Version ¹168 on 18/09/2018
As of August 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 and American Express 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 August 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 24,1% and 14,0% respectively). The most widespread ones are the debit cards with the share of 81,0%, the share of credit cards – 16,1%. The share of debit cards with credit limit and share of prepaid cards is 1,7% and 1,2% respectively.
In July 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 647,6 bln. tenge (growth against July 2017 has totaled 44,3%). The number of transactions reached 64,9 mln. and increased by 71,4% versus July 2017. At that, the number of payments and amount of the cashless payments increased by 2,3 times (number of transactions 41,9 mln. transactions) and by 97,8%(the volume of transactions – 488,9 bln. tenge), operations with cash withdrawals 18,9% (number of transactions – 23,0 млн. transactions) and 29,5% (the volume of transactions – 1 158,7 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (61,1% and 41,2% out of the total number of payments and volume of cashless payments) and Internet (33,1% and 53,0% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,0% and 85,5% 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 01.08.17 |
As of 01.08.18 |
|
Total number of cards in circulation (thousand), of which: |
17 165,7 |
21 308,0 |
|
local systems |
87,0 |
43,2 |
|
international systems, of which: |
17 078,8 |
21 264,8 |
|
Visa International, of which: |
11 505,7 |
13 269,1 |
|
debit |
8 757,5 |
9 421,1 |
|
credit |
2 141,1 |
3 235,9 |
|
Debit cards with credit limit and prepaid |
607,1 |
612,1 |
|
MasterCard Worldwide, of which: |
4 246,1 |
6 534,4 |
|
debit |
4 075,1 |
6 379,5 |
|
credit |
129,9 |
142,7 |
|
Debit cards with credit limit and prepaid |
41,1 |
12,2 |
|
Number of card holders (thousand), of which: |
15 336,0 |
17 481,5 |
|
local systems |
71,5 |
38,7 |
|
international systems, of which: |
15 264,4 |
17 442,8 |
|
Visa International, of which: |
10 498,2 |
10 959,1 |
|
MasterCard Worldwide, of which: |
3 684,5 |
5 412,1 |
|
Number of used cards (thousand), of which: |
8 457,7 |
10 078,9 |
|
local systems |
34,5 |
31,2 |
|
international systems, of which: |
8 423,2 |
10 047,7 |
|
Visa International, of which: |
5 572,6 |
6 084,5 |
|
debit |
4 418,0 |
4 446,4 |
|
credit |
821,6 |
1 372,7 |
|
Debit cards with credit limit and prepaid |
333,0 |
265,4 |
|
MasterCard Worldwide, of which: |
2 039,8 |
3 169,4 |
|
debit |
1 952,1 |
3 096,6 |
|
credit |
70,1 |
68,4 |
|
Debit cards with credit limit and prepaid |
17,6 |
4,4 |
|
Number of POS - terminals (units), of which: |
120 417 |
128 044 |
|
commercial enterprises |
110 538 |
117 889 |
|
banks |
9 879 |
10 155 |
|
Number of ATM (units) , of which: |
9 747 |
9 894 |
|
with cash distribution function |
8 153 |
7 658 |
|
with cash reception and distribution functions |
1 594 |
2 236 |
|
Number of commercial enterprises (units) |
72 893 |
75 505 |
|
Number of bank’s booths (units) |
911 |
599 |
|
Number of payment terminals (units)[1] |
15 298 |
16 838 |
|
Table 2 |
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|
Specifications |
As of 01.078.18 |
||||||
|
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. |
17 257,9 |
3 425,3 |
624,8 |
17 481,5 |
8 343,4 |
1 465,3 |
270,1 |
|
Akmola region |
456,1 |
10,1 |
17,3 |
408,4 |
234,1 |
4,0 |
9,5 |
|
Aktobe region |
742,6 |
16,1 |
29,6 |
638,2 |
353,2 |
6,7 |
15,4 |
|
Almaty region |
756,2 |
10,4 |
25,2 |
685,6 |
397,7 |
4,1 |
13,4 |
|
Atyrau region |
722,6 |
18,6 |
17,2 |
605,8 |
335,8 |
8,5 |
7,6 |
|
East Kazakhstan reg. |
1 098,5 |
23,3 |
49,8 |
1 008,2 |
581,5 |
8,9 |
16,7 |
|
Jambul region |
653,8 |
7,6 |
11,0 |
584,3 |
350,7 |
3,4 |
3,2 |
|
West Kazakhstan reg. |
509,1 |
14,0 |
8,7 |
450,6 |
246,8 |
5,6 |
1,9 |
|
Karaganda region |
1 213,7 |
30,0 |
42,5 |
1 049,4 |
643,1 |
12,7 |
14,8 |
|
Kostanai region |
628,7 |
12,2 |
20,5 |
573,0 |
333,8 |
4,5 |
10,0 |
|
Kyzylorda region |
507,8 |
8,1 |
30,0 |
446,0 |
251,7 |
3,5 |
21,1 |
|
Mangistau region |
627,8 |
15,3 |
14,6 |
530,4 |
298,6 |
6,5 |
4,3 |
|
Pavlodar region |
675,2 |
15,1 |
23,3 |
613,0 |
349,2 |
6,1 |
7,6 |
|
North Kazakhstan reg. |
365,8 |
7,9 |
12,6 |
342,4 |
202,6 |
3,0 |
8,3 |
|
