Version ¹240 от 29/09/2023
As of September 01, 2023 actual origination of the payment cards were realized by 18 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 local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of September 01, 2023, 71.4 million payment cards are in circulation. The most common are debit cards, their share is 80.3%, the share of credit cards is 16.9%. Debit cards with a credit limit and prepaid cards account for 2.7%.
In August 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 14.9 trillion tenge, the number – 1.03 bln transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 27.6% and reached up to 1.0 bln transactions and by 35.3%, reaching 12.9 trillion tenge. The holders of payment cards carried out 21.1 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to August 2022 by 3.6%. At the same time, the volume of cash withdrawal operations increased by 10.3%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.8% of the total number of transactions and 90.6% of the total volume of non-cash payments and money transfers) and POS terminals (18.2% and 9.2% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.5% and 89.3% of the total number and volume of cash withdrawal operations).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-7.
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Table 1 |
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|
Specifications |
As of 01.09.2022 |
As of 01.09.2023 |
|
Total number of cards in circulation (thousand), of which: |
61 777,6 |
71 411,9 |
|
local systems |
20 952,7 |
23 986,5 |
|
international systems, of which: |
40 824,9 |
47 425,4 |
|
Visa International, of which: |
30 962,9 |
36 586,0 |
|
debit |
27 678,6 |
33 803,1 |
|
credit |
1 374,9 |
1 013,5 |
|
Debit cards with credit limit and prepaid |
1 909,4 |
1 769,4 |
|
MasterCard Worldwide, of which: |
8 217,2 |
9 290,5 |
|
debit |
7 856,3 |
8 958,3 |
|
credit |
358,2 |
155,3 |
|
Debit cards with credit limit and prepaid |
2,7 |
176,9 |
|
Number of used cards (thousand), of which: |
31 128,5 |
36 873,5 |
|
local systems |
12 495,6 |
15 149,1 |
|
international systems, of which: |
18 632,9 |
21 724,5 |
|
Visa International, of which: |
14 774,7 |
18 535,5 |
|
debit |
14 080,5 |
17 950,4 |
|
credit |
317,6 |
354,7 |
|
ADebit cards with credit limit and prepaid |
376,7 |
230,4 |
|
MasterCard Worldwide, of which: |
3 228,5 |
2 668,1 |
|
debit |
3 139,5 |
2 565,6 |
|
credit |
88,2 |
41,1 |
|
Debit cards with credit limit and prepaid |
0,8 |
61,4 |
|
Quarterly specifications |
As of 01.07.2022 |
As of 01.07.2023 |
|
Number of POS - terminals (units), of which: |
674 033 |
934 056 |
|
commercial enterprises |
8 248 |
925 887 |
|
banks |
665 785 |
8 169 |
|
Number of ATM (units) , of which: |
12 570 |
12 519 |
|
with cash distribution function |
5 472 |
5 285 |
|
with cash reception and distribution functions |
7 098 |
7 234 |
|
Number of commercial enterprises (units) |
397 313 |
867 772 |
|
Number of users of online bank service(thousand units)[1] |
20 546,75 |
20 656,53 |
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Table 2 |
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|
