Version ¹186 on 26/02/2020
As of February 01, 2020 actual origination of the payment cards were 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 February 01, 2020 banks have issued 33,9 mln. payment cards and a number of card holders reached 30,7 mln. (in comparison with the situation on the same date of 2019, there is a growth of 43,4% and 57,6% respectively). The most widespread ones are the debit cards with the share of 77,0%, the share of credit cards – 19,2%. The share of debit cards with credit limit and share of prepaid cards is 2,2% and 1,6% respectively.
In January 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 2 786,6 bln. tenge (an increase of 44,4% compared to January 2019). The number of transactions in January 2020 amounted to 167.3 million transactions and increased by 75,4% compared to January 2019. At the same time, the number of non-cash transactions increased 2,1 times (the number amounted to 142,4 million units) and the amount – 2,4 times (the volume amounted to 1 651,9 billion tenge). Card holders conducted 24,9 million withdrawals in the amount of 1 134,7 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicators of 2019 by 13,8% and 9,4%, respectively.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (44,7% and 74,3% respectively) and POS-terminals (55,0% and 24,7% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,7% and 92,1% 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 01.02.2019 |
As of 01.02.2020 |
|
Total number of cards in circulation (thousand), of which: |
23 661,4 |
33 938,5 |
|
local systems |
12,4 |
6 222,9 |
|
international systems, of which: |
23 649,0 |
27 715,6 |
|
Visa International, of which: |
15 068,0 |
15 886,9 |
|
debit |
9 561,7 |
9 655,1 |
|
credit |
4 718,6 |
5 051,4 |
|
Debit cards with credit limit and prepaid |
787,7 |
1 180,4 |
|
MasterCard Worldwide, of which: |
7 024,2 |
10 546,0 |
|
debit |
6 792,5 |
10 180,4 |
|
credit |
177,6 |
249,4 |
|
Debit cards with credit limit and prepaid |
54,2 |
116,2 |
|
Number of card holders (thousand), of which: |
19 452,1 |
30 665,3 |
|
local systems |
11,2 |
5 366,9 |
|
international systems, of which: |
19 440,9 |
25 298,3 |
|
Visa International, of which: |
12 139,3 |
14 090,4 |
|
MasterCard Worldwide, of which: |
6 154,8 |
9 944,8 |
|
Number of used cards (thousand), of which: |
12 097,3 |
18 356,2 |
|
local systems |
8,5 |
4 697,5 |
|
international systems, of which: |
12 088,8 |
13 658,8 |
|
Visa International, of which: |
7 258,6 |
6 404,9 |
|
debit |
4 453,1 |
4 248,3 |
|
credit |
2 563,9 |
1 612,9 |
|
Debit cards with credit limit and prepaid |
241,7 |
543,7 |
|
MasterCard Worldwide, of which: |
3 981,1 |
6 604,1 |
|
debit |
3 881,9 |
6 467,9 |
|
credit |
82,1 |
91,9 |
|
Debit cards with credit limit and prepaid |
17,1 |
44,3 |
|
Specifications |
As of 01.01.2019 |
As of 01.01.2020 |
|
Number of POS - terminals (units), of which: |
135 796 |
170 410 |
|
commercial enterprises |
126 979 |
161 690 |
|
banks |
8 817 |
8 720 |
|
Number of ATM (units) , of which: |
11 017 |
11 315 |
|
with cash distribution function |
7 956 |
6 749 |
|
with cash reception and distribution functions |
3 061 |
4 566 |
|
Number of commercial enterprises (units) |
82 527 |
96 428 |
|
Number payment terminals and bank’s booths (units)[1] |
17 257 |
16 352 |
|
Table 2 |
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|
Specifications |
As of 01.02.2020 |
||||||
|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
||
|
Total, incl. |
26 121,9 |
6 519,9 |
1 296,7 |
30 665,3 |
15 673,6 |
2 094,6 |
588,0 |
|
Akmola region |
667,4 |
148,2 |
32,9 |
789,7 |
396,2 |
42,2 |
11,5 |
|
Aktobe region |
1 261,4 |
369,4 |
48,0 |
1 507,3 |
752,5 |
111,7 |
18,6 |
|
Almaty region |
1 526,4 |
356,4 |
35,2 |
1 804,7 |
963,9 |
120,2 |
20,3 |
|
Atyrau region |
1 209,8 |
282,3 |
36,8 |
1 374,3 |
716,6 |
91,2 |
12,3 |
|
East Kazakhstan reg. |
1 653,1 |
437,5 |
81,7 |
1 980,9 |
982,5 |
124,3 |
20,4 |
|
Jambul region |
1 087,2 |
214,8 |
38,7 |
1 251,0 |
658,0 |
66,5 |
6,6 |
|
West Kazakhstan reg. |
895,8 |
245,8 |
25,2 |
1 057,5 |
544,8 |
69,0 |
4,8 |
|
Karaganda region |
2 002,7 |
484,3 |
109,6 |
2 378,7 |
1 231,4 |
145,5 |
56,6 |
|
Kostanai region |
981,7 |
244,4 |
