Version ¹166 on 25/06/2018
As of June 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 June 01, 2018 banks have issued 20,8 mln. payment cards and a number of card holders reached 18,1 mln. (in comparison with the situation on the same date of 2017, there is a growth of 24,9% and 21,7% respectively). The most widespread ones are the debit cards with the share of 81,8%, the share of credit cards – 15,4%. The share of debit cards with credit limit and share of prepaid cards is 1,6% and 1,2% respectively.
In May 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 519,3 bln. tenge (growth against May 2017 has totaled 38,5%). The number of transactions reached 62,3 mln. and increased by 65,9% versus May 2017. At that, the number of payments and amount of the cashless payments went up to 127,8% (number of transactions 39,5 mln. transactions) and 103,0% (the volume of transactions – 443,3 bln. tenge), operations with cash withdrawals 12,9% (number of transactions – 22,9 млн. transactions) and 22,5% (the volume of transactions – 1 076,0 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (59,8% and 44,4% out of the total number of payments and volume of cashless payments) and Internet (32,6% and 47,9% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,5% and 84,9% 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 01.06.17 |
As of 01.06.18 |
|
Total number of cards in circulation (thousand), of which: |
16 626,6 |
20 774,9 |
|
local systems |
87,1 |
86,3 |
|
international systems, of which: |
16 539,5 |
20 688,6 |
|
Visa International, of which: |
11 436,1 |
13 050,8 |
|
debit |
8 671,5 |
9 484,8 |
|
credit |
2 176,0 |
2 991,4 |
|
Debit cards with credit limit and prepaid |
588,5 |
574,7 |
|
MasterCard Worldwide, of which: |
3 800,5 |
6 199,9 |
|
debit |
3 640,1 |
6 034,3 |
|
credit |
112,3 |
153,0 |
|
Debit cards with credit limit and prepaid |
48,1 |
12,6 |
|
Number of card holders (thousand), of which: |
14 912,5 |
18 146,7 |
|
local systems |
71,6 |
70,8 |
|
international systems, of which: |
14 840,9 |
18 075,9 |
|
Visa International, of which: |
10 414,5 |
11 426,1 |
|
MasterCard Worldwide, of which: |
3 364,0 |
5 499,4 |
|
Number of used cards (thousand), of which: |
8 424,0 |
10 408,9 |
|
local systems |
35,5 |
31,9 |
|
international systems, of which: |
8 388,4 |
10 377,0 |
|
Visa International, of which: |
5 685,8 |
6 213,1 |
|
debit |
4 508,9 |
4 628,6 |
|
credit |
839,1 |
1 309,3 |
|
Debit cards with credit limit and prepaid |
337,9 |
275,3 |
|
MasterCard Worldwide, of which: |
1 873,5 |
3 343,3 |
|
debit |
1 797,5 |
3 251,6 |
|
credit |
55,7 |
86,9 |
|
Debit cards with credit limit and prepaid |
20,3 |
4,8 |
|
Number of POS - terminals (units), of which: |
120 093 |
133 441 |
|
commercial enterprises |
110 211 |
124 319 |
|
banks |
9 882 |
9 122 |
|
