Version ¹164 on 27/04/2018
As of April 01, 2018 actual origination of the payment cards were mainly realized by 26 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 April 01, 2018 banks have issued 20,1 mln. payment cards and a number of card holders reached 17,6 mln. (in comparison with the situation on the same date of 2017, there is a growth of 24,7% and 20,9% respectively). The most widespread ones are the debit cards with the share of 81,6%, the share of credit cards – 14,7%. The share of debit cards with credit limit and share of prepaid cards is 2,6% and 1,1% respectively.
In March 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 426,9 bln. tenge (growth against March 2017 has totaled 39,8%). The number of transactions reached 56,6 mln. and increased by 59,9% versus March 2017. At that, the number of payments and amount of the cashless payments went up to 119,1% (number of transactions 34,3 mln. transactions) and 122,2% (the volume of transactions – 408,7 bln. tenge), operations with cash withdrawals 12,8% (number of transactions – 22,3 млн. transactions) and 21,7% (the volume of transactions – 1 018,2 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (57,7% and 46,4% out of the total number of payments and volume of cashless payments) and Internet (39,5% and 47,3% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,8% and 86,0% 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 01.04.17 |
As of 01.04.18 |
|
Total number of cards in circulation (thousand), of which: |
16 117,9 |
20 103,7 |
|
local systems |
98,3 |
86,4 |
|
international systems, of which: |
16 019,6 |
20 017,2 |
|
Visa International, of which: |
11 263,5 |
12 729,6 |
|
debit |
8 611,5 |
9 270,7 |
|
credit |
2 081,1 |
2 744,9 |
|
Debit cards with credit limit and prepaid |
570,9 |
714,0 |
|
MasterCard Worldwide, of which: |
3 476,5 |
5 868,9 |
|
debit |
3 317,8 |
5 672,9 |
|
credit |
100,2 |
161,4 |
|
Debit cards with credit limit and prepaid |
58,5 |
34,6 |
|
Number of card holders (thousand), of which: |
14 537,0 |
17 573,7 |
|
local systems |
80,3 |
71,0 |
|
international systems, of which: |
14 456,7 |
17 502,7 |
|
Visa International, of which: |
10 312,3 |
11 219,5 |
|
MasterCard Worldwide, of which: |
3 100,8 |
5 143,4 |
|
Number of used cards (thousand), of which: |
8 472,4 |
10 131,5 |
|
local systems |
42,8 |
32,1 |
|
international systems, of which: |
8 429,6 |
10 099,3 |
|
Visa International, of which: |
5 817,4 |
6 213,3 |
|
debit |
4 532,5 |
4 555,4 |
|
credit |
946,1 |
1 310,2 |
|
Debit cards with credit limit and prepaid |
338,7 |
347,8 |
|
MasterCard Worldwide, of which: |
1 787,1 |
3 064,0 |
|
debit |
1 708,6 |
2 959,3 |
|
credit |
54,8 |
91,3 |
|
Debit cards with credit limit and prepaid |
23,8 |
13,4 |
|
Number of POS - terminals (units), of which: |
114 879 |
131 675 |
|
commercial enterprises |
