Version ¹181 on 27/09/2019
As of September 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 September 01, 2019 banks have issued 30,1 mln. payment cards and a number of card holders reached 26,6 mln. (in comparison with the situation on the same date of 2018, there is a growth of 39,6% and 49,5% respectively). The most widespread ones are the debit cards with the share of 78,6%, the share of credit cards – 18,0%. The share of debit cards with credit limit and share of prepaid cards is 1,8% and 1,5% respectively.
In August 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 2 729,0 bln. tenge (growth against August 2018 has totaled 49,3%). The number of transactions reached 130,4 mln. and increased by 84,8% times versus August 2018. At that, the number of payments of the cashless transactions increased by 2,1 times and its amount increased by 92,6% (number of transactions 96,0 mln. transactions and the volume of transactions – 1 186,0 tenge), operations with cash withdrawals 42,7% (number of transactions – 34,4 mln. transactions) and 27,3% (the volume of transactions – 1 543,1 bln. tenge) respectively.
The main bulk of cashless transactions has been made through POS-terminals (43,9% and 25,2% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (55,5% and 73,3% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (89,9% and 82,8% out of the total number of transactions 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 01.09.18 |
As of 01.09.19 |
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Total number of cards in circulation (thousand), of which: |
21 595,1 |
30 138,0 |
|
local systems |
43,1 |
4 030,1 |
|
international systems, of which: |
21 551,9 |
26 107,8 |
|
Visa International, of which: |
13 336,3 |
15 533,5 |
|
debit |
9 455,1 |
9 419,6 |
|
credit |
3 241,2 |
5 181,0 |
|
Debit cards with credit limit and prepaid |
640,0 |
932,9 |
|
MasterCard Worldwide, of which: |
6 743,9 |
9 027,2 |
|
debit |
6 583,5 |
8 729,9 |
|
credit |
148,4 |
213,8 |
|
Debit cards with credit limit and prepaid |
12,0 |
83,4 |
|
Number of card holders (thousand), of which: |
17 787,3 |
26 598,7 |
|
local systems |
38,6 |
4 030,0 |
|
international systems, of which: |
17 748,6 |
22 568,6 |
|
Visa International, of which: |
11 065,9 |
13 229,6 |
|
MasterCard Worldwide, of which: |
5 614,3 |
8 191,4 |
|
Number of used cards (thousand), of which: |
8 442,8 |
17 563,8 |
|
local systems |
29,4 |
3 386,9 |
|
international systems, of which: |
8 413,5 |
14 177,0 |
|
Visa International, of which: |
4 965,4 |
7 663,3 |
|
debit |
3 308,2 |
4 515,5 |
|
credit |
1 387,2 |
2 719,9 |
|
Debit cards with credit limit and prepaid |
270,0 |
427,9 |
|
MasterCard Worldwide, of which: |
2 742,9 |
5 664,3 |
|
debit |
2 698,7 |
5 543,3 |
|
credit |
40,8 |
89,4 |
|
Debit cards with credit limit and prepaid |
3,4 |
31,7 |
|
Number of POS - terminals (units), of which: |
129 221 |
154 742 |
|
commercial enterprises |
119 076 |
146 113 |
|
banks |
10 145 |
8 629 |
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Number of ATM (units) , of which: |
10 003 |
11 364 |
|
with cash distribution function |
7 540 |
7 200 |
|
with cash reception and distribution functions |
2 463 |
4 164 |
|
Number of commercial enterprises (units) |
76 068 |
88 937 |
|
Number payment terminals (units)[1] |
17 023 |
16 266 |
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Table 2 |
