Version ¹242 от 27/11/2023
As of November 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 November 01, 2023, 73.5 million payment cards are in circulation. The most common are debit cards, their share is 80.7%, the share of credit cards is 16.6%. Debit cards with a credit limit and prepaid cards account for 2.7%.
In October 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.2 trillion tenge, the number – 1.05 bln transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 27.2% and reached up to 1.03 bln transactions and by 33.2%, reaching 13.1 trillion tenge. The holders of payment cards carried out 20.7 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 October 2022 by 1.5%. At the same time, the volume of cash withdrawal operations increased by 13.5%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.5% of the total number of transactions and 91.3% of the total volume of non-cash payments and money transfers) and POS terminals (18.4% and 8.4% 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 89.6% 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 01.11.2022 |
As of 01.11.2023 |
|
Total number of cards in circulation (thousand), of which: |
63 562,9 |
73 527,8 |
|
local systems |
21 552,7 |
24 467,4 |
|
international systems, of which: |
42 010,2 |
49 060,4 |
|
Visa International, of which: |
32 247,7 |
37 392,4 |
|
debit |
28 980,5 |
34 613,5 |
|
credit |
1 285,4 |
945,6 |
|
Debit cards with credit limit and prepaid |
1 981,9 |
1 833,3 |
|
MasterCard Worldwide, of which: |
8 105,8 |
10 179,8 |
|
debit |
7 752,7 |
9 852,3 |
|
credit |
350,8 |
152,4 |
|
Debit cards with credit limit and prepaid |
2,3 |
175,2 |
|
Number of used cards (thousand), of which: |
32 240,9 |
37 837,0 |
|
local systems |
12 934,8 |
15 552,1 |
|
international systems, of which: |
19 306,1 |
22 284,9 |
|
Visa International, of which: |
15 757,2 |
18 978,9 |
|
debit |
14 966,4 |
18 394,0 |
|
credit |
392,8 |
344,9 |
|
ADebit cards with credit limit and prepaid |
398,0 |
240,0 |
|
MasterCard Worldwide, of which: |
2 947,8 |
2 810,6 |
|
debit |
2 872,2 |
2 738,7 |
|
credit |
74,9 |
41,9 |
|
Debit cards with credit limit and prepaid |
0,7 |
30,0 |
|
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 01.11.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
59 319,1 |
12 200,2 |
2 008,5 |
33 292,0 |
4 275,0 |
270,0 |
|
Akmola region |
1 797,3 |
406,2 |
95,9 |
1 045,8 |
139,1 |
13,9 |
|
Aktobe region |
2 577,8 |
639,0 |
114,6 |
1 459,8 |
229,6 |
14,9 |
|
Almaty region |
2 781,7 |
1 055,4 |
178,6 |
2 009,4 |
372,5 |
19,9 |
|
Atyrau region |
2 098,3 |
484,3 |
97,4 |
1 193,2 |
179,1 |
9,4 |
|
East Kazakhstan reg. |
2 041,5 |
451,1 |
159,2 |
1 123,0 |
147,9 |
20,2 |
|
Jambul region |
2 740,7 |
640,7 |
131,0 |
1 572,4 |
214,9 |
11,3 |
|
West Kazakhstan reg. |
1 917,5 |
466,0 |
81,3 |
1 090,4 |
161,0 |
9,6 |
|
Karaganda region |
3 370,5 |
735,4 |
143,9 |
1 891,8 |
258,9 |
18,7 |
|
Kostanai region |
2 262,6 |
461,0 |
93,5 |
1 244,7 |
152,9 |
15,5 |
|
Kyzylorda region |
2 129,1 |
534,7 |
115,2 |
1 177,9 |
188,6 |
9,9 |
|
Mangistau region |
2 181,5 |
520,3 |
74,7 |
1 231,6 |
194,8 |
8,6 |
|
Pavlodar region |
2 137,9 |
467,6 |
100,1 |
1 210,9 |
161,2 |
15,1 |
|
North Kazakhstan reg. |
1 388,0 |
252,9 |
53,6 |
751,2 |
78,9 |
8,3 |
|
Turkestan reg. |
3 912,0 |
1 112,4 |
161,1 |
2 375,5 |
347,1 |
16,0 |
|
Almaty city |
13 489,5 |
1 394,8 |
177,3 |
7 320,3 |
491,4 |
38,6 |
|
Shymkent city |
3 419,0 |
715,7 |
57,2 |
1 708,3 |
256,8 |
6,0 |
|
Astana city |
4 808,1 |
1 006,3 |
154,4 |
2 588,5 |
411,0 |
31,4 |
|
Jetysu reg. |
1 950,7 |
361,8 |
8,9 |
1 035,0 |
116,2 |
1,3 |
|
Abay reg. |
1 686,9 |
351,2 |
7,2 |
904,6 |
119,3 |
0,9 |
|
Ulytau reg. |
628,5 |
143,4 |
3,3 |
357,8 |
53,7 |
0,6 |
|
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-October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
6 937 606,13 |