106 514 |
121 833 |
|
banks |
8 365 |
9 842 |
|
Number of ATM (units) , of which: |
9 678 |
9 641 |
|
with cash distribution function |
8 063 |
7 916 |
|
with cash reception and distribution functions |
1 615 |
1 725 |
|
Number of commercial enterprises (units) |
70 924 |
82 050 |
|
Number of bank’s booths (units) |
893 |
838 |
|
Number of payment terminals (units)[1] |
15 047 |
15 454 |
|
Table 2 |
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|
Specifications |
As of 01.04.18 |
||||||
|
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. |
16 401,2 |
2 953,5 |
749,0 |
17 573,7 |
8 342,7 |
1 427,2 |
361,5 |
|
Akmola region |
460,4 |
9,9 |
22,7 |
440,9 |
246,0 |
4,4 |
12,9 |
|
Aktobe region |
723,7 |
15,5 |
35,2 |
697,1 |
361,8 |
6,7 |
18,9 |
|
Almaty region |
737,9 |
11,4 |
38,6 |
722,7 |
398,3 |
5,6 |
22,4 |
|
Atyrau region |
674,1 |
18,2 |
28,7 |
644,9 |
338,3 |
9,2 |
13,6 |
|
East Kazakhstan reg. |
1 071,2 |
21,2 |
60,9 |
1 041,6 |
587,5 |
9,2 |
25,9 |
|
Jambul region |
638,0 |
7,0 |
12,5 |
604,7 |
366,7 |
3,3 |
5,1 |
|
West Kazakhstan reg. |
593,0 |
13,0 |
12,9 |
556,5 |
284,7 |
5,6 |
3,9 |
|
Karaganda region |
1 165,2 |
30,1 |
56,5 |
1 110,5 |
650,7 |
13,2 |
23,1 |
|
Kostanai region |
622,1 |
10,6 |
24,7 |
589,8 |
343,6 |
4,7 |
13,3 |
|
Kyzylorda region |
500,2 |
7,6 |
36,5 |
484,7 |
264,8 |
3,5 |
25,2 |
|
Mangistau region |
589,9 |
15,8 |
26,9 |
560,7 |
299,8 |
7,2 |
12,5 |
|
Pavlodar region |
664,6 |
13,6 |
27,9 |
634,1 |
352,8 |
6,7 |
11,1 |
|
North Kazakhstan reg. |
366,9 |
7,4 |
15,3 |
355,6 |
208,2 |
3,0 |
10,3 |
|
South Kazakhstan reg. |
1 444,2 |
19,6 |
81,8 |
1 406,7 |
776,5 |
8,4 |
32,0 |
|
Almaty city |
4 834,5 |
2 714,6 |
209,6 |
6 479,3 |
2 271,9 |
1 315,2 |
113,6 |
|
Astana city |
1 315,2 |
37,9 |
58,5 |
1 244,1 |
591,2 |
21,3 |
17,8 |
|
Table 3 |
|||||
|
Specifications |
As of 01.04.18 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
131 675 |
9 641 |
82 050 |
838 |
15 454 |
|
Akmola region |
2 756 |
335 |
1 591 |
22 |
486 |
|
Aktobe region |
6 105 |
498 |
3 790 |
121 |
837 |
|
Almaty region |
2 848 |
389 |
1 357 |
15 |
442 |
|
Atyrau region |
4 246 |
529 |
2 230 |
41 |
734 |
|
East Kazakhstan reg. |
7 470 |
776 |
3 877 |
59 |
1 494 |
|
Jambul region |
2 291 |
356 |
1 108 |
46 |
682 |
|
West Kazakhstan reg. |
4 266 |
366 |
2 344 |
51 |
659 |
|
Karaganda region |
10 705 |
771 |
6 425 |
96 |
1 795 |
|
Kostanai region |
9 731 |
379 |
6 816 |
29 |
866 |
|
Kyzylorda region |
1 779 |
301 |
886 |
27 |
450 |
|
Mangistau region |
3 756 |
524 |
2 069 |
30 |
487 |
|
Pavlodar region |
7 461 |
545 |
4 643 |
53 |
866 |
|
North Kazakhstan reg. |
3 138 |
287 |
1 613 |
15 |
635 |
|
South Kazakhstan reg. |
5 203 |
678 |
2 634 |
52 |
1 209 |
|
Almaty city |
36 494 |
1 859 |
24 813 |
86 |
2 422 |
|
Astana city |
23 426 |
1 048 |
15 854 |
95 |
1 390 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
