Version ¹147 on 01/11/2016
As of November 01, 2016 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 97,8%) like Visa International, Master Card, American Express International and UnionPay 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, 2016 banks have issued 15,5 mln. payment cards and a number of card holders reached 14,1 mln. (comparing the situation with the same date of 2015, there is a low of 7,1% and 3,1% respectively). The most widespread ones are the debit cards with the share of 80,8%, the share of credit cards - 15,4%. The share of debit cards with credit limit and share of prepaid cards is 3,0% and 0,8% respectively.
In October 2016 the volume of transactions with payment cards issued by the Kazakhstan originators was 904,8 bln. tenge (growth against October 2015 has totaled 27,4%). The number of transactions reached 29,0 mln. and increased by 24,2% versus October 2015. At that, the number of payments and amount of the cashless payments went up to 47,7% (number of transactions 11,0 mln. transactions) and 58,4% (the volume of transactions - 148,7 bln. tenge), operations with cash withdrawals 13,1% (number of transactions - 17,9 mln. transactions) and 22,7%( the volume of transactions - 756,1 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (56,0% and 59,3% out of the total number of payments and volume of cashless payments) and Internet (34,1% and 26,8% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (94,9% and 85,3% 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 01.11.15 |
As of 01.11.16 |
|
Total number of cards in circulation (thousand), of which: |
16 666,2 |
15 491,1 |
|
local systems |
1 081,8 |
344,0 |
|
international systems, of which: |
15 791,5 |
15 147,0 |
|
Visa International, of which: |
12 693,5 |
11 153,8 |
|
- debit |
9 521,4 |
8 465,4 |
|
- credit |
2 465,7 |
2 164,7 |
|
- debit cards with credit limit and prepaid |
706,5 |
523,7 |
|
MasterCard Worldwide, of which: |
2 437,7 |
2 858,1 |
|
- debit |
2 275,6 |
2 599,6 |
|
- credit |
70,4 |
190,5 |
|
- debit cards with credit limit and prepaid |
91,8 |
67,9 |
|
Number of card holders (thousand), of which: |
14 546,6 |
14 100,5 |
|
local systems |
847,2 |
291,0 |
|
international systems, of which: |
13 789,1 |
13 809,5 |
|
Visa International |
11 111,1 |
10 308,9 |
|
MasterCard Worldwide |
2 275,5 |
2 656,1 |
|
Number of used cards (thousand), of which: |
7 332,5 |
8 080,0 |
|
local systems |
697,1 |
213,9 |
|
international systems, of which: |
6 795,2 |
7 866,1 |
|
Visa International, of which: |
5 194,4 |
5 731,5 |
|
- debit |
4 303,7 |
4 450,9 |
|
- credit |
359,5 |
950,0 |
|
- debit cards with credit limit and prepaid |
531,2 |
330,6 |
|
MasterCard Worldwide, of which: |
1 219,3 |
1 484,9 |
|
- debit |
1 130,1 |
1 340,0 |
|
- credit |
37,7 |
115,3 |
|
- debit cards with credit limit and prepaid |
51,6 |
29,6 |
|
Number of POS - terminals (units), of which: |
72 066 |
103 907 |
|
commercial enterprises |
64 888 |
96 002 |
|
banks |
7 178 |
7 905 |
|
Numbers of imprinters (units), of which: |
3 |
4 |
|
commercial enterprises |
1 |
1 |
|
banks |
2 |
3 |
|
Number of ATM (units) , of which: |
8 945 |
9 483 |
|
with cash distribution function |
7 745 |
7 970 |
|
with cash reception and distribution functions |
1 200 |
1 513 |
|
Number of commercial enterprises (units) |
40 467 |
63 348 |
|
Number of bank’s booths (units) |
1 420 |
1 443 |
|
Number of payment terminals (units)[1] |
13 857 |
14 433 |
|
Table 2 |
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|
Specifications |
As of 01.11.16 |
||||||
|
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. |
12 513,3 |
2 386,0 |
591,7 |
14 100,5 |
6 637,9 |
1 081,9 |
360,2 |
|
Akmola region |
387,8 |
4,3 |
21,4 |
383,9 |
226,1 |
2,1 |
14,8 |
|
Aktobe region |
627,6 |
7,8 |
26,5 |
611,4 |
335,7 |
3,6 |
18,3 |
|
Almaty region |
625,7 |
4,7 |
33,3 |
617,8 |
350,3 |
1,9 |
20,1 |
|
Atyrau region |
555,5 |
9,1 |
25,4 |
540,2 |
303,7 |
4,9 |
15,5 |
|
East Kazakhstan reg. |
954,5 |
10,7 |
54,5 |
944,3 |
551,7 |
5,1 |
31,5 |
|
Jambul region |
532,1 |
3,4 |
10,4 |
512,2 |
333,6 |
1,7 |
5,9 |
|
West Kazakhstan reg. |
476,9 |
6,7 |
12,1 |
453,0 |
250,4 |
3,3 |
4,9 |
|
Karaganda region |
1 038,0 |
