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Version ¹244 от 29/01/2024

As of January 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 January 01, 2024, 74.5 million payment cards are in circulation. The most common are debit cards, their share is 80.8%, the share of credit cards is 16.4%. Debit cards with a credit limit and prepaid cards account for 2.8%.

In December 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 16.8 trillion tenge, the number – 1.06 bln transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 20.9% and reached up to 1.04 bln transactions and by 28.2%, reaching 14.5 trillion tenge. The holders of payment cards carried out 21.3 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 December 2022 by 2.2%. At the same time, the volume of cash withdrawal operations increased by 13.5%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.9% of the total number of transactions and 90.8% of the total volume of non-cash payments and money transfers) and POS terminals (18.0% and 8.9% 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 88.4% 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

As of 01.01.2023

As of 01.01.2024

Total number of cards in circulation (thousand), of which:

65 080,0

74 544,4

local systems

22 165,8

24 874,0

international systems, of which:

42 914,2

49 670,5

Visa International, of which:

33 314,8

37 532,9

debit

30 063,9

34 847,8

credit

1 196,6

778,7

Debit cards with credit limit and prepaid

2 054,3

1 906,4

MasterCard Worldwide, of which:

7 980,3

10 695,7

debit

7 654,0

10 366,1

credit

324,2

156,4

Debit cards with credit limit and prepaid

2,0

173,2

Number of used cards (thousand), of which:

33 430,6

38 685,0

local systems

13 437,5

15 948,0

international systems, of which:

19 993,0

22 737,0

Visa International, of which:

16 698,4

19 373,3

debit

15 817,9

18 808,7

credit

390,9

309,1

ADebit cards with credit limit and prepaid

489,6

255,5

MasterCard Worldwide, of which:

2 711,0

2 885,3

debit

2 634,1

2 805,7

credit

76,2

47,4

Debit cards with credit limit and prepaid

0,7

32,2

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

22 661,57

 

Table 2

Specifications

As of 01.01.2024

Total number of cards in circulation (thousand)

Number of used payment cards (thousand)

debit

credit

others[2]

debit

credit

others2

Total, incl.

60 250,7

12 214,1

2 079,6

33 872,9

4 524,5

287,7

Akmola region

1 818,6

410,8

98,4

1 062,5

146,3

14,7

Aktobe region

2 592,7

635,6

118,0

1 477,7

238,9

15,8

Almaty region

2 817,2

1 055,4

184,9

2 016,7

400,4

21,7

Atyrau region

2 116,2

482,5

99,8

1 203,8

186,6

9,9

East Kazakhstan reg.

2 044,2

450,8

162,7

1 133,2

157,1

20,9

Jambul region

2 777,7

645,7

135,6

1 598,1

232,7

12,3

West Kazakhstan reg.

1 931,8

467,3

84,5

1 099,9

170,3

10,4

Karaganda region

3 398,7

733,5

147,1

1 929,2

274,3

19,7

Kostanai region

2 274,6

462,5

95,7

1 261,8

162,0

16,0

Kyzylorda region

2 142,9

534,2

119,3

1 191,8

197,0

10,6

Mangistau region

2 201,5

519,0

76,6

1 251,9

204,6

8,7

Pavlodar region

2 156,4

467,1

102,1

1 226,8

170,0

16,2

North Kazakhstan reg.

1 402,4

257,0

55,3

764,7

84,3

8,8

Turkestan reg.

3 972,9

1 130,2

170,0

2 414,2

375,0

17,6

Almaty city

13 953,6

1 387,3

186,0

7 550,2

522,0

41,5

Shymkent city

3 453,5

716,3

59,6

1 725,4

271,8

6,8

Astana city

4 876,5

998,2

160,3

2 626,5

423,7

33,1

Jetysu reg.

1 979,0

364,3

11,0

1 053,7

125,5

1,3

Abay reg.

1 711,7

352,9

8,8

924,4

127,0

1,1

Ulytau reg.

628,4

143,5

3,9

360,7

54,8

0,6

 

 

 

Table 3

Specifications

As of 01.01.2024

Number of POS-terminals

Number of ATMs

Number of enterprises[3]

Number of outlets

Total, incl.

