Version ¹178 on 27/06/2019
As of June 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» and local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan».
As of June 01, 2019 banks have issued 25,1 mln. payment cards and a number of card holders reached 21,8 mln. (in comparison with the situation on the same date of 2018, there is a growth of 20,8% and 20,2% respectively). The most widespread ones are the debit cards with the share of 75,3%, the share of credit cards – 20,8%. The share of debit cards with credit limit and share of prepaid cards is 2,0% and 1,8% respectively.
In May 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 2 393,6 bln. tenge (growth against May 2018 has totaled 57,5%). The number of transactions reached 125,5 mln. and increased by 2 times versus May 2018. At that, the number of payments of the cashless transactions and its amount increased by 2,3 times (number of transactions 92,4 mln. transactions and the volume of transactions – 1 020,0 bln. tenge), operations with cash withdrawals 44,8% (number of transactions – 33,1 mln. transactions) and 27,7% (the volume of transactions – 1 373,6 bln. tenge) respectively.
The main bulk of cashless transactions has been made through POS-terminals (52,9% and 32,6% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (46,4% and 65,8% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (91,2% and 83,5% 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.
|
Table 1 |
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|
Specifications |
As of 01.06.18 |
As of 01.06.19 |
|
Total number of cards in circulation (thousand), of which: |
20 774,9 |
25 094,3 |
|
local systems |
86,3 |
0,6 |
|
international systems, of which: |
20 688,6 |
25 093,7 |
|
Visa International, of which: |
13 050,8 |
15 363,2 |
|
debit |
9 484,8 |
9 457,8 |
|
credit |
2 991,4 |
5 000,0 |
|
Debit cards with credit limit and prepaid |
574,7 |
905,3 |
|
MasterCard Worldwide, of which: |
6 199,9 |
8 187,4 |
|
debit |
6 034,3 |
7 932,2 |
|
credit |
153,0 |
193,9 |
|
Debit cards with credit limit and prepaid |
12,6 |
61,2 |
|
Number of card holders (thousand), of which: |
18 146,7 |
21 810,8 |
|
local systems |
70,8 |
0,5 |
|
international systems, of which: |
18 075,9 |
21 810,4 |
|
Visa International, of which: |
11 426,1 |
13 335,9 |
|
MasterCard Worldwide, of which: |
5 499,4 |
7 319,1 |
|
Number of used cards (thousand), of which: |
10 408,9 |
13 673,6 |
|
local systems |
31,9 |
0,2 |
|
international systems, of which: |
10 377,0 |
13 673,3 |
|
Visa International, of which: |
6 213,1 |
7 801,3 |
|
debit |
4 628,6 |
4 658,8 |
|
credit |
1 309,3 |
2 716,5 |
|
Debit cards with credit limit and prepaid |
275,3 |
426,0 |
|
MasterCard Worldwide, of which: |
3 343,3 |
5 004,5 |
|
debit |
3 251,6 |
4 887,8 |
|
credit |
86,9 |
90,6 |
|
Debit cards with credit limit and prepaid |
4,8 |
26,1 |
|
Number of POS - terminals (units), of which: |
133 441 |
144 757 |
|
commercial enterprises |
124 319 |
