Version ¹208 on 28/01/2021
As of January 01, 2021 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 January 01, 2021 banks have issued 48,0 mln. payment cards and a number of card holders reached 39,2 mln. (in comparison with the situation on the same date of 2019, there is a growth of 49,7% and 31,6% respectively). The most widespread ones are the debit cards with the share of 74,3%, the share of credit cards – 22,8%. The share of debit cards with credit limit and share of prepaid cards is 2,5% and 0,4% respectively.
In January-December 2020, the volume of transactions using payment cards of Kazakhstani issuers amounted to 51,9 trln. Tenge. The number of transactions amounted to – 3175,9 million transactions.
At the same time, the number of non-cash transactions increased 2,4 times (the number amounted to 2 878,5 million units) and the amount (the volume amounted to 35,3 trln. tenge). Card holders conducted 297,4 million withdrawals in the amount of 16,6 trln. tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2019 by 20,9% and 1,8%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (61,0% and 81,2% out of the total number of payments and volume of cashless payments) and POS-terminals (39,0% 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 91,7% 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 01.01.2020 |
As of 01.01.2021 |
|
Total number of cards in circulation (thousand), of which: |
32 048,3 |
47 965,7 |
|
local systems |
5 019,5 |
14 057,3 |
|
international systems, of which: |
27 028,8 |
33 908,4 |
|
Visa International, of which: |
16 103,9 |
22 348,5 |
|
debit |
9 878,8 |
16 414,8 |
|
credit |
5 084,2 |
4 616,9 |
|
Debit cards with credit limit and prepaid |
1 140,9 |
1 316,8 |
|
MasterCard Worldwide, of which: |
9 615,9 |
9 936,1 |
|
debit |
9 454,0 |
9 588,9 |
|
credit |
49,6 |
250,2 |
|
Debit cards with credit limit and prepaid |
112,4 |
96,9 |
|
Number of card holders (thousand), of which: |
29 793,3 |
39 208,2 |
|
local systems |
4 932,1 |
10 612,7 |
|
international systems, of which: |
24 861,2 |
28 595,5 |
|
Visa International, of which: |
14 352,6 |
17 852,3 |
|
MasterCard Worldwide, of which: |
9 219,8 |
9 206,9 |
|
Number of used cards (thousand), of which: |
18 176,4 |
26 779,2 |
|
local systems |
4 189,8 |
9 634,7 |
|
international systems, of which: |
13 986,6 |
17 144,5 |
|
Visa International, of which: |
6 888,7 |
10 101,9 |
|
debit |
4 556,7 |
8 169,6 |
|
credit |
1 783,7 |
1 577,6 |
|
Debit cards with credit limit and prepaid |
548,2 |
354,7 |
|
MasterCard Worldwide, of which: |
6 398,3 |
6 301,1 |
|
debit |
6 325,6 |
6 185,8 |
|
credit |
29,7 |
78,8 |
|
Debit cards with credit limit and prepaid |
43,0 |
36,4 |
|
Quarterly specifications |
As of 01.01.2020 |
As of 01.12.2021 |
|
Number of POS - terminals (units), of which: |
170 410 |
211 764 |
|
commercial enterprises |
161 690 |
202 979 |
|
banks |
8 720 |
8 785 |
|
Number of ATM (units) , of which: |
11 315 |
12 728 |
|
with cash distribution function |
6 749 |
