Version ¹275 от 31/08/2026
As of August 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 August 01, 2026, 84.0 million payment cards are in circulation. The most common are debit cards, their share is 81.6%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In July 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 19.9 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 7.5% and reached up to 1.3 bln transactions, the volume increased by 8.4%, amounting to 17.6 trillion tenge. The holders of payment cards carried out 18.9 million cash withdrawal operations in the amount of 2.3 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to July 2025 by 6.2%, and of the volume of cash withdrawal operations by 6.3%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (77.6% of the total number of transactions and 89.6% of the total volume of non-cash payments and money transfers) and POS terminals (21.9% and 10.0% 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 88.5% 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 |
01.08.2025 |
01.08.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 928,5 |
83 979,8 |
|
local systems |
27 446,2 |
28 356,3 |
|
international systems, of which: |
54 482,3 |
55 623,5 |
|
Visa International, of which: |
38 370,8 |
40 680,5 |
|
debit |
35 355,9 |
37 814,5 |
|
credit |
647,9 |
613,3 |
|
Debit cards with credit limit and prepaid |
2 367,0 |
2 252,7 |
|
MasterCard Worldwide, of which: |
15 111,5 |
14 054,1 |
|
debit |
14 428,1 |
13 610,5 |
|
credit |
107,3 |
419,4 |
|
Debit cards with credit limit and prepaid |
576,1 |
24,1 |
|
UnionPay International, of which: |
853,6 |
748,1 |
|
debit |
853,6 |
748,1 |
|
credit |
0,02 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
40 408,5 |
40 583,2 |
|
local systems |
16 929,3 |
17 323,8 |
|
international systems, of which: |
23 479,3 |
23 259,4 |
|
Visa International, of which: |
19 969,7 |
20 461,9 |
|
debit |
19 390,7 |
19 928,1 |
|
credit |
263,8 |
177,9 |
|
Debit cards with credit limit and prepaid |
315,1 |
355,9 |
|
MasterCard Worldwide, of which: |
3 058,1 |
2 460,6 |
|
debit |
3 016,0 |
2 395,5 |
|
credit |
28,2 |
56,4 |
|
Debit cards with credit limit and prepaid |
13,9 |
8,7 |
|
UnionPay International, of which: |
401,2 |
295,3 |
|
debit |
401,2 |
295,3 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.07.2025 |
01.07.2026 |
|
Number of POS - terminals (units), of which: |
1 364 509 |
1 363 897 |
|
commercial enterprises |
1 356 999 |
1 355 883 |
|
banks |
7 510 |
8 014 |
|
Number of ATM (units) , of which: |
12 823 |
13 131 |
|
with cash distribution function |
3 429 |
2 787 |
|
with cash reception and distribution functions |
9 394 |
10 344 |
|
Number of commercial enterprises (units) |
910 707 |
969 737 |
|
Number of users of online bank service(thousand units) |
27 075,2 |
29 412,8 |
|
Table 2 |
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|
Specifications |
As of 01.08.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 561,9 |
13 040,3 |
2 377,6 |
36 135,1 |
4 054,8 |
393,4 |
|
Akmola region |
2 054,8 |
458,0 |
103,8 |
1 152,9 |
140,3 |
18,6 |
|
Aktobe region |
2 996,2 |
667,9 |
120,8 |
1 531,2 |
210,2 |
19,5 |
|
Almaty region |
3 365,0 |
1 112,1 |
229,1 |
