Version ¹210 on 29/03/2021
As of March 01, 2021 actual origination of the payment cards were realized by 20 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 March 01, 2021 banks have issued 50,3 mln. payment cards and a number of card holders reached 40,2 mln. (in comparison with the situation on the same date of 2020, there is a growth of 43,6% and 28,6% respectively). The most widespread ones are the debit cards with the share of 73,8%, the share of credit cards – 23,3%. The share of debit cards with credit limit and share of prepaid cards is 2,9%.
In January-February 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 10,4 trln. Tenge. The number of transactions amounted to – 744,6 million transactions.
At the same time, the number of non-cash transactions increased 2,2 times (the number amounted to 703,1 million units) and the amount (2,3 times the volume amounted to 7,7 trln. tenge). Card holders conducted 41,4 million withdrawals in the amount of 2663,7 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 20,7% and 11,1%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (65,7% and 82,0% out of the total number of payments and volume of cashless payments) and POS-terminals (34,2% and 17,5% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,6% and 89,2% 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 01.03.2020 |
As of 01.03.2021 |
|
Total number of cards in circulation (thousand), of which: |
35 031,0 |
50 299,4 |
|
local systems |
6 701,1 |
15 178,6 |
|
international systems, of which: |
28 329,9 |
35 120,7 |
|
Visa International, of which: |
16 327,8 |
23 820,1 |
|
debit |
10 046,3 |
17 753,3 |
|
credit |
5 017,1 |
4 686,8 |
|
Debit cards with credit limit and prepaid |
1 264,4 |
1 380,0 |
|
MasterCard Worldwide, of which: |
10 697,8 |
9 791,5 |
|
debit |
10 320,8 |
9 280,4 |
|
credit |
255,5 |
253,8 |
|
Debit cards with credit limit and prepaid |
121,5 |
257,4 |
|
Number of card holders (thousand), of which: |
31 308,2 |
40 249,5 |
|
local systems |
5 655,9 |
11 050,5 |
|
international systems, of which: |
25 652,3 |
29 199,0 |
|
Visa International, of which: |
14 301,9 |
18 687,7 |
|
MasterCard Worldwide, of which: |
10 091,4 |
8 935,1 |
|
Number of used cards (thousand), of which: |
19 969,6 |
27 319,6 |
|
local systems |
5 376,5 |
10 140,4 |
|
international systems, of which: |
14 593,1 |
17 179,2 |
|
Visa International, of which: |
6 952,6 |
10 430,6 |
|
debit |
4 774,2 |
8 669,5 |
|
credit |
1 590,5 |
1 422,0 |
|
ADebit cards with credit limit and prepaid |
587,9 |
339,1 |
|
MasterCard Worldwide, of which: |
6 934,1 |
5 992,5 |
|
debit |
6 798,9 |
5 886,1 |
|
credit |
90,2 |
75,2 |
|
Debit cards with credit limit and prepaid |
45,0 |
31,1 |
|
Quarterly specifications |
As of 01.01.2020 |
As of 01.12.2021 |
|
Number of POS - terminals (units), of which: |
135 796 |
170 410 |
|
commercial enterprises |
126 979 |
161 690 |
|
banks |
8 817 |
8 720 |
|
Number of ATM (units) , of which: |
11 017 |
11 315 |
|
with cash distribution function |
7 956 |
6 749 |
|
with cash reception and distribution functions |
3 061 |
4 566 |
|
Number of commercial enterprises (units) |
82 527 |
96 428 |
|
Number of users of online bank service(thousand units)[1] |
17 257 |
16 352 |
|
Table 2 |
|||||||
|
Specifications |
As of 01.03.2021 |
||||||
|
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. |
37 122 |
11 701 |
1 476 |
40 249 |
22 642 |
4 307 |
370 |
|
Akmola region |
919 |
274 |
60 |
1 020 |
531 |
82 |
14 |
|
Aktobe region |
1 618 |
598 |
76 |
1 768 |
943 |
208 |
17 |
|
Almaty region |
1 772 |
424 |
97 |
1 915 |
1 000 |
156 |
14 |
|
Atyrau region |
1 484 |
475 |
58 |
1 549 |
850 |
167 |
13 |
|
East Kazakhstan reg. |
2 160 |
755 |
120 |
2 421 |
1 248 |
238 |
27 |
|
Jambul region |
1 507 |
480 |
78 |
1 677 |
888 |
171 |
10 |
|
West Kazakhstan reg. |
1 113 |
411 |
52 |
1 235 |
677 |
129 |
10 |
|
Karaganda region |
2 567 |
832 |
172 |
2 871 |
1 524 |
286 |
68 |
|
