Version ¹182 on 28/10/2019
As of October 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 October 01, 2019 banks have issued 30,6 mln. payment cards and a number of card holders reached 27,2 mln. (in comparison with the situation on the same date of 2018, there is a growth of 43,4% and 55,4% respectively). The most widespread ones are the debit cards with the share of 79,0%, the share of credit cards – 17,8%. The share of debit cards with credit limit and share of prepaid cards is 1,7% and 1,5% respectively.
During January-September of 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 20,9 trln. tenge (growth against the similar period of 2018 has totaled 50,2%). The number of transactions reached 1,1 bln. and increased by 93,7% times versus the similar period of 2018. At that, the number and amount of cashless transactions increased by more 2 times (number of transactions 783,4 mln. transactions and the volume – 8,9 trln. tenge), operations with cash withdrawals 40,2% (number of transactions – 282,8 mln. transactions) and 23,7% (the volume of transactions – 12,1 trln. tenge) respectively.
The main bulk of cashless transactions in the territory of Kazakhstan has been made through POS-terminals (50,5% and 30,0% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (48,8% and 68,3% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (91,7% and 84,5% 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 01.10.18 |
As of 01.10.19 |
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Total number of cards in circulation (thousand), of which: |
21 318,7 |
30 568,9 |
|
local systems |
43,1 |
4 263,1 |
|
international systems, of which: |
21 275,6 |
26 305,8 |
|
Visa International, of which: |
13 409,5 |
15 418,5 |
|
debit |
9 465,4 |
9 350,5 |
|
credit |
3 284,4 |
5 178,7 |
|
Debit cards with credit limit and prepaid |
659,6 |
889,4 |
|
MasterCard Worldwide, of which: |
6 380,1 |
9 390,7 |
|
debit |
6 210,0 |
9 077,3 |
|
credit |
145,5 |
220,7 |
|
Debit cards with credit limit and prepaid |
24,5 |
92,7 |
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Number of card holders (thousand), of which: |
17 535,6 |
27 242,0 |
|
local systems |
38,6 |
4 263,0 |
|
international systems, of which: |
17 497,0 |
22 979,0 |
|
Visa International, of which: |
11 118,8 |
13 251,2 |
|
MasterCard Worldwide, of which: |
5 301,7 |
8 605,0 |
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Number of used cards (thousand), of which: |
10 330,3 |
18 459,7 |
|
local systems |
30,6 |
3 636,5 |
|
international systems, of which: |
10 299,7 |
14 823,2 |
|
Visa International, of which: |
6 140,1 |
7 908,6 |
|
debit |
4 454,6 |
4 794,9 |
|
credit |
1 402,7 |
2 701,6 |
|
Debit cards with credit limit and prepaid |
282,8 |
412,2 |
|
MasterCard Worldwide, of which: |
3 359,4 |
6 075,7 |
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debit |
3 289,6 |
5 946,7 |
|
credit |
64,0 |
94,0 |
|
Debit cards with credit limit and prepaid |
5,8 |
35,0 |
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Number of POS - terminals (units), of which: |
131 928 |
160 679 |
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commercial enterprises |
121 778 |
152 013 |
|
banks |
10 150 |
8 666 |
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Number of ATM (units) , of which: |
9 964 |
11 609 |
|
with cash distribution function |
7 440 |
7 139 |
|
with cash reception and distribution functions |
2 524 |
4 470 |
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Number of commercial enterprises (units) |
77 233 |
89 764 |
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Number payment terminals (units)[1] |
17 069 |
