Version ¹159 on 24/11/2017
As of November 01, 2017 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 99,5%) 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 November 01, 2017 banks have issued 18,2 mln. payment cards and a number of card holders reached 16,3 mln. (in comparison with the situation on the same date of 2016, there is a growth of 17,7% and 15,6% respectively). The most widespread ones are the debit cards with the share of 82,6%, the share of credit cards - 13,7%. The share of debit cards with credit limit and share of prepaid cards is 2,9% and 0,9% respectively.
In October 2017 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 279,0 bln. tenge (growth against October 2016 has totaled 41,4%). The number of transactions reached 45,0 mln. and increased by 55,3% versus October 2016. At that, the number of payments and amount of the cashless payments went up to 121,49% (number of transactions 24,4 mln. transactions) and 124,16% (the volume of transactions – 333,3 bln. tenge), operations with cash withdrawals 14,65% (number of transactions - 20,6 млн. transactions) and 25,08% (the volume of transactions – 945,8 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (53,65% and 46,39% out of the total number of payments and volume of cashless payments) and Internet (42,04% and 45,87% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (95,09% and 84,93% 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 01.11.16 |
As of 01.11.17 |
|
Total number of cards in circulation (thousand), of which: |
15 491,1 |
18 239,6 |
|
local systems |
344,0 |
86,7 |
|
international systems, of which: |
15 147,0 |
18 152,9 |
|
Visa International, of which: |
11 153,8 |
11 954,5 |
|
debit |
8 465,4 |
9 003,4 |
|
credit |
2 164,7 |
2 299,2 |
|
Debit cards with credit limit and prepaid |
523,7 |
651,9 |
|
MasterCard Worldwide, of which: |
2 858,1 |
4 829,8 |
|
debit |
2 599,6 |
4 648,6 |
|
credit |
190,5 |
145,5 |
|
Debit cards with credit limit and prepaid |
67,9 |
35,7 |
|
Number of card holders (thousand), of which: |
14 100,5 |
16 295,8 |
|
local systems |
291,0 |
71,3 |
|
international systems, of which: |
13 809,5 |
16 224,5 |
|
Visa International, of which: |
10 308,9 |
10 891,4 |
|
MasterCard Worldwide, of which: |
2 656,1 |
4 224,2 |
|
Number of used cards (thousand), of which: |
8 080,0 |
9 226,6 |
|
local systems |
213,9 |
33,4 |
|
international systems, of which: |
7 866,1 |
9 193,2 |
|
Visa International, of which: |
5 731,5 |
5 931,8 |
|
debit |
4 450,9 |
4 588,6 |
|
credit |
950,0 |
988,9 |
|
Debit cards with credit limit and prepaid |
330,6 |
354,2 |
|
MasterCard Worldwide, of which: |
1 484,9 |
2 440,0 |
|
debit |
1 340,0 |
2 340,3 |
|
credit |
115,3 |
84,5 |
|
Debit cards with credit limit and prepaid |
29,6 |
15,2 |
|
Number of POS - terminals (units), of which: |
103 907 |
123 566 |
|
commercial enterprises |
96 002 |
113 604 |