997 427

11 809

753 433

885 812

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

Specifications

January-December

Cashless payments

Cash withdrawals

2022

Number of transactions (thousand) of which;

8 586 764,57

254 295,94

local systems

7 290 148,27

38 407,46

international systems, of which:

1 296 616,30

215 888,48

Visa International

966 485,50

166 113,36

MasterCard Worldwide

211 886,87

40 960,65

Volume (mln.tenge), of which;

103 787 622,70

21 356 451,15

local systems

80 253 090,59

2 672 060,36

international systems, of which:

23 534 532,11

18 684 390,79

Visa International

14 199 488,21

14 146 608,77

MasterCard Worldwide

4 254 247,59

3 986 465,44

2023

Number of transactions (thousand) of which;

11 317 331,36

241 096,52

local systems

9 654 560,12

58 833,70

international systems, of which:

1 662 771,25

182 262,82

Visa International

1 424 790,70

152 574,79

MasterCard Worldwide

175 935,51

23 060,75

Volume (mln.tenge), of which;

141 924 896,00

23 051 912,87

local systems

111 850 989,33

4 663 678,28

international systems, of which:

30 073 906,67

18 388 234,59

Visa International

22 567 902,79

14 944 428,23

MasterCard Worldwide

5 214 523,76

2 953 291,62

 

Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions

Table 5

Specifications

January-December

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

11 302 932,7

142 568 582,4

241 619,9

22 875 361,3

Akmola region

170 294,7

1 561 032,5

8 261,3

579 886,9

Aktobe region

377 699,2

3 987 141,6

11 558,8

883 761,1

Almaty region

342 632,6

4 071 618,7

8 738,9

740 719,5

Atyrau region

348 944,9

4 085 413,7

8 332,9

787 362,0

East Kazakhstan reg.

215 003,1

2 300 579,9

11 274,7

858 307,6

Jambul region

326 728,4

3 538 944,1

12 044,2

939 152,7

West Kazakhstan reg.

259 978,2

2 685 964,1

8 316,0

625 673,3

Karaganda region

422 416,7

4 894 062,1

17 925,6

1 392 538,9

Kostanai region

239 097,0

2 413 710,7

10 177,5

782 849,3

Kyzylorda region

257 208,3

2 778 377,9

8 089,0

638 723,2

Mangistau region

336 803,0

4 008 814,7

8 558,5

850 741,0

Pavlodar region

261 006,7

2 571 156,0

11 767,8

836 172,4

North Kazakhstan reg.

104 792,2

1 004 957,5

6 527,5

442 556,5

Turkestan reg.

292 110,2

3 401 252,2

8 086,5

703 379,9

Almaty city

5 140 942,2

71 576 412,7

49 141,2

6 698 693,0

Astana city

1 134 217,4

14 828 603,8

21 715,9

2 417 110,1

Shimkent city

666 295,7

8 985 261,7

16 957,8

1 712 715,4

Jetysu reg.

170 789,3

1 594 000,8

4 970,7

334 816,1

Abay reg.

164 782,0

1 521 802,2

6 592,6

435 844,9

Ulytau reg.

71 190,7

759 475,4

2 582,6

214 357,5

 

 

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-December 2023

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

11 299 336,3

142 472 497,7

240 144,4

22 772 654,5

POS - terminal

2 536 759,9

15 565 271,5

3 126,4

2 241 540,7

ATM

559,2

69 145,3

236 908,5

20 501 231,5

Internet and mobile phone

7 237 300,4

118 267 433,0

-

-

Payment terminals

472,8

27 843,1

109,4

29 882,2

QR-code

1 524 244,0

8 542 804,7

-

-

 

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-December

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

2022

Total, incl.

97 067,9

1 722 754,1

3 562,6

252 199,9

POS - terminal

41 032,0

915 685,5

51,0

10 161,0

ATM

16,8

1 277,0

3 511,6

242 038,8

Internet and mobile phone

55 425,8

781 027,5

-

-

others

593,3

24 764,2

-

-

2023

Total, incl.

166 503,6

2 661 682,2

4 955,3

428 751,6

POS - terminal

56 620,0

1 263 428,0

38,7

15 114,9

ATM

82,2

6 304,3

4 915,5

412 634,5

Internet and mobile phone

108 910,6

1 354 644,0

0,0

0,0

others

890,7

37 305,7

1,1

1 002,3

 

 

[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.

Version ¹243 от 27/12/2023

As of December 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 local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank». 

As of December 01, 2023, 74.1 million payment cards are in circulation. The most common are debit cards, their share is 80.7%, the share of credit cards is 16.5%. Debit cards with a credit limit and prepaid cards account for 2.8%.

In November 2023, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.3 trillion tenge, the number – 1.02 bln transactions. At the same time, over the same period of 2022, the number of non-cash transactions increased by 26.4% and reached up to 999.1 mln transactions and by 30.2%, reaching 13.3 trillion tenge. The holders of payment cards carried out 19.7 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to November 2022 by 0.6%. At the same time, the volume of cash withdrawal operations increased by 13.3%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.3% of the total number of transactions and 90.6% of the total volume of non-cash payments and money transfers) and POS terminals (18.7% 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 88.9% 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.

