Version ¹89 on 21/05/2020
As of May 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 May 01, 2020 banks have issued 37,8 mln. payment cards and a number of card holders reached 32,3 mln. (in comparison with the situation on the same date of 2019, there is a growth of 51,4% and 49,5% respectively). The most widespread ones are the debit cards with the share of 79,2%, the share of credit cards – 17,3%. The share of debit cards with credit limit and share of prepaid cards is 2,4% and 1,1% respectively.
In January-April 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 12 293,6 bln. tenge (an increase of 53,5% compared to January-April 2019). The number of transactions amounted to 714,6 million transactions and increased by 71,8% compared to January-April 2019.
At the same time, the number of non-cash transactions increased 2,1 times (the number amounted to 615,3 million units) and the amount – 2,4 times (the volume amounted to 7 567,1 billion tenge). Card holders conducted 99,3 million withdrawals in the amount of 4 726,5 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 14,8% and 2,9%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (48,5% and 77,9% respectively) and POS-terminals (51,3% and 21,3% 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 92,8% 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 01.05.2019 |
As of 01.05.2020 |
|
Total number of cards in circulation (thousand), of which: |
24 956,5 |
37 796,2 |
|
local systems |
0,7 |
7 622,9 |
|
international systems, of which: |
24 955,8 |
30 173,3 |
|
Visa International, of which: |
15 499,9 |
17 625,4 |
|
debit |
9 698,0 |
11 511,7 |
|
credit |
4 923,6 |
4 915,8 |
|
Debit cards with credit limit and prepaid |
878,3 |
1 197,9 |
|
MasterCard Worldwide, of which: |
7 912,8 |
10 893,7 |
|
debit |
7 663,3 |
10 509,1 |
|
credit |
191,9 |
256,6 |
|
Debit cards with credit limit and prepaid |
57,6 |
128,0 |
|
Number of card holders (thousand), of which: |
21 624,8 |
32 331,8 |
|
local systems |
0,6 |
6 649,7 |
|
international systems, of which: |
21 624,2 |
25 682,2 |
|
Visa International, of which: |
13 431,9 |
14 786,5 |
|
MasterCard Worldwide, of which: |
7 040,1 |
9 761,0 |
|
Number of used cards (thousand), of which: |
13 347,1 |
20 468,9 |
|
local systems |
0,3 |
5 725,8 |
|
international systems, of which: |
13 346,8 |
14 743,1 |
|
Visa International, of which: |
7 732,0 |
6 865,1 |
|
debit |
4 649,1 |
5 477,0 |
|
credit |
2 670,0 |
965,9 |
|
Debit cards with credit limit and prepaid |
412,9 |
422,2 |
|
MasterCard Worldwide, of which: |
4 754,5 |
6 983,5 |
|
debit |
4 640,9 |
6 866,8 |
|
credit |
89,5 |
76,9 |
|
Debit cards with credit limit and prepaid |
24,0 |
39,8 |
|
Specifications |
As of 01.04.2019 |
As of 01.04.2020 |
|
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 |
|||||||
|
Specifications |
As of 01.05.2020 |
||||||
|
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. |
29 932,0 |
6 538,1 |
1 326,1 |
32 331,8 |
18 679,1 |
1 327,8 |
462,1 |
|
Akmola region |
752,4 |
147,1 |
37,3 |
793,9 |
472,9 |
29,1 |
8,2 |
|
Aktobe region |
1 406,5 |
364,2 |
54,6 |
1 516,6 |
878,8 |
65,7 |
13,8 |
|
Almaty region |
1 727,4 |
303,9 |
69,2 |
1 886,5 |
1 156,9 |
63,8 |
16,7 |
|
Atyrau region |
1 322,1 |
277,2 |
39,6 |
1 347,1 |
815,2 |
51,3 |
8,9 |
|
East Kazakhstan reg. |
1 862,9 |
434,5 |
92,2 |
2 054,9 |
1 158,8 |
80,7 |
17,6 |
|
Jambul region |
1 286,7 |
262,5 |
49,8 |
1 414,7 |
848,2 |
53,7 |
6,2 |
|
West Kazakhstan reg. |
985,3 |
242,4 |
