Version ¹157 on 25/09/2017
As of September 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 September 01, 2017 banks have issued 17,2 mln. payment cards and a number of card holders reached 15,6 mln. (in comparison with the situation on the same date of 2016, there is a growth of 12,6% and 11,9% respectively). The most widespread ones are the debit cards with the share of 82,8%, the share of credit cards - 13,6%. The share of debit cards with credit limit and share of prepaid cards is 2,8% and 0,8% respectively.
In August 2017 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 221,6 bln. tenge (growth against July 2016 has totaled 40,2%). The number of transactions reached 40,0 mln. and increased by 41,9% versus July 2016. At that, the number of payments and amount of the cashless payments went up to 94,1% (number of transactions 20,0 mln. transactions) and 86,4% (the volume of transactions – 268,7 bln. tenge), operations with cash withdrawals 11,9% (number of transactions -20,1 mln. transactions) and 23,6% (the volume of transactions – 952,9 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (58,6% and 54,2% out of the total number of payments and volume of cashless payments) and Internet (36,2% and 36,3% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (95,0% and 83,8% 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 01.09.16 |
As of 01.09.17 |
|
Total number of cards in circulation (thousand), of which: |
15 250,1 |
17 165,8 |
|
local systems |
488,5 |
87,0 |
|
international systems, of which: |
14 761,6 |
17 384,5 |
|
Visa International, of which: |
11 184,1 |
11 593,9 |
|
debit |
8 387,6 |
8 816,5 |
|
credit |
2 183,5 |
2 188,0 |
|
Debit cards with credit limit and prepaid |
613,1 |
589,4 |
|
MasterCard Worldwide, of which: |
2 621,9 |
4 450,0 |
|
debit |
2 396,2 |
4 275,5 |
|
credit |
152,5 |
137,3 |
|
Debit cards with credit limit and prepaid |
73,3 |
37,1 |
|
Number of card holders (thousand), of which: |
13 920,5 |
15 571,7 |
|
local systems |
413,9 |
71,5 |
|
international systems, of which: |
13 506,5 |
15 500,3 |
|
Visa International, of which: |
10 359,9 |
10 576,7 |
|
MasterCard Worldwide, of which: |
2 459,0 |
3 832,3 |
|
Number of used cards (thousand), of which: |
7 840,1 |
8 687,4 |
|
local systems |
296,0 |
34,3 |
|
international systems, of which: |
7 544,1 |
8 653,1 |
|
Visa International, of which: |
5 666,2 |
5 682,3 |
|
debit |
4 373,8 |
4 482,0 |
|
credit |
931,7 |
864,7 |
|
Debit cards with credit limit and prepaid |
360,7 |
335,6 |
|
MasterCard Worldwide, of which: |
1 356,1 |
2 152,7 |
|
debit |
1 226,1 |
2 060,6 |
|
credit |
94,5 |
75,7 |
|
Debit cards with credit limit and prepaid |
35,5 |
16,3 |
|
Number of POS - terminals (units), of which: |
99 415 |
120 576 |
|
commercial enterprises |
91 627 |
110 658 |
|
banks |
7 788 |
9 918 |
|
Number of ATM (units) , of which: |
9 419 |
9 726 |
|
with cash distribution function |
7 923 |
