Version ¹155 on 21/07/2017
As of July 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 July 01, 2017 banks have issued 16,7 mln. payment cards and a number of card holders reached 15,1 mln. (in comparison with the situation on the same date of 2016, there is a growth of 10,4% and 9,1% respectively). The most widespread ones are the debit cards with the share of 82,4%, the share of credit cards - 13,7%. The share of debit cards with credit limit and share of prepaid cards is 3,0% and 0,8% respectively.
In June 2017 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 157,5 bln. tenge (growth against June 2016 has totaled 22,5%). The number of transactions reached 37,2 mln. and increased by 29,4% versus June 2016. At that, the number of payments and amount of the cashless payments went up to 77,9% (number of transactions 17,1 mln. transactions) and 70,6% (the volume of transactions – 230,6 bln. tenge), operations with cash withdrawals 5,1% (number of transactions – 20,1 mln. transactions) and 14,5%( the volume of transactions – 926,9 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (53,9% and 53,3% out of the total number of payments and volume of cashless payments) and Internet (37,9% and 36,0% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (89,9% and 80,7% 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 01.07.16 |
As of 01.07.17 |
|
Total number of cards in circulation (thousand), of which: |
15 159,4 |
16 730,0 |
|
local systems |
587,3 |
87,0 |
|
international systems, of which: |
14 572,1 |
16 643,0 |
|
Visa International, of which: |
11 312,1 |
11 434,6 |
|
debit |
8 387,7 |
8 708,3 |
|
credit |
2 215,9 |
2 130,8 |
|
Debit cards with credit limit and prepaid |
708,5 |
595,6 |
|
MasterCard Worldwide, of which: |
2 454,3 |
3 894,2 |
|
debit |
2 239,2 |
3 729,5 |
|
credit |
134,8 |
120,7 |
|
Debit cards with credit limit and prepaid |
80,3 |
43,9 |
|
Number of card holders (thousand), of which: |
13 870,9 |
15 133,3 |
|
local systems |
500,1 |
71,6 |
|
international systems, of which: |
13 370,9 |
15 061,7 |
|
Visa International, of which: |
10 476,5 |
10 453,9 |
|
MasterCard Worldwide, of which: |
2 314,3 |
3 535,3 |
|
Number of used cards (thousand), of which: |
8 086,9 |
8 664,9 |
|
local systems |
360,7 |
34,9 |
|
international systems, of which: |
7 726,2 |
8 630,0 |
|
Visa International, of which: |
5 956,4 |
5 676,7 |
|
debit |
4 624,3 |
4 517,7 |
|
credit |
926,3 |
818,9 |
|
Debit cards with credit limit and prepaid |
405,8 |
340,1 |
|
MasterCard Worldwide, of which: |
1 329,7 |
2 128,1 |
|
debit |
1 203,5 |
2 043,2 |
|
credit |
84,9 |
66,3 |
|
Debit cards with credit limit and prepaid |
41,3 |
18,6 |
|
Number of POS - terminals (units), of which: |
94 015 |
120 849 |
|
commercial enterprises |
86 378 |
110 964 |
|
banks |
7 637 |
9 885 |
|
Number of ATM (units) , of which: |
9 390 |
9 717 |
|
