Version ¹183 on 27/11/2019
As of November 01, 2019 actual origination of the payment cards were mainly realized by 22 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 Altyn Card – JSC «Halyk Bank of Kazakhstan», local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of November 01, 2019 banks have issued 31,2 mln. payment cards and a number of card holders reached 27,8 mln. (in comparison with the situation on the same date of 2018, there is a growth of 42,9% and 55% respectively). The most widespread ones are the debit cards with the share of 78,9%, the share of credit cards – 17,4%. The share of debit cards with credit limit and share of prepaid cards is 2% and 1,7% respectively.
During January-October of 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 24,1 trln. tenge (growth against the similar period of 2018 has totaled 52%). The number of transactions reached 1,2 bln. and increased by 94,1% times versus the similar period of 2018. At that, the number and amount of cashless transactions increased by more 2 times (number of transactions 912 mln. transactions and the volume – 10,6 trln. tenge), operations with cash withdrawals 38,3% (number of transactions – 316.3,8 mln. transactions) and 23,2% (the volume of transactions – 13,5 trln. tenge) respectively.
The main bulk of cashless transactions in the territory of Kazakhstan has been made through POS-terminals (50,4% and 30,7% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (48,9% and 67,5% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (93,1% and 85,7% out of the total number and volume of cash withdrawal transactions).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-6.
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Table 1 |
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Specifications |
As of 01.11.18 |
As of 01.11.19 |
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Total number of cards in circulation (thousand), of which: |
21 830,2 |
31 189,9 |
|
local systems |
42,9 |
4 484,5 |
|
international systems, of which: |
21 787,3 |
26 705,4 |
|
Visa International, of which: |
13 711,8 |
15 565,1 |
|
debit |
9 552,3 |
9 370,5 |
|
credit |
3 467,5 |
5 165,3 |
|
Debit cards with credit limit and prepaid |
692,1 |
1 029,3 |
|
MasterCard Worldwide, of which: |
6 555,5 |
9 646,5 |
|
debit |
6 344,2 |
9 321,3 |
|
credit |
159,2 |
224,2 |
|
Debit cards with credit limit and prepaid |
52,1 |
101 |
|
Number of card holders (thousand), of which: |
17 955,0 |
27 824,0 |
|
local systems |
38,5 |
4 484,4 |
|
international systems, of which: |
17 916,4 |
23 339,9 |
|
Visa International, of which: |
11 290,3 |
13 310,0 |
|
MasterCard Worldwide, of which: |
5 527,2 |
8 904,6 |
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Number of used cards (thousand), of which: |
10 605,1 |
19 166,9 |
|
local systems |
30,4 |
3 866,9 |
|
international systems, of which: |
10 574,6 |
15 300,0 |
|
Visa International, of which: |
6 266,8 |
8 013,1 |
|
debit |
4 553,7 |
4 890,6 |
|
credit |
1 431,5 |
2 639,9 |
|
Debit cards with credit limit and prepaid |
281,7 |
482,6 |
|
MasterCard Worldwide, of which: |
3 520,2 |
6 378,4 |
|
debit |
3 467,3 |
6 242,9 |
|
credit |
45,5 |
96,3 |
|
Debit cards with credit limit and prepaid |
7,4 |
39,2 |
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Number of POS - terminals (units), of which: |
133 107 |
163 001 |
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commercial enterprises |
123 385 |
154 297 |
|
banks |
9 722 |
8 704 |
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Number of ATM (units) , of which: |
10 811 |
11 707 |
|
with cash distribution function |
8 018 |
7 110 |
|
with cash reception and distribution functions |
2 793 |
4 597 |
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Number of commercial enterprises (units) |
