Version ¹170 on 26/10/2018
As of October 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 October 01, 2018 banks have issued 21,3 mln. payment cards and a number of card holders reached 17,5 mln. (in comparison with the situation on the same date of 2017, there is a growth of 19,2% and 10,1% respectively). The most widespread ones are the debit cards with the share of 80,5%, the share of credit cards – 16,3%. The share of debit cards with credit limit and share of prepaid cards is 1,9% and 1,3% respectively.
In September 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 794,6 bln. tenge (growth against September 2017 has totaled 51,8%). The number of transactions reached 76,1 mln. and increased by 88,5% versus September 2017. At that, the number of payments and amount of the cashless payments increased by 2,4 and 2,1 times (number of transactions 50,8 mln. Transactions and the volume of transactions – 616,9 bln. tenge), operations with cash withdrawals 32,9% (number of transactions – 25,2 млн. transactions) and 33,0% (the volume of transactions – 1 177,7 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (63,8% and 43,5% out of the total number of payments and volume of cashless payments) and Internet (32,3% and 52,4% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (93,8% and 86,3% 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 01.10.17 |
As of 01.10.18 |
|
Total number of cards in circulation (thousand), of which: |
17 879,4 |
21 318,7 |
|
local systems |
86,8 |
43,1 |
|
international systems, of which: |
17 792,6 |
21 275,6 |
|
Visa International, of which: |
11 781,8 |
13 409,5 |
|
debit |
8 925,2 |
9 465,4 |
|
credit |
2 219,1 |
3 284,4 |
|
Debit cards with credit limit and prepaid |
637,5 |
659,6 |
|
MasterCard Worldwide, of which: |
4 656,2 |
6 380,1 |
|
debit |
4 479,7 |
6 210,0 |
|
credit |
140,8 |
145,5 |
|
Debit cards with credit limit and prepaid |
35,7 |
24,5 |
|
Number of card holders (thousand), of which: |
15 925,0 |
17 535,6 |
|
local systems |
71,4 |
38,6 |
|
international systems, of which: |
15 853,6 |
17 497,0 |
|
Visa International, of which: |
10 710,6 |
11 118,8 |
|
MasterCard Worldwide, of which: |
4 042,7 |
5 301,7 |
|
Number of used cards (thousand), of which: |
8 756,9 |
10 330,3 |
|
local systems |
33,4 |
30,6 |
|
international systems, of which: |
8 723,5 |
10 299,7 |
|
Visa International, of which: |
5 655,3 |
6 140,1 |
|
debit |
4 436,0 |
4 454,6 |
|
credit |
869,4 |
1 402,7 |
|
Debit cards with credit limit and prepaid |
349,9 |
282,8 |
|
MasterCard Worldwide, of which: |
2 256,8 |
3 359,4 |
|
debit |
2 161,1 |
3 289,6 |
|
credit |
80,7 |
64,0 |
|
Debit cards with credit limit and prepaid |
15,1 |
5,8 |
|
Number of POS - terminals (units), of which: |
121 725 |
131 928 |
|
commercial enterprises |
111 800 |
121 778 |
|
banks |
9 925 |
10 150 |
|
Number of ATM (units) , of which: |
9 688 |
9 964 |
|
with cash distribution function |
8 097 |
7 440 |
|
with cash reception and distribution functions |
1 591 |
2 524 |
|
Number of commercial enterprises (units) |
74 443 |
77 233 |
|
Number payment terminals and bank’s booths (units)[1] |
16 179 |
17 071 |
|
Table 2 |
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|
Specifications |
As of 01.10.18 |
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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. |
17 160,1 |
3 474,0 |
684,5 |
17 535,6 |
8 551,4 |
1 490,0 |
288,9 |
|
Akmola region |
466,3 |
10,1 |
18,5 |
419,2 |
234,7 |
3,3 |
9,6 |
|
Aktobe region |
744,7 |
16,7 |
30,9 |
644,7 |
343,5 |
6,2 |
16,0 |
|
Almaty region |
760,1 |
11,0 |
27,7 |
693,3 |
394,8 |
3,8 |
14,1 |
|
Atyrau region |
724,8 |
18,8 |
18,3 |
613,1 |
345,6 |
8,2 |
8,4 |
|
East Kazakhstan reg. |
1 104,7 |
24,0 |
53,0 |
1 019,2 |
586,8 |
8,4 |
17,1 |
|
Jambul region |
664,2 |
7,8 |
13,1 |
597,0 |
349,5 |
2,7 |
3,6 |
|
West Kazakhstan reg. |
513,2 |
14,7 |
10,1 |
457,8 |
247,3 |
5,4 |
2,1 |
|
Karaganda region |
1 216,7 |
29,8 |
49,7 |
1 061,6 |
637,4 |
11,0 |
18,8 |
|
Kostanai region |
641,2 |
13,0 |
21,7 |
586,0 |
332,8 |
5,0 |
10,2 |
|
Kyzylorda region |
516,3 |
8,1 |
31,5 |
454,6 |
258,6 |
3,0 |
21,4 |
|
Mangistau region |
632,2 |
15,6 |
14,6 |
536,9 |
301,8 |
6,1 |
4,9 |
|
Pavlodar region |
681,3 |
16,0 |
