Version ¹169 on 27/09/2018
As of September 01, 2018 actual origination of the payment cards were mainly realized by 24 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 September 01, 2018 banks have issued 21,6 mln. payment cards and a number of card holders reached 17,8 mln. (in comparison with the situation on the same date of 2017, there is a growth of 23,6% and 14,2% respectively). The most widespread ones are the debit cards with the share of 81,1%, the share of credit cards – 15,9%. The share of debit cards with credit limit and share of prepaid cards is 1,8% and 1,2% respectively.
In August 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 827,6 bln. tenge (growth against August 2017 has totaled 49,6%). The number of transactions reached 70,5 mln. and increased by 76,3% versus August 2017. At that, the number of payments and amount of the cashless payments increased by 2,3 times (number of transactions 46,4 mln. Transactions and the volume of transactions – 615,8 bln. tenge), operations with cash withdrawals 20,2% (number of transactions – 24,1 млн. transactions) and 27,2% (the volume of transactions – 1 211,8 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (66,8% and 48,4% out of the total number of payments and volume of cashless payments) and Internet (29,1% and 46,9% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (93,5% and 85,3% 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 |
||
|
Specifications |
As of 01.09.17 |
As of 01.09.18 |
|
Total number of cards in circulation (thousand), of which: |
17 471,4 |
21 595,1 |
|
local systems |
86,9 |
43,1 |
|
international systems, of which: |
17 384,5 |
21 551,9 |
|
Visa International, of which: |
11 593,9 |
13 336,3 |
|
debit |
8 816,5 |
9 455,1 |
|
credit |
2 188,0 |
3 241,2 |
|
Debit cards with credit limit and prepaid |
589,4 |
640,0 |
|
MasterCard Worldwide, of which: |
4 450,0 |
6 743,9 |
|
debit |
4 275,5 |
6 583,5 |
|
credit |
137,3 |
148,4 |
|
Debit cards with credit limit and prepaid |
37,1 |
12,0 |
|
Number of card holders (thousand), of which: |
15 571,7 |
17 787,3 |
|
local systems |
71,5 |
38,6 |
|
international systems, of which: |
15 500,3 |
17 748,6 |
|
Visa International, of which: |
10 576,7 |
11 065,9 |
|
MasterCard Worldwide, of which: |
3 832,3 |
5 614,3 |
|
Number of used cards (thousand), of which: |
8 687,4 |
8 442,8 |
|
local systems |
34,3 |
29,4 |
|
international systems, of which: |
8 653,1 |
8 413,5 |
|
Visa International, of which: |
5 682,3 |
4 965,4 |
|
debit |
4 482,0 |
3 308,2 |
|
credit |
864,7 |
1 387,2 |
|
Debit cards with credit limit and prepaid |
335,6 |
270,0 |
|
MasterCard Worldwide, of which: |
2 152,7 |
2 742,9 |
|
debit |
2 060,6 |
2 698,7 |
|
credit |
75,7 |
40,8 |
|
Debit cards with credit limit and prepaid |
16,3 |
3,4 |
|
Number of POS - terminals (units), of which: |
120 576 |
129 221 |
|
commercial enterprises |
110 658 |
119 076 |
|
banks |
9 918 |
10 145 |
|
Number of ATM (units) , of which: |
9 726 |
10 003 |
|
with cash distribution function |
8 137 |
7 540 |
|
with cash reception and distribution functions |
1 589 |
2 463 |
|
Number of commercial enterprises (units) |
73 320 |
76 068 |
|
Number payment terminals and bank’s booths (units)[1] |
16 203 |
17 025 |
|
Table 2 |
|||||||
|
Specifications |
As of 01.09.18 |
||||||
|
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. |
17 507,9 |
3 434,9 |
652,4 |
17 787,3 |
6 740,2 |
1 429,0 |
273,6 |
|
Akmola region |
458,9 |
10,1 |
17,8 |
411,6 |
175,5 |
1,9 |
9,3 |
|
Aktobe region |
745,6 |
16,4 |
30,5 |
642,9 |
249,3 |
3,2 |
15,8 |
|
Almaty region |
757,8 |
10,7 |
26,3 |
688,9 |
302,0 |
2,1 |
13,3 |
|
Atyrau region |
726,8 |
18,8 |
18,2 |
611,3 |
230,0 |
2,6 |
8,1 |
|
East Kazakhstan reg. |
1 101,5 |
23,7 |
51,8 |
1 014,6 |
462,2 |
4,4 |
16,4 |
|
Jambul region |
658,9 |
7,7 |
12,2 |
590,4 |
284,4 |
1,9 |
3,4 |
|
West Kazakhstan reg. |
511,3 |
14,4 |
9,4 |
454,6 |
188,3 |
2,8 |
1,9 |
|
Karaganda region |
1 215,7 |
29,8 |
46,2 |
1 057,7 |
452,2 |
4,5 |
15,6 |
|
Kostanai region |
632,4 |
12,6 |
20,7 |
578,2 |
275,8 |
3,3 |
9,3 |
|
Kyzylorda region |
511,5 |
8,1 |
31,3 |
451,2 |
188,8 |
1,7 |
21,6 |
|
Mangistau region |
633,6 |
15,5 |
14,6 |
535,1 |
212,9 |
2,6 |
4,5 |
