Version ¹207 on 25/12/2020
As of December 01, 2020 actual origination of the payment cards were realized by 21 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 Altyn Card – JSC «Halyk Bank of Kazakhstan», local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of December 01, 2020 banks have issued 46,8 mln. payment cards and a number of card holders reached 38,8 mln. (in comparison with the situation on the same date of 2019, there is a growth of 46,7% and 36,5% respectively). The most widespread ones are the debit cards with the share of 74,9%, the share of credit cards – 22,2%. The share of debit cards with credit limit and share of prepaid cards is 2,4% and 0,5% respectively.
In January-November 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 45,5 trln. tenge (an increase of 57,7% compared to January-November 2019). The number of transactions amounted to – 2 778,3 million transactions and increased by 80,4% compared to January- November 2019.
At the same time, the number of non-cash transactions increased 2 times (the number amounted to 2 506,9 million units) and the amount – 2 times (the volume amounted to 30,6 trln. tenge). Card holders conducted 271,3 million withdrawals in the amount of 14,8 trln. tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 21,2% and 0,5%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (58,5% and 81,5% out of the total number of payments and volume of cashless payments) and POS-terminals (41,3% and 18,1% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,8% and 91,8% out of the total number of payments and volume of cash withdrawal transactions).
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 01.12.2019 |
As of 01.12.2020 |
|
Total number of cards in circulation (thousand), of which: |
31 863,5 |
46 756,0 |
|
local systems |
4 670,3 |
13 293,7 |
|
international systems, of which: |
27 193,2 |
33 462,3 |
|
Visa International, of which: |
15 783,3 |
21 763,7 |
|
debit |
9 546,1 |
15 845,9 |
|
credit |
5 127,1 |
4 662,8 |
|
Debit cards with credit limit and prepaid |
1 110,0 |
1 255,0 |
|
MasterCard Worldwide, of which: |
9 996,6 |
10 097,5 |
|
debit |
9 659,5 |
9 735,6 |
|
credit |
230,4 |
249,1 |
|
Debit cards with credit limit and prepaid |
106,7 |
112,9 |
|
Number of card holders (thousand), of which: |
28 439,0 |
38 822,2 |
|
local systems |
4 670,2 |
10 436,0 |
|
international systems, of which: |
23 768,8 |
28 386,1 |
|
Visa International, of which: |
13 445,8 |
17 499,7 |
|
MasterCard Worldwide, of which: |
9 245,9 |
9 368,9 |
|
Number of used cards (thousand), of which: |
19 166,4 |
25 835,5 |
|
local systems |
4 030,2 |
9 158,9 |
|
international systems, of which: |
15 136,3 |
16 676,6 |
|
Visa International, of which: |
7 797,6 |
9 616,6 |
|
debit |
4 632,7 |
7 698,0 |
|
credit |
2 636,3 |
1 576,4 |
|
Debit cards with credit limit and prepaid |
528,6 |
342,2 |
|
MasterCard Worldwide, of which: |
6 512,5 |
6 345,6 |
|
debit |
6 366,8 |
6 229,7 |
|
credit |
105,2 |
77,9 |
|
Debit cards with credit limit and prepaid |
40,5 |
37,9 |
|
Quarterly specifications |
As of 01.10.2019 |
As of 01.10.2020 |
|
Number of POS - terminals (units), of which: |