24,2 |
621,4 |
348,4 |
6,1 |
7,9 |
|
North Kazakhstan reg. |
372,5 |
8,3 |
12,6 |
350,2 |
202,3 |
2,7 |
8,1 |
|
South Kazakhstan reg. |
1 558,3 |
19,8 |
62,0 |
1 399,8 |
761,7 |
6,7 |
16,0 |
|
Almaty city |
4 953,0 |
3 218,9 |
252,2 |
6 679,7 |
2 577,9 |
1 391,0 |
119,0 |
|
Astana city |
1 610,4 |
41,4 |
44,4 |
1 401,2 |
628,4 |
20,3 |
11,7 |
|
Table 3 |
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|
Specifications |
As of 01.10.18 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
131 928 |
9 964 |
77 233 |
17 071 |
|
Akmola region |
2 720 |
324 |
1 680 |
528 |
|
Aktobe region |
6 465 |
505 |
4 005 |
919 |
|
Almaty region |
3 186 |
425 |
1 493 |
473 |
|
Atyrau region |
4 292 |
531 |
2 254 |
762 |
|
East Kazakhstan reg. |
7 928 |
786 |
4 084 |
1 538 |
|
Jambul region |
2 417 |
380 |
1 112 |
736 |
|
West Kazakhstan reg. |
4 287 |
378 |
2 217 |
708 |
|
Karaganda region |
9 853 |
814 |
5 766 |
1 825 |
|
Kostanai region |
7 929 |
407 |
4 971 |
926 |
|
Kyzylorda region |
1 868 |
322 |
872 |
565 |
|
Mangistau region |
3 770 |
539 |
2 109 |
493 |
|
Pavlodar region |
6 935 |
538 |
3 963 |
902 |
|
North Kazakhstan reg. |
3 022 |
304 |
1 402 |
685 |
|
South Kazakhstan reg. |
5 449 |
732 |
2 654 |
1 300 |
|
Almaty city |
37 165 |
1 849 |
22 933 |
3 149 |
|
Astana city |
24 642 |
1 130 |
15 718 |
1 562 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
September |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
21 359,4 |
18 988,0 |
|
local systems |
0,1 |
22,3 |
|
international systems, of which: |
21 359,3 |
18 965,7 |
|
Visa International |
14 385,3 |
12 104,9 |
|
MasterCard Worldwide |
6 716,5 |
5 627,8 |
|
Volume (mln.tenge), of which; |
296 467,1 |
885 568,7 |
|
local systems |
2,2 |
976,6 |
|
international systems, of which: |
296 464,9 |
884 592,2 |
|
Visa International |
206 116,4 |
597 155,5 |
|
MasterCard Worldwide |
85 675,6 |
242 999,8 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
50 833,7 |
25 226,9 |
|
local systems |
2,9 |
22,0 |
|
international systems, of which: |
50 830,8 |
25 204,9 |
|
Visa International |
21 281,7 |
12 376,8 |
|
MasterCard Worldwide |
28 458,3 |
11 608,9 |
|
Volume (mln.tenge), of which; |
616 891,6 |
1 177 741,7 |
|
local systems |
3 305,8 |
1 111,2 |
|
international systems, of which: |
613 585,8 |
1 176 630,5 |
|
Visa International |
309 276,1 |
687 687,8 |
|
MasterCard Worldwide |
274 149,6 |
438 539,3 |
|
Dynamics |
||
|
Number |
2,4 times |
32,9% |
|
local systems |
19,4 times |
-1,4% |
|
international systems, of which: |
2,4 times |
32,9% |
|
Visa International |
47,9% |
2,2% |
|
MasterCard Worldwide |
4,2 times |
2,1 times |
|
Volume |
2,1 times |
33,0% |
|
local systems |
1499,9 times |
13,8% |
|
international systems, of which: |
2,1 times |
33,0% |
|
Visa International |
50,0% |
15,2% |
|
MasterCard Worldwide |
3,2 times |
80,5% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
46 671,8 |
521 054,3 |
23 274,6 |
1 125 079,1 |
|
Akmola region |
337,0 |
11 017,0 |
655,7 |
28 307,8 |
|
Aktobe region |
666,2 |
8 814,0 |
1 104,1 |
48 465,8 |
|
Almaty region |
356,7 |
13 571,2 |
1 088,2 |
52 416,0 |
|
Atyrau region |
639,0 |
11 095,9 |
1 109,7 |
57 718,6 |
|
East Kazakhstan reg. |
548,5 |
8 496,7 |
1 606,5 |
71 922,4 |
|
Jambul region |
217,5 |
3 217,8 |
938,1 |
41 934,1 |
|
West Kazakhstan reg. |
467,4 |
8 088,1 |
823,6 |
35 605,5 |
|
Karaganda region |
1 925,4 |
24 194,8 |
1 597,4 |
74 517,1 |
|
Kostanai region |
1 030,8 |
8 847,5 |
918,9 |
41 142,8 |
|
Kyzylorda region |
193,7 |
2 539,3 |
738,8 |
34 451,4 |
|
Mangistau region |
559,0 |
8 365,1 |
961,7 |
61 787,9 |
|
Pavlodar region |
610,4 |
6 776,0 |
1 007,8 |
44 306,1 |
|
North Kazakhstan reg. |
258,5 |
3 521,9 |
535,5 |
21 299,7 |
|
South Kazakhstan reg. |
484,1 |
11 139,6 |
1 949,0 |
95 641,3 |
|
Almaty city |
33 534,0 |
346 967,6 |
5 592,9 |
285 805,9 |
|
Astana city |
4 843,5 |
44 401,9 |
2 646,6 |
129 756,7 |
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 |
September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
46 671,8 |
521 054,3 |
23 274,6 |
1 125 079,1 |
|
POS - terminal |
29 792,0 |
226 610,1 |
1 438,5 |
154 598,8 |
|
ATM |
621,1 |
15 653,2 |
21 836,0 |
970 480,3 |
|
Internet |
15 057,1 |
273 187,5 |
- |
- |
|
other |
1 201,5 |
5 603,6 |
- |
- |
