Version ¹202 on 28/07/2020
As of July 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 Jule 01, 2020 banks have issued 40,2 mln. payment cards and a number of card holders reached 34,1 mln. (in comparison with the situation on the same date of 2019, there is a growth of 52,5% and 46,5% respectively). The most widespread ones are the debit cards with the share of 78,7%, the share of credit cards – 17,6%. The share of debit cards with credit limit and share of prepaid cards is 2,4% and 1,4% respectively.
In January-June 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 20 271,3 bln. tenge (an increase of 57,1% compared to January-June 2019). The number of transactions amounted to 1 192,5 million transactions and increased by 78,4% compared to January- June 2019.
At the same time, the number of non-cash transactions increased 2,1 times (the number amounted to 1042,5 million units) and the amount – 2,5 times (the volume amounted to 12 757,0 billion tenge). Card holders conducted 149,9 million withdrawals in the amount of 7 514,3 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 18,2% and 2,5%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (52,1% and 79,5% respectively) and POS-terminals (47,7% and 19,9% 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 92,6% 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 01.07.2019 |
As of 01.07.2020 |
|
Total number of cards in circulation (thousand), of which: |
26 358,5 |
40 194,9 |
|
local systems |
1 062,9 |
8 741,6 |
|
international systems, of which: |
25 295,6 |
31 453,2 |
|
Visa International, of which: |
15 305,4 |
18 884,4 |
|
debit |
9 318,2 |
12 738,9 |
|
credit |
5 084,6 |
4 789,0 |
|
Debit cards with credit limit and prepaid |
902,5 |
1 356,6 |
|
MasterCard Worldwide, of which: |
8 445,4 |
10 765,6 |
|
debit |
8 179,4 |
10 377,6 |
|
credit |
198,8 |
254,2 |
|
Debit cards with credit limit and prepaid |
67,3 |
133,8 |
|
Number of card holders (thousand), of which: |
23 281,2 |
34 113,2 |
|
local systems |
1 062,9 |
7 347,3 |
|
international systems, of which: |
22 218,3 |
26 766,0 |
|
Visa International, of which: |
13 473,6 |
15 582,5 |
|
MasterCard Worldwide, of which: |
7 591,7 |
9 793,4 |
|
Number of used cards (thousand), of which: |
14 252,8 |
21 556,0 |
|
local systems |
474,1 |
6 457,5 |
|
international systems, of which: |
13 778,6 |
15 098,5 |
|
Visa International, of which: |
7 727,8 |
7 423,0 |
|
debit |
4 586,0 |
5 883,6 |
|
credit |
2 730,4 |
964,3 |
|
Debit cards with credit limit and prepaid |
411,4 |
575,1 |
|
MasterCard Worldwide, of which: |
5 191,5 |
6 886,1 |
|
debit |
5 075,5 |
6 760,6 |
|
credit |
89,6 |
80,6 |
|
Debit cards with credit limit and prepaid |
26,4 |
45,0 |
|
Number of POS - terminals (units), of which: |
146 322 |
190 639 |
|
commercial enterprises |
137 640 |
181 893 |
|
banks |
8 682 |
8 746 |
|
Number of ATM (units) , of which: |
10 923 |
12 108 |
|
with cash distribution function |
7 323 |
7 197 |
|
with cash reception and distribution functions |
3 600 |
4 911 |
|
Number of commercial enterprises (units) |
88 066 |
101 456 |
|
Number of users of online bank service(thousand units)[1] |
16 067 |
25 262 |
|
Table 2 |
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|
Specifications |
As of 01.07.2020 |
||||||
|
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. |
31 636,9 |
7 067,4 |
1 490,6 |
34 113,2 |
19 170,1 |
1 765,7 |
620,2 |
|
Akmola region |
791,6 |
159,7 |
40,9 |
867,7 |
470,6 |
35,3 |
10,1 |
|
Aktobe region |
1 463,3 |
386,4 |
57,5 |
1 603,1 |
886,3 |
92,4 |
14,6 |
|
Almaty region |
1 825,0 |
338,9 |
75,5 |
1 971,3 |
1 169,9 |
79,3 |
19,2 |
|
Atyrau region |
1 378,1 |
301,2 |
41,7 |
1 441,1 |
821,3 |
74,8 |
9,3 |
|
East Kazakhstan reg. |
1 957,8 |
467,1 |
96,0 |
2 128,8 |
1 160,0 |
110,5 |
19,3 |
|
Jambul region |
1 355,6 |
286,0 |
54,0 |
1 470,9 |
833,2 |
67,3 |
7,3 |
|
West Kazakhstan reg. |
1 025,3 |
260,7 |
34,8 |
1 123,5 |
636,5 |
61,6 |
6,3 |
|
Karaganda region |
2 333,1 |
517,8 |
127,0 |
2 492,0 |
1 435,7 |
132,9 |
57,4 |
|
Kostanai region |
1 136,0 |
260,2 |
40,7 |
1 233,1 |
707,3 |
60,4 |
10,3 |
|
Kyzylorda region |
1 077,0 |
255,0 |
50,1 |
1 162,6 |
630,5 |
68,4 |
15,0 |
|
Mangistau region |
1 283,1 |
298,9 |
35,2 |
1 319,7 |
752,9 |
79,3 |
7,3 |
|
Pavlodar region |
