Version ¹273 от 30/06/2026
As of June 01, 2026 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, MasterCard Worldwide, and others, as well as payment cards of the local system Kaspi.kz.
As of June 01, 2026, 83.9 million payment cards are in circulation. The most common are debit cards, their share is 81.4%, the share of credit cards is 15.7%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In May 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 18.4 trillion tenge, the number – 1.3 bln transactions. At the same time, compared to the same period of 2025, the number of non-cash transactions increased by 3.0% and reached up to 1.3 bln transactions, the volume increased by 2.9%, amounting to 16.2 trillion tenge. The holders of payment cards carried out 19.2 million cash withdrawal operations in the amount of 2.2 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to May 2025 by 7.4%, and of the volume of cash withdrawal operations by 7.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.1% of the total number of transactions and 90.3% of the total volume of non-cash payments and money transfers) and POS terminals (19.4% 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 (98.4% and 89.8% 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 |
01.06.2025 |
01.06.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 237,9 |
83 921,9 |
|
local systems |
27 269,2 |
28 284,7 |
|
international systems, of which: |
53 968,7 |
55 637,1 |
|
Visa International, of which: |
37 898,8 |
40 621,7 |
|
debit |
34 930,0 |
37 725,0 |
|
credit |
646,2 |
615,4 |
|
Debit cards with credit limit and prepaid |
2 322,6 |
2 281,3 |
|
MasterCard Worldwide, of which: |
15 026,4 |
14 119,1 |
|
debit |
14 311,4 |
13 561,4 |
|
credit |
117,1 |
478,0 |
|
Debit cards with credit limit and prepaid |
597,8 |
79,6 |
|
UnionPay International, of which: |
909,3 |
755,5 |
|
debit |
909,3 |
755,4 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
41 339,2 |
42 252,6 |
|
local systems |
17 040,5 |
17 422,6 |
|
international systems, of which: |
24 298,7 |
24 830,1 |
|
Visa International, of which: |
20 237,1 |
21 089,3 |
|
debit |
19 624,0 |
20 550,8 |
|
credit |
284,1 |
187,5 |
|
Debit cards with credit limit and prepaid |
329,0 |
351,0 |
|
MasterCard Worldwide, of which: |
3 581,0 |
3 390,1 |
|
debit |
3 461,5 |
3 270,9 |
|
credit |
31,3 |
102,9 |
|
Debit cards with credit limit and prepaid |
88,3 |
16,3 |
|
UnionPay International, of which: |
435,0 |
307,5 |
|
debit |
435,0 |
307,5 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.04.2025 |
01.04.2026 |
|
Number of POS - terminals (units), of which: |
1 365 693 |
1 326 400 |
|
commercial enterprises |
1 358 450 |
1 319 302 |
|
banks |
7 243 |
7 098 |
|
Number of ATM (units) , of which: |
12 425 |
13 187 |
|
with cash distribution function |
3 449 |
2 848 |
|
with cash reception and distribution functions |
8 976 |
10 339 |
|
Number of commercial enterprises (units) |
913 062 |
959 497 |
|
Number of users of online bank service(thousand units) |
26 675,4 |
29 194,8 |
|
Table 2 |
||||||
|
Specifications |
As of 01.06.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 296,3 |
13 135,5 |
2 490,1 |
37 612,9 |
4 223,5 |
416,2 |
|
Akmola region |
2 043,3 |
458,7 |
108,4 |