78 699 |
91 095 |
|
Number payment terminals (units)[1] |
17 084 |
16 336 |
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Table 2 |
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Specifications |
As of 01.11.19 |
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Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
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|
debit |
credit |
others[2] |
debit |
credit |
others2 |
||||
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Total, incl. |
24 594,3 |
5 427,9 |
1 167,7 |
27 824,4 |
15 849,4 |
2 765,8 |
551,6 |
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|
Akmola region |
637,3 |
132,3 |
29,8 |
711,6 |
395,8 |
59,7 |
12,3 |
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|
Aktobe region |
1 171,6 |
303,9 |
45,3 |
1 346,5 |
737,3 |
155,9 |
19,9 |
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|
Almaty region |
1 449,1 |
325,3 |
49,6 |
1 679,6 |
945,6 |
167,6 |
20,7 |
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|
Atyrau region |
1 284,6 |
248,5 |
30,1 |
1 379,6 |
825,4 |
133,6 |
13,2 |
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|
East Kazakhstan reg. |
1 565,0 |
382,7 |
69,9 |
1 808,5 |
984,4 |
174,9 |
19,5 |
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|
Jambul region |
1 040,3 |
187,3 |
29,4 |
1 142,8 |
668,7 |
95,9 |
6,0 |
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|
West Kazakhstan reg. |
848,3 |
206,9 |
21,5 |
969,3 |
531,3 |
101,6 |
5,2 |
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|
Karaganda region |
1 887,2 |
409,7 |
98,9 |
2 135,1 |
1 233,1 |
206,4 |
57,5 |
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|
Kostanai region |
930,7 |
203,9 |
30,5 |
1 050,4 |
601,5 |
91,9 |
12,8 |
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|
Kyzylorda region |
833,4 |
204,3 |
44,1 |
950,9 |
529,6 |
118,8 |
25,5 |
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|
Mangistau region |
1 140,9 |
247,9 |
24,6 |
1 245,3 |
743,7 |
128,5 |
8,4 |
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|
Pavlodar region |
1 004,4 |
239,0 |
37,4 |
1 159,2 |
645,0 |
112,1 |
12,0 |
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|
North Kazakhstan reg. |
497,8 |
98,9 |
17,0 |
553,3 |
312,0 |
42,3 |
10,2 |
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|
Turkestan reg. and Shimkent city |
2 667,3 |
605,5 |
82,4 |
3 039,5 |
1 672,6 |
317,3 |
19,7 |
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|
Almaty city |
5 004,2 |
1 064,3 |
499,5 |
5 706,0 |
3 151,3 |
545,4 |
291,6 |
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|
Nur-Sultan city |
2 632,2 |
567,3 |
57,9 |
2 946,9 |
1 872,2 |
313,9 |
17,1 |
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Table 3 |
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Specifications |
As of 01.11.19 |
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Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
163 001 |
11 707 |
91 095 |
16 336 |
|
Akmola region |
3 523 |
350 |
2 272 |
578 |
|
Aktobe region |
7 917 |
538 |
4 670 |
911 |
|
Almaty region |
3 591 |
539 |
1 783 |
533 |
|
Atyrau region |
5 021 |
588 |
2 563 |
718 |
|
East Kazakhstan reg. |
9 294 |
879 |
4 669 |
1522 |
|
Jambul region |
3 194 |
455 |
1 340 |
663 |
|
West Kazakhstan reg. |
5 303 |
419 |
2 745 |
684 |
|
Karaganda region |
12 661 |
977 |
6 903 |
1693 |
|
Kostanai region |
9 463 |
452 |
5 947 |
917 |
|
Kyzylorda region |
2 323 |
397 |
981 |
540 |
|
Mangistau region |
4 751 |
598 |
2 512 |
452 |
|
Pavlodar region |
8 457 |
609 |
4 758 |
877 |
|
North Kazakhstan reg. |
3 534 |
314 |
1 725 |
682 |
|
Turkestan reg. and Shimkent city |
6 947 |
979 |
3 037 |
1250 |
|
Almaty city |
47 104 |
2217 |
27 040 |
2928 |
|
Nur-Sultan city |
29 918 |
1396 |
18 150 |
