Version ¹246 от 28/03/2024
As of March 01, 2024 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 March 01, 2024, 75.5 million payment cards are in circulation. The most common are debit cards, their share is 80.9%, the share of credit cards is 16.3%. Debit cards with a credit limit and prepaid cards account for 2.9%.
In February 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 12.9 trillion tenge, the number – 906.6 mln transactions. At the same time, over the same period of 2023, the number of non-cash transactions increased by 14.6% and reached up to 887.2 mln transactions and by 19.3%, reaching 11.0 trillion tenge. The holders of payment cards carried out 19.4 million cash withdrawal operations in the amount of 1.9 trillion tenge. There is an increase in the number of cash withdrawal operations compared to February 2023 by 5.7%. 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 (79.4% of the total number of transactions and 88.9% of the total volume of non-cash payments and money transfers) and POS terminals (20.5% and 10.8% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.3% and 87.1% 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 |
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|
Specifications |
As of 01.03.2023 |
As of 01.03.2024 |
|
Total number of cards in circulation (thousand), of which: |
66 495,4 |
75 470,4 |
|
local systems |
22 655,4 |
25 201,6 |
|
international systems, of which: |
43 840,0 |
50 268,8 |
|
Visa International, of which: |
33 935,1 |
37 738,0 |
|
debit |
30 685,6 |
35 035,9 |
|
credit |
1 137,9 |
717,4 |
|
Debit cards with credit limit and prepaid |
2 111,6 |
1 984,7 |
|
MasterCard Worldwide, of which: |
8 306,3 |
11 105,2 |
|
debit |
7 970,4 |
10 774,8 |
|
credit |
327,5 |
159,4 |
|
Debit cards with credit limit and prepaid |
8,4 |
170,9 |
|
Number of used cards (thousand), of which: |
33 111,0 |
38 532,3 |
|
local systems |
13 303,6 |
15 961,0 |
|
international systems, of which: |
19 807,4 |
22 571,3 |
|
Visa International, of which: |
16 657,0 |
19 159,7 |
|
debit |
15 843,3 |
18 615,0 |
|
credit |
362,9 |
279,4 |
|
ADebit cards with credit limit and prepaid |
450,8 |
265,4 |
|
MasterCard Worldwide, of which: |
2 596,6 |
2 949,1 |
|
debit |
2 526,1 |
2 871,4 |
|
credit |
68,2 |
46,6 |
|
Debit cards with credit limit and prepaid |
2,3 |
31,1 |
|
Quarterly specifications |
01.01.2023 |
01.01.2024 |
|
Number of POS - terminals (units), of which: |
831 780 |
1 041 884 |
|
commercial enterprises |
815 501 |
1 033 770 |
|
banks |
16 279 |
8 114 |
|
Number of ATM (units) , of which: |
12 391 |
12 649 |
|
with cash distribution function |
5 378 |
4 982 |
|
with cash reception and distribution functions |
7 013 |
7 667 |
|
Number of commercial enterprises (units) |
567 687 |
793 065 |
|
Number of users of online bank service(thousand units)[1] |
22 912,09 |
22 019,81 |
|
Table 2 |
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|
Specifications |
As of 01.03.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
61 045,3 |
12 269,5 |
2 155,6 |
33 760,6 |
4 475,2 |
296,5 |
|
Akmola region |
1 838,8 |
414,4 |
101,0 |
1 055,1 |
146,6 |
14,9 |
|
Aktobe region |
2 612,7 |
635,9 |