32,1 |
1 054,9 |
631,6 |
42,1 |
4,1 |
|
Karaganda region |
2 225,2 |
479,2 |
122,5 |
2 408,1 |
1 426,4 |
97,0 |
56,1 |
|
Kostanai region |
1 092,9 |
243,0 |
37,0 |
1 176,0 |
703,6 |
48,6 |
8,5 |
|
Kyzylorda region |
1 016,4 |
231,5 |
46,8 |
1 071,3 |
630,1 |
53,7 |
13,2 |
|
Mangistau region |
1 225,5 |
276,3 |
33,4 |
1 245,3 |
745,3 |
58,2 |
6,9 |
|
Pavlodar region |
1 174,0 |
275,3 |
50,0 |
1 279,1 |
755,5 |
63,5 |
10,2 |
|
North Kazakhstan reg. |
593,0 |
112,5 |
19,2 |
615,4 |
364,5 |
21,6 |
5,2 |
|
Turkestan reg. and Shimkent city |
3 241,6 |
709,3 |
101,3 |
3 544,3 |
2 108,7 |
164,0 |
18,8 |
|
Almaty city |
6 959,2 |
1 484,4 |
470,1 |
7 653,9 |
4 070,6 |
302,3 |
252,7 |
|
Nur-Sultan city |
3 060,9 |
694,7 |
71,1 |
3 270,0 |
1 911,8 |
132,5 |
14,9 |
|
Table 3 |
||||
|
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 |
||
|
Specifications |
January-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
299 378,4 |
116 568,1 |
|
local systems |
10,1 |
12,3 |
|
international systems, of which: |
299 368,3 |
116 555,8 |
|
Visa International |
72 711,3 |
49 658,2 |
|
MasterCard Worldwide |
223 732,8 |
61 972,0 |
|
Volume (mln.tenge), of which; |
3 142 318,6 |
4 868 931,2 |
|
local systems |
14 547,7 |
646,0 |
|
international systems, of which: |
3 127 770,9 |
4 868 285,2 |
|
Visa International |
1 015 909,7 |
2 580 540,5 |
|
MasterCard Worldwide |
2 052 271,0 |
2 077 905,0 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
615 297,7 |
99 300,3 |
|
local systems |
362 390,0 |
2 293,9 |
|
international systems, of which: |
252 907,8 |
97 006,4 |
|
Visa International |
76 043,1 |
39 658,6 |
|
MasterCard Worldwide |
175 458,5 |
53 091,1 |
|
Volume (mln.tenge), of which; |
7 567 096,9 |
4 726 475,1 |
|
local systems |
5 077 490,6 |
65 439,0 |
|
international systems, of which: |
2 489 606,3 |
4 661 036,1 |
|
Visa International |
1 227 396,4 |
2 358 568,7 |
|
MasterCard Worldwide |
1 243 600,0 |
2 096 214,0 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
595 419,7 |
7 352 469,4 |
100 839,7 |
4 770 556,3 |
|
Akmola region |
9 371,7 |
101 388,4 |
3 071,4 |
123 825,1 |
|
Aktobe region |
26 233,8 |
286 055,8 |
5 029,5 |
208 879,0 |
|
Almaty region |
26 383,8 |
285 019,2 |
6 352,8 |
272 663,6 |
|
Atyrau region |
24 787,6 |
339 250,3 |
4 646,7 |
232 355,1 |
|
East Kazakhstan reg. |
21 011,5 |
246 110,5 |
7 682,4 |
322 567,1 |
|
Jambul region |
16 547,9 |
187 190,0 |
4 937,7 |
207 264,0 |
|
West Kazakhstan reg. |
15 291,5 |
199 070,4 |
3 846,1 |
156 995,9 |
|
Karaganda region |
38 774,9 |
425 155,8 |
8 134,7 |
361 647,1 |
|
Kostanai region |
18 171,7 |
185 426,8 |
4 238,5 |
178 344,7 |
|
Kyzylorda region |
13 602,3 |
156 984,6 |
3 709,0 |
158 971,5 |
|
Mangistau region |
22 153,3 |
287 554,1 |
4 471,6 |
252 970,1 |
|
Pavlodar region |
18 729,5 |
201 126,9 |
4 804,5 |
196 731,1 |
|
North Kazakhstan reg. |
6 161,4 |
77 577,6 |
2 426,4 |
98 393,6 |
|
Turkestan reg. and Shimkent city |
37 056,6 |
549 838,0 |
11 699,5 |
550 678,8 |
|
Almaty city |
189 005,4 |
2 627 694,2 |
16 941,9 |
943 219,5 |
|
Nur-Sultan city |
112 137,0 |
1 197 026,9 |
8 847,0 |
505 049,9 |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
595 419,7 |
7 352 469,4 |
100 839,7 |
4 770 556,3 |
|
POS - terminal |
305 200,9 |
1 568 105,3 |
1 239,9 |
343 202,6 |
|
ATM |
1 511,9 |
58 532,4 |
99 599,8 |
4 427 353,7 |
|
Internet and mobile phone |
288 705,2 |
5 725 734,8 |
0,0 |
0,0 |
|
Payment terminals |
1,5 |
97,0 |
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.
