Version ¹188 on 06/05/2020
As of April 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 April 01, 2020 banks have issued 35,8 mln. payment cards and a number of card holders reached 30,2 mln. (in comparison with the situation on the same date of 2019, there is a growth of 46,5% and 42,3% respectively). The most widespread ones are the debit cards with the share of 76,8%, the share of credit cards – 19,1%. The share of debit cards with credit limit and share of prepaid cards is 2,5% and 1,7% respectively.
In 1st quarter 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 9 487,4 bln. tenge (an increase of 62,3% compared to 1st quarter 2019). The number of transactions amounted to 554,8 million transactions and increased by 84,6% compared to 1st quarter 2019. At the same time, the number of non-cash transactions increased 2,2 times (the number amounted to 475,0 million units) and the amount – 2,5 times (the volume amounted to 5 760,5 billion tenge). Card holders conducted 79,8 million withdrawals in the amount of 3 726,9 billion tenge. There is a decrease in the number of cash withdrawal operations compared to the corresponding indicator of 2019 by 6,5% and an increase in the volume by 4,0%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (46,9% and 76,3% respectively) and POS-terminals (52,8% and 22,8% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,8% 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 01.04.2019 |
As of 01.04.2020 |
|
Total number of cards in circulation (thousand), of which: |
24 427,8 |
35 797,7 |
|
local systems |
0,8 |
6 952,1 |
|
international systems, of which: |
24 427,0 |
28 845,6 |
|
Visa International, of which: |
15 310,4 |
16 703,7 |
|
debit |
9 623,3 |
10 371,9 |
|
credit |
4 852,9 |
4 977,0 |
|
Debit cards with credit limit and prepaid |
834,2 |
1 354,7 |
|
MasterCard Worldwide, of which: |
7 575,0 |
10 788,8 |
|
debit |
7 334,2 |
10 404,0 |
|
credit |
185,6 |
257,4 |
|
Debit cards with credit limit and prepaid |
55,2 |
127,4 |
|
Number of card holders (thousand), of which: |
21 200,8 |
30 161,3 |
|
local systems |
0,7 |
5 827,3 |
|
international systems, of which: |
21 200,1 |
24 333,9 |
|
Visa International, of which: |
13 342,2 |
13 623,6 |
|
MasterCard Worldwide, of which: |
6 713,2 |
9 724,1 |
|
Number of used cards (thousand), of which: |
13 125,9 |
20 679,5 |
|
local systems |
0,4 |
5 602,1 |
|
international systems, of which: |
13 125,6 |
15 077,4 |
|
Visa International, of which: |
7 728,6 |
7 371,6 |
|
debit |
4 684,2 |
5 112,7 |
|
credit |
2 657,8 |
1 636,0 |
|
Debit cards with credit limit and prepaid |
386,6 |
622,9 |
|
MasterCard Worldwide, of which: |
4 534,5 |
6 964,4 |
|
debit |
4 427,2 |
6 824,7 |
|
credit |
85,8 |
92,2 |
|
Debit cards with credit limit and prepaid |
21,5 |
47,5 |
|
Specifications |
|
|
|
Number of POS - terminals (units), of which: |
141 377 |
169 537 |
|
commercial enterprises |
132 879 |
160 732 |
|
banks |
8 498 |
8 805 |
|