8 137 |
|
with cash reception and distribution functions |
1 496 |
1 589 |
|
Number of commercial enterprises (units) |
60 229 |
73 320 |
|
Number of bank’s booths (units) |
1 292 |
883 |
|
Number of payment terminals (units)[1] |
14 432 |
15 320 |
|
Table 2 |
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|
Specifications |
As of 01.09.17 |
||||||
|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others |
||
|
Total, incl. |
14 470,8 |
2 373,7 |
626,9 |
15 571,7 |
7 370,2 |
964,9 |
352,2 |
|
Akmola region |
419,2 |
7,8 |
20,9 |
411,2 |
232,0 |
3,5 |
12,8 |
|
Aktobe region |
672,6 |
14,2 |
28,4 |
655,3 |
344,1 |
6,3 |
18,2 |
|
Almaty region |
681,8 |
9,1 |
35,2 |
674,2 |
373,9 |
4,2 |
21,0 |
|
Atyrau region |
625,1 |
16,0 |
26,9 |
600,8 |
319,3 |
7,6 |
15,7 |
|
East Kazakhstan reg. |
1004,1 |
17,5 |
55,9 |
988,2 |
563,1 |
7,9 |
29,7 |
|
Jambul region |
591,5 |
5,8 |
9,3 |
565,2 |
346,1 |
2,8 |
4,4 |
|
West Kazakhstan reg. |
544,2 |
11,2 |
12,4 |
514,6 |
271,1 |
5,1 |
4,3 |
|
Karaganda region |
1 091,0 |
26,3 |
48,5 |
1 049,2 |
623,5 |
11,9 |
23,1 |
|
Kostanai region |
577,9 |
8,8 |
21,7 |
549,6 |
324,5 |
4,1 |
11,6 |
|
Kyzylorda region |
460,5 |
6,5 |
29,1 |
445,9 |
249,9 |
2,9 |
21,2 |
|
Mangistau region |
544,8 |
14,5 |
25,6 |
525,5 |
288,5 |
6,6 |
14,7 |
|
Pavlodar region |
625,9 |
12,0 |
27,1 |
603,6 |
338,9 |
6,1 |
14,0 |
|
North Kazakhstan reg. |
346,0 |
6,0 |
13,8 |
336,1 |
195,2 |
2,7 |
9,7 |
|
South Kazakhstan reg. |
1 324,5 |
16,3 |
74,0 |
1 296,7 |
720,2 |
6,6 |
38,1 |
|
Almaty city |
3 778,2 |
2 170,2 |
145,7 |
5 216,4 |
1 621,1 |
868,5 |
88,7 |
|
Astana city |
1 183,7 |
31,6 |
52,4 |
1 139,4 |
558,9 |
17,8 |
24,8 |
|
Table 3 |
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|
Specifications |
As of 01.09.17 |
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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. |
120 576 |
9 726 |
72 893 |
883 |
15 320 |
|
Akmola region |
2 575 |
329 |
1 430 |
33 |
491 |
|
Aktobe region |
4 599 |
506 |
2 274 |
96 |
826 |
|
Almaty region |
3 017 |
396 |
1 485 |
27 |
491 |
|
Atyrau region |
4 048 |
541 |
2 041 |
38 |
718 |
|
East Kazakhstan reg. |
7 136 |
777 |
3 673 |
73 |
1 496 |
|
Jambul region |
2 162 |
353 |
1 047 |
49 |
677 |
|
West Kazakhstan reg. |
3 921 |
368 |
2 194 |
49 |
662 |
|
Karaganda region |
10 005 |
767 |
6 117 |
100 |
1 774 |
|
Kostanai region |
9 328 |
383 |
6 520 |
25 |
874 |
|
Kyzylorda region |
1 736 |
308 |
814 |
26 |
453 |
|
Mangistau region |
3 241 |
530 |
1 786 |
44 |
464 |
|
Pavlodar region |
6 950 |
557 |
4 307 |
53 |
868 |
|
North Kazakhstan reg. |
3 037 |
292 |
1 657 |
25 |
633 |
|
South Kazakhstan reg. |
4 867 |
678 |
2 290 |
49 |
1 181 |
|
Almaty city |
32 448 |
1 905 |
21 357 |
84 |
2 378 |
|
Astana city |
21 506 |
1 036 |
13 901 |
112 |
1 334 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2016 |
||
|
Number of transactions (thousand) of which; |
10 282,8 |
17 921,8 |
|