160 679 |
194 477 |
|
commercial enterprises |
152 013 |
185 716 |
|
banks |
8 666 |
8 761 |
|
Number of ATM (units) , of which: |
11 609 |
12 528 |
|
with cash distribution function |
7 139 |
6 752 |
|
with cash reception and distribution functions |
4 470 |
5 776 |
|
Number of commercial enterprises (units) |
89 764 |
102 895 |
|
Number of users of online bank service(thousand units)[1] |
17 809 |
26 993 |
|
Table 2 |
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|
Specifications |
As of 01.11.2020 |
||||||
|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
||
|
Total, incl. |
34 998 |
10 390 |
1 368 |
38 822 |
21 409 |
4 046 |
380 |
|
Akmola region |
854 |
250 |
54 |
974 |
500 |
82 |
14 |
|
Aktobe region |
1 560 |
556 |
70 |
1 754 |
934 |
218 |
18 |
|
Almaty region |
1 603 |
322 |
84 |
1 724 |
912 |
126 |
13 |
|
Atyrau region |
1 447 |
438 |
53 |
1 541 |
843 |
168 |
13 |
|
East Kazakhstan reg. |
2 078 |
691 |
109 |
2 388 |
1 225 |
230 |
24 |
|
Jambul region |
1 442 |
442 |
69 |
1 652 |
875 |
170 |
10 |
|
West Kazakhstan reg. |
1 077 |
378 |
46 |
1 223 |
667 |
132 |
9 |
|
Karaganda region |
2 469 |
770 |
155 |
2 766 |
1 501 |
290 |
67 |
|
Kostanai region |
1 228 |
386 |
51 |
1 367 |
748 |
122 |
13 |
|
Kyzylorda region |
1 147 |
381 |
65 |
1 298 |
666 |
172 |
21 |
|
Mangistau region |
1 362 |
431 |
44 |
1 451 |
790 |
178 |
10 |
|
Pavlodar region |
1 290 |
439 |
63 |
1 470 |
794 |
148 |
14 |
|
North Kazakhstan reg. |
678 |
189 |
30 |
750 |
396 |
57 |
9 |
|
Turkestan reg. and Shimkent city |
3 720 |
1 203 |
120 |
4 322 |
2 196 |
499 |
23 |
|
Almaty city |
9 753 |
2 512 |
268 |
10 562 |
6 352 |
1 068 |
101 |
|
Nur-Sultan city |
3 289 |
1 004 |
88 |
3 578 |
2 011 |
387 |
21 |
| Table 3 | ||||
| Specifications | As of 01.10.2020 | |||
| Number of POS-terminals | Number of ATMs | Number of enterprises[3] | Number of outlets | |
| Total, incl. | 194 477 | 12 528 | 102 895 | 155 722 |
| Akmola region | 5 075 | 390 | 2 942 | 4 244 |
| Aktobe region | 8 412 | 601 | 4 427 | 6 871 |
| Almaty region | 4 703 | 542 | 2 131 | 3 486 |
| Atyrau region | 5 744 | 648 | 3 007 | 4 667 |
| East Kazakhstan reg. | 11 094 | 961 | 5 622 | 8 846 |
| Jambul region | 4 408 | 509 | 1 606 | 3 099 |
| West Kazakhstan reg. | 5 962 | 461 | 3 009 | 4 736 |
| Karaganda region | 15 449 | 1 037 | 8 422 | 12 806 |
| Kostanai region | 11 312 | 489 | 6 769 | 9 810 |
| Kyzylorda region | 3 535 | 422 | 1 476 | 2 780 |
| Mangistau region | 6 471 | 604 | 3 255 | 5 363 |
| Pavlodar region | 10 488 | 631 | 5 500 | 8 406 |
| North Kazakhstan reg. | 4 696 | 340 | 2 179 | 3 570 |
| Turkestan reg. and Shimkent city | 9 141 | 1 062 | 4 103 | 6 831 |
| Almaty city | 54 748 | 2 370 | 28 909 | 43 474 |
| Nur-Sultan city | 33 239 | 1 461 | 19 538 | 26 733 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-November |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
1 041 697,2 |
344 196,3 |
|
local systems |
261 267,3 |
5 492,6 |
|
international systems, of which: |
780 429,9 |
338 703,7 |
|
Visa International |
204 743,7 |
135 151,3 |
|
MasterCard Worldwide |
570 656,7 |
189 890,3 |
|
Volume (mln.tenge), of which; |