Specifications |
As of 01.09.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
57 372 |
12 094 |
1 946 |
32 418 |
4 164 |
292 |
|
Akmola region |
1 756 |
400 |
94 |
1 026 |
132 |
14 |
|
Aktobe region |
2 542 |
635 |
112 |
1 448 |
223 |
17 |
|
Almaty region |
3 615 |
912 |
172 |
2 275 |
371 |
20 |
|
Atyrau region |
2 062 |
481 |
95 |
1 180 |
176 |
10 |
|
East Kazakhstan reg. |
2 014 |
447 |
157 |
1 111 |
142 |
22 |
|
Jambul region |
2 673 |
633 |
127 |
1 552 |
209 |
12 |
|
West Kazakhstan reg. |
1 875 |
463 |
79 |
1 081 |
160 |
10 |
|
Karaganda region |
3 306 |
731 |
141 |
1 866 |
251 |
20 |
|
Kostanai region |
2 211 |
456 |
92 |
1 220 |
146 |
17 |
|
Kyzylorda region |
2 078 |
529 |
112 |
1 165 |
183 |
11 |
|
Mangistau region |
2 146 |
516 |
73 |
1 218 |
187 |
9 |
|
Pavlodar region |
2 082 |
464 |
98 |
1 190 |
156 |
18 |
|
North Kazakhstan reg. |
1 350 |
249 |
52 |
735 |
75 |
9 |
|
Turkestan reg. |
3 706 |
923 |
153 |
2 183 |
341 |
16 |
|
Almaty city |
12 819 |
1 710 |
170 |
7 081 |
486 |
45 |
|
Shymkent city |
3 326 |
713 |
55 |
1 654 |
252 |
7 |
|
Astana city |
4 641 |
1 003 |
148 |
2 518 |
401 |
32 |
|
Jetysu reg. |
926 |
342 |
8 |
684 |
107 |
1 |
|
Abay reg. |
1 624 |
346 |
6 |
877 |
114 |
1 |
|
Ulytau reg. |
620 |
142 |
3 |
354 |
51 |
1 |
|
Table 3 |
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|
Specifications |
As of 01.07.2023 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
934 056 |
12 519 |
702 482 |
867 772 |
|
Akmola region |
32 303 |
396 |
23 391 |
29 182 |
|
Aktobe region |
45 185 |
608 |
35 225 |
42 930 |
|
Almaty region |
39 964 |
411 |
37 264 |
42 055 |
|
Atyrau region |
35 640 |
595 |
26 965 |
33 127 |
|
East Kazakhstan reg. |
35 872 |
567 |
23 573 |
30 552 |
|
Jambul region |
35 841 |
543 |
29 747 |
36 268 |
|
West Kazakhstan reg. |
33 166 |
436 |
23 945 |
29 781 |
|
Karaganda region |
59 617 |
909 |
40 631 |
51 582 |
|
Kostanai region |
44 441 |
484 |
27 526 |
38 661 |
|
Kyzylorda region |
24 795 |
403 |
24 942 |
28 921 |
|
Mangistau region |
38 725 |
602 |
30 830 |
39 138 |
|
Pavlodar region |
43 475 |
598 |
26 337 |
36 294 |
|
North Kazakhstan reg. |
20 847 |
344 |
13 271 |
17 636 |
|
Turkestan reg. |
30 682 |
436 |
34 891 |
38 531 |
|
Almaty city |
206 929 |
2 238 |
136 733 |
179 204 |
|
Shimkent city |
47 568 |
781 |
43 418 |
49 596 |
|
Astana city |
121 629 |
1 453 |
91 953 |
107 204 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
5 336 734,76 |
171 191,63 |
|
local systems |
4 534 306,21 |
22 951,80 |
|
international systems, of which: |
802 428,55 |
148 239,83 |
|
Visa International |
596 698,63 |
111 385,39 |
|
MasterCard Worldwide |
154 809,61 |
30 679,55 |
|
Volume (mln.tenge), of which; |
63 109 012,55 |
13 981 362,34 |
|
local systems |
49 328 149,97 |
1 514 833,45 |
|
international systems, of which: |
13 780 862,58 |
12 466 528,89 |
|
Visa International |
8 738 514,92 |
9 227 262,05 |
|
MasterCard Worldwide |
2 760 001,89 |
2 859 515,50 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
7 253 679,61 |
159 333,27 |
|
local systems |
6 192 226,07 |
36 628,41 |
|
international systems, of which: |
1 061 453,54 |
122 704,86 |
