Version ¹167 on 27/07/2018
As of July 01, 2018 actual origination of the payment cards were mainly realized by 25 banks and JSC «Kazpost». These institutes issue and distribute payment cards of the international systems (their share consists of 99,6%) 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 Jule 01, 2018 banks have issued 21,3 mln. payment cards and a number of card holders reached 18,3 mln. (in comparison with the situation on the same date of 2017, there is a growth of 27,1% and 21,2% respectively). The most widespread ones are the debit cards with the share of 81,8%, the share of credit cards – 15,5%. The share of debit cards with credit limit and share of prepaid cards is 1,5% and 1,2% respectively.
In June 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 649,8 bln. tenge (growth against June 2017 has totaled 42,5%). The number of transactions reached 63,9 mln. and increased by 71,8% versus June 2017. At that, the number of payments and amount of the cashless payments increased by 2,3 times (number of transactions 40,1 mln. transactions) and twice (the volume of transactions – 464,8 bln. tenge), operations with cash withdrawals 18,2% (number of transactions – 23,7 млн. transactions) and 27,8% (the volume of transactions – 1 185,0 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (60,1% and 42,4% out of the total number of payments and volume of cashless payments) and Internet (33,3% and 50,9% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,2% and 84,8% 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 01.07.2017 |
As of 01.07.2018 |
|
Total number of cards in circulation (thousand), of which: |
16 730,0 |
21 265,4 |
|
local systems |
87,0 |
86,2 |
|
international systems, of which: |
16 643,0 |
21 179,2 |
|
Visa International, of which: |
11 434,6 |
13 267,6 |
|
debit |
8 708,3 |
9 614,2 |
|
credit |
2 130,8 |
3 083,6 |
|
Debit cards with credit limit and prepaid |
595,6 |
569,8 |
|
MasterCard Worldwide, of which: |
3 894,2 |
6 461,0 |
|
debit |
3 729,5 |
6 290,1 |
|
credit |
120,7 |
158,4 |
|
Debit cards with credit limit and prepaid |
43,9 |
12,5 |
|
Number of card holders (thousand), of which: |
15 133,3 |
18 343,3 |
|
local systems |
71,6 |
70,7 |
|
international systems, of which: |
15 061,7 |
18 272,6 |
|
Visa International, of which: |
10 453,9 |
11 458,1 |
|
MasterCard Worldwide, of which: |
3 535,3 |
5 656,1 |
|
Number of used cards (thousand), of which: |
8 664,9 |
10 562,6 |
|
local systems |
34,9 |
31,6 |
|
international systems, of which: |
8 630,0 |
10 531,0 |
|
Visa International, of which: |
5 676,7 |
6 255,5 |
|
debit |
4 517,7 |
4 647,8 |
|
credit |
818,9 |
1 339,3 |
|
Debit cards with credit limit and prepaid |
340,1 |
268,4 |
|
MasterCard Worldwide, of which: |
2 128,1 |
3 462,9 |
|
debit |
2 043,2 |
3 368,7 |
|
credit |
66,3 |
89,5 |
|
Debit cards with credit limit and prepaid |
18,6 |
4,7 |
|
Number of POS - terminals (units), of which: |
120 849 |
