Version ¹249 от 28/06/2024
As of June 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 June 01, 2024, 77.4 million payment cards are in circulation. The most common are debit cards, their share is 80.0%, the share of credit cards is 15.9%. Debit cards with a credit limit and prepaid cards account for 4.1%.
In May 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.4 trillion tenge, the number – 1.1 bln transactions. At the same time, compared to the same period of 2023, the number of non-cash transactions increased by 13.3% and reached up to 1.1 bln transactions and by 16.8%, reaching 13.3 trillion tenge. The holders of payment cards carried out 20.9 million cash withdrawal operations in the amount of 2.1 trillion tenge. There is an increase in the number of cash withdrawal operations compared to May 2023 by 0.4%. At the same time, the volume of cash withdrawal operations increased by 9.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.5% of the total number of transactions and 90.6% of the total volume of non-cash payments and money transfers) and POS terminals (18.5% and 9.1% 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 86.7% 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 |
01.06.2023 |
01.06.2024 |
|
Total number of cards in circulation (thousand), of which: |
69 485,9 |
77 425,6 |
|
local systems |
23 290,4 |
25 624,5 |
|
international systems, of which: |
46 195,5 |
51 801,1 |
|
Visa International, of which: |
36 081,6 |
38 625,7 |
|
debit |
33 230,2 |
34 958,0 |
|
credit |
1 168,6 |
664,0 |
|
Debit cards with credit limit and prepaid |
1 682,8 |
3 003,6 |
|
MasterCard Worldwide, of which: |
8 490,7 |
11 818,9 |
|
debit |
8 145,3 |
11 509,7 |
|
credit |
163,2 |
150,1 |
|
Debit cards with credit limit and prepaid |
182,2 |
159,1 |
|
Number of used cards (thousand), of which: |
36 212,5 |
39 097,6 |
|
local systems |
14 776,5 |
16 182,4 |
|
international systems, of which: |
21 435,9 |
22 915,3 |
|
Visa International, of which: |
18 255,4 |
19 382,1 |
|
debit |
17 662,5 |
18 703,9 |
|
credit |
372,7 |
257,1 |
|
ADebit cards with credit limit and prepaid |
220,2 |
421,2 |
|
MasterCard Worldwide, of which: |
2 642,7 |
3 068,9 |
|
debit |
2 567,0 |
2 997,2 |
|
credit |
42,9 |
43,3 |
|
Debit cards with credit limit and prepaid |
32,8 |
28,4 |
|
Quarterly specifications |
01.04.2023 |
01.04.2024 |
|
Number of POS - terminals (units), of which: |
867 685 |
1 134 474 |
|
commercial enterprises |
851 975 |
1 126 552 |
|
banks |
15 710 |
7 922 |
|
Number of ATM (units) , of which: |
12 436 |
12 727 |
|
with cash distribution function |
5 336 |
4 946 |
|
with cash reception and distribution functions |
7 100 |
7 781 |
|
Number of commercial enterprises (units) |
649 571 |
813 114 |
|
Number of users of online bank service(thousand units)[1] |
23 095,4 |
23 262,7 |
|
Table 2 |
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|
Specifications |
As of 01.06.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
61 932,6 |
12 330,3 |
3 162,7 |
34 236,3 |
4 411,7 |
449,6 |
|
Akmola region |
1 866,3 |
418,1 |
107,0 |
1 075,0 |
147,1 |
16,0 |
|
Aktobe region |
2 646,4 |
636,4 |
128,2 |
1 495,9 |
231,7 |
16,9 |
|
Almaty region |
