Version ¹163 on 26/03/2018
As of March 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 March 01, 2018 banks have issued 19,64 mln. payment cards and a number of card holders reached 17,2 mln. (in comparison with the situation on the same date of 2017, there is a growth of 23,6% and 19,6% respectively). The most widespread ones are the debit cards with the share of 82,3%, the share of credit cards – 13,9%. The share of debit cards with credit limit and share of prepaid cards is 2,7% and 1,1% respectively.
In February 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 313,2 bln. tenge (growth against February 2017 has totaled 44,6%). The number of transactions reached 50,9 mln. and increased by 64,4 % versus February 2017. At that, the number of payments and amount of the cashless payments went up to 128,5% (number of transactions 30,8 mln. transactions) and 122,0% (the volume of transactions – 363,0 bln. tenge), operations with cash withdrawals 14,9% (number of transactions – 20,0 млн. transactions) and 27,6% (the volume of transactions – 950,2 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (55,4% and 44,2% out of the total number of payments and volume of cashless payments) and Internet (41,5% and 49,4% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,7% 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 01.03.17 |
As of 01.03.18 |
|
Total number of cards in circulation (thousand), of which: |
15 856,0 |
19 601,1 |
|
local systems |
121,5 |
86,5 |
|
international systems, of which: |
15 734,5 |
19 514,6 |
|
Visa International, of which: |
11 202,6 |
12 448,8 |
|
debit |
8 589,6 |
9 223,0 |
|
credit |
2 061,9 |
2 533,6 |
|
Debit cards with credit limit and prepaid |
551,1 |
692,3 |
|
MasterCard Worldwide, of which: |
3 264,8 |
5 653,7 |
|
debit |
3 046,4 |
5 468,2 |
|
credit |
155,6 |
150,5 |
|
Debit cards with credit limit and prepaid |
62,8 |
35,1 |
|
Number of card holders (thousand), of which: |
14 389,5 |
17 213,6 |
|
local systems |
99,7 |
71,1 |
|
international systems, of which: |
14 289,8 |
17 142,6 |
|
Visa International, of which: |
10 273,8 |
11 055,8 |
|
MasterCard Worldwide, of which: |
2 993,1 |
4 951,5 |
|
Number of used cards (thousand), of which: |
8 252,0 |
9 903,4 |
|
local systems |
57,1 |
32,3 |
|
international systems, of which: |
8 194,9 |
9 871,0 |
|
Visa International, of which: |
5 747,8 |
6 147,9 |
|
debit |
4 458,7 |
4 519,0 |
|
credit |
959,1 |
1 296,5 |
|
Debit cards with credit limit and prepaid |
330,0 |
332,4 |
|
MasterCard Worldwide, of which: |
1 647,3 |
2 904,7 |
|
debit |
1 533,8 |
2 805,3 |
|
credit |
87,9 |
86,0 |
|
Debit cards with credit limit and prepaid |
25,6 |
13,4 |
|
Number of POS - terminals (units), of which: |
109 926 |
129 933 |
|
commercial enterprises |
101 778 |
120 031 |
|
banks |
8 148 |
9 902 |
|
Number of ATM (units) , of which: |
