Version ¹203 on 25/08/2020
As of August 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 August 01, 2020 banks have issued 41,3 mln. payment cards and a number of card holders reached 34,9 mln. (in comparison with the situation on the same date of 2019, there is a growth of 40,8% and 34,3% respectively). The most widespread ones are the debit cards with the share of 77,9%, the share of credit cards – 18,4%. The share of debit cards with credit limit and share of prepaid cards is 2,3% and 1,4% respectively.
In January-July 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 24 635,4 bln. tenge (an increase of 58,9% compared to January-July 2019). The number of transactions amounted to 1 461,5 million transactions and increased by 83,4% compared to January- July 2019.
At the same time, the number of non-cash transactions increased 2,2 times (the number amounted to 1 287,4 million units) and the amount – 2,5 times (the volume amounted to 15 740,0 billion tenge). Card holders conducted 174,1 million withdrawals in the amount of 8 895,4 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 20,0% and 3,2%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (53,8% and 80,2% respectively) and POS-terminals (46,0% and 19,2% 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 92,5% 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 01.08.2019 |
As of 01.08.2020 |
|
Total number of cards in circulation (thousand), of which: |
29 358,3 |
41 333,3 |
|
local systems |
3 799,4 |
9 638,1 |
|
international systems, of which: |
25 558,9 |
31 695,3 |
|
Visa International, of which: |
15 283,5 |
19 419,7 |
|
debit |
9 368,2 |
13 270,1 |
|
credit |
5 184,7 |
4 725,5 |
|
Debit cards with credit limit and prepaid |
730,7 |
1 424,1 |
|
MasterCard Worldwide, of which: |
8 715,2 |
10 624,2 |
|
debit |
8 434,2 |
10 237,6 |
|
credit |
205,7 |
250,1 |
|
Debit cards with credit limit and prepaid |
75,3 |
136,4 |
|
Number of card holders (thousand), of which: |
26 022,6 |
34 935,7 |
|
local systems |
3 799,3 |
8 008,4 |
|
international systems, of which: |
22 223,3 |
26 927,3 |
|
Visa International, of which: |
13 177,1 |
15 828,4 |
|
MasterCard Worldwide, of which: |
7 890,0 |
9 702,8 |
|
Number of used cards (thousand), of which: |
16 961,3 |
23 466,7 |
|
local systems |
3 181,8 |
7 459,1 |
|
international systems, of which: |
13 779,5 |
16 007,6 |
|
Visa International, of which: |
7 494,1 |
8 359,2 |
|
debit |
4 485,7 |
6 323,6 |
|
credit |
2 774,8 |
1 398,7 |
|
Debit cards with credit limit and prepaid |
233,7 |
637,0 |
|
MasterCard Worldwide, of which: |
5 434,5 |
6 838,0 |
|
debit |
5 316,8 |
6 718,9 |
|
credit |
89,7 |
74,8 |
|
Debit cards with credit limit and prepaid |
28,0 |
44,3 |
|
Specifications |
As of 01.07.2019 |
As of 01.07.2020 |
|
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 |
|||||||
|
Specifications |
As of 01.08.2020 |
||||||
|
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. |
32 181,2 |
7 591,5 |
1 560,6 |
34 935,7 |
19 955,8 |
2 829,6 |
681,3 |
|
Akmola region |
793,6 |
167,6 |
43,0 |
881,2 |
483,3 |
61,7 |
11,1 |
|
Aktobe region |
1 472,2 |
413,6 |
60,1 |
1 623,4 |
903,0 |
147,7 |
16,2 |
|
Almaty region |
1 856,3 |
360,0 |
80,1 |
2 027,8 |
1 206,0 |
154,9 |
21,1 |
|
Atyrau region |
1 378,5 |
320,0 |
42,9 |
1 445,3 |
826,6 |
115,4 |
9,9 |
|
East Kazakhstan reg. |
1 950,0 |
493,8 |
99,2 |
2 158,3 |
1 181,8 |
165,7 |
20,7 |
|
Jambul region |
1 369,3 |
302,7 |
55,8 |
1 502,1 |
858,3 |
121,6 |
8,0 |
|
West Kazakhstan reg. |
1 026,0 |
278,1 |
36,6 |