15,6 |
49,5 |
1 001,4 |
606,4 |
7,3 |
29,5 |
|
Kostanai region |
557,7 |
4,9 |
20,4 |
519,1 |
320,5 |
2,4 |
12,1 |
|
Kyzylorda region |
426,0 |
3,6 |
28,2 |
417,6 |
248,3 |
1,6 |
20,8 |
|
Mangistau region |
499,6 |
7,9 |
23,7 |
483,9 |
272,1 |
3,9 |
14,8 |
|
Pavlodar region |
609,5 |
8,1 |
28,2 |
585,3 |
341,1 |
4,3 |
14,7 |
|
North Kazakhstan reg. |
321,9 |
3,3 |
14,1 |
310,0 |
191,8 |
1,7 |
10,7 |
|
South Kazakhstan reg. |
1 224,0 |
7,9 |
67,1 |
1 178,7 |
676,9 |
3,2 |
40,8 |
|
Almaty city |
2 625,4 |
2 268,0 |
127,3 |
4 518,5 |
1 105,5 |
1 022,4 |
79,3 |
|
Astana city |
1 051,1 |
20,2 |
49,7 |
1 023,2 |
523,8 |
12,5 |
26,3 |
|
Table 3 |
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|
Specifications |
As of 01.11.16 |
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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. |
103 907 |
9 483 |
63 348 |
1 443 |
14 433 |
|
Akmola region |
2 325 |
326 |
1 285 |
46 |
443 |
|
Aktobe region |
3 893 |
495 |
1 961 |
109 |
768 |
|
Almaty region |
2 535 |
385 |
1 429 |
49 |
467 |
|
Atyrau region |
3 842 |
545 |
1 875 |
81 |
672 |
|
East Kazakhstan reg. |
6 124 |
747 |
3 333 |
130 |
1 420 |
|
Jambul region |
1 822 |
346 |
977 |
62 |
653 |
|
West Kazakhstan reg. |
3 440 |
364 |
1 918 |
76 |
625 |
|
Karaganda region |
8 840 |
752 |
5 629 |
117 |
1 671 |
|
Kostanai region |
7 983 |
378 |
5 769 |
58 |
827 |
|
Kyzylorda region |
1 507 |
302 |
750 |
57 |
418 |
|
Mangistau region |
3 132 |
535 |
1 651 |
81 |
382 |
|
Pavlodar region |
5 919 |
549 |
3 759 |
73 |
835 |
|
North Kazakhstan reg. |
2 700 |
287 |
1 454 |
38 |
617 |
|
South Kazakhstan reg. |
4 019 |
637 |
2 006 |
85 |
1 131 |
|
Almaty city |
29 323 |
1 820 |
18 743 |
226 |
2 280 |
|
Astana city |
16 503 |
1 015 |
10 809 |
155 |
1 224 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2015 |
||
|
Number of transactions (thousand) of which: |
7 456,9 |
15 861,8 |
|
local systems |
67,6 |
740,6 |
|
international systems, of which: |
7 389,3 |
15 121,2 |
|
Visa International |
6 405,5 |
11 970,8 |
|
MasterCard Worldwide |
918,0 |
2 815,9 |
|
Volume (mln.tenge), of which; |
93 960,8 |
616 280,6 |
|
local systems |
2 770,3 |
23 287,9 |
|
international systems, of which: |
91 190,5 |
592 992,7 |
|
Visa International |
77 959,5 |
483 904,4 |
|
MasterCard Worldwide |
11 894,0 |
99 430,0 |
|
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 |
|
Dynamics (%) |
||
|
Number |
47,7% |
13,1% |
|
local systems |
-78,4% |
-68,1% |
|
international systems, of which: |
48,9% |
17,1% |
|
Visa International |
40,2% |
8,1% |
|
MasterCard Worldwide |
106,3% |
33,3% |
|
Volume |
58,2% |
22,7% |
|
local systems |
64,8% |
-61,8% |
|
international systems, of which: |
58,0% |
26,0% |
|
Visa International |
48,9% |
17,7% |
|
MasterCard Worldwide |
121,4% |
46,0% |
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 |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 525,6 |
123 787,0 |
17 883,7 |
751 382,3 |
|
Akmola region |
61,2 |
1 444,3 |
527,4 |
19 527,7 |
|
Aktobe region |
234,8 |
4 542,5 |
907,5 |
33 086,0 |
|
Almaty region |
82,2 |
1 911,3 |
783,0 |
32 805,4 |
|
Atyrau region |
226,5 |
5 139,3 |
839,5 |
36 552,1 |
|
East Kazakhstan reg. |
191,7 |
2 856,0 |
1 341,0 |
51 059,0 |
|
Jambul region |
79,0 |
1 405,1 |
723,5 |
28 009,4 |
|
West Kazakhstan reg. |
144,8 |
4 096,6 |
641,7 |
24 182,2 |
|
Karaganda region |
282,3 |
4 582,5 |
1 489,6 |
58 894,4 |
|
Kostanai region |
554,3 |
2 980,0 |
745,2 |
29 109,4 |
|
Kyzylorda region |
83,9 |
1 062,6 |
541,1 |
22 866,6 |
|
Mangistau region |
201,7 |
3 254,3 |
748,7 |
40 363,5 |
|
Pavlodar region |
171,1 |
4 321,8 |
835,8 |
32 539,0 |
|
North Kazakhstan reg. |
89,8 |
1 243,7 |
456,6 |
15 592,7 |
|
South Kazakhstan reg. |
167,3 |
7 240,2 |
1 470,9 |
63 010,3 |
|
Almaty city |
5 711,4 |
60 472,2 |
3 867,8 |
176 173,9 |
|
Astana city |
1 243,7 |
17 234,5 |
1 964,4 |
87 610,7 |
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 |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 804,0 |
115 620,6 |
17 092,9 |
723 524,0 |
|
POS - terminal |
5 370,4 |
75 798,6 |
898,8 |
111 167,3 |
|
ATM |
1 000,1 |
16 129,6 |
16 984,9 |
640 215,0 |
|
bank kiosk |
29,8 |
881,7 |
- |
- |
|
Internet |
3 125,4 |
30 977,1 |
- |
- |