9 583 |
9 702 |
|
with cash distribution function |
8 022 |
7 993 |
|
with cash reception and distribution functions |
1 561 |
1 709 |
|
Number of commercial enterprises (units) |
68 449 |
81 299 |
|
Number of bank’s booths (units) |
1 494 |
869 |
|
Number of payment terminals (units)[1] |
14 498 |
15 437 |
|
Table 2 |
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|
Specifications |
As of 01.03.18 |
||||||
|
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. |
16 140,5 |
2 732,8 |
727,7 |
17 213,6 |
8 149,7 |
1 407,5 |
346,1 |
|
Akmola region |
454,7 |
9,6 |
22,4 |
437,3 |
243,0 |
4,2 |
12,6 |
|
Aktobe region |
717,2 |
14,9 |
33,9 |
692,3 |
358,9 |
6,4 |
18,1 |
|
Almaty region |
732,0 |
10,7 |
38,2 |
718,4 |
392,1 |
5,4 |
21,5 |
|
Atyrau region |
667,4 |
17,8 |
28,4 |
640,5 |
334,8 |
8,6 |
13,3 |
|
East Kazakhstan reg. |
1 062,0 |
20,1 |
59,8 |
1 033,9 |
582,2 |
8,7 |
25,1 |
|
Jambul region |
632,8 |
6,6 |
11,8 |
600,5 |
360,4 |
3,1 |
4,9 |
|
West Kazakhstan reg. |
597,3 |
12,6 |
13,5 |
560,8 |
290,0 |
5,3 |
4,3 |
|
Karaganda region |
1 152,8 |
29,2 |
55,0 |
1 100,2 |
647,1 |
12,8 |
23,5 |
|
Kostanai region |
617,0 |
10,1 |
24,0 |
584,3 |
340,4 |
4,3 |
12,8 |
|
Kyzylorda region |
495,6 |
7,2 |
34,0 |
481,4 |
259,5 |
3,3 |
23,0 |
|
Mangistau region |
581,9 |
14,8 |
26,7 |
554,4 |
295,5 |
6,9 |
12,7 |
|
Pavlodar region |
656,4 |
13,0 |
27,9 |
628,8 |
348,4 |
6,3 |
10,7 |
|
North Kazakhstan reg. |
363,7 |
7,0 |
14,6 |
353,0 |
205,4 |
2,8 |
9,6 |
|
South Kazakhstan reg. |
1 430,5 |
18,3 |
82,7 |
1 393,8 |
763,9 |
7,8 |
31,4 |
|
Almaty city |
4 677,5 |
2 503,8 |
196,9 |
6 199,7 |
2 143,5 |
1 301,3 |
105,3 |
|
Astana city |
1 301,7 |
37,2 |
57,9 |
1 234,5 |
584,6 |
20,2 |
17,2 |
|
Table 3 |
|||||
|
Specifications |
As of 01.03.18 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
129 933 |
9 702 |
81 299 |
869 |
15 437 |
|
Akmola region |
2 738 |
336 |
1 580 |
32 |
486 |
|
Aktobe region |
5 732 |
501 |
3 437 |
121 |
838 |
|
Almaty region |
3 066 |
389 |
1 571 |
23 |
437 |
|
Atyrau region |
4 271 |
535 |
2 256 |
41 |
732 |
|
East Kazakhstan reg. |
7 588 |
795 |
4 034 |
68 |
1 510 |
|
Jambul region |
2 293 |
353 |
1 118 |
46 |
682 |
|
West Kazakhstan reg. |
4 236 |
366 |
2 326 |
51 |
658 |
|
Karaganda region |
10 435 |
769 |
6 409 |
103 |
1 791 |
|
Kostanai region |
9 675 |
379 |
6 770 |
28 |
867 |
|
Kyzylorda region |
1 754 |
302 |
870 |
27 |
450 |
|
Mangistau region |
3 741 |
528 |
2 066 |
30 |
484 |
|
Pavlodar region |
7 415 |
532 |
4 653 |
53 |
866 |
|
North Kazakhstan reg. |
3 126 |
288 |
1 610 |
15 |
635 |
|
South Kazakhstan reg. |
5 173 |
682 |
2 611 |
52 |
1 212 |
|
Almaty city |
35 740 |
1 895 |
24 384 |
84 |
2 407 |
|
Astana city |
22 950 |
1 052 |
15 604 |
95 |
1 382 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
February |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
