Version ¹241 от 27/10/2023
As of October 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 October 01, 2023, 72.7 million payment cards are in circulation. The most common are debit cards, their share is 80.6%, the share of credit cards is 16.7%. Debit cards with a credit limit and prepaid cards account for 2.7%.
In September 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 14.4 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 26.0% and reached up to 996.3 mln transactions and by 33.9%, reaching 12.5 trillion tenge. The holders of payment cards carried out 20.0 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 September 2022 by 2.2%. At the same time, the volume of cash withdrawal operations increased by 11.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.4% of the total number of transactions and 91.1% of the total volume of non-cash payments and money transfers) and POS terminals (18.6% and 8.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.4% 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 01.10.2022 |
As of 01.10.2023 |
|
Total number of cards in circulation (thousand), of which: |
62 650,0 |
72 679,7 |
|
local systems |
21 241,0 |
24 233,7 |
|
international systems, of which: |
41 409,0 |
48 446,0 |
|
Visa International, of which: |
31 584,0 |
37 248,9 |
|
debit |
28 320,0 |
34 458,8 |
|
credit |
1 315,0 |
989,1 |
|
Debit cards with credit limit and prepaid |
1 949,0 |
1 800,9 |
|
MasterCard Worldwide, of which: |
8 164,0 |
9 690,2 |
|
debit |
7 806,4 |
9 361,5 |
|
credit |
355,1 |
152,8 |
|
Debit cards with credit limit and prepaid |
2,5 |
175,9 |
|
Number of used cards (thousand), of which: |
31 732,0 |
37 507,5 |
|
local systems |
12 603,0 |
15 290,5 |
|
international systems, of which: |
19 129,0 |
22 217,0 |
|
Visa International, of which: |
15 482,0 |
18 988,9 |
|
debit |
14 685,1 |
18 418,0 |
|
credit |
412,3 |
347,9 |
|
ADebit cards with credit limit and prepaid |
384,6 |
223,0 |
|
MasterCard Worldwide, of which: |
3 025,6 |
2 726,0 |
|
debit |
2 944,6 |
2 649,9 |
|
credit |
80,3 |
41,6 |
|
Debit cards with credit limit and prepaid |
0,8 |
34,5 |
|
Quarterly specifications |
01.10.2022 |
01.10.2023 |
|
Number of POS - terminals (units), of which: |
748 982 |
983 419 |
|
commercial enterprises |
732 503 |
975 265 |
|
banks |
16 479 |
8 154 |
|
Number of ATM (units) , of which: |
12 452 |
12 625 |
|
with cash distribution function |
5 301 |
4 922 |
|
with cash reception and distribution functions |
7 151 |
7 703 |
|
Number of commercial enterprises (units) |
508 502 |
762 715 |
|
Number of users of online bank service(thousand units)[1] |
21 796,90 |
22 019,81 |
|
Table 2 |
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|
Specifications |
As of 01.10.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
58 557,1 |
12 145,8 |
1 976,9 |
33 106,5 |
4 143,6 |
257,4 |
|
Akmola region |
1 786,6 |
403,3 |
94,9 |
1 042,8 |
131,3 |
13,2 |
|
Aktobe region |
2 565,5 |
636,8 |
113,4 |
1 459,2 |
220,4 |
14,3 |
|
Almaty region |
2 772,8 |
1 051,9 |
175,0 |
2 009,5 |
362,3 |
18,4 |
|
Atyrau region |
2 086,1 |
482,9 |
96,4 |
1 191,8 |