local systems |
21,9 |
380,4 |
|
international systems, of which: |
10 260,8 |
17 541,4 |
|
Visa International |
8 524,5 |
13 212,8 |
|
MasterCard Worldwide |
1 627,5 |
3 485,6 |
|
Volume (mln.tenge), of which; |
144 161,5 |
770 824,2 |
|
local systems |
5 011,3 |
13 603,1 |
|
international systems, of which: |
139 150,2 |
757 221,1 |
|
Visa International |
114 230,4 |
591 069,1 |
|
MasterCard Worldwide |
23 153,7 |
138 883,1 |
|
2017 |
||
|
Number of transactions (thousand) of which; |
19 956,01 |
20 057,90 |
|
local systems |
3,5 |
23,6 |
|
international systems, of which: |
19 952,5 |
20 034,3 |
|
Visa International |
13 614,0 |
13 038,2 |
|
MasterCard Worldwide |
6 118,5 |
5 711,6 |
|
Volume (mln.tenge), of which; |
268 698,31 |
952 897,54 |
|
local systems |
4 752,7 |
987,9 |
|
international systems, of which: |
263 945,6 |
951 909,7 |
|
Visa International |
182 663,5 |
652 125,7 |
|
MasterCard Worldwide |
78 860,26 |
253 288,3 |
|
Dynamics (%) |
||
|
Number |
94,07% |
11,92% |
|
local systems |
-84,01% |
-93,80% |
|
international systems, of which: |
94,45% |
14,21% |
|
Visa International |
59,70% |
-1,32% |
|
MasterCard Worldwide |
275,95% |
63,86% |
|
Volume |
86,39% |
23,62% |
|
local systems |
-5,16% |
-92,74% |
|
international systems, of which: |
89,68% |
25,71% |
|
Visa International |
59,91% |
10,33% |
|
MasterCard Worldwide |
240,59% |
82,38% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
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|
Specifications |
August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
17 726,22 |
223 843,05 |
20 243,93 |
955 837,18 |
|
Akmola region |
179,0 |
5 214,8 |
599,5 |
24 027,3 |
|
Aktobe region |
392,2 |
6 955,6 |
994,3 |
40 462,4 |
|
Almaty region |
188,6 |
5 579,3 |
938,7 |
40 996,3 |
|
Atyrau region |
359,8 |
7 036,4 |
965,8 |
45 822,2 |
|
East Kazakhstan reg. |
354,0 |
5 175,6 |
1 474,9 |
60 962,4 |
|
Jambul region |
131,8 |
2 431,7 |
832,0 |
34 387,4 |
|
West Kazakhstan reg. |
258,2 |
4 921,1 |
726,9 |
30 790,6 |
|
Karaganda region |
542,5 |
8 254,4 |
1 611,6 |
70 148,8 |
|
Kostanai region |
675,0 |
5 698,8 |
834,3 |
36 626,3 |
|
Kyzylorda region |
124,2 |
1 935,5 |
631,3 |
27 251,1 |
|
Mangistau region |
347,5 |
5 545,8 |
906,6 |
51 905,6 |
|
Pavlodar region |
347,6 |
4 793,6 |
931,6 |
38 431,7 |
|
North Kazakhstan reg. |
169,4 |
2 342,2 |
505,1 |
19 207,1 |
|
South Kazakhstan reg. |
268,4 |
8 586,5 |
1 734,2 |
83 367,1 |
|
Almaty city |
11 055,98 |
120 041,62 |
4 308,89 |
239 001,87 |
|
Astana city |
2 331,93 |
29 330,17 |
2 248,21 |
112 449,03 |
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 |
August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
17 726,22 |
223 843,05 |
20 243,93 |
955 837,18 |
|
POS - terminal |
10 383 |
121 245 |
1 022 |
154 524 |
|
ATM |
871 |
18 576 |
19 222 |
801 313 |
|
bank kiosk |
15 |
353 |
- |
- |
|
Internet |
6 413 |
81 275 |
- |
- |
|
other |
43 |
2 394 |
- |
- |
