Version ¹211 on 26/04/2021
As of April 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 51,5 mln. payment cards and a number of card holders reached 40,8 mln. (in comparison with the situation on the same date of 2020, there is a growth of 43,9% and 35,1% respectively). The most widespread ones are the debit cards with the share of 73,5%, the share of credit cards – 23,5%. The share of debit cards with credit limit and share of prepaid cards is 3,0%.
In January-March 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17,0 trln. Tenge. The number of transactions amounted to – 1 199,6 million transactions.
At the same time, the number of non-cash transactions increased 2,4 times (the number amounted to 1134,1 million units) and the amount (2,2 times the volume amounted to 12,7 trln. tenge). Card holders conducted 65,4 million withdrawals in the amount of 4 292,2 billion tenge. There is a decrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 18,1% and 15,2%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (65,8% and 81,9% out of the total number of payments and volume of cashless payments) and POS-terminals (34,1% and 17,7% 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 88,0% 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 |
||
|
Specifications |
As of 01.04.2020 |
As of 01.04.2021 |
|
Total number of cards in circulation (thousand), of which: |
35 797,6 |
51 502,6 |
|
local systems |
6 952,0 |
15 724,7 |
|
international systems, of which: |
28 845,6 |
35 777,9 |
|
Visa International, of which: |
16 703,7 |
24 570,4 |
|
debit |
10 371,9 |
18 435,0 |
|
credit |
4 977,0 |
4 710,7 |
|
Debit cards with credit limit and prepaid |
1 354,7 |
1 424,8 |
|
MasterCard Worldwide, of which: |
10 788,8 |
9 519,8 |
|
debit |
10 404,0 |
9 166,4 |
|
credit |
257,4 |
260,2 |
|
Debit cards with credit limit and prepaid |
127,4 |
93,2 |
|
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: |
20 679,5 |
27 523,8 |
|
local systems |
5 602,1 |
10 492,2 |
|
international systems, of which: |
15 077,4 |
17 031,6 |
|
Visa International, of which: |
7 371,6 |
10 548,1 |
|
debit |
5 112,7 |
8 901,4 |
|
credit |
1 636,0 |
1 291,4 |
|
ADebit cards with credit limit and prepaid |
622,9 |
355,2 |
|
MasterCard Worldwide, of which: |
6 964,4 |
5 709,9 |
|
debit |
6 824,7 |
5 594,0 |
|
credit |
92,2 |
87,5 |
|
Debit cards with credit limit and prepaid |
47,5 |
28,4 |
|
Quarterly specifications |
As of 01.04.2020 |
As of 01.04.2021 |
|
Number of POS - terminals (units), of which: |
169 537 |
333 165 |
|
commercial enterprises |
160 732 |
324 510 |
|
banks |
8 805 |
8 655 |
|
Number of ATM (units) , of which: |
11 973 |
12 652 |
|
with cash distribution function |
7 424 |
6 389 |
|
with cash reception and distribution functions |
4 549 |
6 263 |
|
Number of commercial enterprises (units) |
96 315 |
161 851 |
|
Number of users of online bank service(thousand units)[1] |
23 792 |
30 848 |
|
Table 2 |
|||||||
|
Specifications |
As of 01.04.2021 |
||||||
|
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. |
37 872 |
12 112 |
1 518 |
40 761 |
22 769 |
4 371 |
384 |
|
Akmola region |
937 |
278 |
62 |
1 028 |
541 |
85 |
15 |
|
Aktobe region |
1 639 |
609 |
78 |
1 774 |
953 |
200 |
17 |
|
Almaty region |
1 817 |
432 |
102 |
1 947 |
1 004 |
152 |
16 |
|
Atyrau region |
1 502 |
485 |
61 |
1 542 |
850 |
202 |
13 |
|
East Kazakhstan reg. |
2 196 |
768 |
125 |
2 433 |
1 263 |
251 |
28 |
|
Jambul region |
1 528 |
488 |
81 |
1 685 |
876 |
168 |
11 |
|
West Kazakhstan reg. |
1 128 |
418 |
54 |
1 240 |
685 |
130 |
11 |
|
Karaganda region |
2 601 |
847 |
174 |
2 902 |
1 535 |
288 |
70 |
|
Kostanai region |
1 334 |
428 |
59 |
1 432 |
789 |
130 |
14 |
|
Kyzylorda region |
1 219 |
419 |
73 |
1 322 |
663 |
167 |
20 |
|
Mangistau region |
1 445 |
478 |
53 |
1 470 |
803 |
184 |
11 |
|
Pavlodar region |
1 350 |
486 |
72 |
1 488 |
814 |
154 |
15 |
|
North Kazakhstan reg. |
721 |
211 |
34 |
774 |
415 |
66 |
10 |
|
Turkestan reg. |
1 627 |
124 |
82 |
1 534 |
865 |
53 |
9 |
|
Shimkent city |
2 314 |
1 222 |
54 |
2 877 |
1 326 |
445 |
14 |
|
Almaty city |
11 180 |
3 312 |
252 |
11 841 |
7 359 |
1 307 |
86 |
|
Nur-Sultan city |
3 336 |
1 107 |
102 |
3 471 |
2 026 |
389 |
23 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.2021 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
