Version ¹177 on 27/05/2019
As of May 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 May 01, 2019 banks have issued 25,0 mln. payment cards and a number of card holders reached 21,6 mln. (in comparison with the situation on the same date of 2018, there is a growth of 21,5% and 21,1% respectively). The most widespread ones are the debit cards with the share of 75,6%, the share of credit cards – 20,7%. The share of debit cards with credit limit and share of prepaid cards is 2,0% and 1,7% respectively.
In April 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 2 164,9 bln. tenge (growth against April 2018 has totaled 42,8%). The number of transactions reached 115,4 mln. and increased by 2 times versus April 2018. At that, the number of payments of the cashless transactions increased by 2,4 times and its amount went up to 95,5% (number of transactions 84,2 mln. transactions and the volume of transactions – 878,9 bln. tenge), operations with cash withdrawals 40,7% (number of transactions – 31,2 mln. transactions) and 20,6% (the volume of transactions – 1 286,0 bln. tenge) respectively.
The main bulk of cashless transactions has been made through POS-terminals (55,4% and 34,7% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (43,9% and 63,5% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (91,4% and 83,3% 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 01.05.18 |
As of 01.05.19 |
|
Total number of cards in circulation (thousand), of which: |
20 535,6 |
24 956,5 |
|
local systems |
86,4 |
0,7 |
|
international systems, of which: |
20 449,3 |
24 955,8 |
|
Visa International, of which: |
12 901,8 |
15 499,9 |
|
debit |
9 519,6 |
9 698,0 |
|
credit |
2 845,6 |
4 923,6 |
|
Debit cards with credit limit and prepaid |
536,5 |
878,3 |
|
MasterCard Worldwide, of which: |
6 119,2 |
7 912,8 |
|
debit |
5 956,5 |
7 663,3 |
|
credit |
150,1 |
191,9 |
|
Debit cards with credit limit and prepaid |
12,7 |
57,6 |
|
Number of card holders (thousand), of which: |
17 859,1 |
21 624,8 |
|
local systems |
70,8 |
0,6 |
|
international systems, of which: |
17 788,2 |
21 624,2 |
|
Visa International, of which: |
11 321,7 |
13 431,9 |
|
MasterCard Worldwide, of which: |
5 321,4 |
7 040,1 |
|
Number of used cards (thousand), of which: |
10 186,6 |
13 347,1 |
|
local systems |
32,0 |
0,3 |
|
international systems, of which: |
10 154,6 |
13 346,8 |
|
Visa International, of which: |
6 165,4 |
7 732,0 |
|
debit |
4 624,5 |
4 649,1 |
|
credit |
1 285,5 |
2 670,0 |
|
Debit cards with credit limit and prepaid |
255,4 |
412,9 |
|
MasterCard Worldwide, of which: |
3 173,6 |
4 754,5 |
|
debit |
3 085,3 |
4 640,9 |
|
credit |
83,7 |
89,5 |
|
Debit cards with credit limit and prepaid |
4,6 |
24,0 |
|
Number of POS - terminals (units), of which: |
132 259 |
143 382 |
|
commercial enterprises |
123 141 |
134 801 |
|
banks |
9 118 |
8 581 |
|
Number of ATM (units) , of which: |
