5 |
126 064,9 |
|
Abay reg. |
85 664,6 |
768 438,5 |
3 309,3 |
207 174,0 |
|
Ulytau reg. |
37 696,1 |
403 544,4 |
1 268,6 |
100 990,5 |
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-July 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 253 970,8 |
76 058 121,2 |
138 614,0 |
12 577 833,0 |
|
POS - terminal |
1 598 719,9 |
9 736 189,0 |
1 755,6 |
1 170 256,6 |
|
ATM |
368,7 |
43 888,5 |
136 858,4 |
11 407 576,4 |
|
Internet and mobile phone |
4 010 570,0 |
62 900 624,8 |
- |
- |
|
Payment terminals |
92,0 |
5 734,6 |
- |
- |
|
QR-code |
644 220,2 |
3 371 684,3 |
- |
- |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
50 549,1 |
849 345,8 |
2 006,0 |
130 599,5 |
|
POS - terminal |
20 655,2 |
450 054,7 |
37,1 |
6 255,7 |
|
ATM |
7,3 |
481,3 |
1 968,9 |
124 343,9 |
|
Internet and mobile phone |
29 723,7 |
389 283,6 |
|
|
|
others |
162,9 |
9 526,2 |
|
|
|
2023 |
||||
|
Total, incl. |
86 955,0 |
1 429 463,9 |
2 683,4 |
230 881,9 |
|
POS - terminal |
32 140,0 |
717 082,3 |
23,5 |
8 829,6 |
|
ATM |
51,0 |
4 875,0 |
2 659,9 |
222 052,2 |
|
Internet and mobile phone |
54 414,5 |
696 393,8 |
|
|
|
others |
349,6 |
11 112,7 |
|
|
[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.