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Specifications |
As of 01.09.19 |
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Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
||||
|
Total, incl. |
23 690,5 |
5 430,9 |
1 016,6 |
26 598,7 |
14 274,7 |
2 829,4 |
459,8 |
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|
Akmola region |
616,5 |
132,6 |
23,6 |
683,1 |
357,9 |
61,8 |
10,3 |
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|
Aktobe region |
1 099,2 |
303,4 |
38,7 |
1 268,6 |
660,0 |
158,4 |
17,5 |
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|
Almaty region |
1 369,2 |
325,9 |
43,5 |
1 588,1 |
843,3 |
173,7 |
20,9 |
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|
Atyrau region |
1 244,7 |
250,7 |
25,6 |
1 335,0 |
770,9 |
138,7 |
10,8 |
||
|
East Kazakhstan reg. |
1 528,1 |
377,4 |
62,5 |
1 745,3 |
901,3 |
176,0 |
18,1 |
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|
Jambul region |
1 003,1 |
188,5 |
23,8 |
1 097,4 |
612,4 |
99,9 |
5,1 |
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|
West Kazakhstan reg. |
816,1 |
207,3 |
17,7 |
931,7 |
481,3 |
104,6 |
3,5 |
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|
Karaganda region |
1 829,7 |
412,0 |
89,0 |
2 053,9 |
1 131,1 |
211,8 |
48,8 |
||
|
Kostanai region |
909,0 |
204,1 |
26,5 |
1 017,9 |
552,2 |
93,6 |
11,2 |
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|
Kyzylorda region |
796,1 |
205,9 |
40,9 |
909,3 |
474,8 |
122,3 |
23,5 |
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|
Mangistau region |
1 098,1 |
249,0 |
19,2 |
1 197,5 |
691,7 |
132,0 |
5,9 |
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|
Pavlodar region |
982,0 |
238,6 |
32,4 |
1 119,5 |
594,3 |
114,6 |
10,0 |
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|
North Kazakhstan reg. |
483,3 |
98,8 |
14,4 |
536,5 |
286,2 |
43,7 |
8,2 |
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|
Turkestan reg. and Shimkent city |
2 550,5 |
604,3 |
74,9 |
2 890,8 |
1 514,6 |
331,2 |
18,3 |
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|
Almaty city |
4 834,9 |
1 062,3 |
432,9 |
5 442,6 |
2 873,2 |
550,1 |
232,7 |
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|
Nur-Sultan city |
2 529,9 |
570,1 |
51,1 |
2 781,6 |
1 529,4 |
317,0 |
14,9 |
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Table 3 |
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Specifications |
As of 01.09.19 |
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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. |
154 742 |
11 364 |
88 937 |
16 266 |
|
Akmola region |
3 369 |
350 |
2 176 |
573 |
|
Aktobe region |
7 583 |
539 |
4 577 |
907 |
|
Almaty region |
3 541 |
561 |
1 753 |
519 |
|
Atyrau region |
4 870 |
585 |
2 578 |
717 |
|
East Kazakhstan reg. |
8 682 |
880 |
4 549 |
1 517 |
|
Jambul region |
3 005 |
447 |
1 332 |
657 |
|
West Kazakhstan reg. |
5 054 |
412 |
2 698 |
680 |
|
Karaganda region |
11 952 |
941 |
6 729 |
1 692 |
|
Kostanai region |
8 933 |
457 |
5 790 |
910 |
|
Kyzylorda region |
2 202 |
383 |
929 |
534 |
|
Mangistau region |
4 388 |
592 |
2 460 |
451 |
|
Pavlodar region |
8 013 |
600 |
4 725 |
871 |
|
North Kazakhstan reg. |
3 301 |
323 |
1 596 |
679 |
|
Turkestan reg. and Shimkent city |
6 538 |
884 |
3 033 |
1 244 |
|
Almaty city |
44 819 |
2 062 |
26 377 |
2 917 |
|
Nur-Sultan city |
28 492 |
1 348 |
17 635 |
1 398 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
August |