Kostanai region |
1 293 |
421 |
57 |
1 406 |
767 |
125 |
13 |
|
Kyzylorda region |
1 202 |
410 |
71 |
1 316 |
679 |
171 |
20 |
|
Mangistau region |
1 418 |
466 |
50 |
1 466 |
805 |
178 |
11 |
|
Pavlodar region |
1 329 |
476 |
69 |
1 483 |
803 |
149 |
14 |
|
North Kazakhstan reg. |
710 |
208 |
32 |
769 |
403 |
60 |
9 |
|
Turkestan reg. |
1 602 |
121 |
79 |
1 523 |
887 |
52 |
9 |
|
Shimkent city |
2 286 |
1 194 |
53 |
2 874 |
1 363 |
460 |
14 |
|
Almaty city |
10 839 |
3 070 |
252 |
11 401 |
7 263 |
1 279 |
87 |
|
Nur-Sultan city |
3 304 |
1 088 |
98 |
3 554 |
2 013 |
396 |
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-February |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
307 250,5 |
52 315,6 |
|
local systems |
174 096,0 |
1 178,5 |
|
international systems, of which: |
133 154,5 |
51 137,1 |
|
Visa International |
38 087,8 |
19 929,3 |
|
MasterCard Worldwide |
94 387,5 |
29 098,9 |
|
Volume (mln.tenge), of which; |
3 558 780,5 |
2 397 028,2 |
|
local systems |
2 321 221,3 |
31 275,3 |
|
international systems, of which: |
1 237 559,1 |
2 365 752,9 |
|
Visa International |
600 079,8 |
1 175 782,4 |
|
MasterCard Worldwide |
628 510,2 |
1 089 701,3 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
703 127,3 |
41 478,4 |
|
local systems |
534 896,3 |
2 239,0 |
|
international systems, of which: |
168 231,0 |
39 239,3 |
|
Visa International |
89 028,0 |
22 402,4 |
|
MasterCard Worldwide |
77 943,6 |
15 017,1 |
|
Volume (mln.tenge), of which; |
7 769 822,8 |
2 663 696,5 |
|
local systems |
5 885 144,5 |
105 455,5 |
|
international systems, of which: |
1 884 678,3 |
2 558 240,9 |
|
Visa International |
1 186 503,3 |
1 518 983,9 |
|
MasterCard Worldwide |
680 452,2 |
935 123,3 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
695 050,4 |
7 655 391,4 |
42 377,6 |
2 690 353,2 |
|
Akmola region |
9 882,5 |
94 619,1 |
1 328,7 |
67 273,0 |
|
Aktobe region |
28 028,2 |
253 551,8 |
2 077,9 |
109 459,1 |
|
Almaty region |
21 754,7 |
225 392,4 |
2 990,7 |
157 319,7 |
|
Atyrau region |
25 900,9 |
286 809,8 |
1 639,9 |
109 525,4 |
|
East Kazakhstan reg. |
22 726,8 |
224 859,5 |
3 373,6 |
172 781,4 |
|
Jambul region |
21 860,8 |
214 583,3 |
2 108,4 |
112 837,0 |
|
West Kazakhstan reg. |
15 521,9 |
162 975,1 |
1 600,7 |
81 436,6 |
|
Karaganda region |
37 555,7 |
371 407,0 |
3 573,9 |
195 030,3 |
|
Kostanai region |
16 059,4 |
144 160,8 |
1 821,9 |
95 413,8 |
|
Kyzylorda region |
16 786,4 |
164 787,1 |
1 563,5 |
82 377,5 |
|
Mangistau region |
25 886,7 |
292 282,3 |
1 746,7 |
145 655,6 |
|
Pavlodar region |
17 582,0 |
159 978,2 |
2 041,6 |
104 477,6 |
|
North Kazakhstan reg. |
5 935,7 |
58 752,4 |
1 110,2 |
54 072,5 |
|
Turkestan reg. |
15 328,1 |
180 031,8 |
2 039,8 |
119 776,4 |
|
Almaty city |
276 653,9 |
3 311 897,6 |
7 009,9 |
588 644,8 |
|
Nur-Sultan city |
92 750,0 |
985 589,8 |
3 566,2 |
304 684,5 |
|
Shimkent city |
44 836,7 |
523 713,2 |
2 783,9 |
189 587,8 |
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-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
695 050,4 |
7 655 391,4 |
42 021,7 |
2 690 351,8 |
|
POS - terminal |
245 849,0 |
1 357 700,0 |
579,1 |
288 262,0 |
|
ATM |
304,0 |
16 958,8 |
41 798,5 |
2 402 089,8 |
|
Internet and mobile phone |
448 896,4 |
6 280 602,9 |
- |
- |
|
Payment terminals |
1,0 |
129,7 |
- |
- |
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-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
9 520,0 |
105 444,0 |
535,2 |
29 207,0 |
|
POS - terminal |
4 891,7 |
63 752,6 |
5,6 |
1 658,8 |
|
ATM |
2,2 |
95,0 |
529,6 |
27 548,2 |
|
Internet and mobile phone |
4 603,0 |
40 756,9 |
|
|
|
others |
23,0 |
839,4 |
|
|
|
2021 |
||||
|
Total, incl. |
12 783,9 |
119 080,0 |
363,4 |
24 015,4 |
|
POS - terminal |
4 331,3 |
52 816,9 |
6,0 |
1 260,9 |
|
ATM |
2,4 |
141,2 |
357,4 |
22 754,5 |
|
Internet and mobile phone |
8 416,8 |
65 323,4 |
- |
- |
|
others |
33,4 |
798,5 |
- |
- |
[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.