1 135,0 |
643,0 |
92,3 |
6,8 |
|
Karaganda region |
2 343,1 |
551,5 |
129,6 |
2 540,2 |
1 498,5 |
204,0 |
60,2 |
|
Kostanai region |
1 143,0 |
276,3 |
42,3 |
1 246,0 |
713,3 |
90,2 |
11,0 |
|
Kyzylorda region |
1 083,1 |
271,4 |
54,0 |
1 187,1 |
643,3 |
119,3 |
17,9 |
|
Mangistau region |
1 291,9 |
319,1 |
36,3 |
1 327,2 |
762,5 |
121,1 |
7,9 |
|
Pavlodar region |
1 222,5 |
312,3 |
53,5 |
1 343,4 |
769,0 |
110,7 |
12,1 |
|
North Kazakhstan reg. |
632,5 |
127,5 |
23,8 |
681,0 |
378,3 |
45,2 |
7,7 |
|
Turkestan reg. and Shimkent city |
3 431,1 |
837,6 |
109,7 |
3 859,1 |
2 136,9 |
359,5 |
22,5 |
|
Almaty city |
8 018,7 |
1 767,6 |
618,7 |
8 632,5 |
4 986,9 |
642,0 |
430,6 |
|
Nur-Sultan city |
3 169,2 |
792,5 |
75,1 |
3 346,3 |
1 965,2 |
278,4 |
17,8 |
|
Table 3 |
||||
|
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 |
||
|
Specifications |
January-July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
579 406,9 |
217 687,8 |
|
local systems |
32 778,2 |
1 113,0 |
|
international systems, of which: |
546 628,7 |
216 574,9 |
|
Visa International |
128 943,6 |
88 326,5 |
|
MasterCard Worldwide |
413 897,5 |
119 416,0 |
|
Volume (mln.tenge), of which; |
6 314 113,0 |
9 190 524,7 |
|
local systems |
476 040,0 |
79 473,4 |
|
international systems, of which: |
5 838 073,0 |
9 111 051,3 |
|
Visa International |
1 969 650,5 |
4 635 250,1 |
|
MasterCard Worldwide |
3 796 183,2 |
4 079 793,3 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
1 287 426,8 |
174 106,7 |
|
local systems |
816 052,4 |
4 634,6 |
|
international systems, of which: |
471 374,5 |
169 472,2 |
|
Visa International |
151 550,9 |
73 118,5 |
|
MasterCard Worldwide |
317 124,3 |
88 767,9 |
|
Volume (mln.tenge), of which; |
15 740 024,3 |
8 895 380,0 |
|
local systems |
10 988 450,4 |
154 243,5 |
|
international systems, of which: |
4 751 573,9 |
8 741 136,5 |
|
Visa International |
2 357 878,1 |
4 504 648,1 |
|
MasterCard Worldwide |
2 359 753,0 |
3 856 565,4 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 255 238,8 |
15 371 664,6 |
176 955,8 |
8 973 671,3 |
|
Akmola region |
19 589,2 |
205 423,5 |
5 614,3 |
237 772,4 |
|
Aktobe region |
54 358,9 |
564 277,6 |
8 781,8 |
383 912,1 |
|
Almaty region |
56 054,8 |
644 828,2 |
11 920,6 |
541 998,0 |
|
Atyrau region |
51 201,8 |
664 662,7 |
7 560,1 |
406 270,1 |
|
East Kazakhstan reg. |
42 576,4 |
484 624,5 |
13 799,1 |
604 630,2 |
|
Jambul region |
36 436,0 |
408 953,9 |
8 822,5 |
392 207,5 |
|
West Kazakhstan reg. |
31 254,6 |
386 695,1 |
6 785,2 |
289 203,4 |
|
Karaganda region |
79 304,4 |
852 359,9 |
14 645,3 |
682 445,3 |
|
Kostanai region |
36 199,7 |
349 832,3 |
7 602,3 |
335 985,7 |
|
Kyzylorda region |
29 677,1 |
332 611,6 |
6 632,7 |
300 514,6 |
|
Mangistau region |
47 562,2 |
564 796,2 |
7 607,7 |
441 266,0 |
|
Pavlodar region |
37 876,4 |
382 961,9 |
8 636,8 |
365 221,9 |
|
North Kazakhstan reg. |
12 546,1 |
144 081,2 |
4 499,3 |
189 568,8 |
|
Turkestan reg. and Shimkent city |
87 456,2 |
1 285 600,0 |
20 630,1 |
1 064 538,3 |
|
Almaty city |
410 248,0 |
5 720 927,6 |
28 361,3 |
1 797 206,2 |
|
Nur-Sultan city |
222 897,1 |
2 379 028,3 |
15 056,7 |
940 930,9 |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 255 238,8 |
15 371 664,6 |
176 955,8 |
8 973 671,3 |
|
POS - terminal |
578 037,1 |
2 948 979,3 |
2 088,5 |
669 002,0 |
|
ATM |
2 294,5 |
88 622,6 |
174 867,2 |
8 304 669,3 |
|
Internet and mobile phone |
674 904,5 |
12 333 883,8 |
0,0 |
0,0 |
|
Payment terminals |
2,7 |
178,9 |
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.