|
banks |
7 905 |
9 962 |
|
Number of ATM (units) , of which: |
9 483 |
9 706 |
|
with cash distribution function |
7 970 |
8 099 |
|
with cash reception and distribution functions |
1 513 |
1 607 |
|
Number of commercial enterprises (units) |
63 348 |
75 916 |
|
Number of bank’s booths (units) |
1 443 |
890 |
|
Number of payment terminals (units)[1] |
14 433 |
15 419 |
|
Table 2 |
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|
Specifications |
As of 01.11.17 |
||||||
|
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. |
15 058,9 |
2 492,8 |
687,9 |
16 295,8 |
7 758,3 |
1 098,5 |
369,7 |
|
Akmola region |
432,6 |
8,7 |
22,8 |
426,6 |
242,9 |
3,9 |
13,1 |
|
Aktobe region |
689,9 |
14,4 |
32,1 |
672,8 |
356,7 |
6,4 |
20,3 |
|
Almaty region |
702,2 |
10,2 |
37,0 |
695,9 |
390,9 |
4,9 |
21,2 |
|
Atyrau region |
645,7 |
16,6 |
28,5 |
621,8 |
337,9 |
8,3 |
15,7 |
|
East Kazakhstan reg. |
1 027,1 |
18,1 |
59,8 |
1 012,6 |
583,1 |
8,4 |
29,7 |
|
Jambul region |
606,2 |
6,2 |
10,5 |
579,1 |
356,6 |
3,0 |
4,5 |
|
West Kazakhstan reg. |
562,3 |
11,7 |
13,8 |
532,4 |
284,7 |
5,4 |
4,4 |
|
Karaganda region |
1 108,9 |
27,4 |
51,8 |
1 068,8 |
638,9 |
12,4 |
23,6 |
|
Kostanai region |
595,1 |
9,2 |
22,9 |
567,2 |
336,8 |
4,3 |
11,9 |
|
Kyzylorda region |
471,3 |
6,7 |
30,7 |
457,9 |
260,9 |
3,2 |
20,8 |
|
Mangistau region |
560,1 |
14,9 |
27,1 |
539,3 |
294,4 |
7,1 |
14,6 |
|
Pavlodar region |
642,8 |
12,3 |
30,3 |
621,8 |
350,3 |
6,2 |
14,0 |
|
North Kazakhstan reg. |
351,5 |
6,5 |
15,0 |
344,6 |
204,0 |
2,8 |
10,2 |
|
South Kazakhstan reg. |
1 361,5 |
17,5 |
83,9 |
1 341,6 |
745,5 |
7,2 |
43,5 |
|
Almaty city |
4 066,6 |
2 278,5 |
164,0 |
5 625,7 |
1 794,0 |
995,4 |
98,4 |
|
Astana city |
1 235,2 |
33,7 |
57,8 |
1 187,8 |
580,8 |
19,7 |
23,9 |
|
Table 3 |
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|
Specifications |
As of 01.11.17 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
123 566 |
9 706 |
75 916 |
890 |
15 419 |
|
Akmola region |
2 679 |
332 |
1 490 |
33 |
490 |
|
Aktobe region |
4 796 |
503 |
2 516 |
121 |
827 |
|
Almaty region |
3 019 |
391 |
1 519 |
29 |
498 |
|
Atyrau region |
4 115 |
537 |
2 137 |
38 |
720 |
|
East Kazakhstan reg. |
7 311 |
775 |
3 793 |
73 |
1 499 |
|
Jambul region |
2 192 |
356 |
1 087 |
49 |
676 |
|
West Kazakhstan reg. |
3 996 |
367 |
2 198 |
49 |
669 |
|
Karaganda region |
10 234 |
766 |
6 150 |
100 |
1 785 |
|
Kostanai region |
9 525 |
382 |
6 694 |
25 |
876 |
|
Kyzylorda region |
1 725 |
306 |
842 |
26 |
454 |
|
Mangistau region |
3 491 |
537 |
1 911 |
43 |
480 |
|
Pavlodar region |
7 195 |
559 |
4 462 |
53 |
874 |
|
North Kazakhstan reg. |
3 074 |
289 |
1 614 |
24 |
635 |
|
South Kazakhstan reg. |
4 891 |
670 |
2 377 |
46 |
1 210 |
|
Almaty city |
33 352 |
1 896 |
22 577 |
84 |
2 385 |
|
Astana city |
21 971 |
1 040 |
14 549 |
97 |
1 341 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2016 |