1388 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
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Table 4 |
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Specifications |
January-October |
|
|
Cashless transactions |
Cash withdrawals |
|
|
2018 |
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Number of transactions (thousand) of which; |
403 970,8 |
228 696,7 |
|
local systems |
30,0 |
280,8 |
|
international systems, of which: |
403 940,8 |
228 415,9 |
|
Visa International |
193 179,6 |
122 790,1 |
|
MasterCard Worldwide |
204 721,6 |
92 708,8 |
|
Volume (mln.tenge), of which; |
4 879 657,2 |
10 962 860,6 |
|
local systems |
31 272,8 |
13 541,6 |
|
international systems, of which: |
4 848 384,3 |
10 949 319,0 |
|
Visa International |
2 739 743,3 |
6 832 274,8 |
|
MasterCard Worldwide |
1 980 633,0 |
3 610 779,6 |
|
2019 |
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Number of transactions (thousand) of which; |
912 020,0 |
316 299,8 |
|
local systems |
192 514,5 |
5 016,1 |
|
international systems, of which: |
719 505,4 |
311 283,7 |
|
Visa International |
186 407,4 |
124 454,6 |
|
MasterCard Worldwide |
528 435,2 |
174 354,6 |
|
Volume (mln.tenge), of which; |
10 575 376,8 |
13 501 532,1 |
|
local systems |
2 697 345,4 |
256 249,4 |
|
international systems, of which: |
7 878 031,4 |
13 245 282,6 |
|
Visa International |
3 048 356,7 |
6 647 193,0 |
|
MasterCard Worldwide |
4 744 981,9 |
6 033 411,1 |
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Dynamics |
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|
Number |
2,3 раз |
38,3% |
|
local systems |
6417,2 раз |
17,9 раз |
|
international systems, of which: |
78,1% |
36,3% |
|
Visa International |
-3,5% |
1,4% |
|
MasterCard Worldwide |
2,6 раз |
88,1% |
|
Volume |
2,2 раз |
23,2% |
|
local systems |
86,3 раз |
18,9 раз |
|
international systems, of which: |
62,5% |
21,0% |
|
Visa International |
11,3% |
-2,7% |
|
MasterCard Worldwide |
2,4 раз |
67,1% |
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[3] |
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|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
872 465,3 |
9 839 123,8 |
287 910,2 |
13 039 246,8 |
|
Akmola region |
6 426,9 |
86 729,8 |
7 824,5 |
309 363,0 |
|
Aktobe region |
17 961,0 |
207 802,0 |
13 544,3 |
536 483,5 |
|
Almaty region |
28 043,6 |
394 846,0 |
14 678,7 |
636 026,7 |
|
Atyrau region |
17 072,9 |
260 302,9 |
13 006,1 |
617 690,6 |
|
East Kazakhstan reg. |
16 692,6 |
196 089,3 |
19 390,1 |
799 495,7 |
|
Jambul region |
8 930,4 |
104 213,4 |
11 963,0 |
484 994,6 |
|
West Kazakhstan reg. |
12 270,4 |
172 866,8 |
10 147,0 |
400 315,8 |
|
Karaganda region |
32 488,3 |
347 449,1 |
20 144,3 |
857 467,1 |
|
Kostanai region |
19 221,5 |
170 218,9 |
10 968,9 |
452 120,1 |
|
Kyzylorda region |
7 483,5 |
90 347,6 |
9 189,0 |
384 666,7 |
|
Mangistau region |
14 335,5 |
185 501,7 |
11 525,2 |
627 218,9 |
|
Pavlodar region |
15 974,9 |
151 720,8 |
12 006,5 |
487 790,0 |
|
North Kazakhstan reg. |
6 144,9 |
62 408,1 |
6 308,4 |
248 609,7 |
|
Turkestan reg. and Shimkent city |
17 824,8 |
294 102,7 |
26 725,2 |
1 257 893,0 |
|
Almaty city |
538 503,9 |
6 027 077,5 |
71 360,0 |
3 518 177,3 |
|
Nur-Sultan city |
113 090,0 |
1 087 447,2 |
29 128,9 |
1 420 934,1 |
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
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Table 6 |
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Specifications |
January- October |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
872 465,3 |
9 839 123,8 |
287 910,2 |
13 039 246,8 |
|
POS - terminal |
426 074,8 |
2 806 665,4 |
21 874,6 |
1 926 193,0 |
|
ATM |
5 676,5 |
158 351,7 |
266 035,6 |
11 113 053,7 |
|
Internet and mobile phone |
440 708,2 |
6 873 790,3 |
- |
- |
|
Bank’s booths |
5,8 |
316,3 |
- |
- |
