Version ¹187 on 26/03/2020
As of March 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 March 01, 2020 banks have issued 35,0 mln. payment cards and a number of card holders reached 31,3 mln. (in comparison with the situation on the same date of 2019, there is a growth of 45,3% and 50,3% respectively). The most widespread ones are the debit cards with the share of 76,7%, the share of credit cards – 19,3%. The share of debit cards with credit limit and share of prepaid cards is 2,3% and 1,7% respectively.
In January-February 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 5 955,8 bln. tenge (an increase of 58,9% compared to January-February 2019). The number of transactions amounted to 359,6 million transactions and increased by 90,5% compared to January-February 2019. At the same time, the number of non-cash transactions increased 2,2 times (the number amounted to 307,3 million units) and the amount – 2,5 times (the volume amounted to 3 558,8 billion tenge). Card holders conducted 52,3 million withdrawals in the amount of 2 397,0 billion tenge. There is a decrease in the number of cash withdrawal operations compared to the corresponding indicator of 2019 by 3,7% and an increase in the volume by 9,4%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (46,0% and 75,1% respectively) and POS-terminals (53,8% and 24,0% 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 |
||
|
Specifications |
As of 01.03.2019 |
As of 01.03.2020 |
|
Total number of cards in circulation (thousand), of which: |
24 117,1 |
35 031,0 |
|
local systems |
2,4 |
6 701,1 |
|
international systems, of which: |
24 114,7 |
28 329,9 |
|
Visa International, of which: |
15 248,5 |
16 327,8 |
|
debit |
9 650,3 |
10 046,3 |
|
credit |
4 782,9 |
5 017,1 |
|
Debit cards with credit limit and prepaid |
815,3 |
1 264,4 |
|
MasterCard Worldwide, of which: |
7 321,5 |
10 697,8 |
|
debit |
7 084,6 |
10 320,8 |
|
credit |
182,3 |
255,5 |
|
Debit cards with credit limit and prepaid |
54,7 |
121,5 |
|
Number of card holders (thousand), of which: |
20 825,9 |
31 308,2 |
|
local systems |
2,1 |
5 655,9 |
|
international systems, of which: |
20 823,7 |
25 652,3 |
|
Visa International, of which: |
13 225,0 |
14 301,9 |
|
MasterCard Worldwide, of which: |
6 452,8 |
10 091,4 |
|
Number of used cards (thousand), of which: |
12 719,3 |
19 969,6 |
|
local systems |
1,6 |
5 376,5 |
|
international systems, of which: |
12 717,7 |
14 593,1 |
|
Visa International, of which: |
7 567,2 |
6 952,6 |
|
debit |
4 632,7 |
4 774,2 |
|
credit |
2 579,0 |
1 590,5 |
|
Debit cards with credit limit and prepaid |
355,5 |
587,9 |
|
MasterCard Worldwide, of which: |
4 295,8 |
6 934,1 |
|
debit |
4 193,0 |
6 798,9 |
|
credit |
83,4 |
90,2 |
|
Debit cards with credit limit and prepaid |
19,4 |
45,0 |
|
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 |
|||||||
|
Specifications |
As of 01.03.2020 |
||||||
|
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. |
26 884,4 |
6 760,6 |
1 385,9 |
31 308,2 |
16 801,4 |
2 535,4 |
632,9 |
|
Akmola region |
663,0 |
152,3 |
36,6 |
791,3 |
418,6 |
48,7 |
12,0 |
|
Aktobe region |
1 293,9 |
378,2 |
50,9 |
1 538,7 |
818,9 |
131,9 |
18,3 |
|
Almaty region |
1 518,7 |
319,4 |
69,6 |
1 783,8 |
1 001,0 |
119,8 |
24,8 |
|
Atyrau region |
1 230,4 |
291,5 |
38,8 |
1 396,7 |
766,0 |
107,6 |
12,4 |
|
East Kazakhstan reg. |
1 688,2 |
449,0 |
88,0 |
2 021,1 |
1 060,6 |
146,2 |
20,8 |
|
Jambul region |
1 160,1 |
271,3 |
44,9 |
1 375,9 |
749,7 |
96,0 |
7,6 |
|
West Kazakhstan reg. |
918,9 |
253,0 |
29,1 |
