Version ¹184 on 23/12/2019

As of December 01, 2019 actual origination of the payment cards were mainly realized by 22 banks and JSC «Kazpost». These institutes issue and distribute payment cards of the international systems like Visa International, Master Card, UnionPay International, American Express International and Diners Club International. Beside banks of Kazakhstan issue payment cards of the local systems like Altyn Card – JSC «Halyk Bank of Kazakhstan», local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».

As of December 01, 2019 banks have issued 31,9 mln. payment cards and a number of card holders reached 28,4 млн mln. (in comparison with the situation on the same date of 2018, there is a growth of 40,6% and и 51,9% respectively). The most widespread ones are the debit cards with the share of 79,3%, the share of credit cards – 16,9%. The share of debit cards with credit limit and share of prepaid cards is 2,1% and 1,7% respectively.

During January-November of 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 27,2 trln. tenge (growth against the similar period of 2018 has totaled 52,9%). The number of transactions reached 1,4 bln. and increased by 93,9% versus the similar period of 2018. At that, the number and amount of cashless transactions increased by more 2,2 times (number of transactions 1 041,5 mln. transactions and the volume – 12,3 trln. tenge), operations with cash withdrawals 34,6% (number of transactions – 344,2 mln. transactions) and 21,7% (the volume of transactions – 14,8 trln. tenge) respectively.

The main bulk of cashless transactions in the territory of Kazakhstan has been made through POS-terminals (47,3% and 27,3% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (52,1% and 71,2% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (93,0% and 85,9% out of the total number 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
Specifications	As of 01.12.18	As of 01.12.19
Total number of cards in circulation (thousand), of which:	22 669,8	31 863,5
local systems	42,8	4 670,3
international systems, of which:	22 627,0	27 193,2
Visa International, of which:	14 325,7	15 783,3
debit	9 664,1	9 546,1
credit	3 940,4	5 127,1
Debit cards with credit limit and prepaid	721,2	1 110,0
MasterCard Worldwide, of which:	6 759,8	9 996,6
debit	6 532,9	9 659,5
credit	173,9	230,4
Debit cards with credit limit and prepaid	53,0	106,7
Number of card holders (thousand), of which:	18 724,4	28 439,0
local systems	38,6	4 670,2
international systems, of which:	18 685,9	23 768,8
Visa International, of which:	11 839,3	13 445,8
MasterCard Worldwide, of which:	5 721,3	9 245,9
Number of used cards (thousand), of which:	10 761,4	19 166,4
local systems	28,2	4 030,2
international systems, of which:	10 733,2	15 136,3
Visa International, of which:	6 402,9	7 797,6
debit	4 569,5	4 632,7
credit	1 539,1	2 636,3
Debit cards with credit limit and prepaid	294,3	528,6
MasterCard Worldwide, of which:	3 576,2	6 512,5
debit	3 482,3	6 366,8
credit	81,5	105,2
Debit cards with credit limit and prepaid	12,3	40,5
Number of POS - terminals (units), of which:	133 533	166 816
commercial enterprises	124 468	158 098
banks	9 065	8 718
Number of ATM (units) , of which:	11 120	11 322
with cash distribution function	8 177	6 800
with cash reception and distribution functions	2 943	4 522
Number of commercial enterprises (units)	80 984	93 497
Number payment terminals (units)[1]	17 098	16 319

Table 2
Specifications	As of 01.12.19
	Total number of cards in circulation (thousand)			Number of card holders (thousand)	Number of used payment cards (thousand)
	debit	credit	others[2]	Number of card holders (thousand)	debit		credit	others²
Total, incl.	25 256,7	5 389,7	1 217,0	28 439,0	15 836,3	2 760,8			569,3
Akmola region	650,9	131,4	29,5	724,8	403,5	59,3			11,7
Aktobe region	1 204,5	301,1	47,4	1 377,0	749,2	157,1			20,1
Almaty region	1 491,0	324,0	31,9	1 699,7	962,4	166,1			19,6
Atyrau region	1 307,3	245,6	32,6	1 401,7	827,6	132,6			12,5
East Kazakhstan reg.	1 606,0	381,1	75,2	1 848,8	992,7	174,9			20,9
Jambul region	1 071,5	186,7	32,5	1 174,1	682,4	96,7			7,0
West Kazakhstan reg.	873,4	205,5	22,6	993,2	540,3	101,0			4,8
Karaganda region	1 939,3	406,3	103,7	2 175,9	1 243,8	205,9			55,9
Kostanai region	961,6	203,2	32,0	1 080,2	612,1	91,8			12,5
Kyzylorda region	849,1	202,5	44,1	965,5	531,6	117,7			24,0
Mangistau region	1 163,4	246,0	24,8	1 264,8	744,3	128,3			7,4
Pavlodar region	1 036,3	237,3	40,4	1 183,6	654,3	112,4			11,5
North Kazakhstan reg.	507,7	98,6	15,4	561,0	315,3	42,0			8,7
Turkestan reg. and Shimkent city	2 757,2	602,7	82,7	3 100,7	1 690,2	319,7			21,7
Almaty city	5 134,1	1 056,0	538,0	5 861,5	3 187,0	547,7			311,5
Nur-Sultan city	2 703,6	561,8	64,2	3 026,3	1 699,6	307,8			19,3

