Version ¹176 on 26/04/2019
As of April 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 April 01, 2019 banks have issued 24,4 mln. payment cards and a number of card holders reached 21,2 mln. (in comparison with the situation on the same date of 2018, there is a growth of 21,5% and 20,6% respectively). The most widespread ones are the debit cards with the share of 75,6%, the share of credit cards – 20,8%. The share of debit cards with credit limit and share of prepaid cards is 2,0% and 1,6% respectively.
In March 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 2 098,6 bln. tenge (growth against March 2018 has totaled 47,1%). The number of transactions reached 111,8 mln. and increased by 97,7% versus March 2018. At that, the number of payments of the cashless payments increased by 2,4 times and its amount went up to 112,1% (number of transactions 80,7 mln. transactions and the volume of transactions – 866,9 bln. tenge), operations with cash withdrawals 39,5% (number of transactions – 31,1 mln. transactions) and 21% (the volume of transactions – 1 231,7 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (58,3% and 37,3% out of the total number of payments and volume of cashless payments) and Internet/mobile banking (40,8% and 60,8% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (91,9% and 85,1% out of the total number of payments 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 01.04.18 |
As of 01.04.19 |
|
Total number of cards in circulation (thousand), of which: |
20 103,7 |
24 427,8 |
|
local systems |
86,4 |
0,8 |
|
international systems, of which: |
20 017,2 |
24 427,0 |
|
Visa International, of which: |
12 729,6 |
15 310,4 |
|
debit |
9 270,7 |
9 623,3 |
|
credit |
2 744,9 |
4 852,9 |
|
Debit cards with credit limit and prepaid |
714,0 |
834,2 |
|
MasterCard Worldwide, of which: |
5 868,9 |
7 575,0 |
|
debit |
5 672,9 |
7 334,2 |
|
credit |
161,4 |
185,6 |
|
Debit cards with credit limit and prepaid |
31,1 |
55,2 |
|
Number of card holders (thousand), of which: |
17 573,7 |
21 200,8 |
|
local systems |
71,0 |
0,7 |
|
international systems, of which: |
17 502,7 |
21 200,1 |
|
Visa International, of which: |
11 219,5 |
13 342,2 |
|
MasterCard Worldwide, of which: |
5 143,4 |
6 713,2 |
|
Number of used cards (thousand), of which: |
10 131,5 |
13 125,9 |
|
local systems |
32,1 |
0,4 |
|
international systems, of which: |
10 099,3 |
13 125,6 |
|
Visa International, of which: |
6 213,3 |
7 728,6 |
|
debit |
4 555,4 |
4 684,2 |
|
credit |
1 310,2 |
2 657,8 |
|
Debit cards with credit limit and prepaid |
347,8 |
104,7 |
|
MasterCard Worldwide, of which: |
3 064,0 |
4 534,5 |
|
debit |
2 959,3 |
4 427,2 |
|
credit |
91,3 |
85,8 |
|
Debit cards with credit limit and prepaid |
13,3 |
3,5 |
|
Number of POS - terminals (units), of which: |
131 675,0 |
141 377 |
|
commercial enterprises |
121 833,0 |
138 879 |