333 165 |
12 652 |
161 851 |
236 089 |
|
Akmola region |
8 131 |
410 |
4 230 |
6 175 |
|
Aktobe region |
15 384 |
585 |
7 430 |
10 924 |
|
Almaty region |
8 466 |
516 |
3 578 |
5 801 |
|
Atyrau region |
10 287 |
656 |
5 119 |
7 481 |
|
East Kazakhstan reg. |
18 582 |
941 |
8 527 |
13 197 |
|
Jambul region |
8 078 |
513 |
3 267 |
5 384 |
|
West Kazakhstan reg. |
10 861 |
458 |
4 850 |
7 389 |
|
Karaganda region |
28 102 |
1 026 |
13 526 |
19 648 |
|
Kostanai region |
16 505 |
495 |
9 003 |
12 914 |
|
Kyzylorda region |
6 220 |
429 |
2 782 |
4 389 |
|
Mangistau region |
12 492 |
596 |
5 963 |
9 014 |
|
Pavlodar region |
15 800 |
635 |
7 329 |
11 488 |
|
North Kazakhstan reg. |
6 624 |
333 |
2 868 |
4 861 |
|
Turkestan reg. and Shimkent city |
22 185 |
1 109 |
11 327 |
15 723 |
|
Almaty city |
90 627 |
2 486 |
43 026 |
61 806 |
|
Nur-Sultan city |
54 821 |
1 464 |
29 026 |
39 895 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
474 978,0 |
79 813,0 |
|
local systems |
272 145,3 |
1 856,4 |
|
international systems, of which: |
202 832,7 |
77 956,6 |
|
Visa International |
59 319,8 |
31 047,7 |
|
MasterCard Worldwide |
142 489,5 |
43 736,5 |
|
Volume (mln.tenge), of which; |
5 760 512,2 |
3 726 924,9 |
|
local systems |
3 813 853,9 |
50 937,8 |
|
international systems, of which: |
1 946 658,3 |
3 675 987,1 |
|
Visa International |
955 643,2 |
1 840 253,8 |
|
MasterCard Worldwide |
977 248,5 |
1 683 040,0 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
1 134 158,5 |
65 400,7 |
|
local systems |
867 871,0 |
3 629,3 |
|
international systems, of which: |
266 287,6 |
61 771,4 |
|
Visa International |
143 472,2 |
35 672,7 |
|
MasterCard Worldwide |
120 777,7 |
23 297,4 |
|
Volume (mln.tenge), of which; |
12 692 719,6 |
4 292 161,8 |
|
local systems |
9 653 778,0 |
174 842,0 |
|
international systems, of which: |
3 038 941,6 |
4 117 319,8 |
|
Visa International |
1 932 339,9 |
2 458 006,7 |
|
MasterCard Worldwide |
1 077 125,1 |
1 498 645,8 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 120 246,8 |
12 507 884,2 |
66 639,6 |
4 329 059,8 |
|
Akmola region |
16 000,3 |
154 015,0 |
2 131,6 |
107 720,8 |
|
Aktobe region |
45 160,6 |
412 306,2 |
3 229,7 |
173 921,9 |
|
Almaty region |
35 175,0 |
369 936,9 |
4 716,6 |
250 741,8 |
|
Atyrau region |
41 668,0 |
475 653,5 |
2 572,1 |
176 987,5 |
|
East Kazakhstan reg. |
36 878,8 |
363 998,0 |
5 345,7 |
274 450,5 |
|
Jambul region |
35 510,9 |
350 276,1 |
3 307,5 |
179 692,6 |
|
West Kazakhstan reg. |
25 121,0 |
265 750,5 |
2 528,3 |
129 267,1 |
|
Karaganda region |
60 287,9 |
607 762,4 |
5 641,7 |
310 429,9 |
|
Kostanai region |
26 206,7 |
235 434,3 |
2 878,1 |
151 830,4 |
|
Kyzylorda region |
27 317,5 |
269 940,2 |
2 442,3 |
131 103,9 |
|
Mangistau region |
41 775,1 |
525 797,8 |
2 782,7 |
281 525,8 |
|
Pavlodar region |
28 513,9 |
261 960,1 |
3 236,7 |
165 167,8 |
|
North Kazakhstan reg. |
9 658,3 |
95 728,5 |
1 782,8 |
85 986,0 |
|
Turkestan reg. |
25 323,6 |
304 112,6 |
3 238,5 |
192 998,4 |
|
Almaty city |
444 525,1 |
5 362 230,3 |
10 841,4 |
928 770,8 |
|
Nur-Sultan city |
148 235,6 |
1 587 301,8 |
5 574,7 |
480 846,8 |
|
Shimkent city |
72 888,4 |
865 680,0 |
4 389,4 |
307 617,7 |
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-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 120 246,8 |
12 507 884,2 |
66 639,6 |
4 329 059,8 |
|
POS - terminal |
393 553,7 |
2 236 307,6 |
896,2 |
518 221,3 |
|
ATM |
460,4 |
26 973,1 |
65 743,3 |
3 810 838,5 |
|
Internet and mobile phone |
726 231,2 |
10 244 413,4 |
- |
- |
|
Payment terminals |
1,5 |
190,1 |
- |
- |
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-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
14 126,9 |
147 346,8 |
810,9 |
44 943,8 |
|
POS - terminal |
7 219,8 |
86 332,5 |
8,3 |
2 350,4 |
|
ATM |
3,2 |
134,7 |
802,6 |
42 593,4 |
|
Internet and mobile phone |
6 863,0 |
59 484,4 |
|
|
|
others |
41,0 |
1 395,3 |
|
|
|
2021 |
||||
|
Total, incl. |
19 921,3 |
190 928,6 |
588,3 |
38 782,5 |
|
POS - terminal |
6 983,0 |
88 107,6 |
8,3 |
1 825,1 |
|
ATM |
3,7 |
211,3 |
580,1 |
36 957,3 |
|
Internet and mobile phone |
12 879,8 |
101 312,5 |
- |
- |
|
others |
54,7 |
1 297,2 |
- |
- |
[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.