9 862 |
10 542 |
|
with cash distribution function |
7 831 |
7 359 |
|
with cash reception and distribution functions |
2 031 |
3 183 |
|
Number of commercial enterprises (units) |
82 350 |
86 501 |
|
Number payment terminals and bank’s booths (units)[1] |
16 282 |
16 783 |
|
Table 2 |
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|
Specifications |
As of 01.05.19 |
||||||
|
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. |
18 865,5 |
5 154,8 |
936,3 |
21 624,8 |
10 127,8 |
2 782,1 |
437,2 |
|
Akmola region |
480,9 |
11,1 |
22,6 |
434,0 |
251,8 |
5,0 |
10,1 |
|
Aktobe region |
755,5 |
19,8 |
36,0 |
678,4 |
370,7 |
9,3 |
18,1 |
|
Almaty region |
820,6 |
14,1 |
37,7 |
750,5 |
426,7 |
5,9 |
19,1 |
|
Atyrau region |
757,4 |
20,8 |
22,2 |
644,7 |
349,7 |
10,0 |
10,0 |
|
East Kazakhstan reg. |
1 146,2 |
29,0 |
57,2 |
1 059,3 |
614,7 |
12,2 |
17,1 |
|
Jambul region |
701,9 |
9,6 |
20,6 |
629,7 |
370,7 |
4,9 |
5,3 |
|
West Kazakhstan reg. |
545,9 |
16,8 |
15,5 |
495,2 |
268,2 |
7,2 |
3,2 |
|
Karaganda region |
1 260,0 |
30,1 |
80,9 |
1 133,8 |
650,3 |
13,6 |
42,1 |
|
Kostanai region |
672,1 |
16,0 |
25,6 |
614,8 |
352,6 |
7,6 |
11,2 |
|
Kyzylorda region |
531,8 |
9,2 |
36,9 |
476,6 |
273,5 |
4,7 |
23,0 |
|
Mangistau region |
676,1 |
17,8 |
17,9 |
574,3 |
312,6 |
8,2 |
5,6 |
|
Pavlodar region |
709,4 |
21,2 |
28,9 |
649,8 |
360,3 |
10,5 |
9,1 |
|
North Kazakhstan reg. |
387,7 |
9,2 |
13,9 |
362,8 |
214,2 |
4,4 |
8,6 |
|
Turkestan reg. and Shimkent city |
1 681,1 |
24,0 |
74,5 |
1 522,4 |
852,7 |
9,5 |
18,1 |
|
Almaty city |
6 237,7 |
4 862,1 |
398,5 |
10 302,2 |
3 839,1 |
2 644,0 |
223,6 |
|
Astana city |
1 501,2 |
44,1 |
47,2 |
1 296,3 |
620,0 |
25,3 |
13,0 |
|
Table 3 |
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|
Specifications |
As of 01.05.19 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
143 382 |
10 542 |
86 501 |
16 783 |
|
Akmola region |
3 187 |
334 |
2 090 |
581 |
|
Aktobe region |
7 083 |
522 |
4 551 |
917 |
|
Almaty region |
3 299 |
489 |
1 673 |
452 |
|
Atyrau region |
4 521 |
563 |
2 509 |
738 |
|
East Kazakhstan reg. |
8 088 |
824 |
4 414 |
1 530 |
|
Jambul region |
2 721 |
404 |
1 244 |
728 |
|
West Kazakhstan reg. |
4 762 |
383 |
2 622 |
696 |
|
Karaganda region |
11 085 |
903 |
6 636 |
1 872 |
|
Kostanai region |
8 527 |
440 |
5 661 |
907 |
|
Kyzylorda region |
2 009 |
340 |
946 |
536 |
|
Mangistau region |
4 110 |
548 |
2 387 |
478 |
|
Pavlodar region |
7 686 |
558 |
4 661 |
881 |
|
North Kazakhstan reg. |
3 077 |
315 |
1 530 |
680 |
|
Turkestan reg. and Shimkent city |
5 880 |
811 |
2 913 |
1 244 |
|
Almaty city |
40 855 |
1 916 |
25 489 |
3 102 |
|
Astana city |
26 492 |
1 192 |
17 175 |
1 441 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
April |
|
|
Cashless transactions |
Cash withdrawals |
|
|
2018 |
||
|
Number of transactions (thousand) of which; |
35 296,7 |
22 167,7 |
|