with cash distribution function |
7 926 |
8 126 |
|
with cash reception and distribution functions |
1 464 |
1 591 |
|
Number of commercial enterprises (units) |
56 958 |
73 216 |
|
Number of bank’s booths (units) |
1 035 |
968 |
|
Number of payment terminals (units)[1] |
14 654 |
15 083 |
|
Table 2 |
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|
Specifications |
As of 01.07.17 |
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|
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. |
13 792,1 |
2 298,1 |
639,8 |
15 133,3 |
7 397,3 |
908,7 |
358,9 |
|
Akmola region |
408,5 |
7,0 |
22,3 |
404,7 |
233,7 |
3,2 |
13,2 |
|
Aktobe region |
664,3 |
12,8 |
29,4 |
649,6 |
348,6 |
5,5 |
18,4 |
|
Almaty region |
667,4 |
7,7 |
37,5 |
663,8 |
375,2 |
3,2 |
21,6 |
|
Atyrau region |
610,4 |
14,5 |
28,1 |
588,4 |
316,3 |
6,8 |
16,2 |
|
East Kazakhstan reg. |
989,0 |
16,1 |
57,9 |
981,5 |
570,1 |
7,2 |
30,7 |
|
Jambul region |
569,0 |
5,2 |
10,4 |
547,3 |
346,5 |
2,4 |
4,5 |
|
West Kazakhstan reg. |
527,1 |
10,4 |
13,6 |
500,7 |
270,6 |
4,6 |
4,8 |
|
Karaganda region |
1 073,8 |
24,4 |
49,7 |
1 038,4 |
625,1 |
10,6 |
24,4 |
|
Kostanai region |
572,1 |
8,1 |
22,5 |
544,4 |
330,5 |
3,6 |
12,0 |
|
Kyzylorda region |
451,5 |
6,0 |
28,6 |
438,5 |
253,7 |
2,5 |
20,1 |
|
Mangistau region |
533,0 |
12,9 |
27,5 |
518,1 |
284,0 |
5,7 |
15,3 |
|
Pavlodar region |
616,6 |
11,1 |
28,2 |
600,3 |
341,5 |
5,5 |
14,3 |
|
North Kazakhstan reg. |
339,7 |
5,5 |
14,5 |
332,0 |
196,6 |
2,5 |
9,9 |
|
South Kazakhstan reg. |
1 299,8 |
14,0 |
76,2 |
1 276,9 |
726,8 |
5,3 |
42,4 |
|
Almaty city |
3 330,1 |
2 113,6 |
140,1 |
4 943,4 |
1 627,6 |
824,0 |
85,3 |
|
Astana city |
1 139,8 |
28,8 |
53,4 |
1 105,3 |
550,4 |
16,0 |
25,8 |
|
Table 3 |
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|
Specifications |
As of 01.07.17 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
120 849 |
9 717 |
73 216 |
968 |
15 083 |
|
Akmola region |
2 599 |
332 |
1 415 |
40 |
479 |
|
Aktobe region |
4 506 |
507 |
2 288 |
96 |
815 |
|
Almaty region |
3 020 |
390 |
1 487 |
30 |
479 |
|
Atyrau region |
3 980 |
543 |
2 049 |
50 |
704 |
|
East Kazakhstan reg. |
7 214 |
774 |
3 672 |
94 |
1 474 |
|
Jambul region |
2 112 |
357 |
1 048 |
55 |
656 |
|
West Kazakhstan reg. |
3 939 |
373 |
2 176 |
52 |
656 |
|
Karaganda region |
10 072 |
764 |
6 109 |
101 |
1 746 |
|
Kostanai region |
9 333 |
386 |
6 582 |
32 |
863 |
|
Kyzylorda region |
1 794 |
313 |
868 |
32 |
445 |
|
Mangistau region |
3 370 |
525 |
1 836 |
45 |
454 |
|
Pavlodar region |
7 109 |
561 |
4 435 |
54 |
867 |
|
North Kazakhstan reg. |
3 091 |
293 |
1 655 |
27 |
629 |
|
South Kazakhstan reg. |
4 912 |
675 |
2 290 |
53 |
1 161 |
|
Almaty city |
32 430 |
1 892 |
21 413 |
95 |
2 352 |
|
Astana city |
21 368 |
1 032 |
13 893 |
112 |
1 303 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2016 |
||
|
Number of transactions (thousand) of which; |
