Version ¹145 on 01/09/2016
As of September 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 96,8%) 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 September 01, 2016 banks have issued 15,3 mln. payment cards and a number of card holders reached 13,9 mln. (comparing the situation with the same date of 2015, there is a low of 7,6% and 3,7% respectively). The most widespread ones are the debit cards with the share of 80,0%, the share of credit cards - 15,5%. The share of debit cards with credit limit and share of prepaid cards is 2,9% and 1,6% respectively.
In August 2016 the volume of transactions with payment cards issued by the Kazakhstan originators was 915,0 bln. tenge (growth against August 2015 has totaled 33,8%). The number of transactions reached 28,2 mln. and increased by 28,8% versus August 2015. At that, the number of payments and amount of the cashless payments went up to 50,1% (number of transactions 10,3 mln. transactions) and 66,4% (the volume of transactions - 144,2 bln. tenge), operations with cash withdrawals 19,1% (number of transactions - 17,9 mln. transactions) and 29,1%( the volume of transactions - 770,8 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (57,2% and 61,3% out of the total number of payments and volume of cashless payments) and Internet (31,9% and 24,8% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (95,1% and 84,6% 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 01.09.15 |
As of 01.09.16 |
|
Total number of cards in circulation (thousand), of which: |
16 500,3 |
15 250,1 |
|
local systems |
916,3 |
488,5 |
|
international systems, of which: |
15 584,0 |
14 761,6 |
|
Visa International, of which: |
12 948,1 |
11 184,1 |
|
- debit |
9 557,3 |
8 387,6 |
|
- credit |
2 565,3 |
2 183,5 |
|
- debit cards with credit limit and prepaid |
825,5 |
613,1 |
|
MasterCard Worldwide, of which: |
2 327,0 |
2 621,9 |
|
- debit |
2 171,9 |
2 396,2 |
|
- credit |
65,1 |
152,5 |
|
- debit cards with credit limit and prepaid |
90,0 |
73,3 |
|
Number of card holders (thousand), of which: |
14 454,2 |
13 920,5 |
|
local systems |
797,6 |
413,9 |
|
international systems, of which: |
13 656,5 |
13 506,5 |
|
Visa International |
11 264,0 |
10 359,9 |
|
MasterCard Worldwide |
2 169,0 |
2 459,0 |
|
Number of used cards (thousand), of which: |
6 970,5 |
7 840,1 |
|
local systems |
570,4 |
296,0 |
|
international systems, of which: |
6 400,1 |
7 544,1 |
|
Visa International, of which: |
5 136,4 |
5 666,2 |
|
- debit |
4 144,4 |
4 373,8 |
|
- credit |
363,4 |
931,7 |
|
- debit cards with credit limit and prepaid |
628,5 |
360,7 |
|
MasterCard Worldwide, of which: |
1 106,6 |
1 356,1 |
|
- debit |
1 017,4 |
1 226,1 |
|
- credit |
35,9 |
94,5 |
|
- debit cards with credit limit and prepaid |
53,3 |
35,5 |
|
Number of POS - terminals (units), of which: |
70 823 |
99 415 |
|
commercial enterprises |
63 487 |
91 627 |
|
banks |
7 336 |
7 788 |
|
Numbers of imprinters (units), of which: |
76 |
4 |
|
commercial enterprises |
1 |
1 |
|
banks |
75 |
3 |
|
Number of ATM (units) , of which: |
8 904 |
9 419 |
|
with cash distribution function |
7 725 |
7 923 |
|
with cash reception and distribution functions |
1 179 |
1 496 |
|
Number of commercial enterprises (units) |
39 870 |
60 229 |
|
Number of bank’s booths (units) |
1 412 |
1 292 |
|
Number of payment terminals (units)[1] |
13 701 |
14 432 |
|
Table 2 |
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|
Specifications |
As of 01.09.16 |
||||||
|
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. |
12 202,2 |
2 361,5 |
686,4 |
13 920,5 |
6 403,2 |
1 040,6 |
396,2 |
|
Akmola region |
378,4 |
3,6 |
21,0 |
374,2 |
216,0 |
1,8 |
15,1 |
|
Aktobe region |
614,4 |
6,7 |
24,6 |
596,6 |
323,0 |
3,1 |
17,4 |
|
Almaty region |
604,4 |
4,0 |
31,7 |
599,7 |
337,9 |
1,6 |
19,4 |
|
Atyrau region |
540,2 |
8,1 |
23,9 |
525,6 |
288,9 |
4,5 |
14,0 |
|
East Kazakhstan reg. |
943,9 |
9,6 |
50,5 |
929,6 |
536,9 |
4,7 |
30,4 |
|
Jambul region |
522,9 |
2,8 |
9,7 |
498,4 |
320,9 |
1,5 |
5,8 |
|
West Kazakhstan reg. |
462,5 |
5,9 |
11,3 |
438,4 |
239,3 |
2,9 |
4,9 |
|
Karaganda region |