1 216,8 |
296,1 |
52,2 |
1 331,8 |
758,8 |
72,7 |
11,4 |
|
North Kazakhstan reg. |
626,3 |
121,7 |
22,1 |
669,5 |
371,0 |
26,3 |
6,6 |
|
Turkestan reg. and Shimkent city |
3 395,8 |
784,7 |
105,4 |
3 692,1 |
2 078,6 |
198,0 |
18,7 |
|
Almaty city |
7 617,9 |
1 600,2 |
583,9 |
8 260,6 |
4 510,4 |
432,4 |
391,0 |
|
Nur-Sultan city |
3 154,1 |
732,8 |
73,5 |
3 345,7 |
1 947,1 |
174,0 |
16,3 |
|
Table 3 |
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|
Specifications |
As of 01.07.2020 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
190 639 |
12 108 |
101 456 |
153 154 |
|
Akmola region |
4 910 |
377 |
2 786 |
4 058 |
|
Aktobe region |
9 086 |
573 |
5 219 |
7 693 |
|
Almaty region |
4 553 |
519 |
2 024 |
3 347 |
|
Atyrau region |
5 563 |
613 |
2 959 |
4 457 |
|
East Kazakhstan reg. |
10 912 |
905 |
5 441 |
8 749 |
|
Jambul region |
4 129 |
479 |
1 537 |
2 871 |
|
West Kazakhstan reg. |
5 986 |
452 |
3 092 |
4 802 |
|
Karaganda region |
15 015 |
1 001 |
8 156 |
12 475 |
|
Kostanai region |
11 050 |
465 |
6 622 |
9 683 |
|
Kyzylorda region |
3 287 |
405 |
1 393 |
2 579 |
|
Mangistau region |
6 189 |
605 |
3 078 |
5 133 |
|
Pavlodar region |
10 274 |
599 |
5 362 |
8 219 |
|
North Kazakhstan reg. |
4 653 |
326 |
2 157 |
3 577 |
|
Turkestan reg. and Shimkent city |
8 764 |
1 005 |
3 844 |
6 461 |
|
Almaty city |
53 598 |
2 310 |
28 537 |
42 638 |
|
Nur-Sultan city |
32 670 |
1 474 |
19 249 |
26 412 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
485 066,1 |
183 259,3 |
|
local systems |
2 821,5 |
69,7 |
|
international systems, of which: |
482 244,5 |
183 189,6 |
|
Visa International |
109 888,4 |
75 473,1 |
|
MasterCard Worldwide |
368 851,5 |
100 073,3 |
|
Volume (mln.tenge), of which; |
5 198 888,3 |
7 708 225,9 |
|
local systems |
79 659,1 |
4 510,1 |
|
international systems, of which: |
5 119 229,3 |
7 703 715,8 |
|
Visa International |
1 634 492,9 |
3 950 394,1 |
|
MasterCard Worldwide |
3 416 647,6 |
3 415 783,2 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
1 042 549,2 |
149 921,3 |
|
local systems |
645 392,5 |
3 838,2 |
|
international systems, of which: |
397 156,6 |
146 083,1 |
|
Visa International |
124 377,4 |
61 965,5 |
|
MasterCard Worldwide |
270 498,0 |
77 575,1 |
|
Volume (mln.tenge), of which; |
12 756 962,5 |
7 514 307,4 |
|
local systems |
8 790 004,3 |
121 699,8 |
|
international systems, of which: |
3 966 958,3 |
7 392 607,6 |
|
Visa International |
1 954 356,0 |
3 786 087,9 |
|
MasterCard Worldwide |
1 983 859,8 |
3 280 788,3 |
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 |
January-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 014 224,5 |
12 445 455,9 |
152 338,8 |
7 581 056,4 |
|
Akmola region |
15 828,2 |
166 459,1 |
4 783,9 |
199 403,3 |
|
Aktobe region |
44 126,6 |
462 513,2 |
7 570,0 |
325 362,9 |
|
Almaty region |
45 002,1 |
510 151,2 |
10 123,0 |
453 941,9 |
|
Atyrau region |
41 825,9 |
548 586,2 |
6 672,8 |
350 743,9 |
|
East Kazakhstan reg. |
34 848,5 |
398 450,1 |
11 824,6 |
511 011,9 |
|
Jambul region |
29 088,2 |
326 626,4 |
7 557,0 |
332 369,8 |
|
West Kazakhstan reg. |
25 398,1 |
318 079,3 |
5 838,3 |
245 255,8 |
|
Karaganda region |
64 673,7 |
695 621,1 |
12 479,4 |
573 351,5 |
|
Kostanai region |
29 765,1 |
290 609,7 |
6 513,7 |
283 888,9 |
|
Kyzylorda region |
23 796,1 |
269 322,0 |
5 700,1 |
255 632,9 |
|
Mangistau region |
38 266,0 |
466 162,5 |
6 612,9 |
379 322,0 |
|
Pavlodar region |
31 041,6 |
317 750,9 |
7 393,5 |
309 770,6 |
|
North Kazakhstan reg. |
10 159,0 |
119 474,9 |
3 826,0 |
159 314,6 |
|
Turkestan reg. and Shimkent city |
68 449,7 |
1 009 642,3 |
17 860,1 |
903 426,2 |
|
Almaty city |
327 324,7 |
4 594 774,7 |
24 527,7 |
1 506 329,3 |
|
Nur-Sultan city |
184 631,0 |
1 951 232,4 |
13 055,8 |
791 930,8 |
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 |
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|
Specifications |
January-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 014 224,5 |
12 445 455,9 |
152 338,8 |
7 581 056,4 |
|
POS - terminal |
484 065,3 |
2 475 660,7 |
1 823,2 |
559 423,5 |
|
ATM |
2 041,6 |
78 391,0 |
150 515,6 |
7 021 632,9 |
|
Internet and mobile phone |
528 115,2 |
9 891 250,8 |
0,0 |
0,0 |
|
Payment terminals |
2,4 |
153,4 |
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.