1 184,3 |
147,3 |
19,6 |
|
Aktobe region |
2 987,4 |
676,4 |
128,8 |
1 630,8 |
220,2 |
20,5 |
|
Almaty region |
3 341,2 |
1 116,1 |
238,0 |
2 263,5 |
371,6 |
38,0 |
|
Atyrau region |
2 341,4 |
503,9 |
95,4 |
1 298,6 |
170,1 |
12,5 |
|
East Kazakhstan reg. |
2 124,5 |
486,2 |
157,6 |
1 185,0 |
151,5 |
26,6 |
|
Jambul region |
3 110,4 |
701,4 |
152,5 |
1 712,3 |
214,0 |
16,4 |
|
West Kazakhstan reg. |
2 194,2 |
491,5 |
94,4 |
1 180,4 |
158,1 |
14,5 |
|
Karaganda region |
3 710,9 |
781,7 |
154,6 |
2 090,5 |
249,9 |
29,0 |
|
Kostanai region |
2 479,5 |
507,8 |
105,0 |
1 397,8 |
163,6 |
21,1 |
|
Kyzylorda region |
2 557,2 |
554,0 |
126,8 |
1 305,2 |
172,9 |
12,3 |
|
Mangistau region |
2 463,2 |
547,2 |
84,5 |
1 392,2 |
191,8 |
11,5 |
|
Pavlodar region |
2 356,8 |
496,6 |
105,5 |
1 343,2 |
160,6 |
21,2 |
|
North Kazakhstan reg. |
1 536,1 |
287,3 |
62,0 |
851,5 |
83,9 |
11,9 |
|
Turkestan reg. |
3 816,5 |
1 211,1 |
228,4 |
2 577,0 |
346,2 |
24,9 |
|
Almaty city |
15 775,1 |
1 508,8 |
269,3 |
8 590,2 |
483,5 |
63,8 |
|
Shymkent city |
4 972,4 |
800,4 |
77,3 |
1 996,8 |
254,1 |
10,4 |
|
Astana city |
5 865,3 |
1 079,6 |
224,5 |
3 057,8 |
393,7 |
50,4 |
|
Jetysu reg. |
2 111,2 |
392,1 |
31,2 |
1 132,4 |
119,8 |
3,8 |
|
Abay reg. |
1 930,8 |
384,3 |
32,2 |
1 040,5 |
121,5 |
5,3 |
|
Ulytau reg. |
579,0 |
150,1 |
13,6 |
382,9 |
49,4 |
2,3 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 326 400 |
13 187 |
959 497 |
1 208 266 |
|
Akmola region |
51 130 |
416 |
34 908 |
46 300 |
|
Aktobe region |
59 942 |
654 |
44 957 |
55 482 |
|
Almaty region |
69 146 |
328 |
60 944 |
64 006 |
|
Atyrau region |
51 110 |
584 |
36 070 |
47 423 |
|
East Kazakhstan reg. |
44 396 |
621 |
31 562 |
40 034 |
|
Jambul region |
55 964 |
597 |
43 384 |
51 708 |
|
West Kazakhstan reg. |
41 142 |
486 |
31 204 |
37 862 |
|
Karaganda region |
73 885 |
968 |
54 477 |
66 857 |
|
Kostanai region |
57 906 |
530 |
39 111 |
52 494 |
|
Kyzylorda region |
35 896 |
419 |
29 150 |
33 477 |
|
Mangistau region |
44 963 |
609 |
36 024 |
41 981 |
|
Pavlodar region |
52 260 |
631 |
34 247 |
47 315 |
|
North Kazakhstan reg. |
28 680 |
370 |
19 005 |
25 913 |
|
Turkestan reg. |
55 043 |
395 |
47 929 |
51 523 |
|
Almaty city |
300 709 |
2 325 |
184 011 |
268 198 |
|
Shimkent city |
72 562 |
849 |
58 069 |
66 996 |
|
Astana city |
162 973 |
1 475 |
119 581 |
147 357 |
|
Jetysu reg. |
26 850 |
329 |
22 317 |
24 744 |
|
Abay reg. |
30 054 |
394 |
23 771 |
27 573 |
|
Ulytau reg. |
11 789 |
207 |
8 776 |
11 023 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
5 534 095,0 |
96 580,0 |
|
local systems |
4 605 452,4 |
33 460,1 |
|
international systems, of which: |
928 642,6 |
63 120,0 |
|
Visa International |
779 427,3 |
52 135,8 |
|
MasterCard Worldwide |
140 426,3 |
8 513,5 |
|
UnionPay International |
7 442,2 |
2 403,6 |
|
Volume (mln.tenge), of which; |
72 499 817,3 |
10 711 340,2 |
|
local systems |
54 698 458,4 |
2 888 071,7 |
|
international systems, of which: |
17 801 358,9 |
7 823 268,5 |
|
Visa International |
13 821 793,2 |
6 430 131,1 |
|
MasterCard Worldwide |
3 796 555,0 |
1 175 269,6 |
|
UnionPay International |
145 895,2 |
209 569,1 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
5 792 660,5 |
90 886,6 |
|
local systems |
4 807 580,62 |
