Version ¹212 on 28/05/2021
As of May 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 May 01, 2021 banks have issued 52,6 mln. payment cards and a number of card holders reached 41,0 mln. The most widespread ones are the debit cards with the share of 73,4%, the share of credit cards – 23,9%. The share of debit cards with credit limit and share of prepaid cards is 2,7%.
In January-April 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 23,9 trln. Tenge. The number of transactions amounted to – 1 661,0 million transactions.
At the same time, the number of non-cash transactions increased 2,5 times (the number amounted to 1 572,4 million units) and the amount (2,4 times the volume amounted to 17,9 trln. tenge). Card holders conducted 88,6 million withdrawals in the amount of 5 992,2 billion tenge. There is a inrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 10,7% and 26,8%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (66,0% and 82,3% out of the total number of payments and volume of cashless payments) and POS-terminals (33,9% and 17,2% out of the total number of payments and volume of cashless payments). Transactions of cash withdrawals have been realized mainly through ATMs (98,7% and 95,4% 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 01.05.2020 |
As of 01.05.2021 |
|
Total number of cards in circulation (thousand), of which: |
37 796,0 |
52 559,2 |
|
local systems |
7 622,8 |
16 301,5 |
|
international systems, of which: |
30 173,3 |
36 257,7 |
|
Visa International, of which: |
17 625,4 |
25 220,8 |
|
debit |
11 511,7 |
19 052,4 |
|
credit |
4 915,8 |
4 721,5 |
|
Debit cards with credit limit and prepaid |
1 197,9 |
1 447,0 |
|
MasterCard Worldwide, of which: |
10 893,7 |
9 593,0 |
|
debit |
10 509,1 |
9 066,5 |
|
credit |
256,6 |
261,5 |
|
Debit cards with credit limit and prepaid |
128,0 |
265,0 |
|
Number of card holders (thousand), of which: |
32 331,8 |
40 975,9 |
|
local systems |
6 649,7 |
11 456,9 |
|
international systems, of which: |
25 682,2 |
29 519,0 |
|
Visa International, of which: |
14 786,5 |
19 257,5 |
|
MasterCard Worldwide, of which: |
9 761,0 |
8 656,1 |
|
Number of used cards (thousand), of which: |
20 468,9 |
26 079,7 |
|
local systems |
5 725,8 |
10 436,3 |
|
international systems, of which: |
14 743,1 |
15 643,5 |
|
Visa International, of which: |
6 865,1 |
9 677,0 |
|
debit |
5 477,0 |
8 707,5 |
|
credit |
965,9 |
624,8 |
|
ADebit cards with credit limit and prepaid |
422,2 |
344,7 |
|
MasterCard Worldwide, of which: |
6 983,5 |
5 176,3 |
|
debit |
6 866,8 |
5 082,2 |
|
credit |
76,9 |
92,6 |
|
Debit cards with credit limit and prepaid |
39,8 |
1,5 |
|
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 |
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|
Specifications |
As of 01.05.2021 |
||||||
|
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. |
38 563 |
12 545 |
1 451 |
40 976 |
22 201 |
3 533 |
346 |
|
Akmola region |
952 |
285 |
65 |
1 027 |
529 |
55 |
15 |
|
Aktobe region |
1 664 |
623 |
81 |
1 770 |
925 |
151 |
17 |
|
Almaty region |
1 857 |
442 |
105 |
1 955 |
983 |
101 |
16 |
|
Atyrau region |
1 522 |
495 |
64 |
1 543 |
823 |
114 |
14 |
|
East Kazakhstan reg. |
2 232 |
788 |
128 |
2 432 |
1 234 |
170 |
28 |
|
Jambul region |
1 551 |
499 |
85 |
1 681 |
853 |
106 |
11 |
|
West Kazakhstan reg. |
1 147 |
427 |
56 |
1 239 |
664 |
94 |
11 |
|
Karaganda region |
2 633 |
867 |
179 |
2 912 |
1 497 |
212 |
69 |
|
Kostanai region |
1 357 |
438 |
61 |
1 435 |
790 |
93 |
14 |
|
Kyzylorda region |
1 236 |
426 |
75 |
1 318 |
644 |
103 |
20 |
|
Mangistau region |
1 470 |
486 |
55 |
1 473 |
777 |
122 |
12 |
|
Pavlodar region |
1 366 |
497 |
