Version ¹244 от 29/01/2024
As of January 01, 2024 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 January 01, 2024, 74.5 million payment cards are in circulation. The most common are debit cards, their share is 80.8%, the share of credit cards is 16.4%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In December 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 16.8 trillion tenge, the number – 1.06 bln transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 20.9% and reached up to 1.04 bln transactions and by 28.2%, reaching 14.5 trillion tenge. The holders of payment cards carried out 21.3 million cash withdrawal operations in the amount of 2.3 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to December 2022 by 2.2%. 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 (81.9% of the total number of transactions and 90.8% of the total volume of non-cash payments and money transfers) and POS terminals (18.0% and 8.9% 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 88.4% 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 01.01.2023 |
As of 01.01.2024 |
|
Total number of cards in circulation (thousand), of which: |
65 080,0 |
74 544,4 |
|
local systems |
22 165,8 |
24 874,0 |
|
international systems, of which: |
42 914,2 |
49 670,5 |
|
Visa International, of which: |
33 314,8 |
37 532,9 |
|
debit |
30 063,9 |
34 847,8 |
|
credit |
1 196,6 |
778,7 |
|
Debit cards with credit limit and prepaid |
2 054,3 |
1 906,4 |
|
MasterCard Worldwide, of which: |
7 980,3 |
10 695,7 |
|
debit |
7 654,0 |
10 366,1 |
|
credit |
324,2 |
156,4 |
|
Debit cards with credit limit and prepaid |
2,0 |
173,2 |
|
Number of used cards (thousand), of which: |
33 430,6 |
38 685,0 |
|
local systems |
13 437,5 |
15 948,0 |
|
international systems, of which: |
19 993,0 |
22 737,0 |
|
Visa International, of which: |
16 698,4 |
19 373,3 |
|
debit |
15 817,9 |
18 808,7 |
|
credit |
390,9 |
309,1 |
|
ADebit cards with credit limit and prepaid |
489,6 |
255,5 |
|
MasterCard Worldwide, of which: |
2 711,0 |
2 885,3 |
|
debit |
2 634,1 |
2 805,7 |
|
credit |
76,2 |
47,4 |
|
Debit cards with credit limit and prepaid |
0,7 |
32,2 |
|
Quarterly specifications |
01.01.2023 |
01.01.2024 |
|
Number of POS - terminals (units), of which: |
831 780 |
1 041 884 |
|
commercial enterprises |
815 501 |
1 033 770 |
|
banks |
16 279 |
8 114 |
|
Number of ATM (units) , of which: |
12 391 |
12 649 |
|
with cash distribution function |
5 378 |
4 982 |
|
with cash reception and distribution functions |
7 013 |
7 667 |
|
Number of commercial enterprises (units) |
567 687 |
793 065 |
|
Number of users of online bank service(thousand units)[1] |
22 912,09 |
22 661,57 |
|
Table 2 |
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|
Specifications |
As of 01.01.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
60 250,7 |
12 214,1 |
2 079,6 |
33 872,9 |
4 524,5 |
287,7 |
|
Akmola region |
1 818,6 |
410,8 |
98,4 |
1 062,5 |
146,3 |
14,7 |
|
Aktobe region |
2 592,7 |
635,6 |
118,0 |
1 477,7 |
238,9 |
15,8 |
|
Almaty region |
2 817,2 |
1 055,4 |
184,9 |
2 016,7 |
400,4 |
21,7 |
|