|
Visa International |
894 180,89 |
102 431,69 |
|
MasterCard Worldwide |
109 591,63 |
15 672,38 |
|
Volume (mln.tenge), of which; |
88 570 153,34 |
14 729 429,64 |
|
local systems |
69 342 866,70 |
2 805 110,88 |
|
international systems, of which: |
19 227 286,64 |
11 924 318,76 |
|
Visa International |
13 818 711,22 |
9 641 108,84 |
|
MasterCard Worldwide |
3 222 128,94 |
1 949 448,65 |
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-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
7 257 339,7 |
88 957 985,7 |
161 030,7 |
14 675 097,1 |
|
Akmola region |
105 799,7 |
996 682,4 |
5 626,8 |
384 330,1 |
|
Aktobe region |
239 008,4 |
2 535 511,0 |
7 644,3 |
574 189,3 |
|
Almaty region |
219 344,4 |
2 560 284,8 |
7 006,5 |
568 701,5 |
|
Atyrau region |
222 176,9 |
2 653 170,6 |
5 544,6 |
512 362,7 |
|
East Kazakhstan reg. |
135 262,0 |
1 473 559,7 |
7 846,0 |
585 107,7 |
|
Jambul region |
200 382,0 |
2 187 242,9 |
7 953,0 |
604 347,0 |
|
West Kazakhstan reg. |
164 456,7 |
1 702 737,3 |
5 655,4 |
417 452,0 |
|
Karaganda region |
270 924,9 |
3 126 930,4 |
12 069,5 |
916 859,8 |
|
Kostanai region |
153 135,3 |
1 520 713,7 |
6 785,0 |
508 643,2 |
|
Kyzylorda region |
157 568,2 |
1 751 486,0 |
5 402,8 |
417 146,7 |
|
Mangistau region |
213 299,2 |
2 624 300,6 |
5 736,2 |
561 259,6 |
|
Pavlodar region |
165 415,8 |
1 631 559,3 |
7 966,2 |
553 186,4 |
|
North Kazakhstan reg. |
66 429,3 |
642 084,1 |
4 394,5 |
290 215,1 |
|
Turkestan reg. |
165 625,9 |
2 055 322,8 |
5 642,5 |
484 111,3 |
|
Almaty city |
3 390 256,4 |
44 250 423,0 |
32 634,1 |
4 151 104,0 |
|
Astana city |
736 895,4 |
9 454 293,1 |
14 258,5 |
1 542 041,0 |
|
Shimkent city |
418 696,1 |
5 547 009,3 |
10 908,6 |
1 077 178,7 |
|
Jetysu reg. |
87 382,9 |
858 832,7 |
2 432,3 |
152 064,4 |
|
Abay reg. |
100 818,9 |
912 580,5 |
3 984,6 |
252 147,5 |
|
Ulytau reg. |
44 461,2 |
473 261,5 |
1 539,4 |
122 649,2 |
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-August 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
7 257 338,3 |
88 957 905,2 |
159 839,1 |
14 593 607,6 |
|
POS - terminal |
1 781 944,9 |
10 891 551,2 |
2 392,2 |
1 383 869,4 |
|
ATM |
410,3 |
49 177,6 |
157 446,9 |
13 209 738,2 |
|
Internet and mobile phone |
4 654 979,7 |
73 656 217,6 |
|
|
|
Payment terminals |
178,5 |
10 874,7 |
|
|
|
QR-code |
819 824,9 |
4 350 084,1 |
|
|
Use of the payment cards issued by Kazakhstan banks outside of Republic of Kazakhstan in the context of the operation environment
|
Table 7 |
||||
|
Specifications |
January-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
58 322,0 |
1 005 661,2 |
2 259,1 |
148 853,9 |
|
POS - terminal |
24 059,6 |
537 360,6 |
39,7 |
6 896,5 |
|
ATM |
8,7 |
575,7 |
2 219,3 |
141 957,4 |
|
Internet and mobile phone |
34 008,8 |
455 855,6 |
|
|
|
others |
244,8 |
11 869,4 |
|
|
|
2023 |
||||
|
Total, incl. |
102 597,1 |
1 674 762,4 |
3 114,7 |
267 134,7 |
|
POS - terminal |
37 013,5 |
831 890,9 |
27,0 |
10 159,4 |
|
ATM |
478,0 |
16 245,8 |
3 087,7 |
256 981,5 |
|
Internet and mobile phone |
64 739,3 |
814 683,2 |
|
|
|
others |
366,4 |
11 942,5 |
|
|
[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.