Version ¹243 от 27/12/2023
As of December 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 December 01, 2023, 74.1 million payment cards are in circulation. The most common are debit cards, their share is 80.7%, the share of credit cards is 16.5%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In November 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.3 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 26.4% and reached up to 999.1 mln transactions and by 30.2%, reaching 13.3 trillion tenge. The holders of payment cards carried out 19.7 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 November 2022 by 0.6%. At the same time, the volume of cash withdrawal operations increased by 13.3%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.3% of the total number of transactions and 90.6% of the total volume of non-cash payments and money transfers) and POS terminals (18.7% and 9.2% 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 88.9% 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 01.12.2022 |
As of 01.12.2023 |
|
Total number of cards in circulation (thousand), of which: |
64 353,2 |
74 075,3 |
|
local systems |
21 887,4 |
24 707,5 |
|
international systems, of which: |
42 465,9 |
49 367,8 |
|
Visa International, of which: |
32 738,7 |
37 463,9 |
|
debit |
29 476,3 |
34 736,4 |
|
credit |
1 257,1 |
857,2 |
|
Debit cards with credit limit and prepaid |
2 005,4 |
1 870,3 |
|
MasterCard Worldwide, of which: |
8 075,2 |
10 444,6 |
|
debit |
7 729,2 |
10 115,4 |
|
credit |
343,8 |
154,9 |
|
Debit cards with credit limit and prepaid |
2,2 |
174,2 |
|
Number of used cards (thousand), of which: |
33 002,2 |
38 529,4 |
|
local systems |
13 461,7 |
16 033,3 |
|
international systems, of which: |
19 540,5 |
22 496,0 |
|
Visa International, of which: |
16 132,5 |
19 162,7 |
|
debit |
15 298,6 |
18 583,1 |
|
credit |
394,9 |
335,0 |
|
ADebit cards with credit limit and prepaid |
439,0 |
244,6 |
|
MasterCard Worldwide, of which: |
2 821,3 |
2 852,1 |
|
debit |
2 746,0 |
2 778,5 |
|
credit |
74,6 |
42,6 |
|
Debit cards with credit limit and prepaid |
0,7 |
31,1 |
|
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 01.12.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
59 804,2 |
12 226,6 |
2 044,6 |
33 546,9 |
4 706,7 |
275,7 |
|
Akmola region |
1 809,8 |
409,9 |
97,1 |
1 050,5 |
153,2 |
14,1 |
|
Aktobe region |
2 585,3 |
637,9 |
116,4 |
1 464,7 |
254,2 |
15,3 |
|
Almaty region |
2 804,5 |
1 057,2 |
183,0 |
2 014,5 |
412,8 |
20,4 |
|
Atyrau region |
2 107,3 |
483,4 |
98,7 |
1 194,0 |
193,0 |
9,5 |
|
East Kazakhstan reg. |
2 040,2 |
451,1 |
161,0 |
1 122,2 |
166,1 |
20,8 |
|
Jambul region |
2 763,7 |
644,5 |
133,2 |
1 579,6 |
239,0 |
11,8 |
|
West Kazakhstan reg. |
1 925,9 |
466,6 |
82,9 |
1 094,3 |
178,5 |
9,7 |
|
Karaganda region |
3 385,7 |
735,8 |
145,3 |
1 905,0 |
286,0 |
19,1 |
|
Kostanai region |
2 274,2 |
462,8 |
94,5 |
1 250,0 |
169,8 |
15,5 |
|
Kyzylorda region |
2 136,3 |
534,8 |
117,4 |
1 183,9 |
203,1 |
10,6 |
|
Mangistau region |
2 193,4 |
520,1 |
75,8 |
1 238,4 |
212,3 |
8,3 |
|
Pavlodar region |
2 149,2 |
469,3 |
101,1 |
1 214,8 |
178,5 |
15,3 |
|
North Kazakhstan reg. |
1 396,9 |
255,5 |
54,4 |
757,2 |
87,4 |
8,3 |
|
Turkestan reg. |
3 945,5 |
1 123,5 |
165,7 |
2 389,8 |
384,6 |
16,6 |
|
Almaty city |
13 701,3 |
1 394,1 |
182,0 |
7 439,7 |
540,2 |
39,5 |
|
Shymkent city |
3 438,2 |
716,2 |
58,5 |
1 719,4 |
280,5 |
6,5 |
|
Astana city |
4 846,0 |
1 003,8 |
157,3 |
2 611,5 |
446,0 |
31,4 |
|
Jetysu reg. |
1 966,5 |
364,0 |
8,7 |
1 040,7 |
130,0 |
1,2 |
|
Abay reg. |
1 704,8 |
352,5 |
8,0 |
918,9 |
132,8 |
1,0 |
|
Ulytau reg. |
629,5 |
143,3 |
3,6 |
357,7 |
58,7 |
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-November |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