132 818 |
|
commercial enterprises |
110 964 |
123 336 |
|
banks |
9 885 |
9 482 |
|
Number of ATM (units) , of which: |
9 717 |
9 799 |
|
with cash distribution function |
8 126 |
7 707 |
|
with cash reception and distribution functions |
1 591 |
2 092 |
|
Number of commercial enterprises (units) |
73 216 |
83 221 |
|
Number of bank’s booths (units) |
968 |
684 |
|
Number of payment terminals (units)[1] |
15 083 |
16 536 |
|
Table 2 |
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|
Specifications |
As of 01.07.2018 |
||||||
|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others |
||
|
Total, incl. |
17 394,8 |
3 287,9 |
582,7 |
18 343,3 |
8 834,9 |
1 454,1 |
273,5 |
|
Akmola region |
463,8 |
10,3 |
16,4 |
438,5 |
242,5 |
4,2 |
9,3 |
|
Aktobe region |
769,1 |
16,1 |
27,4 |
713,7 |
368,7 |
7,1 |
15,3 |
|
Almaty region |
785,5 |
10,3 |
22,3 |
740,1 |
413,9 |
4,1 |
12,5 |
|
Atyrau region |
723,2 |
18,3 |
15,6 |
661,3 |
354,4 |
8,9 |
7,7 |
|
East Kazakhstan reg. |
1 126,3 |
23,1 |
45,9 |
1 068,3 |
606,3 |
9,3 |
16,8 |
|
Jambul region |
670,9 |
7,7 |
9,0 |
621,4 |
364,7 |
3,5 |
3,1 |
|
West Kazakhstan reg. |
521,5 |
13,9 |
8,0 |
483,5 |
256,5 |
5,9 |
1,6 |
|
Karaganda region |
1 250,6 |
31,2 |
39,2 |
1 144,2 |
663,2 |
13,3 |
15,1 |
|
Kostanai region |
645,8 |
12,1 |
20,0 |
601,5 |
345,9 |
5,1 |
10,6 |
|
Kyzylorda region |
526,8 |
8,1 |
27,8 |
494,0 |
270,4 |
3,7 |
20,6 |
|
Mangistau region |
637,3 |
15,3 |
12,9 |
577,9 |
310,5 |
6,9 |
4,5 |
|
Pavlodar region |
695,7 |
14,9 |
21,7 |
649,1 |
359,0 |
6,9 |
7,6 |
|
North Kazakhstan reg. |
378,1 |
8,0 |
12,1 |
360,9 |
209,8 |
3,2 |
8,2 |
|
South Kazakhstan reg. |
1 552,8 |
19,0 |
52,4 |
1 454,5 |
807,1 |
7,4 |
15,8 |
|
Almaty city |
5 222,5 |
3 038,5 |
211,9 |
7 019,8 |
2 622,5 |
1 341,4 |
114,1 |
|
Astana city |
1 424,9 |
41,0 |
40,3 |
1 314,6 |
639,4 |
23,2 |
10,5 |
|
Table 3 |
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|
Specifications |
As of 01.07.2018 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
132 818 |
9 799 |
83 221 |
684 |
16 536 |
|
Akmola region |
2 674 |
318 |
1 831 |
20 |
527 |
|
Aktobe region |
6 206 |
505 |
3 940 |
121 |
903 |
|
Almaty region |
2 996 |
417 |
1 480 |
4 |
479 |
|
Atyrau region |
4 185 |
530 |
2 287 |
29 |
724 |
|
East Kazakhstan reg. |
7 642 |
778 |
4 124 |
36 |
1 511 |
|
Jambul region |
2 226 |
369 |
1 132 |
46 |
719 |
|
West Kazakhstan reg. |
4 138 |
370 |
2 255 |
51 |
699 |
|
Karaganda region |
10 289 |
795 |
6 339 |
78 |
1 791 |
|
Kostanai region |
9 859 |
403 |
7 110 |
18 |
917 |
|
Kyzylorda region |
1 722 |
300 |
856 |
29 |
495 |
|
Mangistau region |
3 632 |
533 |
2 047 |
3 |
485 |
|
Pavlodar region |
6 726 |
541 |
4 100 |
47 |
898 |
|
North Kazakhstan reg. |
2 930 |
299 |
1 441 |
15 |
686 |
|
South Kazakhstan reg. |
5 373 |
711 |
2 704 |
17 |
1 255 |
|
Almaty city |
38 540 |
1 833 |
26 036 |
76 |
2 964 |
|
Astana city |
23 680 |
1 097 |
15 539 |
94 |
1 483 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