173,2 |
9,2 |
|
East Kazakhstan reg. |
2 045,6 |
448,9 |
157,8 |
1 127,7 |
144,8 |
19,1 |
|
Jambul region |
2 714,2 |
636,6 |
128,9 |
1 563,4 |
208,6 |
10,5 |
|
West Kazakhstan reg. |
1 907,2 |
464,3 |
80,1 |
1 090,6 |
155,9 |
9,1 |
|
Karaganda region |
3 368,4 |
732,7 |
142,3 |
1 889,6 |
250,7 |
18,1 |
|
Kostanai region |
2 244,1 |
458,5 |
92,5 |
1 237,4 |
145,0 |
15,0 |
|
Kyzylorda region |
2 112,2 |
531,9 |
113,7 |
1 171,4 |
182,6 |
9,3 |
|
Mangistau region |
2 165,6 |
518,5 |
73,8 |
1 230,4 |
189,5 |
8,1 |
|
Pavlodar region |
2 123,1 |
466,1 |
99,3 |
1 209,4 |
155,3 |
14,7 |
|
North Kazakhstan reg. |
1 379,2 |
250,3 |
52,9 |
749,7 |
74,0 |
7,8 |
|
Turkestan reg. |
3 885,0 |
1 102,6 |
156,8 |
2 365,5 |
332,9 |
14,8 |
|
Almaty city |
13 053,7 |
1 391,3 |
173,6 |
7 206,6 |
485,7 |
37,4 |
|
Shymkent city |
3 385,2 |
714,7 |
56,1 |
1 694,3 |
251,7 |
6,1 |
|
Astana city |
4 749,2 |
1 005,3 |
151,1 |
2 581,9 |
400,6 |
29,8 |
|
Jetysu reg. |
1 930,0 |
358,6 |
8,7 |
1 033,7 |
112,6 |
1,1 |
|
Abay reg. |
1 660,3 |
348,3 |
6,6 |
895,5 |
114,8 |
0,8 |
|
Ulytau reg. |
623,3 |
142,4 |
3,0 |
356,2 |
51,9 |
0,5 |
|
Table 3 |
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|
Specifications |
As of 01.10.2023 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
983 419 |
12 625 |
762 715 |
909 604 |
|
Akmola region |
32 941 |
410 |
27 228 |
33 244 |
|
Aktobe region |
43 890 |
631 |
37 879 |
44 464 |
|
Almaty region |
39 731 |
301 |
39 955 |
42 546 |
|
Atyrau region |
35 702 |
591 |
29 472 |
35 021 |
|
East Kazakhstan reg. |
33 591 |
584 |
26 058 |
32 272 |
|
Jambul region |
37 037 |
535 |
32 743 |
37 984 |
|
West Kazakhstan reg. |
31 240 |
448 |
26 246 |
31 504 |
|
Karaganda region |
56 012 |
909 |
44 507 |
54 527 |
|
Kostanai region |
42 473 |
499 |
30 733 |
41 510 |
|
Kyzylorda region |
26 994 |
397 |
26 640 |
30 027 |
|
Mangistau region |
40 046 |
612 |
33 215 |
40 617 |
|
Pavlodar region |
40 729 |
601 |
28 712 |
38 402 |
|
North Kazakhstan reg. |
19 981 |
345 |
15 290 |
19 646 |
|
Turkestan reg. |
36 970 |
437 |
38 243 |
41 196 |
|
Almaty city |
233 569 |
2 273 |
143 820 |
185 671 |
|
Shimkent city |
75 320 |
761 |
47 205 |
51 387 |
|
Astana city |
115 808 |
1 440 |
97 161 |
105 970 |
|
Jetysu reg. |
14 921 |
297 |
14 048 |
15 865 |
|
Abay reg. |
18 174 |
366 |
17 228 |
19 061 |
|
Ulytau reg. |
8 290 |
188 |
6 332 |
8 690 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-September |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
6 127 273,81 |
191 585,41 |
|
local systems |
5 209 628,81 |
26 646,97 |
|
international systems, of which: |
917 645,00 |
164 938,44 |
|
Visa International |
683 292,65 |
124 686,40 |
|
MasterCard Worldwide |
169 906,12 |
33 370,43 |
|
Volume (mln.tenge), of which; |
72 408 516,24 |
15 737 398,77 |
|
local systems |
56 366 845,22 |
1 777 328,36 |
|
international systems, of which: |
16 041 671,02 |
13 960 070,41 |
|
Visa International |
10 017 731,49 |
10 390 195,74 |
|
MasterCard Worldwide |
3 120 589,53 |
3 145 286,87 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
8 249 421,18 |
179 276,54 |
|
local systems |
7 047 113,21 |
