Version ¹160 on 25/12/2017
As of December 01, 2017 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 99,5%) 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 December 01, 2017 banks have issued 19,2 mln. payment cards and a number of card holders reached 16,8 mln. (in comparison with the situation on the same date of 2016, there is a growth of 23,3% and 18,2% respectively). The most widespread ones are the debit cards with the share of 79,9%, the share of credit cards - 16,5%. The share of debit cards with credit limit and share of prepaid cards is 2,7% and 0,9% respectively.
In November 2017 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 336,4 bln. tenge (growth against November 2016 has totaled 45,2%). The number of transactions reached 46,5 mln. and increased by 57,2% versus November 2016. At that, the number of payments and amount of the cashless payments went up to 120,01% (number of transactions 26,0 mln. transactions) and 120,96% (the volume of transactions – 346,0 bln. tenge), operations with cash withdrawals 15,56% (number of transactions - 20,5 млн. transactions) and 29,68% (the volume of transactions – 990,4 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (54,10% and 45,83% out of the total number of payments and volume of cashless payments) and Internet (42,13% and 46,95% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,94% and 84,37% 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 01.12.16 |
As of 01.12.17 |
|
Total number of cards in circulation (thousand), of which: |
15 602,2 |
19 236,1 |
|
local systems |
256,3 |
86,6 |
|
international systems, of which: |
15 345,9 |
19 149,4 |
|
Visa International, of which: |
11 163,2 |
12 661,4 |
|
debit |
8 518,5 |
9 026,6 |
|
credit |
2 108,9 |
2 974,8 |
|
Debit cards with credit limit and prepaid |
535,8 |
660,0 |
|
MasterCard Worldwide, of which: |
2 987,2 |
5 107,1 |
|
debit |
2 704,0 |
4 923,0 |
|
credit |
216,2 |
149,0 |
|
Debit cards with credit limit and prepaid |
67,0 |
35,1 |
|
Number of card holders (thousand), of which: |
14 177,9 |
16 764,2 |
|
local systems |
216,3 |
71,2 |
|
international systems, of which: |
13 961,5 |
16 693,0 |
|
Visa International, of which: |
10 286,0 |
11 153,3 |
|
MasterCard Worldwide, of which: |
2 758,2 |
4 423,0 |
|
Number of used cards (thousand), of which: |
8 159,8 |
9 547,7 |
|
local systems |
156,6 |
33,0 |
|
international systems, of which: |
8 003,2 |
9 514,7 |
|
Visa International, of which: |
5 748,1 |
6 105,4 |
|
debit |
4 469,3 |
4 625,4 |
|
credit |
939,0 |
1 154,3 |
|
Debit cards with credit limit and prepaid |
339,9 |
325,6 |
|
MasterCard Worldwide, of which: |
1 537,7 |
2 583,0 |
|
debit |
1 386,7 |
2 481,2 |
|
credit |
122,9 |
87,1 |
|
Debit cards with credit limit and prepaid |
28,0 |
14,7 |
|
Number of POS - terminals (units), of which: |
105 573 |
125 123 |
|
commercial enterprises |
97 568 |
115 123 |
|
banks |
8 005 |
10 000 |
|
Number of ATM (units) , of which: |