Table 1

Specifications

As of 01.12.2022

As of 01.12.2023

Total number of cards in circulation (thousand), of which:

64 353,2

74 075,3

local systems

21 887,4

24 707,5

international systems, of which:

42 465,9

49 367,8

Visa International, of which:

32 738,7

37 463,9

debit

29 476,3

34 736,4

credit

1 257,1

857,2

Debit cards with credit limit and prepaid

2 005,4

1 870,3

MasterCard Worldwide, of which:

8 075,2

10 444,6

debit

7 729,2

10 115,4

credit

343,8

154,9

Debit cards with credit limit and prepaid

2,2

174,2

Number of used cards (thousand), of which:

33 002,2

38 529,4

local systems

13 461,7

16 033,3

international systems, of which:

19 540,5

22 496,0

Visa International, of which:

16 132,5

19 162,7

debit

15 298,6

18 583,1

credit

394,9

335,0

ADebit cards with credit limit and prepaid

439,0

244,6

MasterCard Worldwide, of which:

2 821,3

2 852,1

debit

2 746,0

2 778,5

credit

74,6

42,6

Debit cards with credit limit and prepaid

0,7

31,1

Quarterly specifications

01.10.2022

01.10.2023

Number of  POS - terminals (units), of which:

748 982

983 419

commercial enterprises

732 503

975 265

banks

16 479

8 154

Number of ATM (units) , of which:

12 452

12 625

with cash distribution function

5 301

4 922

with cash reception and distribution functions

7 151

7 703

Number of commercial enterprises (units)

508 502

762 715

Number  of users of online bank service(thousand units)[1]

21 796,90

22 019,81

 

Table 2

Specifications

As of 01.12.2023

Total number of cards in circulation (thousand)

Number of used payment cards (thousand)

debit

credit

others[2]

debit

credit

others2

Total, incl.

59 804,2

12 226,6

2 044,6

33 546,9

4 706,7

275,7

Akmola region

1 809,8

409,9

97,1

1 050,5

153,2

14,1

Aktobe region

2 585,3

637,9

116,4

1 464,7

254,2

15,3

Almaty region

2 804,5

1 057,2

183,0

2 014,5

412,8

20,4

Atyrau region

2 107,3

483,4

98,7

1 194,0

193,0

9,5

East Kazakhstan reg.

2 040,2

451,1

161,0

1 122,2

166,1

20,8

Jambul region

2 763,7

644,5

133,2

1 579,6

239,0

11,8

West Kazakhstan reg.

1 925,9

466,6

82,9

1 094,3

178,5

9,7

Karaganda region

3 385,7

735,8

145,3

1 905,0

286,0

19,1

Kostanai region

2 274,2

462,8

94,5

1 250,0

169,8

15,5

Kyzylorda region

2 136,3

534,8

117,4

1 183,9

203,1

10,6

Mangistau region

2 193,4

520,1

75,8

1 238,4

212,3

8,3

Pavlodar region

2 149,2

469,3

101,1

1 214,8

178,5

15,3

North Kazakhstan reg.

1 396,9

255,5

54,4

757,2

87,4

8,3

Turkestan reg.

3 945,5

1 123,5

165,7

2 389,8

384,6

16,6

Almaty city

13 701,3

1 394,1

182,0

7 439,7

540,2

39,5

Shymkent city

3 438,2

716,2

58,5

1 719,4

280,5

6,5

Astana city

4 846,0

1 003,8

157,3

2 611,5

446,0

31,4

Jetysu reg.

1 966,5

364,0

8,7

1 040,7

130,0

1,2

Abay reg.

1 704,8

352,5

8,0

918,9

132,8

1,0

Ulytau reg.

629,5

143,3

3,6

357,7

58,7

0,6

 

 

 

Table 3

Specifications

As of 01.10.2023

Number of POS-terminals

Number of ATMs

Number of enterprises[3]

Number of outlets

Total, incl.

983 419

12 625

762 715

909 604

Akmola region

32 941

410

27 228

33 244

Aktobe region

43 890

631

37 879

44 464

Almaty region

39 731

301

39 955

42 546

Atyrau region

35 702

591

29 472

35 021

East Kazakhstan reg.

33 591

584

26 058

32 272

Jambul region

37 037

535

32 743

37 984

West Kazakhstan reg.

31 240

448

26 246

31 504

Karaganda region

56 012

909

44 507

54 527

Kostanai region

42 473

499

30 733

41 510

Kyzylorda region

26 994

397

26 640

30 027

Mangistau region

40 046

612

33 215

40 617

Pavlodar region

40 729

601

28 712

38 402

North Kazakhstan reg.

19 981

345

15 290

19 646

Turkestan reg.