41 921,18 |
|
international systems, of which: |
1 202 307,97 |
137 355,36 |
|
Visa International |
1 019 097,53 |
114 786,47 |
|
MasterCard Worldwide |
124 470,93 |
17 436,35 |
|
Volume (mln.tenge), of which; |
101 008 489,94 |
16 677 603,92 |
|
local systems |
79 271 056,24 |
3 221 486,96 |
|
international systems, of which: |
21 737 433,70 |
13 456 116,96 |
|
Visa International |
15 855 684,49 |
10 896 258,43 |
|
MasterCard Worldwide |
3 669 891,01 |
2 185 693,34 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 250 572,8 |
101 479 063,4 |
180 622,0 |
16 600 315,4 |
|
Akmola region |
121 387,1 |
1 126 437,9 |
6 279,0 |
431 159,2 |
|
Aktobe region |
273 271,9 |
2 876 273,1 |
8 621,9 |
649 256,1 |
|
Almaty region |
249 859,6 |
2 919 591,0 |
7 453,1 |
611 243,9 |
|
Atyrau region |
253 996,8 |
2 999 047,1 |
6 250,5 |
580 302,7 |
|
East Kazakhstan reg. |
154 327,7 |
1 661 863,5 |
8 719,3 |
652 614,2 |
|
Jambul region |
231 177,2 |
2 499 887,5 |
8 945,1 |
682 724,1 |
|
West Kazakhstan reg. |
188 209,0 |
1 936 398,0 |
6 332,8 |
469 054,8 |
|
Karaganda region |
307 729,4 |
3 537 432,4 |
13 516,3 |
1 030 530,8 |
|
Kostanai region |
174 110,8 |
1 723 794,0 |
7 632,9 |
574 952,5 |
|
Kyzylorda region |
181 696,4 |
1 994 460,8 |
6 055,0 |
469 767,3 |
|
Mangistau region |
243 970,4 |
2 949 566,1 |
6 431,1 |
630 413,4 |
|
Pavlodar region |
188 685,4 |
1 848 600,3 |
8 908,2 |
621 558,3 |
|
North Kazakhstan reg. |
75 706,6 |
722 849,9 |
4 936,1 |
327 781,6 |
|
Turkestan reg. |
196 117,7 |
2 365 776,9 |
6 277,1 |
539 972,3 |
|
Almaty city |
3 820 466,5 |
50 632 935,4 |
36 367,0 |
4 726 760,0 |
|
Astana city |
835 421,8 |
10 715 290,3 |
16 096,2 |
1 747 154,1 |
|
Shimkent city |
479 894,5 |
6 354 521,3 |
12 354,9 |
1 222 447,0 |
|
Jetysu reg. |
107 241,6 |
1 023 239,7 |
3 044,1 |
194 890,3 |
|
Abay reg. |
116 233,9 |
1 050 754,0 |
4 612,9 |
294 519,3 |
|
Ulytau reg. |
51 068,5 |
540 344,1 |
1 788,5 |
143 213,7 |
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 |
||||
|
Specifications |
January-September 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 246 976,5 |
101 382 978,8 |
179 146,5 |
16 497 608,5 |
|
POS - terminal |
1 965 828,3 |
11 920 349,1 |
2 295,1 |
1 573 055,7 |
|
ATM |
449,9 |
53 940,9 |
176 851,4 |
14 924 552,8 |
|
Internet and mobile phone |
5 289 586,1 |
84 116 097,6 |
- |
- |
|
Payment terminals |
259,5 |
15 671,7 |
- |
- |
|
QR-code |
990 852,8 |
5 276 919,4 |
- |
- |
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-September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
66 131,5 |
1 167 151,4 |
2 537,4 |
169 545,0 |
|
POS - terminal |
27 395,5 |
619 790,6 |
42,0 |
7 445,3 |
|
ATM |
10,8 |
781,7 |
2 495,5 |
162 099,7 |
|
Internet and mobile phone |
38 430,6 |
528 867,0 |
|
|
|
others |
294,7 |
17 712,1 |
|
|
|
2023 |
||||
|
Total, incl. |
116 881,4 |
1 893 556,3 |
3 551,6 |
303 016,8 |
|
POS - terminal |
41 790,2 |
935 978,7 |
30,3 |
11 696,4 |
|
ATM |
62,6 |
5 381,8 |
3 521,3 |
291 320,3 |
|
Internet and mobile phone |
74 648,4 |
939 392,3 |
|
|
|
others |
380,2 |
12 803,4 |
|
|
[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.