13 490,6 |
17 450,8 |
|
local systems |
4,5 |
39,9 |
|
international systems, of which: |
13 486,1 |
17 410,9 |
|
Visa International |
10 716,7 |
12 246,4 |
|
MasterCard Worldwide |
2 589,9 |
3 958,1 |
|
Volume (mln.tenge), of which; |
163 552,2 |
744 874,9 |
|
local systems |
2 892,1 |
1 669,7 |
|
international systems, of which: |
160 660,1 |
743 205,2 |
|
Visa International |
126 290,3 |
547 817,1 |
|
MasterCard Worldwide |
32 620,5 |
154 686,0 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
30 819,2 |
20 043,1 |
|
local systems |
2,8 |
21,9 |
|
international systems, of which: |
30 816,5 |
20 021,2 |
|
Visa International |
17 500,3 |
11 824,7 |
|
MasterCard Worldwide |
13 024,9 |
6 959,5 |
|
Volume (mln.tenge), of which; |
363 021,1 |
950 162,9 |
|
local systems |
2 617,5 |
995,3 |
|
international systems, of which: |
360 403,5 |
949 167,6 |
|
Visa International |
223 147,0 |
621 121,3 |
|
MasterCard Worldwide |
133 229,6 |
281 668,7 |
|
Dynamics (%) |
||
|
Number |
2,3 times |
14,86% |
|
local systems |
-38,05% |
-45,03% |
|
international systems, of which: |
2,3 times |
14,99% |
|
Visa International |
63,30% |
-3,44% |
|
MasterCard Worldwide |
5 times |
75,83% |
|
Volume |
2,2 times |
27,56% |
|
local systems |
-9,49% |
-40,39% |
|
international systems, of which: |
2,2 times |
27,71% |
|
Visa International |
76,69% |
13,38% |
|
MasterCard Worldwide |
4,1 times |
93,92% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
28 428,5 |
320 057,4 |
20 094,4 |
944 485,6 |
|
Akmola region |
241,6 |
5 685,5 |
584,6 |
24 237,8 |
|
Aktobe region |
510,8 |
6 686,9 |
993,9 |
42 039,7 |
|
Almaty region |
247,1 |
6 599,6 |
922,2 |
41 812,7 |
|
Atyrau region |
477,3 |
7 607,0 |
964,6 |
48 942,1 |
|
East Kazakhstan reg. |
449,5 |
5 807,1 |
1 468,2 |
62 267,0 |
|
Jambul region |
164,4 |
3 022,6 |
787,4 |
35 429,7 |
|
West Kazakhstan reg. |
349,1 |
5 529,1 |
720,8 |
30 781,4 |
|
Karaganda region |
1 055,2 |
13 452,2 |
1 625,2 |
73 435,7 |
|
Kostanai region |
788,9 |
5 942,9 |
835,0 |
36 969,9 |
|
Kyzylorda region |
155,9 |
1 814,0 |
607,9 |
28 688,1 |
|
Mangistau region |
447,7 |
6 378,1 |
889,5 |
55 865,2 |
|
Pavlodar region |
476,3 |
5 198,7 |
927,4 |
39 521,7 |
|
North Kazakhstan reg. |
212,7 |
2 685,3 |
497,2 |
19 259,4 |
|
South Kazakhstan reg. |
361,5 |
7 003,5 |
1 715,6 |
82 359,9 |
|
Almaty city |
19 588,3 |
208 550,3 |
4 382,1 |
216 229,0 |
|
Astana city |
2 902,2 |
28 094,4 |
2 172,6 |
106 646,4 |
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 |
February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
28 428,5 |
320 057,4 |
20 094,4 |
944 485,6 |
|
POS - terminal |
15 754,5 |
141 573,6 |
1 060,8 |
138 616,1 |
|
ATM |
757,1 |
16 638,7 |
19 033,5 |
805 869,6 |
|
bank kiosk |
4,8 |
156,2 |
- |
- |
|
Internet |
11 809,7 |
158 184,7 |
- |
- |
|
other |
102,5 |
3 504,3 |
- |
- |