36 970

437

38 243

41 196

Almaty city

233 569

2 273

143 820

185 671

Shimkent city

75 320

761

47 205

51 387

Astana city

115 808

1 440

97 161

105 970

Jetysu reg.

14 921

297

14 048

15 865

Abay reg.

18 174

366

17 228

19 061

Ulytau reg.

8 290

188

6 332

8 690

 

Use of payment cards, issued by the banks of Kazakhstan, in and outside the country

Table 4

Specifications

January-November

Cashless payments

Cash withdrawals

2022

Number of transactions (thousand) of which;

7 727 983,14

232 481,89

local systems

6 564 839,45

34 363,43

international systems, of which:

1 163 143,70

198 118,46

Visa International

866 893,45

151 507,27

MasterCard Worldwide

198 067,84

38 427,04

Volume (mln.tenge), of which;

92 475 074,83

19 332 688,65

local systems

71 722 645,23

2 355 484,48

international systems, of which:

20 752 429,60

16 977 204,17

Visa International

12 661 741,36

12 770 963,05

MasterCard Worldwide

3 839 918,28

3 697 205,14

2023

Number of transactions (thousand) of which;

10 279 045,64

219 755,54

local systems

8 777 148,03

53 084,92

international systems, of which:

1 501 897,61

166 670,62

Visa International

1 283 595,63

139 464,37

MasterCard Worldwide

157 412,50

21 064,59

Volume (mln.tenge), of which;

127 426 968,99

20 754 441,82

local systems

100 423 036,39

4 159 877,11

international systems, of which:

27 003 932,60

16 594 564,71

Visa International

20 097 366,34

13 465 447,83

MasterCard Worldwide

4 643 313,85

2 677 054,36

 

Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions

Table 5

Specifications

January-November

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

10 268 193,4

127 976 262,9

220 528,1

20 613 919,2

Akmola region

153 599,5

1 404 240,5

7 564,9

525 684,3

Aktobe region

342 214,8

3 594 772,4

10 542,7

800 215,7

Almaty region

311 605,5

3 674 649,6

8 297,4

695 348,0

Atyrau region

316 925,7

3 703 485,8

7 613,6

713 291,8

East Kazakhstan reg.

194 065,3

2 068 547,3

10 390,4

784 414,5

Jambul region

294 619,4

3 176 493,6

10 981,3

848 120,4

West Kazakhstan reg.

235 474,0

2 421 714,7

7 626,1

569 839,8

Karaganda region

383 235,0

4 410 209,3

16 402,3

1 262 402,9

Kostanai region

216 933,0

2 163 345,1

9 288,7

708 457,4

Kyzylorda region

231 776,6

2 505 399,4

7 374,5

577 959,1

Mangistau region

305 263,3

3 632 344,8

7 805,3

771 369,9

Pavlodar region

236 323,3

2 311 116,3

10 771,4

758 286,4

North Kazakhstan reg.

94 847,2

903 391,0

5 984,1

402 106,2

Turkestan reg.

259 659,1

3 045 180,0

7 465,5

646 132,1

Almaty city

4 692 527,3

64 107 647,9

44 752,7

5 983 348,0

Astana city

1 033 700,4

13 350 099,3

19 785,1

2 170 843,6

Shimkent city

603 488,3

8 080 202,0

15 393,6

1 540 550,8

Jetysu reg.

149 388,6

1 390 759,1

4 294,1

283 901,2

Abay reg.

148 283,7

1 352 959,8

5 898,0

384 451,7

Ulytau reg.

64 263,4

679 705,1

2 296,2

187 195,3

 

 

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-November 2023

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

10 264 597,1

127 880 178,3

219 052,6

20 511 212,4

POS - terminal

2 343 780,6

14 215 235,7

2 834,6

1 987 312,9

ATM

524,8

63 732,3

216 142,6

18 503 642,6

Internet and mobile phone

6 578 521,1

106 205 929,7

-

-

Payment terminals

408,7

24 134,5

75,4

20 256,9

QR-code

1 341 361,8

7 371 146,1

 

 

 

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-November

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

2022

Total, incl.

86 668,9

1 535 453,9

3 203,4

223 209,6

POS - terminal

36 382,1

815 239,9

47,5

9 052,7

ATM

14,6

1 083,8

3 155,9

214 156,9

Internet and mobile phone

49 781,5

697 016,5

0,0

0,0

others

490,8

22 113,6

0,0

0,0

2023

Total, incl.

150 467,9

2 418 222,8

4 486,9

382 482,0

POS - terminal

51 918,4

1 159 807,4

35,9

13 785,0

ATM

76,4

5 979,8

4 450,4

368 094,1

Internet and mobile phone

97 743,1

1 223 078,3

0,0

0,0

others

730,1

29 357,3

0,7

602,9

 

 

[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.

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