Version ¹171 on 27/11/2018
As of November 01, 2018 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 (their share consists of 99,8%) 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 November 01, 2018 banks have issued 21,8 mln. payment cards and a number of card holders reached 18,0 mln. (in comparison with the situation on the same date of 2017, there is a growth of 19,7% and 10,2% respectively). The most widespread ones are the debit cards with the share of 79,8%, the share of credit cards – 16,8%. The share of debit cards with credit limit and share of prepaid cards is 1,9% and 1,5% respectively.
In Oktober 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 894,4 bln. tenge (growth against Oktober 2017 has totaled 48,1%). The number of transactions reached 82,3 mln. and increased by 83,0% versus Oktober 2017. At that, the number of payments and amount of the cashless payments increased by 2,3 and 2,0 times (number of transactions 55,3 mln. Transactions and the volume of transactions – 674,3 bln. tenge), operations with cash withdrawals 31,1% (number of transactions – 27,0 млн. transactions) and 29,0% (the volume of transactions – 1 220,0 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (61,9% and 42,5% out of the total number of payments and volume of cashless payments) and Internet (34,3% and 53,6% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (93,4% and 86,6% 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 |
||
|
Specifications |
As of 01.11.17 |
As of 01.11.18 |
|
Total number of cards in circulation (thousand), of which: |
18 239,6 |
21 830,2 |
|
local systems |
86,7 |
42,9 |
|
international systems, of which: |
18 152,9 |
21 787,3 |
|
Visa International, of which: |
11 954,5 |
13 711,8 |
|
debit |
9 003,4 |
9 552,3 |
|
credit |
2 299,2 |
3 467,5 |
|
Debit cards with credit limit and prepaid |
651,9 |
692,1 |
|
MasterCard Worldwide, of which: |
4 829,8 |
6 555,5 |
|
debit |
4 648,6 |
6 344,2 |
|
credit |
145,5 |
159,2 |
|
Debit cards with credit limit and prepaid |
35,7 |
52,1 |
|
Number of card holders (thousand), of which: |
16 295,8 |
17 955,0 |
|
local systems |
71,3 |
38,5 |
|
international systems, of which: |
16 224,5 |
17 916,4 |
|
Visa International, of which: |
10 891,4 |
11 290,3 |
|
MasterCard Worldwide, of which: |
4 224,2 |
5 527,2 |
|
Number of used cards (thousand), of which: |
9 226,6 |
10 605,1 |
|
local systems |
33,4 |
30,4 |
|
international systems, of which: |
9 193,2 |
10 574,6 |
|
Visa International, of which: |
5 931,8 |
6 266,9 |
|
debit |
4 588,6 |
4 553,7 |
|
credit |
988,9 |
1 431,5 |
|
Debit cards with credit limit and prepaid |
354,2 |
281,7 |
|
MasterCard Worldwide, of which: |
2 440,0 |
3 520,2 |
|
debit |
2 340,3 |
3 467,3 |
|
credit |
84,5 |
45,5 |
|
Debit cards with credit limit and prepaid |
15,2 |
7,4 |
|
Number of POS - terminals (units), of which: |
123 566 |
133 107 |
|
commercial enterprises |
113 604 |
123 385 |
|
banks |
9 962 |
9 722 |
|
Number of ATM (units) , of which: |
9 706 |
10 811 |
|
with cash distribution function |
8 099 |
8 018 |
|
with cash reception and distribution functions |
1 607 |
2 793 |
|
Number of commercial enterprises (units) |
75 916 |
78 699 |
|
Number payment terminals and bank’s booths (units)[1] |
16 309 |
17 086 |
|
Table 2 |
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|
Specifications |
As of 01.11.18 |
||||||
|
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. |
17 416,6 |
3 669,1 |
744,5 |
17 955,0 |
8 823,2 |
1 492,8 |
289,0 |
|
Akmola region |
469,1 |
10,4 |
19,1 |
423,8 |
202,7 |
1,4 |
9,4 |
|
Aktobe region |
749,2 |
17,5 |
31,9 |
652,5 |
280,1 |
2,9 |
15,3 |
|
Almaty region |
779,5 |
11,9 |
29,2 |
707,8 |
334,7 |
2,3 |
14,2 |
|
Atyrau region |
737,6 |
19,5 |
18,7 |
622,7 |
253,4 |
2,8 |
8,2 |
|
East Kazakhstan reg. |
1 117,0 |
25,4 |
55,4 |
1 031,0 |
812,7 |
4,3 |
16,4 |
|
Jambul region |
672,5 |
8,1 |
13,9 |
603,1 |
329,0 |
1,3 |
3,1 |
|
West Kazakhstan reg. |
515,8 |
15,4 |
10,7 |
461,4 |
212,6 |
2,6 |
1,9 |
|
Karaganda region |
1 230,1 |
30,2 |
56,4 |
1 082,2 |
512,0 |
3,4 |
19,9 |
|
Kostanai region |
644,9 |
13,6 |
22,6 |
590,9 |
310,1 |
3,3 |
9,5 |
|
Kyzylorda region |
523,1 |
8,4 |
33,2 |
462,4 |
213,6 |
1,2 |
21,9 |
|
Mangistau region |
652,3 |
16,4 |