|
banks |
9 842,0 |
8 498 |
|
Number of ATM (units) , of which: |
9 641,2 |
10 401 |
|
with cash distribution function |
7 916 |
7 341 |
|
with cash reception and distribution functions |
1 725 |
3 060 |
|
Number of commercial enterprises (units) |
82 050 |
85 592 |
|
Number payment terminals and bank’s booths (units)[1] |
16 292 |
17 484 |
|
Table 2 |
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|
Specifications |
As of 01.04.19 |
||||||
|
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. |
18 460,16 |
5 077,94 |
857,84 |
21 168,90 |
9 951,1 |
2684,83 |
408,4 |
|
Akmola region |
474,29 |
10,95 |
22,01 |
430,02 |
251,4 |
4,9 |
10,2 |
|
Aktobe region |
747,17 |
19,26 |
35,11 |
672,41 |
372,0 |
8,9 |
17,5 |
|
Almaty region |
809,41 |
13,47 |
36,34 |
740,79 |
425,3 |
5,7 |
18,8 |
|
Atyrau region |
747,60 |
20,54 |
21,56 |
639,05 |
350,8 |
9,8 |
9,6 |
|
East Kazakhstan reg. |
1 133,25 |
28,13 |
56,19 |
1 049,84 |
615,7 |
11,8 |
16,8 |
|
Jambul region |
687,06 |
9,27 |
19,05 |
621,19 |
373,1 |
4,7 |
4,9 |
|
West Kazakhstan reg. |
542,04 |
16,66 |
14,39 |
488,97 |
267,3 |
6,9 |
3,0 |
|
Karaganda region |
1 250,20 |
29,97 |
68,89 |
1 114,73 |
654,2 |
13,5 |
41,1 |
|
Kostanai region |
659,61 |
15,48 |
24,30 |
607,76 |
353,1 |
7,2 |
10,9 |
|
Kyzylorda region |
527,65 |
9,04 |
37,06 |
472,67 |
275,7 |
4,5 |
23,7 |
|
Mangistau region |
667,76 |
17,58 |
17,38 |
567,66 |
312,5 |
8,0 |
5,2 |
|
Pavlodar region |
701,07 |
20,50 |
27,39 |
644,13 |
363,1 |
10,1 |
8,4 |
|
North Kazakhstan reg. |
382,65 |
9,16 |
13,76 |
359,94 |
216,6 |
4,2 |
8,8 |
|
South Kazakhstan reg. |
1 656,84 |
23,19 |
72,45 |
1 467,90 |
856,1 |
9,2 |
17,4 |
|
Almaty city |
5 986,45 |
4 791,67 |
376,44 |
10 010,60 |
3 642,6 |
2 632,4 |
199,8 |
|
Astana city |
1 487,15 |
43,09 |
47,42 |
1 281,25 |
621,6 |
24,5 |
12,5 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.19 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
141 377 |
10 401 |
85 592 |
17 484 |
|
Akmola region |
3 117 |
332 |
2 034 |
548 |
|
Aktobe region |
7 032 |
513 |
4 485 |
936 |
|
Almaty region |
3 251 |
484 |
1 633 |
486 |
|
Atyrau region |
4 471 |
549 |
2 480 |
787 |
|
East Kazakhstan reg. |
7 928 |
816 |
4 331 |
1 565 |
|
Jambul region |
2 625 |
400 |
1 224 |
760 |
|
West Kazakhstan reg. |
4 653 |
378 |
2 595 |
722 |
|
Karaganda region |
10 838 |
886 |
6 561 |
1 882 |
|
Kostanai region |
8 388 |
441 |
5 571 |
949 |
|
Kyzylorda region |
1 971 |
339 |
923 |
568 |
|
Mangistau region |
4 034 |
540 |
2 328 |
506 |
|
Pavlodar region |
7 549 |
556 |
4 564 |
907 |
|
North Kazakhstan reg. |
3 047 |
315 |
1 517 |
697 |
|
South Kazakhstan reg. |
5 832 |
850 |
2 885 |
1 338 |
|
Almaty city |
40 288 |
1 751 |
25 361 |
3 206 |
|
Astana city |
26 353 |
1 251 |
17 100 |
1 627 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2018 |
||
|
Number of transactions (thousand) of which; |
34 306,8 |