121,5 |
1 468,9 |
234,5 |
15,9 |
|
Almaty region |
2 854,3 |
1 060,0 |
194,5 |
2 015,9 |
403,2 |
23,0 |
|
Atyrau region |
2 140,2 |
483,3 |
102,9 |
1 199,4 |
184,3 |
10,2 |
|
East Kazakhstan reg. |
2 060,5 |
453,5 |
166,0 |
1 125,0 |
152,2 |
21,0 |
|
Jambul region |
2 813,6 |
650,0 |
141,3 |
1 590,4 |
230,5 |
12,9 |
|
West Kazakhstan reg. |
1 944,7 |
468,0 |
87,1 |
1 094,0 |
165,9 |
10,5 |
|
Karaganda region |
3 427,4 |
736,5 |
151,2 |
1 912,1 |
267,6 |
20,2 |
|
Kostanai region |
2 290,7 |
466,2 |
98,5 |
1 251,2 |
159,2 |
16,4 |
|
Kyzylorda region |
2 164,3 |
535,0 |
123,3 |
1 186,7 |
195,4 |
10,7 |
|
Mangistau region |
2 222,1 |
520,1 |
78,8 |
1 253,4 |
202,7 |
8,8 |
|
Pavlodar region |
2 178,3 |
469,4 |
104,5 |
1 221,4 |
166,0 |
16,6 |
|
North Kazakhstan reg. |
1 413,9 |
260,0 |
57,2 |
760,9 |
83,8 |
9,0 |
|
Turkestan reg. |
4 033,9 |
1 141,2 |
179,0 |
2 415,4 |
375,1 |
18,8 |
|
Almaty city |
14 243,4 |
1 391,2 |
192,9 |
7 533,4 |
514,0 |
42,4 |
|
Shymkent city |
3 501,2 |
716,9 |
62,7 |
1 731,3 |
267,9 |
7,4 |
|
Astana city |
4 945,3 |
1 000,9 |
167,1 |
2 621,6 |
422,9 |
34,4 |
|
Jetysu reg. |
2 007,4 |
367,5 |
11,6 |
1 050,5 |
127,0 |
1,5 |
|
Abay reg. |
1 725,8 |
355,2 |
10,2 |
918,8 |
123,1 |
1,3 |
|
Ulytau reg. |
626,8 |
144,2 |
4,4 |
355,1 |
53,3 |
0,7 |
|
Table 3 |
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|
Specifications |
As of 01.01.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 041 884 |
12 649 |
793 065 |
932 062 |
|
Akmola region |
34 752 |
407 |
28 522 |
34 874 |
|
Aktobe region |
46 039 |
630 |
38 870 |
45 522 |
|
Almaty region |
42 827 |
305 |
41 203 |
44 461 |
|
Atyrau region |
37 671 |
594 |
30 191 |
36 256 |
|
East Kazakhstan reg. |
35 268 |
582 |
27 503 |
33 927 |
|
Jambul region |
39 418 |
542 |
33 541 |
39 280 |
|
West Kazakhstan reg. |
32 080 |
450 |
26 831 |
31 730 |
|
Karaganda region |
58 277 |
909 |
46 326 |
56 365 |
|
Kostanai region |
43 886 |
503 |
32 282 |
42 969 |
|
Kyzylorda region |
28 347 |
400 |
26 539 |
30 442 |
|
Mangistau region |
41 514 |
610 |
33 539 |
40 646 |
|
Pavlodar region |
42 144 |
615 |
30 214 |
40 154 |
|
North Kazakhstan reg. |
20 645 |
348 |
16 293 |
20 565 |
|
Turkestan reg. |
38 971 |
432 |
37 349 |
39 677 |
|
Almaty city |
255 548 |
2 280 |
152 417 |
181 800 |
|
Shimkent city |
77 693 |
760 |
47 676 |
52 075 |
|
Astana city |
122 347 |
1 442 |
104 137 |
115 069 |
|
Jetysu reg. |
16 385 |
287 |
15 116 |
17 400 |
|
Abay reg. |
19 488 |
367 |
18 060 |
20 042 |
|
Ulytau reg. |
8 584 |
186 |
6 456 |
8 808 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-February |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
1 516 050,73 |
35 604,45 |
|
local systems |
1 275 691,05 |
7 294,37 |
|
international systems, of which: |
240 359,68 |
28 310,08 |
|
Visa International |
184 257,59 |
23 424,58 |
|
MasterCard Worldwide |
24 599,65 |
3 733,53 |
|
Volume (mln.tenge), of which; |
18 060 961,83 |
3 110 209,38 |
|
local systems |
13 555 724,89 |
524 743,84 |
|
international systems, of which: |
4 505 236,94 |
2 585 465,54 |
|
Visa International |
2 543 959,58 |
2 069 039,66 |
|
MasterCard Worldwide |
700 959,96 |
435 235,65 |
|
2024 |
||
|
Number of transactions (thousand) of which; |