South Kazakhstan reg. |
1 529,5 |
19,1 |
58,5 |
1 369,1 |
747,9 |
7,1 |
14,6 |
|
Almaty city |
5 367,5 |
3 175,8 |
221,3 |
6 974,8 |
2 409,3 |
1 359,1 |
111,3 |
|
Astana city |
1 403,1 |
41,5 |
42,5 |
1 202,3 |
607,5 |
21,4 |
10,4 |
|
Table 3 |
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|
Specifications |
As of 01.08.18 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
128 044 |
9 894 |
75 505 |
599 |
16 838 |
|
Akmola region |
2 637 |
322 |
1 636 |
12 |
528 |
|
Aktobe region |
6 312 |
512 |
3 936 |
44 |
918 |
|
Almaty region |
3 046 |
415 |
1 406 |
54 |
465 |
|
Atyrau region |
4 080 |
537 |
2 176 |
21 |
749 |
|
East Kazakhstan reg. |
7 750 |
781 |
3 950 |
15 |
1 518 |
|
Jambul region |
2 310 |
374 |
1 068 |
97 |
733 |
|
West Kazakhstan reg. |
4 175 |
361 |
2 154 |
46 |
702 |
|
Karaganda region |
9 831 |
808 |
5 561 |
31 |
1 800 |
|
Kostanai region |
7 752 |
407 |
4 884 |
21 |
922 |
|
Kyzylorda region |
1 792 |
315 |
833 |
28 |
564 |
|
Mangistau region |
3 637 |
541 |
2 034 |
0 |
480 |
|
Pavlodar region |
6 768 |
542 |
3 905 |
71 |
905 |
|
North Kazakhstan reg. |
2 880 |
300 |
1 394 |
20 |
692 |
|
South Kazakhstan reg. |
5 303 |
723 |
2 581 |
15 |
1 263 |
|
Almaty city |
35 845 |
1 848 |
22 486 |
104 |
3 087 |
|
Astana city |
23 926 |
1 108 |
15 501 |
20 |
1 512 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
18 476,8 |
19 376,4 |
|
local systems |
2,3 |
23,1 |
|
international systems, of which: |
18 474,5 |
19 353,2 |
|
Visa International |
13 008,5 |
12 873,1 |
|
MasterCard Worldwide |
5 252,0 |
5 221,5 |
|
Volume (mln.tenge), of which; |
247 158,2 |
894 733,2 |
|
local systems |
2 321,5 |
950,0 |
|
international systems, of which: |
244 836,7 |
893 783,2 |
|
Visa International |
171 729,3 |
622 090,7 |
|
MasterCard Worldwide |
70 737,5 |
226 746,4 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
41 859,2 |
23 029,2 |
|
local systems |
3,4 |
21,1 |
|
international systems, of which: |
41 855,8 |
23 008,1 |
|
Visa International |
19 392,6 |
12 601,7 |
|
MasterCard Worldwide |
22 206,5 |
9 183,6 |
|
Volume (mln.tenge), of which; |
488 877,4 |
1 158 720,7 |
|
local systems |
3 551,7 |
1 044,5 |
|
international systems, of which: |
485 325,7 |
1 157 676,2 |
|
Visa International |
274 826,1 |
723 159,7 |
|
MasterCard Worldwide |
205 933,7 |
384 418,8 |
|
Dynamics (%) |
||
|
Number |
2,3 times |
18,9% |
|
local systems |
47,7% |
-9,0% |
|
international systems, of which: |
2,3 times |
18,9% |
|
Visa International |
49,1% |
-2,1% |
|
MasterCard Worldwide |
4,2 times |
75,9% |
|
Volume |
97,8% |
29,5% |
|
local systems |
53,0% |
9,9% |
|
international systems, of which: |
98,2% |
29,5% |
|
Visa International |
60,0% |
16,2% |
|
MasterCard Worldwide |
3,0 times |
69,5% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
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|
Specifications |
July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
39 030,0 |
425 487,5 |
22 536,4 |
1 135 408,1 |
|
Akmola region |
363,8 |
10 157,6 |
673,3 |
29 875,4 |
|
Aktobe region |
656,4 |
8 861,4 |
1 086,9 |
49 811,0 |
|
Almaty region |
345,5 |
11 858,0 |
1 069,6 |
53 977,6 |
|
Atyrau region |
587,0 |
9 538,5 |
1 054,3 |
56 010,5 |
|
East Kazakhstan reg. |
560,6 |
8 186,8 |
1 591,6 |
73 592,4 |
|
Jambul region |
204,9 |
2 863,5 |
926,7 |
42 756,1 |
|
West Kazakhstan reg. |
457,6 |
7 951,5 |
801,8 |
35 897,6 |
|
Karaganda region |
1 530,4 |
21 862,7 |
1 764,7 |
86 129,4 |
|
Kostanai region |
1 036,8 |
8 278,0 |
927,7 |
42 292,0 |
|
Kyzylorda region |
170,0 |
2 523,7 |
705,5 |
34 183,6 |
|
Mangistau region |
540,6 |
8 887,3 |
932,3 |
60 599,9 |
|
Pavlodar region |
631,2 |
6 678,3 |
1 031,8 |
44 834,6 |
|
North Kazakhstan reg. |
276,8 |
3 878,2 |
535,2 |
22 196,4 |
|
South Kazakhstan reg. |
425,2 |
11 426,1 |
1 930,3 |
98 632,3 |
|
Almaty city |
27 377,9 |
264 316,5 |
5 022,5 |
277 252,0 |
|
Astana city |
3 865,3 |
38 219,3 |
2 482,3 |
127 367,2 |
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 |
July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
39 030,0 |
425 487,5 |
22 536,4 |
1 135 408,1 |
|
POS - terminal |
23 858,0 |
175 306,4 |
1 363,1 |
165 157,9 |
|
ATM |
707,4 |
17 621,5 |
21 173,3 |
970 250,3 |
|
Bank kiosk |
0,7 |
43,3 |
- |
- |
|
Internet |
12 915,1 |
225 329,5 |
- |
- |
|
other |
1 548,7 |
7 186,8 |
- |
- |