Number of ATM (units) , of which: |
9 670 |
9 939 |
|
with cash distribution function |
7 821 |
7 900 |
|
with cash reception and distribution functions |
1 849 |
2 039 |
|
Number of commercial enterprises (units) |
72 561 |
81 142 |
|
Number of bank’s booths (units) |
997 |
782 |
|
Number of payment terminals (units)[1] |
15 090 |
16 232 |
|
Table 2 |
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|
Specifications |
As of 01.06.18 |
||||||
|
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. |
16 995,6 |
3 191,6 |
587,6 |
18 146,7 |
8 706,5 |
1 422,0 |
280,4 |
|
Akmola region |
455,3 |
9,9 |
16,9 |
435,6 |
242,2 |
4,1 |
9,7 |
|
Aktobe region |
747,5 |
15,7 |
27,2 |
710,6 |
369,2 |
7,0 |
15,1 |
|
Almaty region |
771,8 |
9,6 |
22,7 |
737,1 |
413,6 |
4,0 |
12,5 |
|
Atyrau region |
701,4 |
17,7 |
16,5 |
658,4 |
352,5 |
8,6 |
7,9 |
|
East Kazakhstan reg. |
1 110,4 |
22,1 |
47,4 |
1 065,6 |
607,5 |
9,1 |
17,5 |
|
Jambul region |
658,6 |
7,2 |
9,6 |
617,6 |
368,6 |
3,4 |
3,2 |
|
West Kazakhstan reg. |
512,1 |
13,4 |
8,3 |
481,1 |
257,0 |
5,8 |
1,9 |
|
Karaganda region |
1 220,5 |
30,2 |
39,4 |
1 140,3 |
664,7 |
13,1 |
16,2 |
|
Kostanai region |
636,1 |
11,4 |
20,9 |
600,1 |
345,9 |
5,1 |
11,5 |
|
Kyzylorda region |
515,9 |
7,7 |
29,3 |
492,7 |
271,2 |
3,6 |
21,6 |
|
Mangistau region |
623,7 |
14,7 |
13,4 |
577,0 |
312,4 |
6,7 |
4,6 |
|
Pavlodar region |
686,7 |
14,1 |
22,5 |
648,9 |
359,2 |
6,7 |
8,3 |
|
North Kazakhstan reg. |
373,4 |
7,8 |
12,6 |
360,1 |
210,1 |
3,2 |
8,5 |
|
South Kazakhstan reg. |
1 519,9 |
18,3 |
53,8 |
1 445,8 |
808,1 |
7,3 |
16,8 |
|
Almaty city |
5 065,4 |
2 952,1 |
206,3 |
6 867,0 |
2 490,7 |
1 311,8 |
114,2 |
|
Astana city |
1 397,1 |
39,8 |
40,8 |
1 308,8 |
633,6 |
22,5 |
10,8 |
|
Table 3 |
|||||
|
Specifications |
As of 01.06.18 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
133 441 |
9 939 |
81 142 |
782 |
16 232 |
|
Akmola region |
2 718 |
319 |
1 652 |
20 |
512 |
|
Aktobe region |
6 029 |
518 |
3 816 |
121 |
840 |
|
Almaty region |
3 358 |
415 |
1 398 |
18 |
464 |
|
Atyrau region |
4 163 |
540 |
2 088 |
41 |
701 |
|
East Kazakhstan reg. |
7 848 |
793 |
3 832 |
55 |
1 469 |
|
Jambul region |
2 651 |
378 |
1 004 |
46 |
711 |
|
West Kazakhstan reg. |
4 955 |
374 |
2 047 |
51 |
678 |
|
Karaganda region |
10 987 |
807 |
6 209 |
88 |
1 805 |
|
Kostanai region |
9 790 |
407 |
7 273 |
18 |
901 |
|
Kyzylorda region |
1 654 |
305 |
735 |
29 |
477 |
|
Mangistau region |
3 644 |
539 |
1 943 |
26 |
461 |
|
Pavlodar region |
6 994 |
548 |
4 289 |
48 |
882 |
|
North Kazakhstan reg. |
3 072 |
302 |
1 540 |
15 |
673 |
|
South Kazakhstan reg. |
5 152 |
727 |
2 469 |
36 |
1 235 |
|
Almaty city |
37 530 |
1 868 |
25 424 |
76 |
2 945 |
|
Astana city |
22 896 |
1 099 |
15 423 |
94 |
1 478 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
17 325,0 |
