Version ¹233 от 27/02/2023
As of February 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 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 February 01, 2023, 65.9 million payment cards are in circulation. The most common are debit cards, their share is 78.9%, the share of credit cards is 17.9%. Debit cards with a credit limit and prepaid cards account for 3.2%.
In January 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 10.3 trillion tenge, the number – 759.3 million transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 69.2% and reached up to 742.0 million transactions and by 63.4%, reaching 8.8 trillion tenge. The holders of payment cards carried out 17.3 million cash withdrawal operations in the amount of 1.5 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to January 2022 by 3.9%. At the same time, the volume of cash withdrawal operations increased by 16.3%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (63.1% of the total number of transactions and 80.9% of the total volume of non-cash payments and money transfers) and POS terminals (36.8% and 18.8% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.7% and 90.9% 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 01.02.2022 |
As of 01.02.2023 |
|
Total number of cards in circulation (thousand), of which: |
57 891,2 |
65 899,5 |
|
local systems |
18 965,6 |
22 422,1 |
|
international systems, of which: |
38 925,6 |
43 477,3 |
|
Visa International, of which: |
28 383,0 |
33 734,4 |
|
debit |
23 436,2 |
30 495,8 |
|
credit |
3 199,3 |
1 159,1 |
|
Debit cards with credit limit and prepaid |
1 747,4 |
2 079,4 |
|
MasterCard Worldwide, of which: |
8 886,1 |
8 135,8 |
|
debit |
8 584,6 |
7 797,8 |
|
credit |
297,2 |
329,5 |
|
Debit cards with credit limit and prepaid |
4,3 |
8,5 |
|
Number of used cards (thousand), of which: |
27 737,9 |
32 368,5 |
|
local systems |
10 510,3 |
13 184,2 |
|
international systems, of which: |
17 227,6 |
19 184,4 |
|
Visa International, of which: |
12 117,6 |
16 305,9 |
|
debit |
11 515,3 |
15 516,2 |
|
credit |
337,8 |
369,9 |
|
ADebit cards with credit limit and prepaid |
264,5 |
419,8 |
|
MasterCard Worldwide, of which: |
4 420,8 |
2 316,7 |
|
debit |
4 347,1 |
2 245,7 |
|
credit |
72,4 |
68,6 |
|
Debit cards with credit limit and prepaid |
1,3 |
2,4 |
|
Quarterly specifications |
As of 01.01.2022 |
As of 01.01.2023 |
|
Number of POS - terminals (units), of which: |
509 194 |
831 780 |
|
commercial enterprises |
500 684 |
815 501 |
|
banks |
8 510 |
16 279 |
|
Number of ATM (units) , of which: |
12 443 |
12 391 |
|
with cash distribution function |
6 195 |
5 378 |
|
with cash reception and distribution functions |
6 248 |
7 013 |
|
Number of commercial enterprises (units) |
273 947 |
567 687 |
|
Number of users of online bank service(thousand units)[1] |
19 288,87 |
22 912,09 |
|
Table 2 |
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|
Specifications |
As of 01.02.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
51 988 |
11 824 |
2 088 |
28 147 |
3 799 |
422 |
|
Akmola region |
1 172 |
183 |
84 |
559 |
42 |
11 |
|
Aktobe region |
1 995 |
396 |
118 |
969 |
107 |
21 |
|
Almaty region |
2 627 |
297 |
157 |
1 310 |
77 |
17 |
|
Atyrau region |
1 757 |
314 |
99 |
884 |
86 |
14 |
|
East Kazakhstan reg. |
2 782 |
509 |
163 |
1 308 |
123 |
25 |
|
Jambul region |
1 908 |
316 |
114 |
911 |
77 |
9 |
|
West Kazakhstan reg. |
1 459 |
278 |
75 |
714 |
72 |
11 |
|
Karaganda region |
3 169 |
548 |
217 |
1 541 |
143 |
75 |
|
Kostanai region |
1 763 |
279 |
79 |
836 |
64 |
11 |
|
Kyzylorda region |
1 536 |
279 |
97 |
682 |
73 |
8 |
|
Mangistau region |
1 750 |
289 |
78 |
836 |
83 |
13 |
|
Pavlodar region |
1 655 |
308 |
103 |
830 |
74 |
20 |
|
North Kazakhstan reg. |
992 |
138 |
44 |
461 |
29 |
6 |
|
Turkestan reg. |
2 131 |
85 |
125 |
885 |
23 |
11 |
|
Almaty city |
18 114 |
6 080 |
311 |
11 872 |
2 285 |
121 |
|
Nur-Sultan city |
2 971 |
801 |
70 |
1 382 |
212 |
14 |
|
Shymkent city |
4 206 |
721 |
154 |
2 168 |
229 |
35 |
|
Table 3 |
||||
|
Specifications |
As of 01.01.2023 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
831 780 |
12 391 |
567 687 |
778 988 |
|
Akmola region |
27 894 |
400 |
18 678 |
25 736 |
|
Aktobe region |
41 532 |
606 |
28 992 |
39 319 |
|
Almaty region |
45 116 |
539 |
50 514 |
46 711 |
|
Atyrau region |