6 551 |
|
with cash reception and distribution functions |
4 566 |
6 177 |
|
Number of commercial enterprises (units) |
96 428 |
108 159 |
|
Number of users of online bank service(thousand units)[1] |
19 701 |
28 730 |
|
Table 2 |
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|
Specifications |
As of 01.01.2021 |
||||||
|
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. |
35 633 |
10 919 |
1 414 |
39 208 |
22 082 |
4 306 |
391 |
|
Akmola region |
858 |
259 |
57 |
977 |
512 |
84 |
15 |
|
Aktobe region |
1 580 |
571 |
73 |
1 757 |
953 |
216 |
18 |
|
Almaty region |
1 681 |
400 |
90 |
1 819 |
978 |
153 |
15 |
|
Atyrau region |
1 458 |
451 |
56 |
1 545 |
859 |
169 |
13 |
|
East Kazakhstan reg. |
2 108 |
712 |
115 |
2 399 |
1 263 |
239 |
26 |
|
Jambul region |
1 464 |
457 |
74 |
1 661 |
894 |
174 |
10 |
|
West Kazakhstan reg. |
1 089 |
389 |
49 |
1 226 |
683 |
133 |
10 |
|
Karaganda region |
2 502 |
793 |
162 |
2 793 |
1 531 |
299 |
69 |
|
Kostanai region |
1 255 |
399 |
53 |
1 382 |
754 |
128 |
13 |
|
Kyzylorda region |
1 164 |
391 |
69 |
1 301 |
683 |
171 |
22 |
|
Mangistau region |
1 379 |
446 |
46 |
1 456 |
805 |
185 |
11 |
|
Pavlodar region |
1 304 |
455 |
66 |
1 473 |
812 |
157 |
15 |
|
North Kazakhstan reg. |
687 |
196 |
31 |
755 |
408 |
60 |
10 |
|
Turkestan reg. and Shimkent city |
3 768 |
1 255 |
126 |
4 344 |
2 253 |
528 |
24 |
|
Almaty city |
10 049 |
2 712 |
254 |
10 760 |
6 647 |
1 211 |
99 |
|
Nur-Sultan city |
3 287 |
1 034 |
93 |
3 562 |
2 049 |
400 |
22 |
|
Table 3 |
||||
|
Specifications |
As of 01.01.2021 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
211 764 |
12 728 |
108 159 |
169 886 |
|
Akmola region |
5 585 |
391 |
3 185 |
4 756 |
|
Aktobe region |
9 210 |
589 |
4 719 |
7 603 |
|
Almaty region |
5 220 |
531 |
2 257 |
3 796 |
|
Atyrau region |
6 355 |
653 |
3 261 |
5 263 |
|
East Kazakhstan reg. |
12 326 |
955 |
5 933 |
9 891 |
|
Jambul region |
4 798 |
506 |
1 699 |
3 472 |
|
West Kazakhstan reg. |
6 639 |
464 |
3 155 |
5 262 |
|
Karaganda region |
16 771 |
1 041 |
8 869 |
14 070 |
|
Kostanai region |
12 238 |
493 |
7 123 |
10 729 |
|
Kyzylorda region |
3 832 |
425 |
1 611 |
3 110 |
|
Mangistau region |
7 308 |
604 |
3 524 |
6 112 |
|
Pavlodar region |
11 221 |
630 |
5 663 |
9 150 |
|
North Kazakhstan reg. |
4 994 |
339 |
2 218 |
3 875 |
|
Turkestan reg. and Shimkent city |
10 329 |
1 092 |
4 608 |
7 851 |
|
Almaty city |
59 189 |
2 463 |
29 964 |
46 008 |
|
Nur-Sultan city |
35 749 |
1 552 |
20 370 |
28 938 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2019 |
||
|
Number of transactions (thousand) of which; |
1 195 626,6 |
375 828,5 |
|
local systems |
345 351,1 |
6 042,6 |
|
international systems, of which: |
850 275,4 |
369 785,9 |
|
Visa International |
225 845,7 |
147 768,3 |
|
MasterCard Worldwide |
619 030,0 |
207 097,1 |
|
Volume (mln.tenge), of which; |
14 050 810,0 |
16 324 576,7 |
|
local systems |
4 916 831,7 |
286 336,7 |
|
international systems, of which: |
9 133 978,3 |
16 038 240,1 |
|