20 263,1 |
|
local systems |
2,9 |
24,2 |
|
international systems, of which: |
17 322,1 |
20 238,8 |
|
Visa International |
12 907,0 |
13 770,2 |
|
MasterCard Worldwide |
4 188,5 |
5 103,7 |
|
Volume (mln.tenge), of which; |
218 425,9 |
878 284,8 |
|
local systems |
2 933,1 |
936,2 |
|
international systems, of which: |
215 492,8 |
877 348,5 |
|
Visa International |
159 831,5 |
624 026,9 |
|
MasterCard Worldwide |
53 369,5 |
207 917,8 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
39 460,8 |
22 882,5 |
|
local systems |
3,2 |
24,5 |
|
international systems, of which: |
39 457,5 |
22 858,1 |
|
Visa International |
20 190,5 |
12 930,8 |
|
MasterCard Worldwide |
18 951,5 |
8 625,4 |
|
Volume (mln.tenge), of which; |
443 306,7 |
1 076 006,1 |
|
local systems |
3 178,3 |
1 138,5 |
|
international systems, of which: |
440 128,4 |
1 074 867,6 |
|
Visa International |
265 790,3 |
688 512,4 |
|
MasterCard Worldwide |
169 432,7 |
337 814,2 |
|
Dynamics (%) |
||
|
Number |
2,3 times |
12,9% |
|
local systems |
10,6% |
1,0% |
|
international systems, of which: |
2,3 times |
12,9% |
|
Visa International |
56,4% |
-6,1% |
|
MasterCard Worldwide |
4,5 times |
69,0% |
|
Volume |
2 times |
22,5% |
|
local systems |
8,4% |
21,6% |
|
international systems, of which: |
2 times |
22,5% |
|
Visa International |
66,3% |
10,3% |
|
MasterCard Worldwide |
3,2 times |
62,5% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
35 767,3 |
386 112,4 |
22 872,1 |
1 074 090,9 |
|
Akmola region |
312,5 |
8 667,1 |
654,0 |
27 304,2 |
|
Aktobe region |
628,8 |
7 987,1 |
1 119,7 |
48 363,4 |
|
Almaty region |
308,6 |
10 904,3 |
1 057,2 |
50 671,0 |
|
Atyrau region |
556,6 |
8 800,1 |
1 070,0 |
52 565,4 |
|
East Kazakhstan reg. |
560,5 |
7 458,0 |
1 647,0 |
69 926,6 |
|
Jambul region |
205,9 |
2 865,2 |
939,9 |
41 506,0 |
|
West Kazakhstan reg. |
438,6 |
6 849,6 |
823,2 |
34 089,6 |
|
Karaganda region |
1 364,1 |
17 486,2 |
1 817,6 |
81 120,8 |
|
Kostanai region |
949,3 |
7 474,7 |
945,7 |
41 853,6 |
|
Kyzylorda region |
181,3 |
2 397,6 |
709,2 |
33 347,0 |
|
Mangistau region |
536,5 |
8 084,6 |
942,7 |
55 106,9 |
|
Pavlodar region |
591,6 |
6 337,3 |
1 032,7 |
43 870,6 |
|
North Kazakhstan reg. |
267,3 |
3 138,7 |
553,9 |
21 293,8 |
|
South Kazakhstan reg. |
421,6 |
13 816,8 |
1 955,0 |
98 318,8 |
|
Almaty city |
24 995,4 |
238 765,2 |
5 113,6 |
256 874,7 |
|
Astana city |
3 448,9 |
35 079,7 |
2 490,8 |
117 878,5 |
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 |
May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
35 767,3 |
386 112,4 |
22 872,1 |
1 074 090,9 |
|
POS - terminal |
21 398,5 |
171 245,6 |
1 262,6 |
162 471,3 |
|
ATM |
799,5 |
20 725,4 |
21 609,6 |
911 619,6 |
|
Bank kiosk |
0,9 |
55,3 |
- |
- |
|
Internet |
11 673,4 |
184 864,1 |
- |
- |
|
other |
1 895,0 |
9 221,9 |
- |
- |