Atyrau region |
2 116,2 |
482,5 |
99,8 |
1 203,8 |
186,6 |
9,9 |
|
East Kazakhstan reg. |
2 044,2 |
450,8 |
162,7 |
1 133,2 |
157,1 |
20,9 |
|
Jambul region |
2 777,7 |
645,7 |
135,6 |
1 598,1 |
232,7 |
12,3 |
|
West Kazakhstan reg. |
1 931,8 |
467,3 |
84,5 |
1 099,9 |
170,3 |
10,4 |
|
Karaganda region |
3 398,7 |
733,5 |
147,1 |
1 929,2 |
274,3 |
19,7 |
|
Kostanai region |
2 274,6 |
462,5 |
95,7 |
1 261,8 |
162,0 |
16,0 |
|
Kyzylorda region |
2 142,9 |
534,2 |
119,3 |
1 191,8 |
197,0 |
10,6 |
|
Mangistau region |
2 201,5 |
519,0 |
76,6 |
1 251,9 |
204,6 |
8,7 |
|
Pavlodar region |
2 156,4 |
467,1 |
102,1 |
1 226,8 |
170,0 |
16,2 |
|
North Kazakhstan reg. |
1 402,4 |
257,0 |
55,3 |
764,7 |
84,3 |
8,8 |
|
Turkestan reg. |
3 972,9 |
1 130,2 |
170,0 |
2 414,2 |
375,0 |
17,6 |
|
Almaty city |
13 953,6 |
1 387,3 |
186,0 |
7 550,2 |
522,0 |
41,5 |
|
Shymkent city |
3 453,5 |
716,3 |
59,6 |
1 725,4 |
271,8 |
6,8 |
|
Astana city |
4 876,5 |
998,2 |
160,3 |
2 626,5 |
423,7 |
33,1 |
|
Jetysu reg. |
1 979,0 |
364,3 |
11,0 |
1 053,7 |
125,5 |
1,3 |
|
Abay reg. |
1 711,7 |
352,9 |
8,8 |
924,4 |
127,0 |
1,1 |
|
Ulytau reg. |
628,4 |
143,5 |
3,9 |
360,7 |
54,8 |
0,6 |
|
Table 3 |
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|
Specifications |
As of 01.01.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 041 884 |
12 649 |
793 065 |
932 062 |
|
Akmola region |
34 752 |
407 |
28 522 |
34 874 |
|
Aktobe region |
46 039 |
630 |
38 870 |
45 522 |
|
Almaty region |
42 827 |
305 |
41 203 |
44 461 |
|
Atyrau region |
37 671 |
594 |
30 191 |
36 256 |
|
East Kazakhstan reg. |
35 268 |
582 |
27 503 |
33 927 |
|
Jambul region |
39 418 |
542 |
33 541 |
39 280 |
|
West Kazakhstan reg. |
32 080 |
450 |
26 831 |
31 730 |
|
Karaganda region |
58 277 |
909 |
46 326 |
56 365 |
|
Kostanai region |
43 886 |
503 |
32 282 |
42 969 |
|
Kyzylorda region |
28 347 |
400 |
26 539 |
30 442 |
|
Mangistau region |
41 514 |
610 |
33 539 |
40 646 |
|
Pavlodar region |
42 144 |
615 |
30 214 |
40 154 |
|
North Kazakhstan reg. |
20 645 |
348 |
16 293 |
20 565 |
|
Turkestan reg. |
38 971 |
432 |
37 349 |
39 677 |
|
Almaty city |
255 548 |
2 280 |
152 417 |
181 800 |
|
Shimkent city |
77 693 |
760 |
47 676 |
52 075 |
|
Astana city |
122 347 |
1 442 |
104 137 |
115 069 |
|
Jetysu reg. |
16 385 |
287 |
15 116 |
17 400 |
|
Abay reg. |
19 488 |
367 |
18 060 |
20 042 |
|
Ulytau reg. |
8 584 |
186 |
6 456 |
8 808 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
8 586 764,57 |
254 295,94 |
|
local systems |
7 290 148,27 |
38 407,46 |
|
international systems, of which: |
1 296 616,30 |
215 888,48 |
|
Visa International |
966 485,50 |
166 113,36 |
|
MasterCard Worldwide |
211 886,87 |
40 960,65 |
|
Volume (mln.tenge), of which; |
103 787 622,70 |
21 356 451,15 |
|
local systems |
80 253 090,59 |
2 672 060,36 |
|
international systems, of which: |
23 534 532,11 |
18 684 390,79 |
|
Visa International |
14 199 488,21 |
14 146 608,77 |
|
MasterCard Worldwide |
4 254 247,59 |
3 986 465,44 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
11 317 331,36 |
241 096,52 |
|
local systems |
9 654 560,12 |
58 833,70 |
