Version ¹213 on 28/06/2021
As of June 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 June 01, 2021 banks have issued 53,7 mln. The most widespread ones are the debit cards with the share of 73,0%, the share of credit cards – 24,2%. The share of debit cards with credit limit and share of prepaid cards is 2,8%.
In January-May 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 31,3 trln. Tenge. The number of transactions amounted to – 2193,1 million transactions.
At the same time, the number of non-cash transactions increased 2,6 times (the number amounted to 2080,6 million units) and the amount (2,4 times the volume amounted to 23,6 trln. tenge). Card holders conducted 123,9 million withdrawals in the amount of 7 682,3 billion tenge. There is a inrease in the number and volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 9,2% and 27,3%.
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (66,3% and 82,6% out of the total number of payments and volume of cashless payments) and POS-terminals (33,6% and 17,0% 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 87,5% 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 01.06.2020 |
As of 01.06.2021 |
|
Total number of cards in circulation (thousand), of which: |
38 820,1 |
53 699,0 |
|
local systems |
7 950,5 |
16 894,4 |
|
international systems, of which: |
30 869,6 |
36 804,7 |
|
Visa International, of which: |
18 201,1 |
25 811,4 |
|
debit |
12 124,8 |
19 590,8 |
|
credit |
4 884,0 |
4 729,0 |
|
Debit cards with credit limit and prepaid |
1 192,3 |
1 491,6 |
|
MasterCard Worldwide, of which: |
10 906,9 |
9 534,0 |
|
debit |
10 522,3 |
9 012,6 |
|
credit |
254,7 |
258,9 |
|
Debit cards with credit limit and prepaid |
129,8 |
262,5 |
|
Number of used cards (thousand), of which: |
21 235,8 |
25 645,2 |
|
local systems |
6 152,5 |
10 421,1 |
|
international systems, of which: |
15 083,3 |
15 224,1 |
|
Visa International, of which: |
7 137,7 |
9 306,6 |
|
debit |
5 795,8 |
8 633,7 |
|
credit |
919,9 |
333,6 |
|
ADebit cards with credit limit and prepaid |
421,9 |
339,3 |
|
MasterCard Worldwide, of which: |
7 010,5 |
5 131,9 |
|
debit |
6 893,7 |
5 044,6 |
|
credit |
74,0 |
85,8 |
|
Debit cards with credit limit and prepaid |
42,8 |
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 used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
39 217 |
12 986 |
1 495 |
22 245 |
3 059 |
341 |
|
Akmola region |
964 |
289 |
67 |
529 |
45 |
14 |
|
Aktobe region |
1 681 |
631 |
84 |
923 |
122 |
17 |
|
Almaty region |
1 894 |
450 |
109 |
996 |
85 |
16 |
|
Atyrau region |
1 541 |
504 |
67 |
822 |
96 |
14 |
|
East Kazakhstan reg. |
2 261 |
798 |
131 |
1 233 |
130 |
28 |
|
Jambul region |
1 569 |
507 |
88 |
849 |
89 |
11 |
|
West Kazakhstan reg. |
1 163 |
433 |
58 |
662 |
76 |
11 |
|
Karaganda region |
2 659 |
878 |
182 |
1 490 |
168 |
67 |
|
Kostanai region |
1 376 |
444 |
64 |
797 |
73 |
14 |
|
Kyzylorda region |
1 252 |
433 |
77 |
639 |
87 |
18 |
|
Mangistau region |
1 490 |
495 |
57 |
775 |
103 |
12 |
|
Pavlodar region |
1 386 |
503 |
76 |
803 |
89 |
15 |
|
North Kazakhstan reg. |
746 |
220 |
36 |
408 |
31 |
9 |
|
Turkestan reg. |
1 683 |
131 |
87 |
829 |
26 |
9 |
|
Shimkent city |
2 371 |
1 272 |
57 |
1 254 |
247 |
14 |
|
Almaty city |
11 773 |
3 850 |
147 |
7 269 |
1 318 |
48 |
|
Nur-Sultan city |
3 409 |
1 149 |
107 |
1 967 |
271 |
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 |
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|
Specifications |