32 410 |
592 |
21 996 |
30 475 |
|
East Kazakhstan reg. |
47 990 |
940 |
31 597 |
42 935 |
|
Jambul region |
28 736 |
518 |
23 432 |
27 967 |
|
West Kazakhstan reg. |
30 109 |
453 |
19 564 |
27 160 |
|
Karaganda region |
61 467 |
1 070 |
39 600 |
54 320 |
|
Kostanai region |
39 344 |
480 |
23 153 |
34 836 |
|
Kyzylorda region |
21 756 |
407 |
20 054 |
23 077 |
|
Mangistau region |
37 241 |
600 |
25 011 |
35 751 |
|
Pavlodar region |
39 105 |
587 |
22 155 |
33 631 |
|
North Kazakhstan reg. |
18 340 |
338 |
10 671 |
15 947 |
|
Turkestan reg. and Shimkent city |
21 222 |
429 |
27 296 |
23 271 |
|
Almaty city |
180 764 |
2 261 |
98 114 |
167 188 |
|
Nur-Sultan city |
47 285 |
748 |
34 134 |
49 546 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January |
|
|
Cashless payments |
Cash withdrawals |
|
|
2022 |
||
|
Number of transactions (thousand) of which; |
438 469,34 |
17 958,34 |
|
local systems |
362 523,16 |
1 519,90 |
|
international systems, of which: |
75 946,18 |
16 438,44 |
|
Visa International |
55 836,68 |
11 678,04 |
|
MasterCard Worldwide |
19 348,65 |
4 000,03 |
|
Volume (mln.tenge), of which; |
5 384 410,02 |
1 280 612,08 |
|
local systems |
4 239 853,74 |
88 571,63 |
|
international systems, of which: |
1 144 556,28 |
1 192 040,44 |
|
Visa International |
851 918,38 |
840 845,75 |
|
MasterCard Worldwide |
280 173,82 |
305 362,06 |
|
2023 |
||
|
Number of transactions (thousand) of which; |
742 015,63 |
17 261,36 |
|
local systems |
622 709,58 |
3 490,88 |
|
international systems, of which: |
119 306,04 |
13 770,48 |
|
Visa International |
92 578,69 |
11 399,71 |
|
MasterCard Worldwide |
12 175,41 |
1 791,50 |
|
Volume (mln.tenge), of which; |
8 800 306,36 |
1 489 103,56 |
|
local systems |
6 616 321,94 |
249 194,71 |
|
international systems, of which: |
2 183 984,42 |
1 239 908,85 |
|
Visa International |
1 250 624,64 |
993 396,58 |
|
MasterCard Worldwide |
336 276,17 |
206 113,02 |
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 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
739 182,0 |
8 762 176,1 |
17 874,6 |
1 506 838,2 |
|
Akmola region |
10 676,5 |
111 204,0 |
588,4 |
37 542,5 |
|
Aktobe region |
24 762,1 |
276 286,7 |
827,9 |
61 293,4 |
|
Almaty region |
27 962,8 |
322 201,6 |
1 240,9 |
86 756,6 |
|
Atyrau region |
23 876,6 |
312 239,9 |
644,7 |
55 264,5 |
|
East Kazakhstan reg. |
24 690,5 |
265 415,3 |
1 322,9 |
89 481,3 |
|
Jambul region |
19 808,9 |
225 448,4 |
865,8 |
60 958,4 |
|
West Kazakhstan reg. |
16 873,2 |
182 346,4 |
605,4 |
44 612,8 |
|
Karaganda region |
32 695,6 |
391 957,1 |
1 468,8 |
107 591,8 |
|
Kostanai region |
16 393,8 |
166 161,3 |
754,4 |
53 201,3 |
|
Kyzylorda region |
16 358,0 |
190 147,0 |
601,3 |
42 320,6 |
|
Mangistau region |
23 576,6 |
330 569,1 |
681,1 |
65 616,7 |
|
Pavlodar region |
17 388,1 |
179 802,0 |
846,0 |
56 107,8 |
|
North Kazakhstan reg. |
7 218,0 |
74 734,8 |
486,2 |
30 229,1 |
|
Turkestan reg. |
14 813,9 |
204 926,2 |
768,0 |
61 893,1 |
|
Almaty city |
341 340,2 |
3 969 789,1 |
3 651,9 |
396 123,8 |
|
Nur-Sultan city |
79 401,9 |
1 020 464,7 |
1 543,4 |
166 819,4 |
|
Shimkent city |
41 345,3 |
538 482,4 |
977,5 |
91 024,9 |
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 |
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|
Specifications |
January 2023 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
739 182,0 |
8 762 176,1 |
17 874,6 |
1 506 838,2 |
|
POS - terminal |
285 881,5 |
1 636 614,6 |
223,0 |
135 246,6 |
|
ATM |
66,1 |
9 393,6 |
17 651,7 |
1 371 591,6 |
|
Internet and mobile phone |
453 234,3 |
7 116 157,0 |
- |
- |
|
Payment terminals |
0,1 |
10,8 |
- |
- |
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 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2022 |
||||
|
Total, incl. |
8 011,1 |
82 207,4 |
316,3 |
19 655,0 |
|
POS - terminal |
3 302,5 |
45 040,5 |
21,88 |
1 422,93 |
|
ATM |
0,8 |
51,0 |
294,46 |
18 232,07 |
|
Internet and mobile phone |
4 689,5 |
36 891,2 |
- |
- |
|
others |
18,4 |
224,7 |
- |
- |
|
2023 |
||||
|
Total, incl. |
10 230,1 |
195 307,5 |
344,7 |
27 331,6 |
|
POS - terminal |
4 806,7 |
113 081,3 |
3,5 |
1 098,9 |
|
ATM |
2,0 |
188,7 |
341,2 |
26 232,6 |
|
Internet and mobile phone |
5 321,8 |
79 480,9 |
- |
- |
|
others |
99,5 |
2 556,5 |
- |
- |
[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.