Version ¹201 on 23/06/2020
As of June 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 June 01, 2020 banks have issued 38,8 mln. payment cards and a number of card holders reached 33,2 mln. (in comparison with the situation on the same date of 2019, there is a growth of 54,7% and 52,3% respectively). The most widespread ones are the debit cards with the share of 79,6%, the share of credit cards – 17,0%. The share of debit cards with credit limit and share of prepaid cards is 2,3% and 1,1% respectively.
In January-May 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 16 011,6 bln. tenge (an increase of 53,9% compared to January-May 2019). The number of transactions amounted to 937,8 million transactions and increased by 73,2% compared to January-April 2019.
At the same time, the number of non-cash transactions increased 2,1 times (the number amounted to 814,0 million units) and the amount – 2,4 times (the volume amounted to 9 975,2 billion tenge). Card holders conducted 123,9 million withdrawals in the amount of 6 036,4 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 17,3% and 3,3%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (50,6% and 78,9% respectively) and POS-terminals (49,2% and 20,4% 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 92,9% 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 01.06.2019 |
As of 01.06.2020 |
|
Total number of cards in circulation (thousand), of which: |
25 094,3 |
38 820,1 |
|
local systems |
0,6 |
7 950,5 |
|
international systems, of which: |
25 093,7 |
30 869,6 |
|
Visa International, of which: |
15 363,2 |
18 201,1 |
|
debit |
9 457,8 |
12 124,8 |
|
credit |
5 000,0 |
4 884,0 |
|
Debit cards with credit limit and prepaid |
905,3 |
1 192,3 |
|
MasterCard Worldwide, of which: |
8 187,4 |
10 906,9 |
|
debit |
7 932,2 |
10 522,3 |
|
credit |
193,9 |
254,7 |
|
Debit cards with credit limit and prepaid |
61,2 |
129,8 |
|
Number of card holders (thousand), of which: |
21 810,8 |
33 220,4 |
|
local systems |
0,5 |
6 909,1 |
|
international systems, of which: |
21 810,4 |
26 311,3 |
|
Visa International, of which: |
13 335,9 |
15 182,8 |
|
MasterCard Worldwide, of which: |
7 319,1 |
9 835,5 |
|
Number of used cards (thousand), of which: |
13 673,6 |
21 235,8 |
|
local systems |
0,2 |
6 152,5 |
|
international systems, of which: |
13 673,3 |
15 083,3 |
|
Visa International, of which: |
7 801,3 |
7 137,7 |
|
debit |
4 658,8 |
5 795,8 |
|
credit |
2 716,5 |
919,9 |
|
Debit cards with credit limit and prepaid |
426,0 |
421,9 |
|
MasterCard Worldwide, of which: |
5 004,5 |
7 010,5 |
|
debit |
4 887,8 |
6 893,7 |
|
credit |
90,6 |
74,0 |
|
Debit cards with credit limit and prepaid |
26,1 |
42,8 |
|
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 |
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|
Specifications |
As of 01.06.2020 |
||||||
|
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. |
30 895,0 |
6 602,8 |
1 322,3 |
33 220,4 |
19 273,7 |
1 497,3 |
464,8 |
|
Akmola region |
781,8 |
148,1 |
38,0 |
855,0 |
494,5 |
31,6 |
9,0 |
|
Aktobe region |
1 434,2 |
365,2 |
54,2 |
1 552,5 |
899,3 |
77,9 |
12,6 |
|
Almaty region |
1 787,5 |
308,0 |
69,1 |
1 922,1 |
1 188,1 |
62,8 |
16,0 |
|
Atyrau region |
1 349,6 |
279,6 |
39,5 |
1 373,9 |
827,6 |
58,3 |
8,4 |
|
East Kazakhstan reg. |
1 918,9 |
436,9 |
91,4 |
2 089,7 |
1 176,9 |
90,5 |
16,7 |
|
Jambul region |
1 330,2 |
264,7 |
50,4 |
1 442,9 |
857,8 |
55,0 |
6,2 |
|
West Kazakhstan reg. |
1 007,8 |
243,1 |
32,6 |
1 106,1 |
643,8 |
