Version ¹162 on 26/02/2018
As of February 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 February 01, 2018 banks have issued 19,4 mln. payment cards and a number of card holders reached 17,1 mln. (in comparison with the situation on the same date of 2017, there is a growth of 23,4% and 19,8% respectively). The most widespread ones are the debit cards with the share of 81,5%, the share of credit cards – 14,8%. The share of debit cards with credit limit and share of prepaid cards is 2,7% and 1,0% respectively.
In January 2018 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 253,3 bln. tenge (growth against January 2017 has totaled 47,9%). The number of transactions reached 47,8 mln. and increased by 65,5 % versus January 2017. At that, the number of payments and amount of the cashless payments went up to 131,2% (number of transactions 29,5 mln. transactions) and 128,7% (the volume of transactions – 354,5 bln. tenge), operations with cash withdrawals 13,4% (number of transactions – 18,3 млн. transactions) and 29,8% (the volume of transactions – 898,8 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (54,0% and 44,6% out of the total number of payments and volume of cashless payments) and Internet (43,0% and 49,1% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,3% and 82,9% 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 01.02.17 |
As of 01.02.18 |
|
Total number of cards in circulation (thousand), of which: |
15 742,3 |
19 418,7 |
|
local systems |
153,4 |
86,5 |
|
international systems, of which: |
15 588,9 |
19 332,1 |
|
Visa International, of which: |
11 156,7 |
12 505,6 |
|
debit |
8 549,3 |
9 137,5 |
|
credit |
2 066,2 |
2 681,3 |
|
Debit cards with credit limit and prepaid |
541,2 |
686,8 |
|
MasterCard Worldwide, of which: |
3 172,2 |
5 421,3 |
|
debit |
2 877,1 |
5 241,4 |
|
credit |
229,6 |
144,4 |
|
Debit cards with credit limit and prepaid |
65,5 |
35,6 |
|
Number of card holders (thousand), of which: |
14 269,5 |
17 088,9 |
|
local systems |
127,1 |
71,1 |
|
international systems, of which: |
14 142,4 |
17 017,7 |
|
Visa International, of which: |
10 225,6 |
11 144,2 |
|
MasterCard Worldwide, of which: |
2 919,7 |
4 738,3 |
|
Number of used cards (thousand), of which: |
7 941,3 |
9 476,3 |
|
local systems |
79,6 |
32,6 |
|
international systems, of which: |
7 861,7 |
9 443,7 |
|
Visa International, of which: |
5 579,1 |
5 954,2 |
|
debit |
4 325,4 |
4 360,0 |
|
credit |
920,1 |
1 271,4 |
|
Debit cards with credit limit and prepaid |
333,7 |
322,8 |
|
MasterCard Worldwide, of which: |
1 509,7 |
2 675,0 |
|
debit |
1 355,4 |
2 578,7 |
|
credit |
127,3 |
82,4 |
|
Debit cards with credit limit and prepaid |
27,0 |
13,8 |
|
Number of POS - terminals (units), of which: |
108 384 |
127 987 |
|
commercial enterprises |
100 329 |
117 995 |
|
banks |
8 055 |
9 992 |
|
Number of ATM (units) , of which: |