Number of ATM (units) , of which: |
10 401 |
11 973 |
|
with cash distribution function |
7 341 |
7 424 |
|
with cash reception and distribution functions |
3 060 |
4 549 |
|
Number of commercial enterprises (units) |
85 592 |
96 315 |
|
Number of users of online bank service(thousand units)[1] |
14 513 |
23 792 |
|
Table 2 |
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|
Specifications |
As of 01.04.2020 |
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|
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. |
27 480,7 |
6 834,7 |
1 482,3 |
30 161,3 |
17 335,9 |
2 673,0 |
670,6 |
|
Akmola region |
698,9 |
153,3 |
39,8 |
767,8 |
445,6 |
52,2 |
12,8 |
|
Aktobe region |
1 324,9 |
381,6 |
58,2 |
1 474,0 |
839,4 |
143,2 |
20,1 |
|
Almaty region |
1 603,6 |
320,4 |
74,5 |
1 774,1 |
1 057,4 |
121,6 |
25,0 |
|
Atyrau region |
1 268,7 |
291,3 |
41,9 |
1 327,5 |
790,5 |
111,1 |
12,9 |
|
East Kazakhstan reg. |
1 743,1 |
452,5 |
95,5 |
1 948,1 |
1 098,4 |
156,4 |
23,2 |
|
Jambul region |
1 190,0 |
274,2 |
49,2 |
1 329,0 |
776,9 |
101,6 |
8,7 |
|
West Kazakhstan reg. |
937,9 |
253,4 |
32,4 |
1 025,0 |
602,9 |
88,5 |
7,2 |
|
Karaganda region |
2 096,7 |
503,8 |
123,0 |
2 298,3 |
1 365,4 |
190,4 |
60,1 |
|
Kostanai region |
1 027,3 |
251,7 |
39,5 |
1 116,6 |
671,6 |
84,0 |
12,8 |
|
Kyzylorda region |
944,7 |
246,5 |
55,0 |
1 041,2 |
592,8 |
107,1 |
23,9 |
|
Mangistau region |
1 155,1 |
292,6 |
34,4 |
1 214,4 |
710,6 |
117,6 |
8,9 |
|
Pavlodar region |
1 102,9 |
288,2 |
50,0 |
1 224,4 |
721,3 |
104,0 |
12,6 |
|
North Kazakhstan reg. |
554,0 |
116,4 |
21,8 |
593,3 |
346,2 |
37,1 |
9,1 |
|
Turkestan reg. and Shimkent city |
3 020,2 |
748,5 |
102,4 |
3 357,2 |
1 912,2 |
317,3 |
24,8 |
|
Almaty city |
5 895,4 |
1 535,4 |
591,7 |
6 537,1 |
3 524,4 |
657,7 |
389,2 |
|
Nur-Sultan city |
2 917,4 |
724,8 |
72,9 |
3 133,3 |
1 880,2 |
283,5 |
19,3 |
|
Table 3 |
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|
Specifications |
As of 01.04.2020 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
169 537 |
11 973 |
96 315 |
133 083 |
|
Akmola region |
3 827 |
364 |
2 521 |
3 222 |
|
Aktobe region |
8 296 |
554 |
5 079 |
6 755 |
|
Almaty region |
3 694 |
512 |
2 003 |
2 658 |
|
Atyrau region |
5 104 |
607 |
2 771 |
3 959 |
|
East Kazakhstan reg. |
9 443 |
909 |
5 138 |
7 418 |
|
Jambul region |
3 277 |
452 |
1 477 |
2 246 |
|
West Kazakhstan reg. |
5 448 |
423 |
2 991 |
4 226 |
|
Karaganda region |
13 680 |
968 |
7 829 |
10 947 |
|
Kostanai region |
9 726 |
458 |
6 279 |
8 290 |
|
Kyzylorda region |
2 575 |
392 |
1 232 |
1 892 |
|
Mangistau region |
5 035 |
602 |
2 836 |
4 025 |
|
Pavlodar region |
8 983 |
852 |
5 144 |
6 901 |
|
North Kazakhstan reg. |
3 914 |
327 |
1 948 |
2 806 |
|
Turkestan reg. and Shimkent city |
7 182 |
970 |
3 477 |
5 400 |
|
Almaty city |
48 792 |
2 217 |
27 029 |
38 250 |
|
Nur-Sultan city |
30 561 |
1 366 |
18 561 |
24 088 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