9 609,6 |
19 118,6 |
|
local systems |
35,9 |
565,7 |
|
international systems, of which: |
9 573,7 |
18 552,9 |
|
Visa International |
8 088,4 |
14 208,1 |
|
MasterCard Worldwide |
1 385,5 |
3 558,8 |
|
Volume (mln.tenge), of which; |
135 175,4 |
809 775,6 |
|
local systems |
4 552,1 |
20 291,7 |
|
international systems, of which: |
130 623,2 |
789 483,8 |
|
Visa International |
110 133,8 |
626 688,8 |
|
MasterCard Worldwide |
18 916,1 |
138 452,8 |
|
2017 |
||
|
Number of transactions (thousand) of which; |
17 096,5 |
20 087,2 |
|
local systems |
2,5 |
22,1 |
|
international systems, of which: |
17 093,9 |
20 065,1 |
|
Visa International |
12 454,9 |
13 474,9 |
|
MasterCard Worldwide |
4 422,2 |
5 277,5 |
|
Volume (mln.tenge), of which; |
230 566,7 |
926 918,7 |
|
local systems |
2 646,3 |
872,4 |
|
international systems, of which: |
227 920,5 |
926 046,3 |
|
Visa International |
166 218,1 |
650 164,3 |
|
MasterCard Worldwide |
59 509,7 |
230 216,9 |
|
Dynamics (%) |
||
|
Number |
77,91% |
5,07% |
|
local systems |
-92,91% |
-96,09% |
|
international systems, of which: |
78,55% |
8,15% |
|
Visa International |
53,98% |
-5,16% |
|
MasterCard Worldwide |
219,17% |
48,29% |
|
Volume |
70,57% |
14,47% |
|
local systems |
-41,87% |
-95,70% |
|
international systems, of which: |
74,49% |
17,30% |
|
Visa International |
50,92% |
3,75% |
|
MasterCard Worldwide |
214,60% |
66,28% |
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 |
June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
14 791,1 |
194 140,5 |
20 014,5 |
921 414,8 |
|
Akmola region |
153,7 |
4 164,4 |
595,2 |
23 609,6 |
|
Aktobe region |
357,0 |
5 151,7 |
1 010,2 |
39 871,6 |
|
Almaty region |
170,3 |
5 068,4 |
919,1 |
40 858,8 |
|
Atyrau region |
326,2 |
6 304,0 |
935,8 |
43 472,7 |
|
East Kazakhstan reg. |
333,8 |
5 281,6 |
1 500,4 |
60 753,8 |
|
Jambul region |
117,8 |
2 056,4 |
820,1 |
34 755,8 |
|
West Kazakhstan reg. |
228,9 |
4 959,0 |
719,9 |
29 831,4 |
|
Karaganda region |
489,4 |
6 761,1 |
1 616,6 |
68 218,6 |
|
Kostanai region |
647,0 |
5 286,7 |
850,4 |
36 826,6 |
|
Kyzylorda region |
121,3 |
1 895,1 |
644,4 |
30 327,4 |
|
Mangistau region |
305,7 |
4 705,4 |
834,9 |
47 678,2 |
|
Pavlodar region |
311,4 |
5 159,1 |
927,4 |
37 376,1 |
|
North Kazakhstan reg. |
154,7 |
2 111,1 |
520,7 |
19 213,3 |
|
South Kazakhstan reg. |
251,6 |
11 084,3 |
1 755,2 |
87 438,9 |
|
Almaty city |
8 815,6 |
97 025,2 |
4 189,4 |
217 072,0 |
|
Astana city |
2 006,6 |
27 126,9 |
2 174,6 |
104 110,0 |
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 |
June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
14 791,1 |
194 140,5 |
20 014,5 |
921 414,8 |
|
POS - terminal |
7 967,0 |
103 384,3 |
2 024,1 |
177 651,5 |
|
ATM |
1 164,7 |
18 692,1 |
17 990,4 |
743 763,2 |
|
bank kiosk |
17,3 |
447,9 |
- |
- |
|
Internet |
5 603,9 |
69 840,9 |
- |
- |
|
other |
38,2 |
1 775,3 |
- |
- |