136 144 |
|
banks |
9 122 |
8 613 |
|
Number of ATM (units) , of which: |
9 939 |
10 624 |
|
with cash distribution function |
7 900 |
7 352 |
|
with cash reception and distribution functions |
2 039 |
3 272 |
|
Number of commercial enterprises (units) |
81 142 |
87 124 |
|
Number payment terminals (units)[1] |
16 232 |
16 315 |
|
Table 2 |
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|
Specifications |
As of 01.06.19 |
||||||
|
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. |
18 896,9 |
5 230,4 |
966,9 |
21 810,8 |
10 392,2 |
2 828,9 |
452,4 |
|
Akmola region |
480,2 |
10,7 |
23,1 |
433,6 |
251,7 |
5,0 |
10,2 |
|
Aktobe region |
749,1 |
19,3 |
37,1 |
675,5 |
373,3 |
9,3 |
18,8 |
|
Almaty region |
820,4 |
14,2 |
39,5 |
753,3 |
431,5 |
6,0 |
19,8 |
|
Atyrau region |
750,5 |
20,2 |
23,0 |
642,1 |
351,5 |
9,9 |
10,4 |
|
East Kazakhstan reg. |
1 139,4 |
28,9 |
58,2 |
1 058,2 |
618,4 |
12,2 |
17,3 |
|
Jambul region |
700,3 |
9,5 |
21,3 |
632,8 |
377,0 |
4,9 |
5,2 |
|
West Kazakhstan reg. |
542,2 |
16,5 |
16,3 |
493,7 |
268,9 |
7,1 |
3,2 |
|
Karaganda region |
1 249,8 |
29,3 |
81,5 |
1 126,5 |
649,4 |
13,2 |
42,7 |
|
Kostanai region |
664,0 |
16,1 |
25,8 |
610,0 |
355,5 |
7,8 |
11,3 |
|
Kyzylorda region |
532,3 |
9,1 |
38,9 |
480,0 |
275,9 |
4,6 |
24,4 |
|
Mangistau region |
672,5 |
17,6 |
18,4 |
572,6 |
314,4 |
8,3 |
5,7 |
|
Pavlodar region |
701,2 |
21,4 |
29,5 |
642,9 |
362,7 |
10,6 |
9,0 |
|
North Kazakhstan reg. |
390,7 |
9,2 |
14,0 |
362,0 |
215,7 |
4,3 |
8,6 |
|
Turkestan reg. and Shimkent city |
2 727,7 |
53,3 |
86,5 |
2 363,0 |
1 316,1 |
30,1 |
20,2 |
|
Almaty city |
6 326,5 |
4 942,6 |
418,1 |
10 501,6 |
4 052,0 |
2 691,2 |
235,3 |
|
Nur-Sultan city |
450,3 |
12,4 |
35,6 |
463,0 |
178,4 |
4,3 |
10,3 |
|
Table 3 |
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|
Specifications |
As of 01.06.19 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
144 757 |
10 624 |
87 124 |
16 315 |
|
Akmola region |
3 219 |
334 |
2 073 |
579 |
|
Aktobe region |
7 120 |
536 |
4 517 |
907 |
|
Almaty region |
3 332 |
492 |
1 772 |
515 |
|
Atyrau region |
4 601 |
564 |
2 525 |
717 |
|
East Kazakhstan reg. |
8 157 |
831 |
4 430 |
1 520 |
|
Jambul region |
2 742 |
404 |
1 262 |
654 |
|
West Kazakhstan reg. |
4 836 |
388 |
2 659 |
682 |
|
Karaganda region |
11 214 |
908 |
6 687 |
1 688 |
|
Kostanai region |
8 610 |
442 |
5 722 |
903 |
|
Kyzylorda region |
2 000 |
342 |
945 |
533 |
|
Mangistau region |
4 125 |
551 |
2 397 |
451 |
|
Pavlodar region |
7 786 |
569 |
4 689 |
875 |
|
North Kazakhstan reg. |
3 084 |
316 |
1 526 |
681 |
|
Turkestan reg. and Shimkent city |
5 955 |
824 |
2 930 |
1 242 |
|
Almaty city |
41 161 |
1 919 |
25 699 |
2 943 |
|
Nur-Sultan city |
26 815 |
1 204 |
17 291 |
1 425 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
May |
|
|
Cashless transactions |
Cash withdrawals |
|
|
2018 |
||
|
Number of transactions (thousand) of which; |
39 460,8 |
22 882,5 |
|
local systems |
3,2 |
24,5 |
|