|
international systems, of which: |
1 662 771,25 |
182 262,82 |
|
Visa International |
1 424 790,70 |
152 574,79 |
|
MasterCard Worldwide |
175 935,51 |
23 060,75 |
|
Volume (mln.tenge), of which; |
141 924 896,00 |
23 051 912,87 |
|
local systems |
111 850 989,33 |
4 663 678,28 |
|
international systems, of which: |
30 073 906,67 |
18 388 234,59 |
|
Visa International |
22 567 902,79 |
14 944 428,23 |
|
MasterCard Worldwide |
5 214 523,76 |
2 953 291,62 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
11 302 932,7 |
142 568 582,4 |
241 619,9 |
22 875 361,3 |
|
Akmola region |
170 294,7 |
1 561 032,5 |
8 261,3 |
579 886,9 |
|
Aktobe region |
377 699,2 |
3 987 141,6 |
11 558,8 |
883 761,1 |
|
Almaty region |
342 632,6 |
4 071 618,7 |
8 738,9 |
740 719,5 |
|
Atyrau region |
348 944,9 |
4 085 413,7 |
8 332,9 |
787 362,0 |
|
East Kazakhstan reg. |
215 003,1 |
2 300 579,9 |
11 274,7 |
858 307,6 |
|
Jambul region |
326 728,4 |
3 538 944,1 |
12 044,2 |
939 152,7 |
|
West Kazakhstan reg. |
259 978,2 |
2 685 964,1 |
8 316,0 |
625 673,3 |
|
Karaganda region |
422 416,7 |
4 894 062,1 |
17 925,6 |
1 392 538,9 |
|
Kostanai region |
239 097,0 |
2 413 710,7 |
10 177,5 |
782 849,3 |
|
Kyzylorda region |
257 208,3 |
2 778 377,9 |
8 089,0 |
638 723,2 |
|
Mangistau region |
336 803,0 |
4 008 814,7 |
8 558,5 |
850 741,0 |
|
Pavlodar region |
261 006,7 |
2 571 156,0 |
11 767,8 |
836 172,4 |
|
North Kazakhstan reg. |
104 792,2 |
1 004 957,5 |
6 527,5 |
442 556,5 |
|
Turkestan reg. |
292 110,2 |
3 401 252,2 |
8 086,5 |
703 379,9 |
|
Almaty city |
5 140 942,2 |
71 576 412,7 |
49 141,2 |
6 698 693,0 |
|
Astana city |
1 134 217,4 |
14 828 603,8 |
21 715,9 |
2 417 110,1 |
|
Shimkent city |
666 295,7 |
8 985 261,7 |
16 957,8 |
1 712 715,4 |
|
Jetysu reg. |
170 789,3 |
1 594 000,8 |
4 970,7 |
334 816,1 |
|
Abay reg. |
164 782,0 |
1 521 802,2 |
6 592,6 |
435 844,9 |
|
Ulytau reg. |
71 190,7 |
759 475,4 |
2 582,6 |
214 357,5 |
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 |
||||
|
Specifications |
January-December 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
11 299 336,3 |
142 472 497,7 |
240 144,4 |
22 772 654,5 |
|
POS - terminal |
2 536 759,9 |
15 565 271,5 |
3 126,4 |
2 241 540,7 |
|
ATM |
559,2 |
69 145,3 |
236 908,5 |
20 501 231,5 |
|
Internet and mobile phone |
7 237 300,4 |
118 267 433,0 |
- |
- |
|
Payment terminals |
472,8 |
27 843,1 |
109,4 |
29 882,2 |
|
QR-code |
1 524 244,0 |
8 542 804,7 |
- |
- |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
97 067,9 |
1 722 754,1 |
3 562,6 |
252 199,9 |
|
POS - terminal |
41 032,0 |
915 685,5 |
51,0 |
10 161,0 |
|
ATM |
16,8 |
1 277,0 |
3 511,6 |
242 038,8 |
|
Internet and mobile phone |
55 425,8 |
781 027,5 |
- |
- |
|
others |
593,3 |
24 764,2 |
- |
- |
|
2023 |
||||
|
Total, incl. |
166 503,6 |
2 661 682,2 |
4 955,3 |
428 751,6 |
|
POS - terminal |
56 620,0 |
1 263 428,0 |
38,7 |
15 114,9 |
|
ATM |
82,2 |
6 304,3 |
4 915,5 |
412 634,5 |
|
Internet and mobile phone |
108 910,6 |
1 354 644,0 |
0,0 |
0,0 |
|
others |
890,7 |
37 305,7 |
1,1 |
1 002,3 |
[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.