|
Pavlodar region |
678,4 |
15,4 |
23,4 |
617,0 |
286,1 |
4,8 |
6,7 |
|
North Kazakhstan reg. |
368,3 |
8,1 |
12,6 |
345,5 |
164,5 |
1,8 |
8,1 |
|
South Kazakhstan reg. |
1 544,2 |
19,4 |
60,7 |
1 385,2 |
614,5 |
2,6 |
14,1 |
|
Almaty city |
5 550,3 |
3 182,5 |
233,6 |
7 189,3 |
2 229,4 |
1 379,8 |
115,3 |
|
Astana city |
1 412,7 |
41,5 |
43,1 |
1 214,0 |
424,2 |
8,9 |
10,6 |
|
Table 3 |
||||
|
Specifications |
As of 01.09.18 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
129 221 |
10 003 |
76 068 |
17 025 |
|
Akmola region |
2 691 |
322 |
1 650 |
526 |
|
Aktobe region |
6 364 |
506 |
3 962 |
935 |
|
Almaty region |
3 161 |
432 |
1 450 |
471 |
|
Atyrau region |
4 179 |
535 |
2 190 |
763 |
|
East Kazakhstan reg. |
7 791 |
789 |
4 001 |
1 537 |
|
Jambul region |
2 343 |
379 |
1 085 |
732 |
|
West Kazakhstan reg. |
4 214 |
376 |
2 169 |
706 |
|
Karaganda region |
9 768 |
823 |
5 646 |
1 819 |
|
Kostanai region |
7 761 |
407 |
4 918 |
928 |
|
Kyzylorda region |
1 825 |
317 |
840 |
558 |
|
Mangistau region |
3 663 |
541 |
2 076 |
485 |
|
Pavlodar region |
6 804 |
543 |
3 920 |
904 |
|
North Kazakhstan reg. |
2 936 |
301 |
1 401 |
690 |
|
South Kazakhstan reg. |
5 333 |
734 |
2 602 |
1 284 |
|
Almaty city |
36 223 |
1 857 |
22 630 |
3 109 |
|
Astana city |
24 165 |
1 141 |
15 528 |
1 578 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
19 956,0 |
20 057,9 |
|
local systems |
3,5 |
23,6 |
|
international systems, of which: |
19 952,5 |
20 034,3 |
|
Visa International |
13 614,0 |
13 038,2 |
|
MasterCard Worldwide |
6 118,5 |
5 711,6 |
|
Volume (mln.tenge), of which; |
268 698,3 |
952 897,5 |
|
local systems |
4 752,7 |
987,9 |
|
international systems, of which: |
263 945,6 |
951 909,7 |
|
Visa International |
182 663,5 |
652 125,7 |
|
MasterCard Worldwide |
78 860,3 |
253 288,3 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
46 430,6 |
24 114,9 |
|
local systems |
2,7 |
52,5 |
|
international systems, of which: |
46 427,8 |
24 062,4 |
|
Visa International |
19 810,2 |
10 442,3 |
|
MasterCard Worldwide |
25 047,5 |
11 953,9 |
|
Volume (mln.tenge), of which; |
615 760,6 |
1 211 790,9 |
|
local systems |
3 357,5 |
2 757,7 |
|
international systems, of which: |
612 403,1 |
1 209 033,1 |
|
Visa International |
324 182,6 |
732 975,6 |
|
MasterCard Worldwide |
252 385,5 |
407 350,7 |
|
Dynamics |
||
|
Number |
2,3 times |
20,2% |
|
local systems |
-21,7% |
2,2 times |
|
international systems, of which: |
2,3 times |
20,1% |
|
Visa International |
45,5% |
-19,9% |
|
MasterCard Worldwide |
4,1 times |
2,1 times |
|
Volume |
2,3 times |
27,2% |
|
local systems |
-29,4% |
2,8 times |
|
international systems, of which: |
2,3 times |
27,0% |
|
Visa International |
77,5% |
12,4% |
|
MasterCard Worldwide |
3,2 times |
60,8% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
45 686,7 |
518 744,6 |
22 398,8 |
1 165 910,4 |
|
Akmola region |
375,3 |
11 997,9 |
819,7 |
36 247,0 |
|
Aktobe region |
724,3 |
10 127,5 |
870,0 |
52 193,3 |
|
Almaty region |
368,1 |
13 705,8 |
1 300,5 |
63 447,3 |
|
Atyrau region |
672,7 |
11 730,2 |
851,2 |
50 865,3 |
|
East Kazakhstan reg. |
585,4 |
9 216,7 |
1 433,7 |
67 917,9 |
|
Jambul region |
238,4 |
4 317,6 |
699,6 |
44 165,7 |
|
West Kazakhstan reg. |
517,7 |
8 242,1 |
972,2 |
43 530,8 |
|
Karaganda region |
1 964,7 |
20 419,0 |
1 434,0 |
64 889,0 |
|
Kostanai region |
1 088,5 |
8 630,9 |
1 093,7 |
49 630,6 |
|
Kyzylorda region |
196,6 |
2 854,2 |
951,4 |
44 857,1 |
|
Mangistau region |
594,4 |
9 479,0 |
767,1 |
58 997,5 |
|
Pavlodar region |
675,5 |
7 820,7 |
1 244,2 |
54 093,5 |
|
North Kazakhstan reg. |
285,3 |
4 019,5 |
644,7 |
26 255,0 |
|
South Kazakhstan reg. |
506,6 |
12 967,6 |
1 904,8 |
98 891,3 |
|
Almaty city |
31 651,2 |
338 689,7 |
4 997,0 |
278 500,6 |
|
Astana city |
5 242,0 |
44 526,0 |
2 415,1 |
131 428,5 |
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 |
August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
45 686,7 |
518 744,6 |
22 398,8 |
1 165 910,4 |
|
POS - terminal |
30 517,3 |
251 059,7 |
1 462,0 |
170 931,5 |
|
ATM |
483,7 |
17 611,7 |
20 936,8 |
994 978,9 |
|
Bank kiosk |
0,7 |
46,5 |
- |
- |
|
Internet |
13 309,7 |
243 275,0 |
- |
- |
|
other |
1 375,3 |
6 751,8 |
- |
- |