212 627,86 |
|
local systems |
5 896 099,39 |
30 555,27 |
|
international systems, of which: |
1 041 506,73 |
182 072,59 |
|
Visa International |
775 551,52 |
138 472,18 |
|
MasterCard Worldwide |
184 659,41 |
36 039,85 |
|
Volume (mln.tenge), of which; |
82 252 131,07 |
17 535 601,30 |
|
local systems |
63 868 067,51 |
2 060 344,93 |
|
international systems, of which: |
18 384 063,57 |
15 475 256,37 |
|
Visa International |
11 336 796,66 |
11 582 019,02 |
|
MasterCard Worldwide |
3 478 562,04 |
3 425 302,27 |
|
2023 |
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|
Number of transactions (thousand) of which; |
9 279 987,64 |
200 012,69 |
|
local systems |
7 927 161,70 |
47 580,79 |
|
international systems, of which: |
1 352 825,94 |
152 431,90 |
|
Visa International |
1 152 027,83 |
127 472,12 |
|
MasterCard Worldwide |
140 965,42 |
19 303,11 |
|
Volume (mln.tenge), of which; |
114 121 736,15 |
18 718 290,86 |
|
local systems |
89 745 112,89 |
3 685 830,05 |
|
international systems, of which: |
24 376 623,26 |
15 032 460,81 |
|
Visa International |
17 987 623,35 |
12 186 961,16 |
|
MasterCard Worldwide |
4 151 156,80 |
2 431 318,92 |
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-October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 275 625,3 |
114 655 961,7 |
201 069,5 |
18 611 196,1 |
|
Akmola region |
137 844,9 |
1 265 329,5 |
6 949,8 |
479 667,4 |
|
Aktobe region |
308 293,0 |
3 235 098,5 |
9 609,3 |
725 660,8 |
|
Almaty region |
281 289,8 |
3 299 497,5 |
7 886,2 |
653 769,9 |
|
Atyrau region |
286 073,5 |
3 351 340,4 |
6 955,9 |
647 560,1 |
|
East Kazakhstan reg. |
174 333,8 |
1 862 986,1 |
9 576,5 |
719 303,5 |
|
Jambul region |
263 418,5 |
2 837 258,8 |
9 982,5 |
766 069,0 |
|
West Kazakhstan reg. |
212 186,1 |
2 178 664,6 |
6 995,6 |
520 178,7 |
|
Karaganda region |
346 045,8 |
3 971 897,7 |
14 996,5 |
1 147 957,4 |
|
Kostanai region |
195 894,7 |
1 943 369,8 |
8 489,8 |
643 234,5 |
|
Kyzylorda region |
207 068,0 |
2 248 766,2 |
6 719,8 |
523 509,1 |
|
Mangistau region |
275 204,6 |
3 289 470,3 |
7 134,4 |
701 407,7 |
|
Pavlodar region |
212 921,7 |
2 079 096,2 |
9 866,9 |
691 040,1 |
|
North Kazakhstan reg. |
85 435,0 |
811 799,2 |
5 478,7 |
365 900,9 |
|
Turkestan reg. |
228 258,5 |
2 701 588,7 |
6 886,7 |
593 571,1 |
|
Almaty city |
4 263 070,5 |
57 315 144,6 |
40 634,2 |
5 345 144,3 |
|
Astana city |
936 984,1 |
12 039 694,2 |
18 012,9 |
1 961 999,0 |
|
Shimkent city |
542 545,3 |
7 212 160,7 |
13 888,6 |
1 380 470,8 |
|
Jetysu reg. |
128 528,7 |
1 202 019,6 |
3 682,8 |
239 459,1 |
|
Abay reg. |
132 425,7 |
1 200 600,9 |
5 270,2 |
339 623,8 |
|
Ulytau reg. |
57 803,0 |
610 178,4 |
2 052,1 |
165 668,9 |
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-October 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 272 028,9 |
114 559 877,2 |
199 594,0 |
18 508 489,2 |
|
POS - terminal |
2 155 312,5 |
13 006 939,4 |
2 569,3 |
1 772 820,4 |
|
ATM |
489,3 |
58 965,2 |
196 986,5 |
16 725 331,3 |
|
Internet and mobile phone |
5 947 680,2 |
95 214 619,8 |
- |
- |
|
Payment terminals |
338,4 |
20 137,7 |
38,2 |
10 337,6 |
|
QR-code |
1 168 208,4 |
6 259 215,1 |
|
|
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-October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
75 743,3 |
1 343 148,3 |
2 863,1 |
195 348,8 |
|
POS - terminal |
31 674,3 |
714 257,9 |
44,5 |
8 085,7 |
|
ATM |
12,8 |
964,6 |
2 818,7 |
187 263,1 |
|
Internet and mobile phone |
43 685,2 |
608 395,6 |
0,0 |
0,0 |
|
others |
371,0 |
19 530,1 |
0,0 |
0,0 |
|
2023 |
||||
|
Total, incl. |
133 180,5 |
2 146 467,9 |
4 025,4 |
341 694,0 |
|
POS - terminal |
46 982,4 |
1 047 406,3 |
33,0 |
12 673,0 |
|
ATM |
69,9 |
5 630,8 |
3 992,0 |
328 724,1 |
|
Internet and mobile phone |
85 572,0 |
1 072 715,1 |
0,0 |
0,0 |
|
others |
556,3 |
20 715,8 |
0,3 |
296,9 |
[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.