34,1 |
1 132,4 |
612,9 |
66,5 |
11,7 |
|
Kyzylorda region |
892,2 |
237,8 |
45,8 |
1 060,7 |
525,9 |
88,0 |
22,8 |
|
Mangistau region |
1 086,2 |
279,4 |
27,2 |
1 253,4 |
639,0 |
91,2 |
6,8 |
|
Pavlodar region |
1 058,2 |
277,2 |
41,8 |
1 254,5 |
656,7 |
80,4 |
10,4 |
|
North Kazakhstan reg. |
520,0 |
112,3 |
16,6 |
595,4 |
309,7 |
30,9 |
8,2 |
|
Turkestan reg. and Shimkent city |
2 878,3 |
705,7 |
88,5 |
3 428,7 |
1 694,7 |
255,9 |
22,1 |
|
Almaty city |
5 602,3 |
1 421,4 |
564,8 |
6 609,3 |
3 245,8 |
477,1 |
336,9 |
|
Nur-Sultan city |
2 799,3 |
703,0 |
70,0 |
3 186,7 |
1 743,1 |
233,8 |
18,1 |
|
Table 3 |
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|
Specifications |
As of 01.01.2020 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
170 410 |
11 315 |
96 428 |
16 352 |
|
Akmola region |
3 643 |
345 |
2 386 |
575 |
|
Aktobe region |
8 363 |
538 |
4 922 |
915 |
|
Almaty region |
3 677 |
483 |
1 910 |
533 |
|
Atyrau region |
5 198 |
582 |
2 694 |
717 |
|
East Kazakhstan reg. |
9 770 |
855 |
5 003 |
1 516 |
|
Jambul region |
3 281 |
426 |
1 462 |
660 |
|
West Kazakhstan reg. |
5 537 |
417 |
2 895 |
687 |
|
Karaganda region |
13 491 |
956 |
7 552 |
1 695 |
|
Kostanai region |
9 879 |
446 |
6 237 |
915 |
|
Kyzylorda region |
2 442 |
367 |
1 097 |
545 |
|
Mangistau region |
4 999 |
570 |
2 677 |
462 |
|
Pavlodar region |
8 942 |
578 |
5 042 |
885 |
|
North Kazakhstan reg. |
3 782 |
318 |
1 845 |
682 |
|
Turkestan reg. and Shimkent city |
7 330 |
914 |
3 326 |
1 260 |
|
Almaty city |
49 289 |
2 176 |
28 574 |
2 918 |
|
Nur-Sultan city |
30 787 |
1 344 |
18 806 |
1 387 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
66 521,0 |
28 865,5 |
|
local systems |
2,4 |
10,4 |
|
international systems, of which: |
66 518,6 |
28 855,1 |
|
Visa International |
19 242,6 |
12 922,7 |
|
MasterCard Worldwide |
45 987,2 |
14 735,7 |
|
Volume (mln.tenge), of which; |
678 199,3 |
1 251 929,8 |
|
local systems |
3 686,1 |
555,8 |
|
international systems, of which: |
674 513,3 |
1 251 374,1 |
|
Visa International |
221 181,8 |
702 154,6 |
|
MasterCard Worldwide |
427 005,0 |
497 501,8 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
142 443,5 |
24 889,1 |
|
local systems |
78 378,5 |
537,2 |
|
international systems, of which: |
64 065,1 |
24 352,0 |
|
Visa International |
18 421,0 |
9 432,1 |
|
MasterCard Worldwide |
45 304,6 |
13 856,1 |
|
Volume (mln.tenge), of which; |
1 651 922,1 |
1 134 698,7 |
|
local systems |
1 051 047,3 |
14 224,4 |
|
international systems, of which: |
600 874,8 |
1 120 474,3 |
|
Visa International |
290 847,6 |
554 226,5 |
|
MasterCard Worldwide |
305 590,0 |
516 461,5 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
137 356,7 |
1 586 943,8 |
25 207,4 |
1 143 553,5 |
|
Akmola region |
2 019,6 |
21 772,8 |
703,9 |
27 315,6 |
|
Aktobe region |
5 886,4 |
64 707,5 |
1 246,0 |
50 255,7 |
|
Almaty region |
8 182,5 |
63 648,9 |
1 480,8 |
60 829,3 |
|
Atyrau region |
5 408,1 |
72 248,4 |
1 213,7 |
56 905,8 |
|
East Kazakhstan reg. |
4 540,1 |
53 208,4 |
1 811,6 |
74 152,5 |
|
Jambul region |
3 348,4 |
38 072,0 |
1 142,6 |
45 455,5 |
|
West Kazakhstan reg. |
3 429,5 |
44 171,0 |
961,5 |
37 689,8 |
|
Karaganda region |
8 470,8 |
90 091,7 |
1 949,7 |
83 338,3 |
|
Kostanai region |
4 048,3 |
41 043,6 |
1 013,0 |
41 226,3 |
|
Kyzylorda region |
2 875,1 |
32 902,8 |
919,9 |
36 244,3 |
|
Mangistau region |
4 804,5 |
61 925,0 |
1 153,8 |
61 789,7 |
|
Pavlodar region |
4 121,0 |
44 200,2 |
1 127,4 |
44 831,3 |
|
North Kazakhstan reg. |
1 368,4 |
16 633,6 |
575,2 |
22 771,1 |
|
Turkestan reg. and Shimkent city |
7 558,1 |
112 254,7 |
2 825,1 |
125 053,4 |
|
Almaty city |
43 512,6 |
553 261,2 |
4 696,4 |
245 370,3 |
|
Nur-Sultan city |
27 783,2 |
276 802,0 |
2 386,8 |
130 324,6 |
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 |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
137 356,7 |
1 586 943,8 |
25 207,4 |
1 143 553,5 |
|
POS - terminal |
75 568,2 |
392 349,4 |
324,7 |
90 787,6 |
|
ATM |
395,5 |
14 859,3 |
24 882,7 |
1 052 765,9 |
|
Internet and mobile phone |
61 392,5 |
1 179 714,0 |
0,0 |
0,0 |
|
Payment terminals |
0,4 |
21,2 |
0,0 |
0,0 |
[1] Placed by banks.
[2] Debit cards with credit limits and prepaid payment cards.