2 268,0 |
363,2 |
36,7 |
|
Atyrau region |
2 340,1 |
500,7 |
87,5 |
1 281,7 |
163,1 |
12,2 |
|
East Kazakhstan reg. |
2 131,0 |
482,6 |
150,1 |
1 157,5 |
144,4 |
25,5 |
|
Jambul region |
3 131,2 |
693,8 |
148,0 |
1 690,0 |
204,9 |
15,9 |
|
West Kazakhstan reg. |
2 197,9 |
489,6 |
89,9 |
1 145,8 |
152,4 |
13,6 |
|
Karaganda region |
3 728,8 |
777,0 |
144,6 |
2 039,0 |
237,7 |
27,1 |
|
Kostanai region |
2 484,5 |
506,5 |
101,4 |
1 300,9 |
158,6 |
20,4 |
|
Kyzylorda region |
2 565,7 |
549,9 |
121,7 |
1 246,5 |
164,4 |
12,2 |
|
Mangistau region |
2 481,8 |
545,2 |
80,9 |
1 374,1 |
185,1 |
11,3 |
|
Pavlodar region |
2 360,3 |
494,2 |
99,0 |
1 279,4 |
153,0 |
20,1 |
|
North Kazakhstan reg. |
1 541,0 |
286,9 |
59,5 |
821,6 |
82,4 |
11,6 |
|
Turkestan reg. |
3 844,5 |
1 208,2 |
224,9 |
2 588,4 |
332,3 |
24,7 |
|
Almaty city |
15 816,0 |
1 473,1 |
250,8 |
7 991,6 |
463,3 |
55,4 |
|
Shymkent city |
5 004,7 |
796,6 |
72,4 |
1 838,2 |
241,5 |
9,9 |
|
Astana city |
5 889,5 |
1 073,6 |
216,8 |
2 927,8 |
377,7 |
48,5 |
|
Jetysu reg. |
2 116,1 |
391,0 |
31,6 |
1 108,3 |
116,6 |
3,6 |
|
Abay reg. |
1 933,8 |
384,0 |
32,2 |
1 011,6 |
116,0 |
4,9 |
|
Ulytau reg. |
579,1 |
149,6 |
12,9 |
380,6 |
47,7 |
1,8 |
|
Table 3 |
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|
Specifications |
As of 01.07.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 363 897 |
13 131 |
969 737 |
1 227 841 |
|
Akmola region |
52 531 |
410 |
35 348 |
47 230 |
|
Aktobe region |
61 643 |
645 |
45 445 |
56 399 |
|
Almaty region |
71 960 |
333 |
62 398 |
65 825 |
|
Atyrau region |
52 686 |
573 |
36 577 |
48 487 |
|
East Kazakhstan reg. |
44 440 |
606 |
31 181 |
39 570 |
|
Jambul region |
58 240 |
598 |
44 168 |
53 062 |
|
West Kazakhstan reg. |
42 240 |
472 |
31 469 |
38 379 |
|
Karaganda region |
75 599 |
978 |
55 034 |
67 855 |
|
Kostanai region |
58 954 |
515 |
39 426 |
53 034 |
|
Kyzylorda region |
36 769 |
432 |
29 455 |
33 734 |
|
Mangistau region |
45 194 |
608 |
35 266 |
41 477 |
|
Pavlodar region |
53 732 |
626 |
34 735 |
48 158 |
|
North Kazakhstan reg. |
29 030 |
354 |
19 012 |
25 993 |
|
Turkestan reg. |
58 399 |
375 |
50 052 |
53 921 |
|
Almaty city |
304 526 |
2 316 |
182 905 |
268 509 |
|
Shimkent city |
75 201 |
859 |
58 868 |
68 566 |
|
Astana city |
170 190 |
1 508 |
121 494 |
151 545 |
|
Jetysu reg. |
28 885 |
326 |
23 514 |
26 231 |
|
Abay reg. |
31 377 |
391 |
24 470 |
28 473 |
|
Ulytau reg. |
12 301 |
206 |
8 920 |
11 393 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
7 929 145,5 |
137 342,5 |
|
local systems |
6 602 363,9 |
47 876,6 |
|
international systems, of which: |
1 326 781,6 |
89 465,9 |
|
Visa International |
1 112 125,4 |
74 107,3 |
|
MasterCard Worldwide |
202 348,3 |
11 980,8 |
|
UnionPay International |
10 335,9 |
3 281,1 |
|
Volume (mln.tenge), of which; |
104 614 597,4 |
15 614 499,2 |
|
local systems |
79 265 945,2 |
4 230 671,1 |
|
international systems, of which: |
25 348 652,2 |
11 383 828,0 |
|
Visa International |
19 652 272,2 |
9 400 421,2 |
|
MasterCard Worldwide |
5 440 317,8 |
1 683 360,3 |
|
UnionPay International |
202 332,8 |
287 830,5 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
8 364 067,2 |
129 269,1 |
|
local systems |
6 939 206,87 |
50 103,78 |