1 019,3 |
13,3 |
46,8 |
984,2 |
589,5 |
6,4 |
29,2 |
|
Kostanai region |
549,7 |
4,2 |
18,4 |
507,1 |
309,1 |
2,2 |
11,1 |
|
Kyzylorda region |
415,2 |
3,2 |
26,5 |
406,5 |
235,9 |
1,4 |
20,0 |
|
Mangistau region |
490,9 |
6,6 |
22,4 |
474,8 |
264,4 |
3,4 |
13,5 |
|
Pavlodar region |
595,6 |
7,5 |
27,2 |
573,3 |
325,6 |
4,2 |
15,9 |
|
North Kazakhstan reg. |
311,4 |
3,0 |
13,0 |
301,5 |
182,9 |
1,5 |
10,0 |
|
South Kazakhstan reg. |
1 172,2 |
6,8 |
62,8 |
1 148,0 |
657,7 |
2,7 |
36,7 |
|
Almaty city |
2 554,6 |
2 257,8 |
249,6 |
4 568,1 |
1 070,1 |
987,1 |
127,5 |
|
Astana city |
1 026,6 |
18,3 |
46,9 |
994,7 |
505,1 |
11,6 |
25,4 |
|
Table 3 |
|||||
|
Specifications |
As of 01.09.16 |
||||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
99 415 |
9 419 |
60 229 |
1 292 |
14 432 |
|
Akmola region |
2 189 |
324 |
1 238 |
46 |
453 |
|
Aktobe region |
3 665 |
491 |
1 849 |
90 |
780 |
|
Almaty region |
2 498 |
379 |
1 434 |
40 |
469 |
|
Atyrau region |
3 758 |
543 |
1 832 |
66 |
663 |
|
East Kazakhstan reg. |
5 989 |
741 |
3 303 |
98 |
1 422 |
|
Jambul region |
1 763 |
342 |
931 |
56 |
634 |
|
West Kazakhstan reg. |
3 313 |
361 |
1 862 |
70 |
620 |
|
Karaganda region |
8 488 |
749 |
5 466 |
104 |
1 687 |
|
Kostanai region |
7 554 |
377 |
5 429 |
56 |
823 |
|
Kyzylorda region |
1 461 |
303 |
727 |
48 |
417 |
|
Mangistau region |
2 992 |
532 |
1 606 |
81 |
397 |
|
Pavlodar region |
5 799 |
551 |
3 693 |
65 |
837 |
|
North Kazakhstan reg. |
2 619 |
287 |
1 409 |
40 |
618 |
|
South Kazakhstan reg. |
3 901 |
623 |
1 960 |
64 |
1 137 |
|
Almaty city |
29 302 |
1 804 |
18 580 |
220 |
2 248 |
|
Astana city |
14 124 |
1 012 |
8 910 |
148 |
1 227 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2015 |
||
|
Number of transactions (thousand) of which: |
6 848,9 |
15 045,2 |
|
local systems |
67,9 |
798,9 |
|
international systems, of which: |
6 781,0 |
14 246,3 |
|
Visa International |
5 886,9 |
11 538,8 |
|
MasterCard Worldwide |
832,1 |
2 463,2 |
|
Volume (mln.tenge), of which; |
86 613,7 |
597 215,0 |
|
local systems |
3 117,8 |
24 968,8 |
|
international systems, of which: |
83 495,9 |
572 246,2 |
|
Visa International |
71 379,8 |
472 647,2 |
|
MasterCard Worldwide |
10 848,3 |
92 489,6 |
|
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 |
|
Dynamics (%) |
||
|
Number |
50,1% |
19,1% |
|
local systems |
-67,7% |
-52,4% |
|
international systems, of which: |
51,3% |
23,1% |
|
Visa International |
44,8% |
14,5% |
|
MasterCard Worldwide |
95,6% |
41,5% |
|
Volume |
66,4% |
29,1% |
|
local systems |
60,7% |
-45,5% |
|
international systems, of which: |
66,7% |
32,3% |
|
Visa International |
60,0% |
25,1% |
|
MasterCard Worldwide |
113,4% |
50,2% |
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. |
8 892,7 |
114 715,4 |
17 914,4 |
767 251,8 |
|
Akmola region |
70,6 |
2 011,4 |
549,0 |
20 110,4 |
|
Aktobe region |
229,2 |
4 113,9 |
909,3 |
33 853,0 |
|
Almaty region |
93,5 |
2 084,5 |
837,0 |
34 106,1 |
|
Atyrau region |
220,8 |
4 580,6 |
853,1 |
37 354,2 |
|
East Kazakhstan reg. |
200,7 |
2 953,9 |
1 366,0 |
51 817,7 |
|
Jambul region |
85,9 |
1 687,1 |
769,2 |
29 020,3 |
|
West Kazakhstan reg. |
142,1 |
3 538,1 |
655,6 |
25 159,3 |
|
Karaganda region |
267,0 |
4 079,5 |
1 508,8 |
61 244,2 |
|
Kostanai region |
562,5 |
2 841,3 |
759,3 |
29 518,9 |
|
Kyzylorda region |
87,5 |
1 016,9 |
571,2 |
23 232,7 |
|
Mangistau region |
207,7 |
3 402,0 |
805,1 |
42 335,3 |
|
Pavlodar region |
174,2 |
3 368,2 |
863,7 |
32 903,8 |
|
North Kazakhstan reg. |
91,5 |
1 334,5 |
467,5 |
16 208,1 |
|
South Kazakhstan reg. |
169,7 |
5 063,6 |
1 525,3 |
64 566,8 |
|
Almaty city |
5 129,5 |
57 053,7 |
3 605,3 |
179 292,7 |
|
Astana city |
1 160,3 |
15 586,1 |
1 869,2 |
86 528,1 |
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 |
August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 892,7 |
114 715,4 |
17 914,4 |
767 251,8 |
|
POS - terminal |
5 061,9 |
70 678,2 |
871,8 |
118 107,1 |
|
ATM |
1 042,4 |
16 216,6 |
17 042,6 |
649 144,7 |
|
bank kiosk |
26,2 |
663,7 |
- |
- |
|
Internet |
2 761,0 |
27 147,8 |
- |
- |
|
payment terminal |
1,2 |
9,1 |
- |
- |