9 094 |
9 687 |
|
with cash distribution function |
7 767 |
8 083 |
|
with cash reception and distribution functions |
1 327 |
1 604 |
|
Number of commercial enterprises (units) |
41 860 |
77 259 |
|
Number of bank’s booths (units) |
1 173 |
882 |
|
Number of payment terminals (units)[1] |
14 123 |
15 410 |
|
Table 2 |
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|
Specifications |
As of 01.12.17 |
||||||
|
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. |
15 368,9 |
3 171,7 |
695,5 |
16 764,2 |
7 940,4 |
1 266,6 |
340,7 |
|
Akmola region |
435,7 |
9,0 |
22,9 |
428,8 |
243,9 |
4,1 |
13,0 |
|
Aktobe region |
697,4 |
14,7 |
32,5 |
678,5 |
360,7 |
6,5 |
18,4 |
|
Almaty region |
709,1 |
10,6 |
37,0 |
702,3 |
394,0 |
5,2 |
20,9 |
|
Atyrau region |
652,8 |
17,0 |
28,6 |
625,7 |
339,7 |
8,5 |
14,7 |
|
East Kazakhstan reg. |
1033,4 |
18,8 |
59,5 |
1017,4 |
586,2 |
8,8 |
26,5 |
|
Jambul region |
613,3 |
6,3 |
10,7 |
585,7 |
362,2 |
3,1 |
4,5 |
|
West Kazakhstan reg. |
568,5 |
11,9 |
13,8 |
537,5 |
287,6 |
5,4 |
4,3 |
|
Karaganda region |
1119,8 |
28,1 |
51,4 |
1077,7 |
645,3 |
12,7 |
21,1 |
|
Kostanai region |
600,2 |
9,5 |
23,8 |
571,5 |
339,6 |
4,5 |
12,5 |
|
Kyzylorda region |
483,0 |
6,9 |
31,3 |
469,9 |
264,2 |
3,3 |
21,3 |
|
Mangistau region |
565,2 |
15,1 |
26,8 |
541,9 |
298,2 |
7,3 |
13,7 |
|
Pavlodar region |
645,1 |
12,5 |
29,6 |
622,7 |
348,8 |
6,3 |
12,1 |
|
North Kazakhstan reg. |
353,3 |
6,5 |
14,9 |
346,4 |
205,7 |
2,8 |
10,0 |
|
South Kazakhstan reg. |
1376,9 |
18,3 |
84,0 |
1355,5 |
763,4 |
7,7 |
37,7 |
|
Almaty city |
4259,0 |
2951,8 |
171,3 |
5998,3 |
1910,4 |
1160,6 |
90,1 |
|
Astana city |
1256,2 |
34,5 |
57,5 |
1204,2 |
590,5 |
19,9 |
19,9 |
|
Table 3 |
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|
Specifications |
As of 01.12.17 |
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|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
125 123 |
9 687 |
77 259 |
882 |
15 410 |
|
Akmola region |
2 692 |
333 |
1 508 |
32 |
491 |
|
Aktobe region |
4 889 |
500 |
2 610 |
122 |
828 |
|
Almaty region |
3 038 |
389 |
1 534 |
29 |
503 |
|
Atyrau region |
4 166 |
535 |
2 174 |
37 |
729 |
|
East Kazakhstan reg. |
7 379 |
777 |
3 854 |
70 |
1 504 |
|
Jambul region |
2 188 |
356 |
1 095 |
49 |
687 |
|
West Kazakhstan reg. |
4 100 |
366 |
2 224 |
52 |
659 |
|
Karaganda region |
10 177 |
765 |
6 206 |
103 |
1 784 |
|
Kostanai region |
9 623 |
380 |
6 740 |
25 |
872 |
|
Kyzylorda region |
1 748 |
306 |
846 |
26 |
454 |
|
Mangistau region |
3 550 |
538 |
1 943 |
42 |
479 |
|
Pavlodar region |
7 301 |
551 |
4 509 |
51 |
866 |
|
North Kazakhstan reg. |
3 119 |
286 |
1 610 |
25 |
634 |
|
South Kazakhstan reg. |
5 000 |
671 |
2 441 |
46 |
1 206 |
|
Almaty city |
34 149 |
1 892 |
23 222 |
76 |
2 362 |
|
Astana city |
22 004 |
1 042 |
14 743 |
97 |
1 352 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
November |
|
|
Cashless payments |
Cash withdrawals |
|
|
2016 |
||
|