16 304 |
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Table 2 |
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Specifications |
As of 01.10.19 |
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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. |
24 150,9 |
5 435,6 |
982,4 |
27 242,0 |
15 197,0 |
2 815,4 |
447,3 |
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|
Akmola region |
625,6 |
132,7 |
22,6 |
695,4 |
385,9 |
61,2 |
9,2 |
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|
Aktobe region |
1 137,8 |
303,8 |
36,1 |
1 307,6 |
716,0 |
159,0 |
15,9 |
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|
Almaty region |
1 410,5 |
324,9 |
39,6 |
1 631,4 |
908,2 |
170,5 |
18,7 |
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|
Atyrau region |
1 263,9 |
250,2 |
23,2 |
1 354,9 |
828,5 |
137,0 |
9,7 |
||
|
East Kazakhstan reg. |
1 548,4 |
381,4 |
58,2 |
1 774,6 |
961,2 |
177,1 |
16,8 |
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|
Jambul region |
1 021,0 |
188,4 |
21,3 |
1 116,1 |
640,6 |
98,8 |
4,4 |
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|
West Kazakhstan reg. |
828,2 |
207,8 |
16,6 |
947,5 |
514,1 |
104,5 |
3,0 |
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|
Karaganda region |
1 860,7 |
411,2 |
87,9 |
2 090,2 |
1 217,6 |
210,4 |
49,9 |
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|
Kostanai region |
917,4 |
204,5 |
24,9 |
1 032,7 |
579,3 |
93,8 |
9,8 |
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|
Kyzylorda region |
815,4 |
205,6 |
36,2 |
928,6 |
514,2 |
121,4 |
20,2 |
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|
Mangistau region |
1 118,6 |
248,8 |
18,6 |
1 220,0 |
727,1 |
131,7 |
5,5 |
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|
Pavlodar region |
996,0 |
238,9 |
30,8 |
1 136,9 |
622,5 |
114,2 |
9,2 |
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|
North Kazakhstan reg. |
489,6 |
99,0 |
13,4 |
543,7 |
299,6 |
43,4 |
7,6 |
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|
Turkestan reg. and Shimkent city |
2 605,3 |
605,5 |
71,7 |
2 961,1 |
1 596,8 |
325,0 |
16,7 |
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Almaty city |
4 926,7 |
1 063,1 |
433,1 |
5 630,3 |
3 054,2 |
549,9 |
236,6 |
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Nur-Sultan city |
2 585,8 |
569,7 |
48,2 |
2 871,1 |
1 631,0 |
317,6 |
14,2 |
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Table 3 |
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Specifications |
As of 01.10.19 |
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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. |
160 679 |
11 609 |
89 764 |
16 304 |
|
Akmola region |
3 457 |
352 |
2 220 |
575 |
|
Aktobe region |
7 953 |
544 |
4 614 |
917 |
|
Almaty region |
3 565 |
560 |
1 766 |
529 |
|
Atyrau region |
4 984 |
594 |
2 524 |
720 |
|
East Kazakhstan reg. |
9 174 |
890 |
4 586 |
1 520 |
|
Jambul region |
3 165 |
454 |
1 328 |
656 |
|
West Kazakhstan reg. |
5 193 |
418 |
2 730 |
684 |
|
Karaganda region |
12 454 |
949 |
6 832 |
1 686 |
|
Kostanai region |
9 187 |
456 |
5 877 |
910 |
|
Kyzylorda region |
2 339 |
398 |
961 |
537 |
|
Mangistau region |
4 689 |
593 |
2 485 |
455 |
|
Pavlodar region |
8 370 |
605 |
4 719 |
876 |
|
North Kazakhstan reg. |
3 410 |
317 |
1 636 |
682 |
|
Turkestan reg. and Shimkent city |
6 907 |
938 |
3 224 |
1 225 |
|
Almaty city |
46 482 |
2 180 |
26 617 |
2 921 |
|
Nur-Sultan city |
29 350 |
1 361 |
17 645 |
1 411 |
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-September |
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|
Cashless transactions |
Cash withdrawals |
|
|
2018 |