||
|
Number of transactions (thousand) of which; |
11 016,7 |
17 940,1 |
|
local systems |
14,6 |
236,4 |
|
international systems, of which: |
11 002,0 |
17 703,7 |
|
Visa International |
8 983,6 |
12 935,5 |
|
MasterCard Worldwide |
1 893,9 |
3 754,0 |
|
Volume (mln.tenge), of which; |
148 680,6 |
756 110,9 |
|
local systems |
4 566,8 |
8 890,0 |
|
international systems, of which: |
144 113,7 |
747 220,9 |
|
Visa International |
116 092,1 |
569 605,4 |
|
MasterCard Worldwide |
26 338,7 |
145 195,6 |
|
2017 |
||
|
Number of transactions (thousand) of which; |
24 401,2 |
20 568,4 |
|
local systems |
2,8 |
23,0 |
|
international systems, of which: |
24 398,5 |
20 545,5 |
|
Visa International |
15 883,6 |
12 882,2 |
|
MasterCard Worldwide |
8 235,8 |
6 368,1 |
|
Volume (mln.tenge), of which; |
333 277,1 |
945 765,7 |
|
local systems |
3 132,3 |
988,2 |
|
international systems, of which: |
330 144,8 |
944 777,5 |
|
Visa International |
225 766,8 |
628 927,4 |
|
MasterCard Worldwide |
100 503,4 |
269 575,3 |
|
Dynamics (%) |
||
|
Number |
121,49% |
14,65% |
|
local systems |
-81,12% |
-90,28% |
|
international systems, of which: |
121,76% |
16,05% |
|
Visa International |
76,81% |
-0,41% |
|
MasterCard Worldwide |
334,86% |
69,63% |
|
Volume |
124,16% |
25,08% |
|
local systems |
-31,41% |
-88,88% |
|
international systems, of which: |
129,09% |
26,44% |
|
Visa International |
94,47% |
10,41% |
|
MasterCard Worldwide |
281,58% |
85,66% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
21 970,5 |
287 486,9 |
20 550,8 |
938 278,6 |
|
Akmola region |
188,4 |
4 908,0 |
589,8 |
23 985,2 |
|
Aktobe region |
427,9 |
6 303,0 |
1 004,8 |
40 024,0 |
|
Almaty region |
200,2 |
6 081,7 |
942,6 |
42 156,4 |
|
Atyrau region |
398,3 |
7 845,3 |
963,9 |
44 439,5 |
|
East Kazakhstan reg. |
379,5 |
5 705,9 |
1 502,4 |
60 815,5 |
|
Jambul region |
137,6 |
2 954,3 |
823,2 |
34 071,1 |
|
West Kazakhstan reg. |
281,0 |
6 489,5 |
723,0 |
30 628,5 |
|
Karaganda region |
767,7 |
11 102,3 |
1 641,9 |
69 779,9 |
|
Kostanai region |
736,2 |
6 234,9 |
846,8 |
36 577,4 |
|
Kyzylorda region |
134,0 |
1 834,0 |
621,4 |
27 277,3 |
|
Mangistau region |
364,7 |
5 772,8 |
849,1 |
48 160,4 |
|
Pavlodar region |
382,0 |
5 122,1 |
930,3 |
38 506,6 |
|
North Kazakhstan reg. |
176,8 |
2 363,6 |
506,8 |
19 082,3 |
|
South Kazakhstan reg. |
285,3 |
11 431,6 |
1 738,9 |
82 659,7 |
|
Almaty city |
14 680,2 |
174 955,8 |
4 577,3 |
229 516,2 |
|
Astana city |
2 430,7 |
28 382,0 |
2 288,7 |
110 598,5 |
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 |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
21 970,5 |
287 486,9 |
20 550,8 |
938 278,6 |
|
POS - terminal |
11 786,5 |
133 363,7 |
1 010,1 |
141 400,7 |
|
ATM |
887,9 |
19 387,4 |
19 540,8 |
796 878,0 |
|
bank kiosk |
14,2 |
304,8 |
- |
- |
|
Internet |
9 236,1 |
131 862,7 |
- |
- |
|
other |
45,8 |
2 568,3 |
- |
- |