1 082,2 |
584,9 |
83,5 |
4,9 |
|
Karaganda region |
2 040,5 |
500,7 |
113,9 |
2 418,1 |
1 325,2 |
175,9 |
57,1 |
|
Kostanai region |
979,3 |
250,4 |
35,9 |
1 144,5 |
647,2 |
78,2 |
12,0 |
|
Kyzylorda region |
914,9 |
243,9 |
49,7 |
1 086,7 |
575,1 |
100,3 |
22,6 |
|
Mangistau region |
1 112,8 |
288,4 |
29,0 |
1 279,9 |
691,6 |
107,5 |
7,0 |
|
Pavlodar region |
1 076,9 |
285,2 |
44,2 |
1 274,0 |
701,4 |
95,0 |
10,9 |
|
North Kazakhstan reg. |
531,3 |
115,5 |
20,0 |
608,3 |
333,6 |
35,2 |
8,5 |
|
Turkestan reg. and Shimkent city |
2 964,5 |
734,9 |
96,2 |
3 526,3 |
1 852,6 |
298,8 |
22,7 |
|
Almaty city |
5 934,7 |
1 502,9 |
571,2 |
6 754,6 |
3 442,8 |
636,1 |
373,3 |
|
Nur-Sultan city |
2 856,4 |
724,1 |
67,9 |
3 226,1 |
1 832,3 |
274,6 |
18,1 |
|
Table 3 |
||||
|
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 |
||
|
Specifications |
January-February |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
134 418,1 |
54 309,9 |
|
local systems |
4,8 |
11,5 |
|
international systems, of which: |
134 413,3 |
54 298,4 |
|
Visa International |
36 166,2 |
24 282,1 |
|
MasterCard Worldwide |
95 991,0 |
27 620,6 |
|
Volume (mln.tenge), of which; |
1 396 498,0 |
2 351 216,2 |
|
local systems |
6 751,1 |
611,2 |
|
international systems, of which: |
1 389 746,9 |
2 350 605,0 |
|
Visa International |
448 234,8 |
1 295 864,4 |
|
MasterCard Worldwide |
889 170,8 |
953 357,6 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
307 250,4 |
52 315,6 |
|
local systems |
174 096,0 |
1 178,5 |
|
international systems, of which: |
133 154,5 |
51 137,1 |
|
Visa International |
38 087,7 |
19 929,3 |
|
MasterCard Worldwide |
94 387,5 |
29 098,9 |
|
Volume (mln.tenge), of which; |
3 558 780,3 |
2 397 028,2 |
|
local systems |
2 321 221,3 |
31 275,3 |
|
international systems, of which: |
1 237 559,0 |
2 365 752,9 |
|
Visa International |
600 079,7 |
1 175 782,4 |
|
MasterCard Worldwide |
628 510,2 |
1 089 701,3 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
297 837,5 |
3 442 096,0 |
53 170,2 |
2 420 065,7 |
|
Akmola region |
4 473,1 |
47 908,0 |
1 525,3 |
59 152,8 |
|
Aktobe region |
12 882,5 |
140 103,2 |
2 643,5 |
106 560,9 |
|
Almaty region |
13 784,5 |
131 976,6 |
3 063,7 |
126 341,1 |
|
Atyrau region |
11 972,7 |
160 982,2 |
2 529,2 |
121 265,4 |
|
East Kazakhstan reg. |
10 145,4 |
119 060,2 |
3 852,0 |
156 792,0 |
|
Jambul region |
7 481,7 |
84 917,1 |
2 436,5 |
99 138,3 |
|
West Kazakhstan reg. |
7 440,6 |
95 264,4 |
2 030,6 |
79 079,9 |
|
Karaganda region |
18 578,8 |
199 244,0 |
4 152,6 |
177 323,4 |
|
Kostanai region |
8 752,5 |
89 498,7 |
2 139,2 |
86 833,8 |
|
Kyzylorda region |
6 305,5 |
71 980,1 |
1 919,2 |
78 004,8 |
|
Mangistau region |
10 472,1 |
135 067,8 |
2 348,7 |
127 761,4 |
|
Pavlodar region |
8 935,5 |
95 791,9 |
2 379,9 |
94 214,9 |
|
North Kazakhstan reg. |
2 953,5 |
36 375,4 |
1 217,8 |
48 368,6 |
|
Turkestan reg. and Shimkent city |
16 625,8 |
244 401,0 |
5 993,2 |
268 314,2 |
|
Almaty city |
97 543,9 |
1 195 853,6 |
9 900,8 |
518 848,3 |
|
Nur-Sultan city |
59 489,3 |
593 672,0 |
5 038,1 |
272 065,8 |
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-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
297 837,5 |
3 442 096,0 |
53 170,2 |
2 420 065,7 |
|
POS - terminal |
160 127,5 |
825 215,4 |
672,6 |
191 236,5 |
|
ATM |
813,9 |
31 712,4 |
52 497,6 |
2 228 829,2 |
|
Internet and mobile phone |
136 895,3 |
2 585 122,6 |
0,0 |
0,0 |
|
Payment terminals |
0,8 |
45,7 |
0,0 |
0,0 |
[1] Placed by banks.
[2] Debit cards with credit limits and prepaid payment cards.