15,0 |
549,1 |
244,6 |
2,7 |
4,4 |
|
Pavlodar region |
685,1 |
17,0 |
24,8 |
625,3 |
322,9 |
4,6 |
7,3 |
|
North Kazakhstan reg. |
374,5 |
8,5 |
13,1 |
353,2 |
188,6 |
1,6 |
8,2 |
|
South Kazakhstan reg. |
1 581,9 |
20,8 |
62,7 |
1 426,4 |
680,1 |
2,3 |
15,0 |
|
Almaty city |
5 246,7 |
3 404,3 |
294,0 |
7 128,4 |
3 434,5 |
1 447,6 |
124,3 |
|
Astana city |
1 437,3 |
41,9 |
43,8 |
1 234,8 |
491,6 |
8,4 |
10,1 |
|
Table 3 |
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|
Specifications |
As of 01.11.18 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
133 107 |
10 811 |
78 699 |
17 086 |
|
Akmola region |
2 738 |
323 |
1 694 |
535 |
|
Aktobe region |
6 471 |
504 |
4 006 |
922 |
|
Almaty region |
3 167 |
429 |
1 474 |
474 |
|
Atyrau region |
4 233 |
531 |
2 255 |
762 |
|
East Kazakhstan reg. |
7 692 |
789 |
4 018 |
1 534 |
|
Jambul region |
2 322 |
381 |
1 071 |
739 |
|
West Kazakhstan reg. |
4 189 |
376 |
2 236 |
713 |
|
Karaganda region |
9 789 |
828 |
5 810 |
1 830 |
|
Kostanai region |
7 859 |
406 |
4 982 |
923 |
|
Kyzylorda region |
1 777 |
323 |
801 |
563 |
|
Mangistau region |
5 086 |
838 |
3 018 |
495 |
|
Pavlodar region |
6 865 |
539 |
3 947 |
906 |
|
North Kazakhstan reg. |
2 988 |
303 |
1 403 |
688 |
|
South Kazakhstan reg. |
5 436 |
747 |
2 637 |
1 292 |
|
Almaty city |
37 434 |
1 858 |
23 369 |
3 152 |
|
Astana city |
25 061 |
1 636 |
15 978 |
1 558 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
24 401,2 |
20 568,4 |
|
local systems |
2,8 |
23,0 |
|
international systems, of which: |
24 398,5 |
20 545,5 |
|
Visa International |
15 883,6 |
12 882,2 |
|
MasterCard Worldwide |
8 235,8 |
6 368,1 |
|
Volume (mln.tenge), of which; |
333 277,1 |
945 765,7 |
|
local systems |
3 132,3 |
988,2 |
|
international systems, of which: |
330 144,8 |
944 777,5 |
|
Visa International |
225 766,8 |
628 927,4 |
|
MasterCard Worldwide |
100 503,4 |
269 575,3 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
55 319,1 |
26 956,7 |
|
local systems |
3,4 |
42,8 |
|
international systems, of which: |
55 315,7 |
26 913,9 |
|
Visa International |
20 415,2 |
12 711,2 |
|
MasterCard Worldwide |
33 581,8 |
12 960,8 |
|
Volume (mln.tenge), of which; |
674 269,6 |
1 220 167,4 |
|
local systems |
3 835,4 |
2 211,5 |
|
international systems, of which: |
670 434,3 |
1 217 955,9 |
|
Visa International |
337 848,7 |
693 260,3 |
|
MasterCard Worldwide |
302 627,8 |
473 397,7 |
|
Dynamics |
||
|
Number |
2,3 times |
31,1% |
|
local systems |
21,6% |
86,4% |
|
international systems, of which: |
2,3 times |
31,0% |
|
Visa International |
28,5% |
-1,3% |
|
MasterCard Worldwide |
4,1 times |
2,0 times |
|
Volume |
2,0 times |
29,0% |
|
local systems |
22,4% |
2,4 times |
|
international systems, of which: |
2,0 times |
28,9% |
|
Visa International |
49,6% |
10,2% |
|
MasterCard Worldwide |
3,0 times |
75,6% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
49 723,9 |
564 601,1 |
24 435,8 |
1 159 230,6 |
|
Akmola region |
381,7 |
22 086,3 |
704,4 |
30 031,1 |
|
Aktobe region |
742,4 |
9 989,1 |
1 160,5 |
49 411,5 |
|
Almaty region |
408,6 |
14 833,1 |
1 114,5 |
54 474,1 |
|
Atyrau region |
706,0 |
12 385,6 |
1 136,0 |
56 957,0 |
|
East Kazakhstan reg. |
633,6 |
9 015,8 |
1 707,5 |
74 314,9 |
|
Jambul region |
252,7 |
3 679,0 |
987,9 |
43 458,6 |
|
West Kazakhstan reg. |
521,5 |
7 849,9 |
865,8 |
36 019,8 |
|
Karaganda region |
2 306,1 |
27 235,4 |
1 667,4 |
76 637,3 |
|
Kostanai region |
1 140,6 |
9 380,4 |
969,1 |
42 661,4 |
|
Kyzylorda region |
225,2 |
2 872,1 |
769,2 |
35 634,2 |
|
Mangistau region |
619,8 |
8 996,6 |
976,7 |
58 202,3 |
|
Pavlodar region |
694,9 |
7 597,1 |
1 069,5 |
46 258,2 |
|
North Kazakhstan reg. |
291,6 |
4 101,1 |
567,9 |
22 752,0 |
|
South Kazakhstan reg. |
584,3 |
12 763,9 |
2 111,4 |
103 718,0 |
|
Almaty city |
34 755,5 |
362 792,2 |
5 924,4 |
297 538,3 |
|
Astana city |
5 459,4 |
49 023,6 |
2 703,6 |
131 162,0 |
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 |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
49 723,9 |
564 601,1 |
24 435,8 |
1 159 230,6 |
|
POS - terminal |
30 759,9 |
239 702,1 |
1 618,6 |
155 489,8 |
|
ATM |
686,5 |
15 521,2 |
22 817,2 |
1 003 740,9 |
|
Internet |
17 066,8 |
302 481,5 |
- |
- |
|
other |
1 210,7 |
6 896,2 |
- |
- |