1st quarter |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
215 158,8 |
85 372,8 |
|
local systems |
7,4 |
11,9 |
|
international systems, of which: |
215 151,4 |
85 360,9 |
|
Visa International |
55 743,9 |
37 389,0 |
|
MasterCard Worldwide |
156 759,3 |
44 288,3 |
|
Volume (mln.tenge), of which; |
2 263 416,0 |
3 582 920,6 |
|
local systems |
10 255,6 |
628,9 |
|
international systems, of which: |
2 253 160,4 |
3 582 291,7 |
|
Visa International |
745 097,8 |
1 934 814,1 |
|
MasterCard Worldwide |
1 451 696,3 |
1 491 579,3 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
474 977,9 |
79 813,0 |
|
local systems |
272 145,3 |
1 856,4 |
|
international systems, of which: |
202 832,6 |
77 956,6 |
|
Visa International |
59 319,7 |
31 047,7 |
|
MasterCard Worldwide |
142 489,5 |
43 736,5 |
|
Volume (mln.tenge), of which; |
5 760 512,0 |
3 726 924,9 |
|
local systems |
3 813 853,9 |
50 937,8 |
|
international systems, of which: |
1 946 658,1 |
3 675 987,1 |
|
Visa International |
955 643,1 |
1 840 253,8 |
|
MasterCard Worldwide |
977 248,5 |
1 683 040,0 |
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 |
1st quarter 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
459 500,1 |
5 588 753,5 |
80 924,9 |
3 757 395,7 |
|
Akmola region |
7 114,4 |
79 399,0 |
2 397,9 |
94 455,5 |
|
Aktobe region |
20 284,2 |
226 439,2 |
4 049,2 |
164 773,0 |
|
Almaty region |
19 849,4 |
210 949,5 |
4 772,8 |
201 196,5 |
|
Atyrau region |
19 036,0 |
264 170,2 |
3 830,6 |
187 127,7 |
|
East Kazakhstan reg. |
16 156,8 |
195 816,8 |
5 998,4 |
247 448,7 |
|
Jambul region |
12 106,6 |
140 852,7 |
3 825,1 |
157 840,7 |
|
West Kazakhstan reg. |
11 695,6 |
157 053,9 |
3 111,3 |
122 918,0 |
|
Karaganda region |
29 358,0 |
327 426,2 |
6 387,8 |
277 584,3 |
|
Kostanai region |
13 721,3 |
147 964,2 |
3 287,9 |
135 817,4 |
|
Kyzylorda region |
10 082,3 |
118 974,2 |
2 973,2 |
123 721,0 |
|
Mangistau region |
16 700,6 |
221 998,3 |
3 593,0 |
197 584,1 |
|
Pavlodar region |
14 139,3 |
158 407,8 |
3 687,4 |
147 725,7 |
|
North Kazakhstan reg. |
4 695,1 |
62 968,6 |
1 906,2 |
76 143,9 |
|
Turkestan reg. and Shimkent city |
26 598,0 |
406 820,1 |
9 251,4 |
424 908,3 |
|
Almaty city |
148 035,8 |
1 926 094,6 |
14 462,5 |
786 403,0 |
|
Nur-Sultan city |
89 926,6 |
943 418,2 |
7 390,2 |
411 747,9 |
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 |
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|
Specifications |
1st quarter 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
459 500,1 |
5 588 753,5 |
80 924,9 |
3 757 395,7 |
|
POS - terminal |
242 584,0 |
1 275 778,2 |
1 004,9 |
295 021,7 |
|
ATM |
1 213,0 |
49 258,8 |
79 920,0 |
3 462 373,9 |
|
Internet and mobile phone |
215 701,7 |
4 263 644,2 |
0,0 |
0,0 |
|
Payment terminals |
1,3 |
72,3 |
0,0 |
0,0 |
[1] Placed by banks.
[2] Debit cards with credit limits and prepaid payment cards.
[3] Entrepreneurs who have concluded an agreement with an acquirer for servicing payment card holders.