|
international systems, of which: |
1 424 860,33 |
79 165,35 |
|
Visa International |
1 183 189,93 |
67 643,69 |
|
MasterCard Worldwide |
230 408,10 |
9 212,16 |
|
UnionPay International |
9 402,23 |
2 200,72 |
|
Volume (mln.tenge), of which; |
109 687 982,5 |
14 962 909,5 |
|
local systems |
82 073 254,5 |
4 650 541,7 |
|
international systems, of which: |
27 614 727,9 |
10 312 367,8 |
|
Visa International |
21 444 720,8 |
8 740 105,4 |
|
MasterCard Worldwide |
5 929 138,7 |
1 342 010,5 |
|
UnionPay International |
189 455,1 |
214 769,9 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-July 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 224 039,0 |
108 095 850,8 |
137 370,8 |
15 199 943,1 |
|
Akmola region |
164 868,47 |
1 700 276,91 |
3 755,33 |
340 758,22 |
|
Aktobe region |
285 691,88 |
2 718 030,77 |
6 270,78 |
535 780,18 |
|
Almaty region |
314 141,42 |
3 487 854,28 |
2 326,00 |
286 468,47 |
|
Atyrau region |
247 571,64 |
2 550 197,49 |
4 147,64 |
414 414,86 |
|
East Kazakhstan reg. |
166 784,52 |
1 697 416,94 |
4 666,42 |
452 628,24 |
|
Jambul region |
300 931,07 |
2 969 264,78 |
6 929,19 |
617 358,75 |
|
West Kazakhstan reg. |
189 544,25 |
1 819 716,60 |
4 015,38 |
332 622,94 |
|
Karaganda region |
308 989,74 |
3 320 973,59 |
8 931,79 |
801 022,87 |
|
Kostanai region |
185 049,77 |
1 753 954,61 |
5 050,20 |
477 803,48 |
|
Kyzylorda region |
221 708,71 |
2 054 802,53 |
4 441,32 |
396 019,41 |
|
Mangistau region |
252 193,11 |
2 581 968,44 |
4 702,00 |
509 196,78 |
|
Pavlodar region |
193 651,38 |
1 827 107,60 |
5 769,41 |
499 774,72 |
|
North Kazakhstan reg. |
90 856,76 |
786 515,18 |
3 113,36 |
273 554,29 |
|
Turkestan reg. |
388 992,02 |
3 847 537,54 |
3 581,31 |
365 187,90 |
|
Almaty city |
3 153 866,38 |
54 581 644,43 |
37 239,36 |
5 272 267,26 |
|
Astana city |
801 700,96 |
9 637 226,46 |
12 131,02 |
1 532 351,00 |
|
Shimkent city |
524 300,32 |
6 732 822,53 |
10 802,77 |
1 271 654,57 |
|
Jetysu reg. |
229 152,31 |
2 095 670,82 |
3 960,11 |
331 336,65 |
|
Abay reg. |
145 917,45 |
1 310 839,08 |
4 019,90 |
334 264,76 |
|
Ulytau reg. |
58 126,89 |
622 030,24 |
1 517,55 |
155 477,78 |
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-July 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 247 106,8 |
108 618 526,5 |
128 791,1 |
14 858 786,3 |
|
POS - terminal |
1 784 684,4 |
10 859 788,6 |
1 552,4 |
1 390 663,9 |
|
ATM |
374,7 |
34 770,8 |
126 762,7 |
13 249 764,8 |
|
Internet and mobile phone |
4 094 768,3 |
85 833 900,3 |
- |
- |
|
Payment terminals |
25 133,7 |
81 471,1 |
476,0 |
218 357,6 |
|
QR-code |
2 342 145,7 |
11 808 595,6 |
- |
- |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
151 153,8 |
2 548 271,6 |
3 096,2 |
256 246,4 |
|
POS - terminal |
44 574,8 |
1 025 307,5 |
22,3 |
7 626,2 |
|
ATM |
99,7 |
4 548,9 |
3 069,6 |
246 458,4 |
|
Internet and mobile phone |
103 520,5 |
1 398 092,9 |
- |
- |
|
others |
2 958,8 |
120 322,3 |
4,3 |
2 161,7 |
|
2026 |
||||
|
Total, incl. |
208 216,5 |
2 931 490,6 |
2 397,9 |
207 188,2 |
|
POS - terminal |
48 622,4 |
1 011 603,0 |
18,5 |
7 716,2 |
|
ATM |
92,9 |
8 051,7 |
2 379,2 |
199 470,5 |
|
Internet and mobile phone |
155 890,9 |
1 803 326,4 |
- |
- |
|
others |
3 610,4 |
108 509,5 |
0,2 |
1,5 |