January-May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
813 961,1 |
123 853,4 |
|
local systems |
493 465,2 |
3 005,8 |
|
international systems, of which: |
320 495,9 |
120 847,5 |
|
Visa International |
98 252,4 |
50 392,9 |
|
MasterCard Worldwide |
220 374,4 |
64 980,3 |
|
Volume (mln.tenge), of which; |
9 975 201,1 |
6 036 429,3 |
|
local systems |
6 797 855,8 |
90 777,0 |
|
international systems, of which: |
3 177 345,3 |
5 945 652,3 |
|
Visa International |
1 561 008,1 |
3 022 752,7 |
|
MasterCard Worldwide |
1 592 696,1 |
2 654 359,3 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
2 080 625,2 |
112 455,4 |
|
local systems |
1 621 989,6 |
6 754,4 |
|
international systems, of which: |
458 635,6 |
105 701,0 |
|
Visa International |
257 532,5 |
62 367,5 |
|
MasterCard Worldwide |
197 413,1 |
38 584,3 |
|
Volume (mln.tenge), of which; |
23 577 624,4 |
7 682 316,0 |
|
local systems |
18 097 248,7 |
344 652,8 |
|
international systems, of which: |
5 480 375,7 |
7 337 663,2 |
|
Visa International |
3 570 007,7 |
4 495 399,9 |
|
MasterCard Worldwide |
1 854 837,6 |
2 567 867,6 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
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|
Specifications |
January-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 056 800,4 |
23 255 874,1 |
114 448,2 |
7 737 910,1 |
|
Akmola region |
29 607,3 |
289 427,5 |
3 744,9 |
194 258,1 |
|
Aktobe region |
82 142,7 |
766 082,5 |
5 493,9 |
310 274,3 |
|
Almaty region |
66 544,0 |
717 617,0 |
8 028,2 |
447 347,2 |
|
Atyrau region |
76 176,5 |
908 613,6 |
4 364,2 |
322 215,2 |
|
East Kazakhstan reg. |
67 558,2 |
670 570,1 |
9 265,1 |
489 736,6 |
|
Jambul region |
65 004,5 |
649 571,0 |
5 679,0 |
319 687,4 |
|
West Kazakhstan reg. |
46 103,8 |
495 565,9 |
4 363,2 |
230 599,3 |
|
Karaganda region |
109 947,4 |
1 137 419,4 |
9 777,0 |
555 161,3 |
|
Kostanai region |
48 825,1 |
437 588,4 |
5 020,6 |
271 514,0 |
|
Kyzylorda region |
50 265,0 |
505 145,4 |
4 128,4 |
232 532,6 |
|
Mangistau region |
76 051,8 |
1 014 474,6 |
4 662,2 |
507 190,0 |
|
Pavlodar region |
51 956,2 |
481 912,7 |
5 636,5 |
291 442,1 |
|
North Kazakhstan reg. |
17 739,7 |
177 757,0 |
3 134,0 |
152 606,6 |
|
Turkestan reg. |
48 309,2 |
573 297,7 |
5 543,8 |
345 814,3 |
|
Almaty city |
816 340,8 |
9 951 834,1 |
18 635,9 |
1 672 430,2 |
|
Nur-Sultan city |
268 836,3 |
2 883 360,4 |
9 574,1 |
850 862,1 |
|
Shimkent city |
135 391,9 |
1 595 636,8 |
7 397,2 |
544 239,1 |
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-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 056 800,4 |
23 255 874,1 |
114 448,2 |
7 737 910,1 |
|
POS - terminal |
712 660,1 |
4 015 869,3 |
1 515,3 |
965 203,7 |
|
ATM |
747,7 |
47 666,1 |
112 932,9 |
6 772 706,4 |
|
Internet and mobile phone |
1 343 390,4 |
19 192 082,1 |
- |
- |
|
Payment terminals |
2,1 |
256,7 |
- |
- |
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-May |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
22 819,0 |
207 260,5 |
1 134,9 |
65 404,1 |
|
POS - terminal |
10 462,1 |
109 107,7 |
11,6 |
3 295,3 |
|
ATM |
5,1 |
225,0 |
1 123,3 |
62 108,8 |
|
Internet and mobile phone |
12 272,9 |
95 710,8 |
|
|
|
others |
79,0 |
2 217,1 |
|
|
|
2021 |
||||
|
Total, incl. |
33 302,4 |
338 277,5 |
1 050,4 |
69 391,1 |
|
POS - terminal |
12 268,1 |
158 310,7 |
12,9 |
3 219,0 |
|
ATM |
5,9 |
354,0 |
1 037,5 |
66 172,1 |
|
Internet and mobile phone |
20 929,7 |
177 379,0 |
- |
- |
|
others |
98,6 |
2 233,8 |
- |
- |
[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.