Table 3
Specifications	As of 01.12.19
Specifications	Number of POS-terminals	Number of ATMs	Number of commercial enterprises	Number of payment terminals and bank’s booths
Total, incl.	166 816	11 322	93 497	16 319
Akmola region	3 576	347	2 310	573
Aktobe region	8 185	538	4 782	908
Almaty region	3 645	510	1 832	532
Atyrau region	5 122	584	2 615	714
East Kazakhstan reg.	9 500	856	4 798	1 522
Jambul region	3 242	430	1 391	660
West Kazakhstan reg.	5 452	410	2 798	684
Karaganda region	13 054	965	7 207	1 693
Kostanai region	9 694	444	6 079	913
Kyzylorda region	2 402	366	1 025	537
Mangistau region	4 926	567	2 613	463
Pavlodar region	8 726	572	4 847	880
North Kazakhstan reg.	3 683	321	1 779	681
Turkestan reg. and Shimkent city	7 092	911	3 125	1 253
Almaty city	48 118	2 159	27 824	2 919
Nur-Sultan city	30 399	1 342	18 472	1 387

Use of payment cards, issued by the banks of Kazakhstan, in and outside the country

Table 4
Specifications	January- November
Specifications	Cashless transactions	Cash withdrawals
2018
Number of transactions (thousand) of which;	458 720,6	255 770,4
local systems	33,2	322,3
international systems, of which:	458 687,4	255 448,0
Visa International	212 629,9	135 581,0
MasterCard Worldwide	238 867,6	105 730,1
Volume (mln.tenge), of which;	5 584 507,4	12 195 126,6
local systems	34 997,5	15 735,8
international systems, of which:	5 549 510,0	12 179 390,8
Visa International	3 076 074,2	7 521 294,9
MasterCard Worldwide	2 316 063,8	4 099 920,8
2019
Number of transactions (thousand) of which;	1 041 487,4	344 174,3
local systems	261 267,3	5 492,6
international systems, of which:	780 220,1	338 681,7
Visa International	204 704,5	135 147,8
MasterCard Worldwide	570 486,2	189 871,8
Volume (mln.tenge), of which;	12 340 342,1	14 841 034,4
local systems	3 682 451,8	270 000,9
international systems, of which:	8 657 890,3	14 571 033,5
Visa International	3 405 968,5	7 287 799,0
MasterCard Worldwide	5 159 227,8	6 662 301,2
Dynamics
Number	2,3 times	34,6%
local systems	7859,8 times	17,0 times
international systems, of which:	70,1%	32,6%
Visa International	-3,7%	-0,3%
MasterCard Worldwide	2,4 times	79,6%
Volume	2,2 times	21,7%
local systems	105,2 times	17,2 times
international systems, of which:	56,0%	19,6%
Visa International	10,7%	-3,1%
MasterCard Worldwide	2,2 times	62,5%

Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions

Table 5
Specifications	January- November [3]
	Cashless transactions		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
Total, incl.	997 947,8	11 394 183,1	316 270,1	14 363 101,5
Akmola region	8 162,5	106 062,6	8 625,4	341 810,5
Aktobe region	23 156,5	261 754,4	14 956,8	592 945,5
Almaty region	32 047,0	451 197,9	16 256,5	707 238,0
Atyrau region	21 410,4	342 853,0	14 347,3	681 726,0
East Kazakhstan reg.	20 497,7	244 874,1	21 404,6	883 715,0
Jambul region	11 725,0	137 528,8	13 197,6	536 452,5
West Kazakhstan reg.	15 328,2	212 622,3	11 233,6	444 604,6
Karaganda region	40 508,2	439 296,1	22 396,1	955 715,3
Kostanai region	22 945,4	214 423,1	12 097,4	499 889,9
Kyzylorda region	9 944,8	120 167,5	10 171,8	425 865,8
Mangistau region	18 374,1	240 070,5	12 687,5	688 874,1
Pavlodar region	19 752,0	188 178,2	13 239,4	539 308,4
North Kazakhstan reg.	7 328,5	74 884,1	6 959,2	275 387,6
Turkestan reg. and Shimkent city	24 085,2	391 911,4	29 786,0	1 402 524,1
Almaty city	583 295,2	6 595 779,6	76 935,4	3 815 623,4
Nur-Sultan city	139 387,1	1 372 579,3	31 975,6	1 571 420,9

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	January- November
	Cashless transactions		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
Total, incl.	997 947,8	11 394 183,1	316 270,1	14 363 101,5
POS - terminal	472 099,1	3 105 732,3	22 240,2	2 032 195,7
ATM	6 144,4	175 403,9	294 029,9	12 330 905,8
Internet and mobile phone	519 698,0	8 112 700,3	-	-
Bank’s booths	6,3	346,6	-	-

[1] Placed by banks.

[2] Debit cards with credit limits and prepaid payment cards.

[3] These changes are associated with the technological refinement of large second-tier banks in the distribution (division) of Internet payments by region.