Number of transactions (thousand) of which; |
11 793,6 |
17 767,0 |
|
local systems |
11,7 |
161,4 |
|
international systems, of which: |
11 781,9 |
17 605,6 |
|
Visa International |
9 579,3 |
12 729,5 |
|
MasterCard Worldwide |
2 071,5 |
3 785,9 |
|
Volume (mln.tenge), of which; |
156 575,3 |
763 747,6 |
|
local systems |
3 601,4 |
9 474,7 |
|
international systems, of which: |
152 973,9 |
754 273,0 |
|
Visa International |
122 935,1 |
569 517,5 |
|
MasterCard Worldwide |
28 238,3 |
149 643,2 |
|
2017 |
||
|
Number of transactions (thousand) of which; |
25 947,5 |
20 532,3 |
|
local systems |
0,1 |
22,0 |
|
international systems, of which: |
25 947,3 |
20 510,3 |
|
Visa International |
16 283,8 |
12 729,2 |
|
MasterCard Worldwide |
9 385,6 |
6 513,6 |
|
Volume (mln.tenge), of which; |
345 969,7 |
990 401,8 |
|
local systems |
3,4 |
950,8 |
|
international systems, of which: |
345 966,3 |
989 451,0 |
|
Visa International |
230 444,0 |
665 782,0 |
|
MasterCard Worldwide |
111 287,1 |
277 883,4 |
|
Dynamics (%) |
||
|
Number |
120,01% |
15,56% |
|
local systems |
-98,80% |
-86,35% |
|
international systems, of which: |
120,23% |
16,50% |
|
Visa International |
69,99% |
0,00% |
|
MasterCard Worldwide |
353,08% |
72,05% |
|
Volume |
120,96% |
29,68% |
|
local systems |
-99,90% |
10,04% |
|
international systems, of which: |
126,16% |
131,18% |
|
Visa International |
87,45% |
116,90% |
|
MasterCard Worldwide |
294,10% |
185,70% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
23 396,2 |
300 833,4 |
20 622,9 |
986 144,9 |
|
Akmola region |
200,4 |
5 123,8 |
596,9 |
25 448,0 |
|
Aktobe region |
449,0 |
6 614,4 |
1 008,1 |
42 880,3 |
|
Almaty region |
204,9 |
6 240,1 |
925,9 |
44 478,2 |
|
Atyrau region |
411,7 |
7 417,6 |
974,5 |
48 927,2 |
|
East Kazakhstan reg. |
390,5 |
5 816,9 |
1 503,9 |
65 014,4 |
|
Jambul region |
134,0 |
2 697,3 |
825,9 |
36 368,8 |
|
West Kazakhstan reg. |
296,3 |
5 976,3 |
746,7 |
31 990,9 |
|
Karaganda region |
839,5 |
11 750,5 |
1 657,8 |
75 383,3 |
|
Kostanai region |
763,1 |
6 375,0 |
853,9 |
38 668,1 |
|
Kyzylorda region |
133,9 |
2 005,0 |
629,1 |
29 730,8 |
|
Mangistau region |
371,0 |
5 887,1 |
857,5 |
51 142,8 |
|
Pavlodar region |
401,9 |
4 745,0 |
922,7 |
40 463,4 |
|
North Kazakhstan reg. |
187,3 |
2 672,4 |
514,1 |
20 548,2 |
|
South Kazakhstan reg. |
285,7 |
11 096,2 |
1 755,7 |
84 813,8 |
|
Almaty city |
15 744,5 |
187 517,4 |
4 546,2 |
234 099,8 |
|
Astana city |
2 582,6 |
28 898,5 |
2 304,1 |
116 186,9 |
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 |
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|
Specifications |
November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
23 396,2 |
300 833,4 |
20 622,9 |
986 144,9 |
|
POS - terminal |
12 656,6 |
137 881,1 |
1 042,6 |
154 118,3 |
|
ATM |
817,9 |
18 563,6 |
19 580,3 |
832 026,6 |
|
bank kiosk |
16,1 |
316,7 |
- |
- |
|
Internet |
9 857,1 |
141 231,5 |
- |
- |
|
other |
48,5 |
2 840,6 |
- |
- |