9 576 |
9 700 |
|
with cash distribution function |
8 019 |
8 034 |
|
with cash reception and distribution functions |
1 557 |
1 666 |
|
Number of commercial enterprises (units) |
67 302 |
79 773 |
|
Number of bank’s booths (units) |
1 512 |
902 |
|
Number of payment terminals (units)[1] |
14 499 |
15 430 |
|
Table 2 |
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|
Specifications |
As of 01.02.18 |
||||||
|
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. |
15 822,7 |
2 873,2 |
722,7 |
17 088,9 |
7 761,1 |
1 378,2 |
336,9 |
|
Akmola region |
448,8 |
9,3 |
22,9 |
433,2 |
233,3 |
4,1 |
12,9 |
|
Aktobe region |
708,3 |
14,8 |
34,1 |
687,4 |
336,3 |
6,4 |
18,0 |
|
Almaty region |
723,6 |
10,5 |
38,7 |
713,0 |
373,1 |
5,3 |
21,6 |
|
Atyrau region |
660,5 |
16,9 |
29,1 |
635,5 |
322,0 |
8,4 |
13,6 |
|
East Kazakhstan reg. |
1 049,8 |
19,4 |
60,5 |
1 026,9 |
557,2 |
8,5 |
24,9 |
|
Jambul region |
623,9 |
6,5 |
11,9 |
594,6 |
345,7 |
3,1 |
4,9 |
|
West Kazakhstan reg. |
586,0 |
12,4 |
14,1 |
553,3 |
276,2 |
5,3 |
4,4 |
|
Karaganda region |
1 136,9 |
28,4 |
52,2 |
1 087,9 |
622,2 |
12,5 |
19,1 |
|
Kostanai region |
608,5 |
9,9 |
24,0 |
578,6 |
328,2 |
4,3 |
12,6 |
|
Kyzylorda region |
491,7 |
7,1 |
32,7 |
477,2 |
247,4 |
3,3 |
21,9 |
|
Mangistau region |
574,2 |
14,5 |
26,9 |
548,5 |
278,7 |
6,8 |
12,7 |
|
Pavlodar region |
649,4 |
12,7 |
29,3 |
625,5 |
338,9 |
6,2 |
10,7 |
|
North Kazakhstan reg. |
359,7 |
6,8 |
15,0 |
350,7 |
198,7 |
2,8 |
9,9 |
|
South Kazakhstan reg. |
1 410,2 |
18,2 |
84,3 |
1 379,3 |
726,6 |
7,7 |
33,9 |
|
Almaty city |
4 507,9 |
2 651,2 |
188,7 |
6 176,3 |
2 013,9 |
1 274,7 |
98,3 |
|
Astana city |
1 283,3 |
34,6 |
58,4 |
1 220,9 |
562,7 |
19,0 |
17,6 |
|
Table 3 |
|||||
|
Specifications |
As of 01.02.18 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
127 987 |
9 700 |
79 773 |
902 |
15 430 |
|
Akmola region |
2 729 |
335 |
1 554 |
32 |
486 |
|
Aktobe region |
5 248 |
501 |
2 976 |
121 |
834 |
|
Almaty region |
3 060 |
388 |
1 551 |
31 |
434 |
|
Atyrau region |
4 214 |
528 |
2 227 |
41 |
732 |
|
East Kazakhstan reg. |
7 434 |
776 |
3 956 |
73 |
1 511 |
|
Jambul region |
2 248 |
358 |
1 100 |
51 |
685 |
|
West Kazakhstan reg. |
4 091 |
367 |
2 235 |
52 |
660 |
|
Karaganda region |
10 341 |
755 |
6 327 |
104 |
1 788 |
|
Kostanai region |
9 702 |
380 |
6 811 |
28 |
873 |
|
Kyzylorda region |
1 744 |
306 |
857 |
27 |
452 |
|
Mangistau region |
3 711 |
528 |
2 036 |
47 |
482 |
|
Pavlodar region |
7 378 |
553 |
4 572 |
53 |
866 |
|
North Kazakhstan reg. |
3 131 |
288 |
1 606 |
24 |
636 |
|
South Kazakhstan reg. |
5 095 |
678 |
2 552 |
49 |
1 215 |
|
Almaty city |
35 259 |
1 904 |
24 131 |
74 |
2 408 |
|
Astana city |
22 602 |
1 055 |
15 282 |
95 |
1 368 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January |
|
|
Cashless payments |
Cash withdrawals |
|
|
2017 |
||
|