34 855,71 |
|
international systems, of which: |
985 079,83 |
56 030,94 |
|
Visa International |
816 595,04 |
47 762,32 |
|
MasterCard Worldwide |
160 611,39 |
6 573,10 |
|
UnionPay International |
6 541,53 |
1 617,04 |
|
Volume (mln.tenge), of which; |
74 690 400,4 |
10 258 509,6 |
|
local systems |
55 763 876,1 |
3 155 066,8 |
|
international systems, of which: |
18 926 524,3 |
7 103 442,9 |
|
Visa International |
14 665 207,1 |
6 009 579,2 |
|
MasterCard Worldwide |
4 089 456,1 |
926 064,7 |
|
UnionPay International |
134 876,9 |
156 826,2 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-May 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 687 607,3 |
73 517 291,8 |
96 359,0 |
10 413 161,3 |
|
Akmola region |
111 997,86 |
1 147 753,53 |
2 615,17 |
231 360,00 |
|
Aktobe region |
200 349,94 |
1 855 311,48 |
4 379,98 |
367 608,19 |
|
Almaty region |
214 195,62 |
2 365 695,59 |
1 637,57 |
197 050,85 |
|
Atyrau region |
174 564,70 |
1 751 142,00 |
2 924,49 |
286 745,07 |
|
East Kazakhstan reg. |
114 357,67 |
1 151 083,13 |
3 277,13 |
310 285,56 |
|
Jambul region |
208 103,34 |
2 010 728,07 |
4 853,29 |
423 372,22 |
|
West Kazakhstan reg. |
133 013,91 |
1 233 927,84 |
2 802,49 |
228 188,23 |
|
Karaganda region |
211 464,78 |
2 262 485,67 |
6 300,92 |
554 219,81 |
|
Kostanai region |
127 327,60 |
1 192 512,15 |
3 525,92 |
326 766,43 |
|
Kyzylorda region |
156 325,81 |
1 400 455,84 |
3 151,12 |
272 460,53 |
|
Mangistau region |
177 002,30 |
1 770 233,22 |
3 331,73 |
354 506,57 |
|
Pavlodar region |
134 134,46 |
1 246 560,74 |
4 063,38 |
345 004,95 |
|
North Kazakhstan reg. |
62 149,27 |
531 657,81 |
2 167,55 |
186 476,91 |
|
Turkestan reg. |
269 487,82 |
2 543 129,92 |
2 517,51 |
250 330,92 |
|
Almaty city |
2 168 580,45 |
37 192 511,48 |
26 035,50 |
3 589 596,74 |
|
Astana city |
557 266,12 |
6 586 203,48 |
8 470,72 |
1 050 140,90 |
|
Shimkent city |
366 743,21 |
4 563 356,92 |
7 621,85 |
871 718,85 |
|
Jetysu reg. |
158 541,12 |
1 396 915,63 |
2 789,50 |
227 840,51 |
|
Abay reg. |
101 585,48 |
882 079,78 |
2 823,65 |
230 450,85 |
|
Ulytau reg. |
40 415,85 |
433 547,50 |
1 069,52 |
109 037,25 |
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-May 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 708 041,7 |
73 933 578,3 |
90 412,6 |
10 178 393,7 |
|
POS - terminal |
1 232 030,2 |
7 524 016,6 |
1 093,1 |
929 924,8 |
|
ATM |
256,0 |
23 952,8 |
88 995,9 |
9 102 602,8 |
|
Internet and mobile phone |
2 864 377,7 |
58 366 439,8 |
- |
- |
|
Payment terminals |
14 791,3 |
49 732,3 |
323,6 |
145 866,1 |
|
QR-code |
1 596 586,5 |
7 969 436,8 |
- |
- |
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-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
107 264,6 |
1 805 385,8 |
2 266,8 |
187 746,2 |
|
POS - terminal |
31 250,3 |
721 975,9 |
15,6 |
5 354,4 |
|
ATM |
65,0 |
3 018,4 |
2 248,0 |
180 878,3 |
|
Internet and mobile phone |
73 806,2 |
992 548,3 |
- |
- |
|
others |
2 143,1 |
87 843,3 |
3,3 |
1 513,6 |
|
2026 |
||||
|
Total, incl. |
150 615,7
|
2 080 953,7 |
1 711,5 |
148 606,5 |
|
POS - terminal |
32 790,8 |
689 905,1 |
13,1 |
5 690,0 |
|
ATM |
75,4 |
5 595,1 |
1 698,1 |
142 914,9 |
|
Internet and mobile phone |
115 311,6 |
1 308 217,7 |
|
|
|
others |
2 438,0 |
77 235,8 |
0,2 |
1,5 |