2 917,3 |
1 064,2 |
211,4 |
2 052,5 |
396,8 |
25,0 |
|
Atyrau region |
2 174,0 |
483,7 |
108,7 |
1 209,0 |
152,0 |
10,7 |
|
East Kazakhstan reg. |
2 083,9 |
455,4 |
176,6 |
1 137,9 |
155,7 |
22,2 |
|
Jambul region |
2 860,9 |
654,8 |
151,8 |
1 621,4 |
228,5 |
13,0 |
|
West Kazakhstan reg. |
1 966,1 |
471,1 |
93,4 |
1 100,1 |
161,0 |
11,4 |
|
Karaganda region |
3 475,1 |
739,6 |
159,7 |
1 939,1 |
265,8 |
21,8 |
|
Kostanai region |
2 316,0 |
470,6 |
104,4 |
1 292,5 |
158,9 |
17,5 |
|
Kyzylorda region |
2 188,3 |
537,4 |
129,9 |
1 185,4 |
192,9 |
11,4 |
|
Mangistau region |
2 261,3 |
522,3 |
83,0 |
1 265,0 |
203,0 |
9,5 |
|
Pavlodar region |
2 208,3 |
471,1 |
110,2 |
1 245,8 |
166,8 |
17,5 |
|
North Kazakhstan reg. |
1 433,9 |
263,8 |
60,5 |
773,3 |
82,5 |
9,5 |
|
Turkestan reg. |
4 097,7 |
1 152,9 |
194,9 |
2 442,6 |
377,2 |
18,4 |
|
Almaty city |
14 439,3 |
1 389,5 |
1 067,7 |
7 635,3 |
502,3 |
180,5 |
|
Shymkent city |
3 554,7 |
718,9 |
66,2 |
1 751,7 |
264,7 |
7,3 |
|
Astana city |
5 043,2 |
1 004,2 |
179,5 |
2 658,6 |
418,0 |
37,2 |
|
Jetysu reg. |
2 048,0 |
371,9 |
12,8 |
1 067,1 |
126,1 |
1,7 |
|
Abay reg. |
1 745,8 |
358,8 |
12,1 |
930,3 |
127,1 |
1,5 |
|
Ulytau reg. |
606,1 |
145,5 |
5,1 |
357,7 |
53,6 |
0,7 |
|
Table 3 |
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|
Specifications |
As of 01.04.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 134 474 |
12 727 |
813 114 |
1 058 514 |
|
Akmola region |
38 036 |
414 |
29 088 |
40 627 |
|
Aktobe region |
49 877 |
624 |
39 757 |
51 873 |
|
Almaty region |
47 960 |
310 |
48 481 |
55 488 |
|
Atyrau region |
40 377 |
616 |
30 872 |
41 013 |
|
East Kazakhstan reg. |
37 152 |
580 |
28 391 |
37 929 |
|
Jambul region |
44 094 |
549 |
36 085 |
46 980 |
|
West Kazakhstan reg. |
34 033 |
442 |
27 638 |
35 882 |
|
Karaganda region |
62 152 |
921 |
48 857 |
64 330 |
|
Kostanai region |
47 231 |
507 |
33 902 |
48 366 |
|
Kyzylorda region |
30 756 |
405 |
25 941 |
33 274 |
|
Mangistau region |
43 130 |
607 |
33 708 |
44 032 |
|
Pavlodar region |
43 680 |
608 |
29 429 |
43 677 |
|
North Kazakhstan reg. |
22 043 |
361 |
15 976 |
23 253 |
|
Turkestan reg. |
44 309 |
446 |
40 729 |
48 358 |
|
Almaty city |
283 566 |
2 268 |
153 244 |
198 304 |
|
Shimkent city |
83 532 |
761 |
48 758 |
61 156 |
|
Astana city |
132 706 |
1 447 |
98 239 |
129 084 |
|
Jetysu reg. |
18 364 |
305 |
17 171 |
20 457 |
|
Abay reg. |
22 117 |
366 |
19 288 |
24 344 |
|
Ulytau reg. |
9 359 |
190 |
7 560 |
10 087 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
4 279 645,07 |
97 034,50 |
|
local systems |
3 636 327,21 |
21 171,59 |
|
international systems, of which: |
643 317,86 |
75 862,91 |
|
Visa International |
523 957,52 |
63 027,04 |
|
MasterCard Worldwide |
64 845,85 |
9 936,63 |
|
Volume (mln.tenge), of which; |
50 887 004,36 |
8 688 689,34 |
|
local systems |
39 141 340,43 |
1 567 779,90 |
|
international systems, of which: |
11 745 663,93 |
7 120 909,43 |
|
Visa International |
7 757 720,18 |
5 713 437,50 |
|
MasterCard Worldwide |
1 879 905,56 |
1 200 725,58 |
|
2024 |
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|
Number of transactions (thousand) of which; |
4 845 219,36 |
100 962,70 |
|
local systems |