22 260,7 |
|
local systems |
2,8 |
30,9 |
|
international systems, of which: |
34 304,0 |
22 229,8 |
|
Visa International |
18 649,3 |
12 951,4 |
|
MasterCard Worldwide |
15 337,2 |
7 985,0 |
|
Volume (mln.tenge), of which; |
408 689,9 |
1 018 231,5 |
|
local systems |
2 632,6 |
1 298,5 |
|
international systems, of which: |
406 057,4 |
1 016 933,0 |
|
Visa International |
249 509,9 |
659 650,8 |
|
MasterCard Worldwide |
151 905,2 |
309 640,3 |
|
2019 |
||
|
Number of transactions (thousand) of which; |
80 740,7 |
31 062,9 |
|
local systems |
2,6 |
0,5 |
|
international systems, of which: |
80 738,1 |
31 062,5 |
|
Visa International |
19 577,7 |
13 106,9 |
|
MasterCard Worldwide |
60 768,4 |
16 667,7 |
|
Volume (mln.tenge), of which; |
866 918,0 |
1 231 704,4 |
|
local systems |
3 504,5 |
18,7 |
|
international systems, of which: |
863 413,6 |
1 231 685,6 |
|
Visa International |
296 863,0 |
638 949,7 |
|
MasterCard Worldwide |
562 525,4 |
538 221,7 |
|
Dynamics |
||
|
Number |
2,4 times |
39,5% |
|
local systems |
-7,1% |
-98,4% |
|
international systems, of which: |
2,4 times |
39,7% |
|
Visa International |
5,0% |
1,2% |
|
MasterCard Worldwide |
4 times |
2,1 times |
|
Volume |
2,1 times |
21,0% |
|
local systems |
33,1% |
-98,6% |
|
international systems, of which: |
2,3 times |
21,1% |
|
Visa International |
19,0% |
-3,1% |
|
MasterCard Worldwide |
3,7 times |
73,8% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
79 233,1 |
777 222,8 |
28 611,1 |
1 202 079,0 |
|
Akmola region |
378,7 |
4253,9 |
768,0 |
28 267,8 |
|
Aktobe region |
1 096,2 |
12 230,0 |
1 307,8 |
47 637,3 |
|
Almaty region |
3 375,2 |
32 414,4 |
1 355,3 |
55 690,3 |
|
Atyrau region |
1 015,9 |
16 522,1 |
1 273,3 |
56 949,4 |
|
East Kazakhstan reg. |
941,7 |
12 189,1 |
1 912,7 |
73 831,4 |
|
Jambul region |
424,2 |
4 752,2 |
1 163,9 |
45 152,9 |
|
West Kazakhstan reg. |
782,4 |
10 443,4 |
966,7 |
35 483,1 |
|
Karaganda region |
2 196,6 |
22 992,5 |
1 883,9 |
77 121,2 |
|
Kostanai region |
1 389,6 |
11 227,7 |
1 079,9 |
41 742,8 |
|
Kyzylorda region |
390,3 |
4084,1 |
891,3 |
34 933,2 |
|
Mangistau region |
889,3 |
10 911,7 |
1 138,0 |
59 527,1 |
|
Pavlodar region |
1 021,9 |
9449,7 |
1 187,8 |
46 133,9 |
|
North Kazakhstan reg. |
417,8 |
4336,1 |
625,8 |
22 937,7 |
|
South Kazakhstan reg. |
833,0 |
13 194,3 |
2 611,8 |
111 712,2 |
|
Almaty city |
56 053,0 |
537 532,5 |
7 519,5 |
336 236,5 |
|
Astana city |
8027,2 |
70 689,1 |
2 925,4 |
128 722,1 |
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
|
Table 6 |
||||
|
Specifications |
March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
79 233,1 |
777 222,8 |
28 611,1 |
1 202 079,0 |
|
POS - terminal |
45 173,9 |
299 421,2 |
2 505,9 |
181 809,9 |
|
ATM |
647,1 |
14 549,7 |
26 105,2 |
1 020 269,0 |
|
Internet and mobile phone |
33 411,5 |
463 219,3 |
- |
- |
|
Bank’s booths |
0,6 |
32,7 |
- |
- |