Number of transactions (thousand) of which; |
12 762,6 |
16 113,1 |
|
local systems |
5,5 |
67,8 |
|
international systems, of which: |
12 757,1 |
16 045,3 |
|
Visa International |
10 289,5 |
11 506,0 |
|
MasterCard Worldwide |
2 313,9 |
3 402,4 |
|
Volume (mln.tenge), of which; |
155 027,0 |
692 388,4 |
|
local systems |
2 554,8 |
2 684,0 |
|
international systems, of which: |
152 472,2 |
689 704,4 |
|
Visa International |
121 261,5 |
514 140,1 |
|
MasterCard Worldwide |
29 356,2 |
135 946,2 |
|
2018 |
||
|
Number of transactions (thousand) of which; |
29 512,7 |
18 265,3 |
|
local systems |
2,6 |
21,6 |
|
international systems, of which: |
29 510,1 |
18 243,7 |
|
Visa International |
17 551,0 |
10 953,2 |
|
MasterCard Worldwide |
11 676,7 |
6 101,8 |
|
Volume (mln.tenge), of which; |
354 532,3 |
898 805,0 |
|
local systems |
2 477,9 |
958,9 |
|
international systems, of which: |
352 054,4 |
897 846,1 |
|
Visa International |
226 187,0 |
588 009,5 |
|
MasterCard Worldwide |
121 612,4 |
263 620,2 |
|
Dynamics (%) |
||
|
Number |
2.3 times |
13,36% |
|
local systems |
-53,19% |
-68,16% |
|
international systems, of which: |
2.3 times |
13,70% |
|
Visa International |
70,57% |
-4,80% |
|
MasterCard Worldwide |
5.0 times |
79,34% |
|
Volume |
2.3 times |
29,81% |
|
local systems |
-3,01% |
-64,27% |
|
international systems, of which: |
2.3 times |
30,18% |
|
Visa International |
86,53% |
14,37% |
|
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 |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
26 723,7 |
301 921,9 |
18 203,6 |
889 681,1 |
|
Akmola region |
222,1 |
5 069,6 |
531,8 |
22 607,8 |
|
Aktobe region |
484,5 |
6 429,6 |
896,9 |
39 185,3 |
|
Almaty region |
226,7 |
5 793,7 |
822,6 |
38 511,4 |
|
Atyrau region |
447,8 |
6 997,9 |
877,5 |
42 843,7 |
|
East Kazakhstan reg. |
411,9 |
5 710,3 |
1 311,4 |
57 543,9 |
|
Jambul region |
151,0 |
2 661,9 |
728,3 |
32 350,5 |
|
West Kazakhstan reg. |
330,5 |
5 355,5 |
661,2 |
29 456,8 |
|
Karaganda region |
936,4 |
12 013,6 |
1 444,1 |
69 307,2 |
|
Kostanai region |
772,8 |
5 986,3 |
779,9 |
35 635,1 |
|
Kyzylorda region |
143,1 |
1 704,6 |
569,0 |
27 005,2 |
|
Mangistau region |
411,8 |
5 622,5 |
810,5 |
51 705,9 |
|
Pavlodar region |
437,4 |
4 667,0 |
850,8 |
38 309,9 |
|
North Kazakhstan reg. |
205,6 |
2 449,6 |
456,9 |
18 616,5 |
|
South Kazakhstan reg. |
323,4 |
8 958,9 |
1 595,5 |
76 595,2 |
|
Almaty city |
18 507,5 |
194 720,9 |
3 871,9 |
207 101,6 |
|
Astana city |
2 711,1 |
27 779,9 |
1 995,3 |
102 905,2 |
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 |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
26 723,7 |
301 921,9 |
18 203,6 |
889 681,1 |
|
POS - terminal |
14 439,6 |
134 710,1 |
1 034,6 |
151 753,5 |
|
ATM |
706,6 |
15 870,4 |
17 169,0 |
737 927,5 |
|
bank kiosk |
8,0 |
233,9 |
- |
- |
|
Internet |
11 493,2 |
148 199,8 |
- |
- |
|
other |
76,4 |
2 907,7 |
- |
- |