7 727 983,14 |
232 481,89 |
|
local systems |
6 564 839,45 |
34 363,43 |
|
international systems, of which: |
1 163 143,70 |
198 118,46 |
|
Visa International |
866 893,45 |
151 507,27 |
|
MasterCard Worldwide |
198 067,84 |
38 427,04 |
|
Volume (mln.tenge), of which; |
92 475 074,83 |
19 332 688,65 |
|
local systems |
71 722 645,23 |
2 355 484,48 |
|
international systems, of which: |
20 752 429,60 |
16 977 204,17 |
|
Visa International |
12 661 741,36 |
12 770 963,05 |
|
MasterCard Worldwide |
3 839 918,28 |
3 697 205,14 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
10 279 045,64 |
219 755,54 |
|
local systems |
8 777 148,03 |
53 084,92 |
|
international systems, of which: |
1 501 897,61 |
166 670,62 |
|
Visa International |
1 283 595,63 |
139 464,37 |
|
MasterCard Worldwide |
157 412,50 |
21 064,59 |
|
Volume (mln.tenge), of which; |
127 426 968,99 |
20 754 441,82 |
|
local systems |
100 423 036,39 |
4 159 877,11 |
|
international systems, of which: |
27 003 932,60 |
16 594 564,71 |
|
Visa International |
20 097 366,34 |
13 465 447,83 |
|
MasterCard Worldwide |
4 643 313,85 |
2 677 054,36 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 268 193,4 |
127 976 262,9 |
220 528,1 |
20 613 919,2 |
|
Akmola region |
153 599,5 |
1 404 240,5 |
7 564,9 |
525 684,3 |
|
Aktobe region |
342 214,8 |
3 594 772,4 |
10 542,7 |
800 215,7 |
|
Almaty region |
311 605,5 |
3 674 649,6 |
8 297,4 |
695 348,0 |
|
Atyrau region |
316 925,7 |
3 703 485,8 |
7 613,6 |
713 291,8 |
|
East Kazakhstan reg. |
194 065,3 |
2 068 547,3 |
10 390,4 |
784 414,5 |
|
Jambul region |
294 619,4 |
3 176 493,6 |
10 981,3 |
848 120,4 |
|
West Kazakhstan reg. |
235 474,0 |
2 421 714,7 |
7 626,1 |
569 839,8 |
|
Karaganda region |
383 235,0 |
4 410 209,3 |
16 402,3 |
1 262 402,9 |
|
Kostanai region |
216 933,0 |
2 163 345,1 |
9 288,7 |
708 457,4 |
|
Kyzylorda region |
231 776,6 |
2 505 399,4 |
7 374,5 |
577 959,1 |
|
Mangistau region |
305 263,3 |
3 632 344,8 |
7 805,3 |
771 369,9 |
|
Pavlodar region |
236 323,3 |
2 311 116,3 |
10 771,4 |
758 286,4 |
|
North Kazakhstan reg. |
94 847,2 |
903 391,0 |
5 984,1 |
402 106,2 |
|
Turkestan reg. |
259 659,1 |
3 045 180,0 |
7 465,5 |
646 132,1 |
|
Almaty city |
4 692 527,3 |
64 107 647,9 |
44 752,7 |
5 983 348,0 |
|
Astana city |
1 033 700,4 |
13 350 099,3 |
19 785,1 |
2 170 843,6 |
|
Shimkent city |
603 488,3 |
8 080 202,0 |
15 393,6 |
1 540 550,8 |
|
Jetysu reg. |
149 388,6 |
1 390 759,1 |
4 294,1 |
283 901,2 |
|
Abay reg. |
148 283,7 |
1 352 959,8 |
5 898,0 |
384 451,7 |
|
Ulytau reg. |
64 263,4 |
679 705,1 |
2 296,2 |
187 195,3 |
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-November 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 264 597,1 |
127 880 178,3 |
219 052,6 |
20 511 212,4 |
|
POS - terminal |
2 343 780,6 |
14 215 235,7 |
2 834,6 |
1 987 312,9 |
|
ATM |
524,8 |
63 732,3 |
216 142,6 |
18 503 642,6 |
|
Internet and mobile phone |
6 578 521,1 |
106 205 929,7 |
- |
- |
|
Payment terminals |
408,7 |
24 134,5 |
75,4 |
20 256,9 |
|
QR-code |
1 341 361,8 |
7 371 146,1 |
|
|
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-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
86 668,9 |
1 535 453,9 |
3 203,4 |
223 209,6 |
|
POS - terminal |
36 382,1 |
815 239,9 |
47,5 |
9 052,7 |
|
ATM |
14,6 |
1 083,8 |
3 155,9 |
214 156,9 |
|
Internet and mobile phone |
49 781,5 |
697 016,5 |
0,0 |
0,0 |
|
others |
490,8 |
22 113,6 |
0,0 |
0,0 |
|
2023 |
||||
|
Total, incl. |
150 467,9 |
2 418 222,8 |
4 486,9 |
382 482,0 |
|
POS - terminal |
51 918,4 |
1 159 807,4 |
35,9 |
13 785,0 |
|
ATM |
76,4 |
5 979,8 |
4 450,4 |
368 094,1 |
|
Internet and mobile phone |
97 743,1 |
1 223 078,3 |
0,0 |
0,0 |
|
others |
730,1 |
29 357,3 |
0,7 |
602,9 |
[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.