1 729 899,71 |
39 052,21 |
|
local systems |
1 438 369,04 |
11 811,18 |
|
international systems, of which: |
291 530,66 |
27 241,03 |
|
Visa International |
254 844,80 |
22 992,49 |
|
MasterCard Worldwide |
34 509,30 |
3 303,25 |
|
Volume (mln.tenge), of which; |
21 128 994,76 |
3 704 948,40 |
|
local systems |
16 133 537,89 |
861 263,77 |
|
international systems, of which: |
4 995 456,87 |
2 843 684,63 |
|
Visa International |
3 950 168,16 |
2 324 136,11 |
|
MasterCard Worldwide |
994 600,34 |
442 300,92 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-February 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 721 391,3 |
21 134 483,1 |
38 575,2 |
3 653 749,7 |
|
Akmola region |
29 201,44 |
232 594,79 |
1 165,29 |
83 693,02 |
|
Aktobe region |
60 329,15 |
562 190,82 |
1 871,95 |
139 411,46 |
|
Almaty region |
54 480,83 |
539 447,42 |
778,36 |
76 190,37 |
|
Atyrau region |
54 869,71 |
560 045,78 |
1 343,85 |
125 020,88 |
|
East Kazakhstan reg. |
35 308,69 |
331 315,57 |
1 531,32 |
120 349,59 |
|
Jambul region |
54 277,86 |
508 231,30 |
2 064,87 |
154 138,07 |
|
West Kazakhstan reg. |
41 004,68 |
384 064,31 |
1 248,62 |
92 588,13 |
|
Karaganda region |
63 678,15 |
686 119,23 |
2 685,40 |
208 286,45 |
|
Kostanai region |
37 965,25 |
356 832,57 |
1 507,08 |
118 664,95 |
|
Kyzylorda region |
42 418,06 |
383 326,75 |
1 428,75 |
106 442,81 |
|
Mangistau region |
56 017,32 |
572 528,58 |
1 399,82 |
143 248,35 |
|
Pavlodar region |
40 500,75 |
369 529,50 |
1 784,25 |
129 561,26 |
|
North Kazakhstan reg. |
17 029,87 |
147 354,37 |
945,33 |
66 424,11 |
|
Turkestan reg. |
57 925,05 |
526 221,18 |
1 150,22 |
102 272,37 |
|
Almaty city |
724 565,79 |
10 947 568,96 |
8 125,02 |
1 098 577,15 |
|
Astana city |
173 583,98 |
2 136 530,97 |
3 343,56 |
382 871,68 |
|
Shimkent city |
105 591,17 |
1 251 875,55 |
3 152,70 |
297 931,53 |
|
Jetysu reg. |
34 125,30 |
291 550,21 |
1 289,23 |
83 155,49 |
|
Abay reg. |
26 968,22 |
230 680,02 |
1 265,07 |
82 506,90 |
|
Ulytau reg. |
11 550,07 |
116 475,18 |
494,52 |
42 415,12 |
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-February 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 721 391,3 |
21 134 483,1 |
38 575,2 |
3 653 749,7 |
|
POS - terminal |
367 260,2 |
2 297 917,1 |
556,0 |
443 832,0 |
|
ATM |
66,1 |
9 418,0 |
37 946,4 |
3 187 712,9 |
|
Internet and mobile phone |
937 852,5 |
16 701 588,6 |
- |
- |
|
Payment terminals |
118,4 |
6 581,9 |
72,8 |
22 204,9 |
|
QR-code |
416 094,1 |
2 118 977,5 |
- |
- |
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-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
20 419,9 |
374 043,1 |
665,1 |
56 458,3 |
|
POS - terminal |
9 018,6 |
206 777,9 |
7,0 |
2 258,9 |
|
ATM |
4,3 |
307,8 |
658,1 |
54 199,4 |
|
Internet and mobile phone |
11 200,6 |
161 239,3 |
- |
- |
|
others |
196,5 |
5 718,1 |
- |
- |
|
2024 |
||||
|
Total, incl. |
29 155,7 |
487 194,8 |
835,6 |
67 513,1 |
|
POS - terminal |
9 372,1 |
216 163,4 |
5,3 |
2 266,4 |
|
ATM |
12,8 |
659,8 |
829,4 |
64 699,1 |
|
Internet and mobile phone |
19 401,5 |
251 782,2 |
0,0 |
0,0 |
|
others |
369,4 |
18 589,4 |
1,0 |
547,6 |
[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.