48,3 |
5,0 |
|
Karaganda region |
2 287,7 |
484,7 |
122,5 |
2 448,8 |
1 452,2 |
115,7 |
54,6 |
|
Kostanai region |
1 117,5 |
244,1 |
37,4 |
1 200,6 |
715,9 |
53,1 |
8,3 |
|
Kyzylorda region |
1 054,1 |
234,2 |
45,7 |
1 109,9 |
645,9 |
57,3 |
11,6 |
|
Mangistau region |
1 258,0 |
279,5 |
33,1 |
1 278,3 |
762,3 |
67,1 |
6,3 |
|
Pavlodar region |
1 199,5 |
277,8 |
49,5 |
1 311,1 |
767,1 |
65,7 |
9,9 |
|
North Kazakhstan reg. |
607,0 |
113,2 |
20,1 |
649,3 |
369,0 |
23,1 |
5,9 |
|
Turkestan reg. and Shimkent city |
3 336,2 |
717,6 |
101,4 |
3 614,0 |
2 158,3 |
171,1 |
17,7 |
|
Almaty city |
7 303,6 |
1 507,1 |
466,2 |
7 949,1 |
4 359,7 |
357,8 |
262,0 |
|
Nur-Sultan city |
3 121,4 |
698,9 |
71,1 |
3 317,2 |
1 955,2 |
161,7 |
14,7 |
|
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 |
January-May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
391 789,7 |
149 702,6 |
|
local systems |
814,1 |
12,6 |
|
international systems, of which: |
390 975,6 |
149 690,1 |
|
Visa International |
92 285,7 |
62 552,5 |
|
MasterCard Worldwide |
295 457,4 |
80 843,9 |
|
Volume (mln.tenge), of which; |
4 162 332,1 |
6 242 508,0 |
|
local systems |
43 288,4 |
658,2 |
|
international systems, of which: |
4 119 043,7 |
6 241 849,8 |
|
Visa International |
1 322 368,8 |
3 251 659,1 |
|
MasterCard Worldwide |
2 732 840,1 |
2 719 907,6 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
813 961,0 |
123 853,4 |
|
local systems |
493 465,2 |
3 005,8 |
|
international systems, of which: |
320 495,8 |
120 847,5 |
|
Visa International |
98 252,4 |
50 392,9 |
|
MasterCard Worldwide |
220 374,4 |
64 980,3 |
|
Volume (mln.tenge), of which; |
9 975 200,9 |
6 036 429,3 |
|
local systems |
6 797 855,8 |
90 777,0 |
|
international systems, of which: |
3 177 345,1 |
5 945 652,3 |
|
Visa International |
1 561 007,9 |
3 022 752,7 |
|
MasterCard Worldwide |
1 592 696,1 |
2 654 359,3 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
790 128,1 |
9 716 546,8 |
125 996,4 |
6 096 527,3 |
|
Akmola region |
12 432,8 |
131 255,9 |
3 937,2 |
160 814,9 |
|
Aktobe region |
34 652,8 |
369 340,0 |
6 264,8 |
264 274,1 |
|
Almaty region |
35 237,0 |
390 251,4 |
8 267,9 |
361 195,5 |
|
Atyrau region |
32 551,7 |
437 141,5 |
5 617,5 |
287 265,1 |
|
East Kazakhstan reg. |
27 449,6 |
315 340,3 |
9 692,8 |
410 948,1 |
|
Jambul region |
22 372,4 |
251 036,7 |
6 251,2 |
267 470,3 |
|
West Kazakhstan reg. |
20 068,0 |
254 497,0 |
4 815,1 |
198 784,5 |
|
Karaganda region |
51 196,0 |
552 860,8 |
10 292,4 |
463 782,5 |
|
Kostanai region |
23 766,4 |
234 337,4 |
5 352,9 |
228 359,3 |
|
Kyzylorda region |
18 399,6 |
209 296,9 |
4 672,9 |
203 627,2 |
|
Mangistau region |
29 570,9 |
372 150,6 |
5 516,3 |
312 813,3 |
|
Pavlodar region |
24 638,6 |
257 186,8 |
6 092,2 |
252 145,2 |
|
North Kazakhstan reg. |
8 111,7 |
97 272,8 |
3 132,3 |
127 866,5 |
|
Turkestan reg. and Shimkent city |
51 727,9 |
766 503,5 |
14 766,2 |
719 372,0 |
|
Almaty city |
251 661,5 |
3 522 834,5 |
20 418,0 |
1 195 658,0 |
|
Nur-Sultan city |
146 291,3 |
1 555 240,5 |
10 906,8 |
642 151,0 |
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-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
790 128,1 |
9 716 546,8 |
125 996,4 |
6 096 527,3 |
|
POS - terminal |
388 559,6 |
1 986 482,4 |
1 514,9 |
434 239,1 |
|
ATM |
1 788,0 |
68 143,0 |
124 481,5 |
5 662 288,2 |
|
Internet and mobile phone |
399 778,6 |
7 661 799,9 |
0,0 |
0,0 |
|
Payment terminals |
1,9 |
121,5 |
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.