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Number of transactions (thousand) of which; |
348 651,7 |
201 740,0 |
|
local systems |
26,6 |
238,0 |
|
international systems, of which: |
348 625,1 |
201 502,0 |
|
Visa International |
172 764,4 |
110 078,9 |
|
MasterCard Worldwide |
171 139,8 |
79 748,0 |
|
Volume (mln.tenge), of which; |
4 205 386,5 |
9 742 693,2 |
|
local systems |
27 437,5 |
11 330,1 |
|
international systems, of which: |
4 177 949,1 |
9 731 363,1 |
|
Visa International |
2 401 893,6 |
6 139 014,4 |
|
MasterCard Worldwide |
1 678 005,2 |
3 137 381,9 |
|
2019 |
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Number of transactions (thousand) of which; |
783 379,0 |
282 827,5 |
|
local systems |
128 699,6 |
4 575,1 |
|
international systems, of which: |
654 679,3 |
278 252,4 |
|
Visa International |
166 609,0 |
112 356,8 |
|
MasterCard Worldwide |
483 719,5 |
154 665,8 |
|
Volume (mln.tenge), of which; |
8 892 366,1 |
12 052 913,3 |
|
local systems |
1 809 169,7 |
243 616,1 |
|
international systems, of which: |
7 083 196,5 |
11 809 297,2 |
|
Visa International |
2 650 616,9 |
5 963 269,8 |
|
MasterCard Worldwide |
4 352 158,9 |
5 338 540,0 |
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Dynamics |
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Number |
2,2 times |
40,2% |
|
local systems |
4832,5 times |
19,2 times |
|
international systems, of which: |
87,8% |
38,1% |
|
Visa International |
-3,6% |
2,1% |
|
MasterCard Worldwide |
2,8 times |
93,9% |
|
Volume |
2,1 times |
23,7% |
|
local systems |
65,9 times |
21,5 times |
|
international systems, of which: |
69,5% |
21,4% |
|
Visa International |
10,4% |
-2,9% |
|
MasterCard Worldwide |
2,6 раз |
70,2% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
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Table 5 |
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Specifications |
January-September[3] |
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Cashless transactions |
Cash withdrawals |
|||
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Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
750 969,2 |
8 326 544,7 |
258 327,9 |
11 685 140,5 |
|
Akmola region |
4 898,7 |
68 284,2 |
6 987,5 |
275 835,5 |
|
Aktobe region |
13 218,5 |
152 770,8 |
12 071,2 |
478 915,3 |
|
Almaty region |
23 552,0 |
329 202,5 |
13 041,4 |
562 009,1 |
|
Atyrau region |
12 885,9 |
196 869,9 |
11 597,2 |
551 221,6 |
|
East Kazakhstan reg. |
13 140,2 |
150 158,1 |
17 317,4 |
713 513,8 |
|
Jambul region |
6 322,6 |
70 879,6 |
10 669,9 |
431 608,8 |
|
West Kazakhstan reg. |
9 366,1 |
129 812,3 |
9 022,1 |
355 528,0 |
|
Karaganda region |
24 536,1 |
257 594,6 |
17 795,3 |
757 365,3 |
|
Kostanai region |
15 630,5 |
131 587,1 |
9 809,5 |
403 222,4 |
|
Kyzylorda region |
5 193,4 |
60 636,0 |
8 168,1 |
341 864,5 |
|
Mangistau region |
10 524,7 |
134 645,1 |
10 302,0 |
563 022,9 |
|
Pavlodar region |
12 511,0 |
114 154,9 |
10 720,2 |
435 412,1 |
|
North Kazakhstan reg. |
4 996,6 |
49 009,2 |
5 615,1 |
220 707,5 |
|
Turkestan reg. and Shimkent city |
12 011,3 |
198 065,3 |
23 610,8 |
1 113 640,5 |
|
Almaty city |
494 846,5 |
5 478 485,2 |
65 522,4 |
3 217 885,4 |
|
Nur-Sultan city |
87 335,1 |
804 389,9 |
26 077,9 |
1 263 387,8 |
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-September |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
750 969,2 |
8 326 544,7 |
258 327,9 |
11 685 140,5 |
|
POS - terminal |
379 358,7 |
2 501 378,3 |
21 499,4 |
1 809 734,7 |
|
ATM |
5 165,1 |
139 789,7 |
236 828,5 |
9 875 405,8 |
|
Internet and mobile phone |
366 440,2 |
5 685 090,6 |
- |
- |
|
Bank’s booths |
5,2 |
286,1 |
- |
- |