17 096,5 |
20 087,2 |
|
local systems |
2,5 |
22,1 |
|
international systems, of which: |
17 093,9 |
20 065,1 |
|
Visa International |
12 454,9 |
13 474,9 |
|
MasterCard Worldwide |
4 422,2 |
5 277,5 |
|
Volume (mln.tenge), of which; |
230 566,7 |
926 918,7 |
|
local systems |
2 646,3 |
872,4 |
|
international systems, of which: |
227 920,5 |
926 046,3 |
|
Visa International |
166 218,1 |
650 164,3 |
|
MasterCard Worldwide |
59 509,7 |
230 216,9 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
40 132,0 |
23 749,8 |
|
local systems |
2,9 |
21,3 |
|
international systems, of which: |
40 129,1 |
23 728,5 |
|
Visa International |
19 852,7 |
13 351,6 |
|
MasterCard Worldwide |
19 987,1 |
9 093,9 |
|
Volume (mln.tenge), of which; |
464 788,6 |
1 185 012,3 |
|
local systems |
2 943,9 |
1 007,0 |
|
international systems, of which: |
461 844,8 |
1 184 005,3 |
|
Visa International |
274 327,5 |
756 231,9 |
|
MasterCard Worldwide |
182 622,8 |
378 087,8 |
|
Dynamics (%) |
||
|
Number |
2,3 times |
18,2% |
|
local systems |
15,1% |
-3,7% |
|
international systems, of which: |
2,3 times |
18,3% |
|
Visa International |
59,4% |
-0,9% |
|
MasterCard Worldwide |
4,5 times |
72,3% |
|
Volume |
2,0 times |
27,8% |
|
local systems |
11,2% |
15,4% |
|
international systems, of which: |
2,0 times |
27,9% |
|
Visa International |
65,0% |
16,3% |
|
MasterCard Worldwide |
3,1 times |
64,2% |
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 |
June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
37 388,6 |
414 242,8 |
23 595,2 |
1 173 039,2 |
|
Akmola region |
335,5 |
9 772,7 |
697,9 |
30 744,0 |
|
Aktobe region |
649,7 |
8 375,9 |
1 160,8 |
52 462,6 |
|
Almaty region |
316,9 |
11 642,5 |
1 103,1 |
55 836,8 |
|
Atyrau region |
581,5 |
9 201,7 |
1 105,7 |
57 375,2 |
|
East Kazakhstan reg. |
564,2 |
8 023,4 |
1 702,0 |
75 688,8 |
|
Jambul region |
197,6 |
3 154,0 |
962,9 |
45 392,0 |
|
West Kazakhstan reg. |
438,7 |
7 726,5 |
835,5 |
36 837,6 |
|
Karaganda region |
1 517,9 |
20 929,5 |
1 851,4 |
88 301,4 |
|
Kostanai region |
1 011,6 |
7 729,4 |
967,6 |
44 612,2 |
|
Kyzylorda region |
175,5 |
2 449,2 |
765,7 |
38 939,7 |
|
Mangistau region |
519,3 |
7 885,9 |
969,7 |
60 256,0 |
|
Pavlodar region |
611,0 |
6 663,8 |
1 070,3 |
46 397,3 |
|
North Kazakhstan reg. |
271,2 |
3 570,1 |
573,7 |
23 374,4 |
|
South Kazakhstan reg. |
414,6 |
13 768,2 |
2 099,6 |
111 543,3 |
|
Almaty city |
26 073,2 |
255 717,0 |
5 177,7 |
276 477,3 |
|
Astana city |
3 710,4 |
37 633,0 |
2 551,7 |
128 800,7 |
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 |
||||
|
Specifications |
June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
37 388,6 |
414 242,8 |
23 595,2 |
1 173 039,2 |
|
POS - terminal |
22 481,4 |
175 645,9 |
1 370,2 |
178 380,2 |
|
ATM |
754,1 |
19 360,6 |
22 225,0 |
994 659,1 |
|
Bank kiosk |
0,9 |
54,5 |
- |
- |
|
Internet |
12 436,2 |
210 882,4 |
- |
- |
|
other |
1 716,0 |
8 299,4 |
- |
- |