74 |
1 482 |
797 |
112 |
16 |
|
North Kazakhstan reg. |
735 |
217 |
35 |
775 |
408 |
39 |
10 |
|
Turkestan reg. |
1 656 |
128 |
85 |
1 536 |
851 |
29 |
10 |
|
Shimkent city |
2 345 |
1 249 |
56 |
2 886 |
1 284 |
300 |
15 |
|
Almaty city |
11 465 |
3 545 |
145 |
12 040 |
7 182 |
1 394 |
47 |
|
Nur-Sultan city |
3 375 |
1 133 |
104 |
3 474 |
1 959 |
338 |
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-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
615 297,8 |
99 300,3 |
|
local systems |
362 390,0 |
2 293,9 |
|
international systems, of which: |
252 907,8 |
97 006,4 |
|
Visa International |
76 043,2 |
39 658,6 |
|
MasterCard Worldwide |
175 458,5 |
53 091,1 |
|
Volume (mln.tenge), of which; |
7 567 097,1 |
4 726 475,1 |
|
local systems |
5 077 490,6 |
65 439,0 |
|
international systems, of which: |
2 489 606,5 |
4 661 036,1 |
|
Visa International |
1 227 396,6 |
2 358 568,7 |
|
MasterCard Worldwide |
1 243 600,0 |
2 096 214,0 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
1 572 366,8 |
88 635,3 |
|
local systems |
1 212 382,4 |
5 102,6 |
|
international systems, of which: |
359 984,3 |
83 532,7 |
|
Visa International |
198 136,3 |
48 761,2 |
|
MasterCard Worldwide |
159 012,2 |
30 995,9 |
|
Volume (mln.tenge), of which; |
17 889 218,5 |
5 992 084,8 |
|
local systems |
13 659 804,5 |
252 968,3 |
|
international systems, of which: |
4 229 414,0 |
5 739 116,6 |
|
Visa International |
2 726 483,8 |
3 472 028,0 |
|
MasterCard Worldwide |
1 460 970,1 |
2 049 451,2 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 553 694,8 |
17 639 447,3 |
90 311,7 |
6 040 084,1 |
|
Akmola region |
22 277,5 |
217 841,8 |
2 919,9 |
150 306,4 |
|
Aktobe region |
62 277,4 |
578 030,6 |
4 342,6 |
241 680,8 |
|
Almaty region |
49 832,5 |
530 612,4 |
6 360,1 |
347 951,6 |
|
Atyrau region |
57 828,3 |
681 440,8 |
3 464,0 |
250 458,9 |
|
East Kazakhstan reg. |
51 412,4 |
511 072,6 |
7 297,2 |
382 400,7 |
|
Jambul region |
49 111,3 |
490 562,7 |
4 462,2 |
247 629,2 |
|
West Kazakhstan reg. |
34 829,3 |
374 414,6 |
3 440,2 |
179 794,6 |
|
Karaganda region |
83 537,7 |
860 475,4 |
7 701,0 |
433 196,6 |
|
Kostanai region |
36 767,1 |
332 583,9 |
3 939,4 |
211 779,8 |
|
Kyzylorda region |
37 761,9 |
379 936,9 |
3 285,7 |
181 516,8 |
|
Mangistau region |
58 016,4 |
771 979,4 |
3 739,6 |
409 925,2 |
|
Pavlodar region |
39 328,4 |
367 246,5 |
4 424,7 |
228 055,7 |
|
North Kazakhstan reg. |
13 424,6 |
134 756,5 |
2 445,9 |
118 850,4 |
|
Turkestan reg. |
35 803,1 |
426 783,7 |
4 379,8 |
267 564,6 |
|
Almaty city |
615 856,7 |
7 568 928,7 |
14 655,9 |
1 297 478,1 |
|
Nur-Sultan city |
203 823,0 |
2 204 730,6 |
7 546,6 |
666 338,0 |
|
Shimkent city |
101 807,0 |
1 208 050,1 |
5 907,0 |
425 156,7 |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 553 694,8 |
17 639 447,3 |
90 311,7 |
6 040 084,1 |
|
POS - terminal |
543 576,9 |
3 083 066,8 |
1 218,9 |
764 774,8 |
|
ATM |
610,3 |
37 304,9 |
89 092,8 |
5 275 309,3 |
|
Internet and mobile phone |
1 009 505,8 |
14 518 846,9 |
- |
- |
|
Payment terminals |
1,9 |
228,6 |
- |
- |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
18 219,5 |
173 416,0 |
968,0 |
54 897,7 |
|
POS - terminal |
8 734,0 |
96 433,8 |
9,9 |
2 814,5 |
|
ATM |
4,2 |
181,4 |
958,1 |
52 083,2 |
|
Internet and mobile phone |
9 421,5 |
74 987,5 |
|
|
|
others |
59,9 |
1 813,3 |
|
|
|
2021 |
||||
|
Total, incl. |
26 631,0 |
262 377,6 |
814,1 |
54 072,9 |
|
POS - terminal |
9 572,1 |
122 260,7 |
10,5 |
2 469,4 |
|
ATM |
4,8 |
283,5 |
803,6 |
51 603,5 |
|
Internet and mobile phone |
16 979,1 |
138 065,5 |
- |
- |
|
others |
75,1 |
1 767,8 |
- |
- |
[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.