international systems, of which: |
39 457,5 |
22 858,1 |
|
Visa International |
20 190,5 |
12 930,8 |
|
MasterCard Worldwide |
18 951,5 |
8 625,4 |
|
Volume (mln.tenge), of which; |
443 306,7 |
1 076 006,1 |
|
local systems |
3 178,3 |
1 138,5 |
|
international systems, of which: |
440 128,4 |
1 074 867,6 |
|
Visa International |
265 790,3 |
688 512,4 |
|
MasterCard Worldwide |
169 432,7 |
337 814,2 |
|
2019 |
||
|
Number of transactions (thousand) of which; |
92 411,3 |
33 134,5 |
|
local systems |
804,0 |
0,3 |
|
international systems, of which: |
91 607,3 |
33 134,2 |
|
Visa International |
19 574,4 |
12 894,3 |
|
MasterCard Worldwide |
71 724,6 |
18 871,9 |
|
Volume (mln.tenge), of which; |
1 020 013,5 |
1 373 576,9 |
|
local systems |
28 740,7 |
12,2 |
|
international systems, of which: |
991 272,8 |
1 373 564,7 |
|
Visa International |
306 459,2 |
671 118,6 |
|
MasterCard Worldwide |
680 569,1 |
642 002,7 |
|
Dynamics |
||
|
Number |
2,3 times |
44,8% |
|
local systems |
248,1 times |
-98,9% |
|
international systems, of which: |
2,3 times |
45,0% |
|
Visa International |
-3,1% |
-0,3% |
|
MasterCard Worldwide |
3,8 times |
2,2 times |
|
Volume |
2,3 times |
27,7% |
|
local systems |
9,0 times |
-98,9% |
|
international systems, of which: |
2,3 times |
27,8% |
|
Visa International |
15,3% |
-2,5% |
|
MasterCard Worldwide |
4,0 times |
90,0% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
May |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
87 498,2 |
927 601,4 |
30 340,4 |
1 345 568,9 |
|
Akmola region |
472,4 |
6 130,5 |
806,9 |
30 873,5 |
|
Aktobe region |
1 306,8 |
14 637,2 |
1 409,6 |
54 036,1 |
|
Almaty region |
2 660,5 |
33 331,3 |
1 488,2 |
63 289,8 |
|
Atyrau region |
1 138,0 |
18 389,7 |
1 338,4 |
61 357,8 |
|
East Kazakhstan reg. |
1 088,6 |
14 133,3 |
1 995,1 |
80 958,5 |
|
Jambul region |
502,3 |
5 692,4 |
1 245,0 |
49 855,8 |
|
West Kazakhstan reg. |
925,9 |
13 492,1 |
1 060,5 |
40 325,7 |
|
Karaganda region |
2 448,1 |
25 511,3 |
2 051,0 |
86 080,5 |
|
Kostanai region |
1 583,1 |
13 796,3 |
1 141,4 |
45 386,9 |
|
Kyzylorda region |
448,1 |
5 821,4 |
933,0 |
37 425,8 |
|
Mangistau region |
1 017,0 |
12 661,6 |
1 156,8 |
61 422,1 |
|
Pavlodar region |
1 174,4 |
11 124,6 |
1 242,6 |
49 349,7 |
|
North Kazakhstan reg. |
486,5 |
5 297,1 |
647,4 |
24 293,3 |
|
Turkestan reg. and Shimkent city |
934,2 |
16 137,0 |
2 808,9 |
132 931,8 |
|
Almaty city |
62 200,9 |
651 941,0 |
7 942,1 |
386 411,4 |
|
Nur-Sultan city |
9 111,3 |
79 504,7 |
3 073,4 |
141 570,3 |
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 |
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|
Specifications |
May |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
87 498,2 |
927 601,4 |
30 340,4 |
1 345 568,9 |
|
POS - terminal |
46 314,7 |
301 978,6 |
2 656,7 |
221 405,1 |
|
ATM |
590,8 |
15 598,5 |
27 683,7 |
1 124 163,8 |
|
Internet and mobile phone |
40 592,1 |
609 994,7 |
- |
- |
|
Bank’s booths |
0,6 |
29,5 |
- |
- |