|
|
Cashless transactions |
Cash withdrawals |
|
|
2018 |
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Number of transactions (thousand) of which; |
46 430,6 |
24 114,9 |
|
local systems |
2,7 |
52,5 |
|
international systems, of which: |
46 427,8 |
24 062,4 |
|
Visa International |
19 810,2 |
10 442,3 |
|
MasterCard Worldwide |
25 047,5 |
11 953,9 |
|
Volume (mln.tenge), of which; |
615 760,6 |
1 211 790,9 |
|
local systems |
3 357,5 |
2 757,7 |
|
international systems, of which: |
612 403,1 |
1 209 033,1 |
|
Visa International |
324 182,6 |
732 975,6 |
|
MasterCard Worldwide |
252 385,5 |
407 350,7 |
|
2019 |
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Number of transactions (thousand) of which; |
95 978,6 |
34 420,4 |
|
local systems |
42 376,3 |
3 103,1 |
|
international systems, of which: |
53 602,3 |
31 317,3 |
|
Visa International |
18 611,5 |
12 418,4 |
|
MasterCard Worldwide |
34 707,0 |
17 619,9 |
|
Volume (mln.tenge), of which; |
1 185 901,9 |
1 543 093,2 |
|
local systems |
563 824,8 |
153 574,0 |
|
international systems, of which: |
622 077,1 |
1 389 519,1 |
|
Visa International |
336 175,5 |
690 112,7 |
|
MasterCard Worldwide |
281 628,7 |
639 241,1 |
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Dynamics |
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|
Number |
2,1 times |
42,7% |
|
local systems |
15 465,8 times |
59,1 times |
|
international systems, of which: |
15,5% |
30,2% |
|
Visa International |
-6,1% |
18,9% |
|
MasterCard Worldwide |
38,6% |
47,4% |
|
Volume |
92,6% |
27,3% |
|
local systems |
167,9 times |
55,7 times |
|
international systems, of which: |
1,6% |
14,9% |
|
Visa International |
3,7% |
-5,8% |
|
MasterCard Worldwide |
11,6% |
56,9% |
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 |
August |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
93 954,1 |
1 150 927,0 |
31 617,4 |
1 468 674,2 |
|
Akmola region |
598,3 |
7 819,8 |
826,7 |
33 266,9 |
|
Aktobe region |
1 557,1 |
18 043,8 |
1 425,1 |
57 820,1 |
|
Almaty region |
1 687,4 |
26 582,6 |
1 635,3 |
71 378,5 |
|
Atyrau region |
1 434,8 |
23 904,5 |
1 391,4 |
66 212,6 |
|
East Kazakhstan reg. |
1 254,4 |
16 134,8 |
2 004,1 |
84 243,8 |
|
Jambul region |
674,0 |
6 955,2 |
1 312,9 |
54 763,7 |
|
West Kazakhstan reg. |
1 129,1 |
16 476,3 |
1 065,4 |
43 554,7 |
|
Karaganda region |
2 980,3 |
28 694,2 |
2 069,4 |
91 936,3 |
|
Kostanai region |
1 800,0 |
15 490,4 |
1 138,3 |
47 932,9 |
|
Kyzylorda region |
545,3 |
6 421,8 |
997,9 |
41 333,3 |
|
Mangistau region |
1 307,0 |
16 066,5 |
1 261,2 |
66 065,7 |
|
Pavlodar region |
1 439,3 |
12 993,7 |
1 275,5 |
51 396,9 |
|
North Kazakhstan reg. |
566,8 |
5 923,1 |
668,1 |
26 613,9 |
|
Turkestan reg. and Shimkent city |
1 211,9 |
21 508,5 |
2 961,2 |
142 658,2 |
|
Almaty city |
64 969,8 |
832 217,5 |
8 574,4 |
437 862,3 |
|
Nur-Sultan city |
10 798,7 |
95 694,2 |
3 010,3 |
151 634,3 |
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
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Table 6 |
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|
Specifications |
August |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
93 954,1 |
1 150 927,0 |
31 617,4 |
1 468 674,2 |
|
POS - terminal |
41 250,4 |
289 840,9 |
3 397,0 |
252 810,7 |
|
ATM |
529,1 |
17 134,9 |
28 220,4 |
1 215 863,5 |
|
Internet and mobile phone |
52 174,1 |
843 928,8 |
- |
- |
|
Bank’s booths |
0,5 |
22,4 |
- |
- |
