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.

Table 1

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

 

Table 2

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

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

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

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

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.

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