12 081 306,0 |
14 787 181,5 |
|
local systems |
3 682 451,8 |
270 000,9 |
|
international systems, of which: |
8 398 854,1 |
14 517 180,6 |
|
Visa International |
3 319 009,3 |
7 272 061,7 |
|
MasterCard Worldwide |
4 987 150,7 |
6 624 185,7 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
2 506 941,9 |
271 313,7 |
|
local systems |
1 702 693,7 |
8 691,3 |
|
international systems, of which: |
804 248,2 |
262 622,4 |
|
Visa International |
292 878,4 |
120 968,8 |
|
MasterCard Worldwide |
506 694,9 |
130 157,8 |
|
Volume (mln.tenge), of which; |
30 606 598,8 |
14 868 365,7 |
|
local systems |
22 117 710,2 |
334 506,3 |
|
international systems, of which: |
8 488 888,6 |
14 533 859,4 |
|
Visa International |
4 464 362,2 |
7 719 532,6 |
|
MasterCard Worldwide |
3 964 792,0 |
6 225 246,0 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-November 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 453 187,9 |
29 951 948,0 |
275 511,5 |
14 979 019,4 |
|
Akmola region |
37 786,9 |
401 020,2 |
8 736,5 |
394 709,3 |
|
Aktobe region |
104 056,8 |
1 066 893,9 |
13 624,6 |
630 755,7 |
|
Almaty region |
102 912,9 |
1 224 605,3 |
18 760,4 |
898 831,2 |
|
Atyrau region |
98 101,1 |
1 224 365,4 |
11 298,7 |
639 534,0 |
|
East Kazakhstan reg. |
80 549,7 |
913 113,4 |
21 538,3 |
991 232,3 |
|
Jambul region |
73 228,2 |
824 595,4 |
13 733,8 |
640 542,6 |
|
West Kazakhstan reg. |
58 760,7 |
713 601,0 |
10 604,4 |
476 014,2 |
|
Karaganda region |
147 594,6 |
1 604 373,6 |
23 099,8 |
1 133 844,8 |
|
Kostanai region |
66 644,7 |
653 008,0 |
11 884,4 |
558 271,9 |
|
Kyzylorda region |
58 714,3 |
653 445,6 |
10 337,4 |
487 169,8 |
|
Mangistau region |
93 388,1 |
1 057 360,0 |
11 610,0 |
701 700,1 |
|
Pavlodar region |
71 692,6 |
714 205,0 |
13 432,4 |
600 944,2 |
|
North Kazakhstan reg. |
23 778,0 |
264 860,5 |
7 082,6 |
315 629,5 |
|
Turkestan reg. and Shimkent city |
188 197,5 |
2 667 763,3 |
31 698,8 |
1 745 925,7 |
|
Almaty city |
844 095,5 |
11 571 015,1 |
44 579,9 |
3 140 251,7 |
|
Nur-Sultan city |
403 686,2 |
4 397 722,5 |
23 489,4 |
1 623 662,3 |
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 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 453 187,9 |
29 951 948,0 |
275 511,5 |
14 979 019,4 |
|
POS - terminal |
1 014 085,2 |
5 421 304,1 |
3 301,7 |
1 230 191,0 |
|
ATM |
3 141,2 |
129 702,6 |
272 209,8 |
13 748 828,4 |
|
Internet and mobile phone |
1 435 956,5 |
24 400 578,3 |
- |
- |
|
Payment terminals |
5,1 |
362,9 |
- |
- |
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) |
|
|
2019 |
||||
|
Total, incl. |
43 963,4 |
579 684,2 |
2 857,1 |
200 071,2 |
|
POS - terminal |
29 204,5 |
403 334,2 |
22,6 |
8 273,0 |
|
ATM |
84,7 |
1 051,7 |
2 834,5 |
191 798,2 |
|
Internet and mobile phone |
14 600,5 |
172 296,3 |
|
|
|
others |
73,7 |
3 002,0 |
|
|
|
2020 |
||||
|
Total, incl. |
54 214,4 |
514 515,4 |
2 260,3 |
147 121,9 |
|
POS - terminal |
22 488,6 |
247 043,7 |
24,0 |
7 312,5 |
|
ATM |
12,4 |
641,3 |
2 236,3 |
139 809,4 |
|
Internet and mobile phone |
31 514,0 |
261 834,5 |
- |
- |
|
others |
199,4 |
4 996,0 |
- |
- |
[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.