local systems |
3,3 |
22,3 |
|
international systems, of which: |
35 293,4 |
22 145,4 |
|
Visa International |
18 536,2 |
12 646,5 |
|
MasterCard Worldwide |
16 450,1 |
8 236,1 |
|
Volume (mln.tenge), of which; |
449 518,3 |
1 066 222,1 |
|
local systems |
3 372,4 |
1 018,4 |
|
international systems, of which: |
446 145,9 |
1 065 203,7 |
|
Visa International |
254 647,1 |
681 665,4 |
|
MasterCard Worldwide |
186 733,7 |
336 242,0 |
|
2019 |
||
|
Number of transactions (thousand) of which; |
84 219,6 |
31 195,3 |
|
local systems |
2,7 |
0,4 |
|
international systems, of which: |
84 216,9 |
31 194,9 |
|
Visa International |
16 967,4 |
12 269,2 |
|
MasterCard Worldwide |
66 973,5 |
17 683,7 |
|
Volume (mln.tenge), of which; |
878 902,6 |
1 286 010,6 |
|
local systems |
4 292,1 |
17,1 |
|
international systems, of which: |
874 610,4 |
1 285 993,4 |
|
Visa International |
270 811,9 |
645 726,4 |
|
MasterCard Worldwide |
600 574,7 |
586 325,7 |
|
Dynamics |
||
|
Number |
2,4 times |
40,7% |
|
local systems |
-17,9% |
-98,2% |
|
international systems, of which: |
2,4 |
40,9% |
|
Visa International |
-8,5% |
-3,0% |
|
MasterCard Worldwide |
4,1 times |
2,1 times |
|
Volume |
95,5% |
20,6% |
|
local systems |
27,3% |
-98,3% |
|
international systems, of which: |
96,0% |
20,7% |
|
Visa International |
6,3% |
-5,3% |
|
MasterCard Worldwide |
3,2 times |
74,4% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
April |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
82 914,1 |
839 654,4 |
28 349,2 |
1 252 520,1 |
|
Akmola region |
388,9 |
5 199,3 |
751,5 |
28 873,9 |
|
Aktobe region |
1 130,2 |
13 149,2 |
1 323,1 |
50 311,1 |
|
Almaty region |
2 756,7 |
34 580,0 |
1 392,6 |
58 994,4 |
|
Atyrau region |
1 042,2 |
17 157,8 |
1 258,1 |
58 656,6 |
|
East Kazakhstan reg. |
941,6 |
12 636,5 |
1 889,3 |
76 764,7 |
|
Jambul region |
422,2 |
5 069,6 |
1 129,5 |
45 495,6 |
|
West Kazakhstan reg. |
804,4 |
11 185,7 |
985,8 |
37 933,6 |
|
Karaganda region |
2 246,7 |
23 416,8 |
1 904,5 |
81 695,0 |
|
Kostanai region |
1 473,7 |
12 215,6 |
1 071,4 |
43 636,6 |
|
Kyzylorda region |
386,5 |
4 476,9 |
868,9 |
35 140,1 |
|
Mangistau region |
924,6 |
11 617,9 |
1 095,4 |
62 914,7 |
|
Pavlodar region |
1 033,0 |
9 735,3 |
1 162,8 |
46 180,2 |
|
North Kazakhstan reg. |
415,1 |
4 222,8 |
603,4 |
22 603,4 |
|
Turkestan reg. and Shimkent city |
845,5 |
14 031,3 |
2 566,8 |
115 234,4 |
|
Almaty city |
59 530,3 |
588 548,0 |
7 387,6 |
354 580,1 |
|
Astana city |
8 572,4 |
72 411,6 |
2 958,5 |
133 505,6 |
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 |
April |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
82 914,1 |
839 654,4 |
28 349,2 |
1 252 520,1 |
|
POS - terminal |
45 940,7 |
291 058,2 |
2 440,3 |
208 980,9 |
|
ATM |
592,7 |
15 246,3 |
25 908,9 |
1 043 539,2 |
|
Internet and mobile phone |
36 380,0 |
533 316,1 |
- |
- |
|
Bank’s booths |
0,7 |
33,9 |
- |
- |