15 655,2 |
19 729,5 |
|
local systems |
0,7 |
25,6 |
|
international systems, of which: |
15 654,6 |
19 703,8 |
|
Visa International |
12 284,3 |
13 779,6 |
|
MasterCard Worldwide |
3 158,4 |
4 598,2 |
|
Volume (mln.tenge), of which; |
183 920,3 |
836 545,2 |
|
local systems |
59,2 |
1 072,7 |
|
international systems, of which: |
183 861,1 |
835 472,5 |
|
Visa International |
143 471,8 |
610 327,2 |
|
MasterCard Worldwide |
38 026,3 |
181 426,2 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
34 306,8 |
22 260,7 |
|
local systems |
2,8 |
30,9 |
|
international systems, of which: |
34 304,0 |
22 229,8 |
|
Visa International |
18 649,3 |
12 951,4 |
|
MasterCard Worldwide |
15 337,2 |
7 985,0 |
|
Volume (mln.tenge), of which; |
408 689,9 |
1 018 231,5 |
|
local systems |
2 632,6 |
1 298,5 |
|
international systems, of which: |
406 057,4 |
1 016 933,0 |
|
Visa International |
249 509,9 |
659 650,8 |
|
MasterCard Worldwide |
151 905,2 |
309 640,3 |
|
Dynamics (%) |
||
|
Number |
2,2 times |
12,8% |
|
local systems |
4,2 times |
20,8% |
|
international systems, of which: |
2,2 times |
12,8% |
|
Visa International |
51,8% |
-6,0% |
|
MasterCard Worldwide |
4,9 times |
73,7% |
|
Volume |
2,2 times |
21,7% |
|
local systems |
44,5 times |
21,0% |
|
international systems, of which: |
2,2 times |
21,7% |
|
Visa International |
73,9% |
8,1% |
|
MasterCard Worldwide |
4,0 times |
70,7% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
31 608,5 |
359 059,5 |
22 305,7 |
1 010 151,0 |
|
Akmola region |
281,8 |
7 139,6 |
644,8 |
25 731,3 |
|
Aktobe region |
596,5 |
7 724,0 |
1 081,7 |
43 707,2 |
|
Almaty region |
285,5 |
7 973,4 |
1 033,5 |
45 911,3 |
|
Atyrau region |
544,7 |
8 227,4 |
1 060,6 |
50 498,5 |
|
East Kazakhstan reg. |
523,6 |
6 910,0 |
1 597,1 |
65 096,7 |
|
Jambul region |
203,0 |
3 170,3 |
914,2 |
38 960,1 |
|
West Kazakhstan reg. |
408,0 |
6 720,0 |
789,8 |
31 776,0 |
|
Karaganda region |
1 276,0 |
16 194,9 |
1 759,5 |
77 705,7 |
|
Kostanai region |
880,4 |
6 794,9 |
913,6 |
38 652,4 |
|
Kyzylorda region |
182,5 |
2 220,0 |
687,0 |
30 794,6 |
|
Mangistau region |
517,6 |
7 827,1 |
981,4 |
55 928,9 |
|
Pavlodar region |
561,2 |
6 331,8 |
1 013,3 |
42 095,0 |
|
North Kazakhstan reg. |
246,3 |
2 842,6 |
545,2 |
20 442,5 |
|
South Kazakhstan reg. |
438,4 |
10 486,9 |
1 949,6 |
91 488,2 |
|
Almaty city |
21 264,3 |
223 312,7 |
4 914,9 |
236 522,9 |
|
Astana city |
3 398,8 |
35 183,8 |
2 419,4 |
114 839,6 |
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 |
March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
31 608,5 |
359 059,5 |
22 305,7 |
1 010 151,0 |
|
POS - terminal |
18 230,7 |
166 677,0 |
1 150,0 |
141 334,2 |
|
ATM |
786,7 |
18 665,4 |
21 155,7 |
868 816,7 |
|
Bank kiosk |
3,3 |
125,6 |
- |
- |
|
Internet |
12 495,4 |
169 784,2 |
- |
- |
|
other |
92,4 |
3 807,3 |
- |
- |