4 041 476,19 |
30 364,76 |
|
international systems, of which: |
803 743,18 |
70 597,94 |
|
Visa International |
702 772,04 |
59 372,95 |
|
MasterCard Worldwide |
95 137,01 |
8 816,41 |
|
Volume (mln.tenge), of which; |
58 562 297,35 |
9 810 208,52 |
|
local systems |
45 075 341,35 |
2 305 127,51 |
|
international systems, of which: |
13 486 956,00 |
7 505 081,02 |
|
Visa International |
10 635 309,92 |
6 126 641,70 |
|
MasterCard Worldwide |
2 716 070,50 |
1 179 278,92 |
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-May 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 774 604,90 |
58 404 163,64 |
99 518,98 |
9 675 334,29 |
|
Akmola region |
82 742,10 |
634 161,55 |
3 086,63 |
224 159,86 |
|
Aktobe region |
170 175,82 |
1 550 197,67 |
4 755,58 |
366 352,12 |
|
Almaty region |
157 625,97 |
1 559 834,51 |
1 995,41 |
201 390,86 |
|
Atyrau region |
148 937,38 |
1 499 648,63 |
3 269,26 |
309 746,16 |
|
East Kazakhstan reg. |
99 108,18 |
907 126,20 |
4 016,32 |
320 351,85 |
|
Jambul region |
156 921,17 |
1 449 469,81 |
5 264,26 |
407 009,18 |
|
West Kazakhstan reg. |
113 766,99 |
1 041 942,30 |
3 201,25 |
241 849,18 |
|
Karaganda region |
178 677,58 |
1 869 977,05 |
7 094,19 |
558 146,10 |
|
Kostanai region |
104 877,55 |
974 841,26 |
3 996,60 |
318 299,13 |
|
Kyzylorda region |
121 817,60 |
1 089 698,11 |
3 570,65 |
278 861,69 |
|
Mangistau region |
154 742,43 |
1 574 588,46 |
3 556,82 |
368 365,49 |
|
Pavlodar region |
113 115,34 |
1 002 018,19 |
4 674,60 |
343 177,67 |
|
North Kazakhstan reg. |
47 642,20 |
401 625,87 |
2 510,02 |
177 899,77 |
|
Turkestan reg. |
171 889,37 |
1 560 012,02 |
2 891,52 |
259 370,65 |
|
Almaty city |
1 966 902,35 |
30 151 031,41 |
20 958,41 |
2 953 075,59 |
|
Astana city |
477 189,75 |
5 731 797,81 |
8 766,40 |
997 927,82 |
|
Shimkent city |
297 778,29 |
3 585 334,77 |
8 048,92 |
796 589,82 |
|
Jetysu reg. |
99 864,75 |
844 500,90 |
3 310,82 |
221 687,77 |
|
Abay reg. |
78 017,02 |
654 802,45 |
3 280,82 |
218 576,00 |
|
Ulytau reg. |
32 813,06 |
321 554,65 |
1 270,52 |
112 497,60 |
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-May 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 774 600,8 |
58 404 132,0 |
99 519,0 |
9 675 334,3 |
|
POS - terminal |
977 029,2 |
5 901 224,7 |
1 404,6 |
1 187 434,0 |
|
ATM |
174,3 |
24 243,4 |
97 912,1 |
8 423 101,1 |
|
Internet and mobile phone |
2 595 517,9 |
46 660 762,4 |
- |
- |
|
Payment terminals |
263,2 |
15 367,8 |
202,2 |
64 799,2 |
|
QR-code |
1 201 616,2 |
5 802 533,7 |
- |
- |
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) |
|
|
2023 |
||||
|
Total, incl. |
58 565,4 |
994 519,2 |
1 841,5 |
163 550,4 |
|
POS - terminal |
22 354,4 |
505 118,4 |
17,1 |
6 327,5 |
|
ATM |
39,7 |
4 442,4 |
1 824,3 |
157 222,9 |
|
Internet and mobile phone |
35 845,3 |
475 504,6 |
- |
- |
|
others |
326,1 |
9 453,9 |
- |
- |
|
2024 |
||||
|
Total, incl. |
82 786,0 |
1 271 788,3 |
2 281,7 |
172 672,7 |
|
POS - terminal |
25 924,1 |
550 337,5 |
14,3 |
5 502,5 |
|
ATM |
38,9 |
1 966,6 |
2 265,1 |
165 643,7 |
|
Internet and mobile phone |
55 737,4 |
671 560,1 |
- |
- |
|
others |
1 085,6 |
47 924,1 |
2,3 |
1 526,4 |
[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.