Visa International |
3 681 473,5 |
8 036 068,2 |
|
MasterCard Worldwide |
5 354 718,2 |
7 320 578,3 |
|
2020 |
||
|
Number of transactions (thousand) of which; |
2 878 476,0 |
297 390,3 |
|
local systems |
1 979 329,9 |
9 846,1 |
|
international systems, of which: |
899 146,1 |
287 544,2 |
|
Visa International |
340 276,6 |
134 965,5 |
|
MasterCard Worldwide |
553 572,7 |
140 109,3 |
|
Volume (mln.tenge), of which; |
35 294 805,6 |
16 620 486,8 |
|
local systems |
25 635 425,6 |
392 452,2 |
|
international systems, of which: |
9 659 380,0 |
16 228 034,6 |
|
Visa International |
5 179 820,3 |
8 713 007,5 |
|
MasterCard Worldwide |
4 410 663,6 |
6 870 991,1 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-December 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 818 601,2 |
34 589 053,1 |
302 106,5 |
16 746 813,3 |
|
Akmola region |
43 274,9 |
462 084,2 |
9 585,6 |
440 746,9 |
|
Aktobe region |
119 117,4 |
1 224 273,0 |
14 939,0 |
703 133,0 |
|
Almaty region |
113 795,6 |
1 358 803,2 |
20 607,2 |
1 000 896,7 |
|
Atyrau region |
111 979,1 |
1 396 753,1 |
12 312,3 |
708 611,7 |
|
East Kazakhstan reg. |
92 955,3 |
1 055 087,1 |
23 684,2 |
1 106 956,3 |
|
Jambul region |
84 827,7 |
957 035,2 |
15 020,4 |
710 770,5 |
|
West Kazakhstan reg. |
67 264,5 |
815 574,2 |
11 606,8 |
529 654,8 |
|
Karaganda region |
168 389,9 |
1 841 269,7 |
25 402,3 |
1 268 474,7 |
|
Kostanai region |
75 348,7 |
747 290,2 |
13 066,7 |
623 659,3 |
|
Kyzylorda region |
67 759,3 |
756 499,8 |
11 322,8 |
541 689,8 |
|
Mangistau region |
106 997,1 |
1 217 129,5 |
12 693,0 |
781 191,7 |
|
Pavlodar region |
81 520,6 |
818 252,0 |
14 738,9 |
670 928,9 |
|
North Kazakhstan reg. |
27 270,1 |
305 303,6 |
7 794,3 |
352 814,4 |
|
Turkestan reg. and Shimkent city |
219 416,5 |
3 084 048,0 |
34 658,6 |
1 944 734,6 |
|
Almaty city |
981 543,1 |
13 528 732,3 |
48 876,4 |
3 528 224,5 |
|
Nur-Sultan city |
457 141,5 |
5 020 918,1 |
25 798,0 |
1 834 325,4 |
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 2020 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 818 601,2 |
34 589 053,1 |
302 106,5 |
16 746 813,3 |
|
POS - terminal |
1 142 685,5 |
6 278 473,6 |
3 639,7 |
1 397 013,3 |
|
ATM |
3 334,4 |
140 122,2 |
298 466,8 |
15 349 800,0 |
|
Internet and mobile phone |
1 672 575,6 |
28 170 017,5 |
- |
- |
|
Payment terminals |
5,7 |
439,8 |
- |
- |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2019 |
||||
|
Total, incl. |
49 246,9 |
636 565,9 |
3 194,4 |
218 334,7 |
|
POS - terminal |
32 075,6 |
439 066,6 |
26,5 |
9 425,0 |
|
ATM |
85,7 |
1 091,4 |
3 167,9 |
208 909,6 |
|
Internet and mobile phone |
16 999,9 |
192 928,2 |
|
|
|
others |
85,7 |
3 479,8 |
|
|
|
2020 |
||||
|
Total, incl. |
61 493,9 |
581 573,2 |
2 462,7 |
161 800,1 |
|
POS - terminal |
24 974,8 |
276 913,8 |
26,7 |
8 001,7 |
|
ATM |
13,8 |
745,8 |
2 436,1 |
153 798,4 |
|
Internet and mobile phone |
36 279,3 |
298 339,1 |
- |
- |
|
others |
226,0 |
5 574,4 |
- |
- |
[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.
