As of Juy 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 54,0 mln. The most widespread ones are the debit cards with the share of 71,3%, the share of credit cards – 25,8%. The share of debit cards with credit limit and share of prepaid cards is 2,8%.
In January-June 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 39,6 trln. Tenge. The number of transactions amounted to – 2726,4 million transactions.
At the same time, the number of non-cash transactions increased 2,5 times (the number amounted to 2589,3 million units) and the amount (2,3 times the volume amounted to 29,8 trln. tenge). Card holders conducted 137,1 million withdrawals in the amount of 9 816,3 billion tenge. There is a increase in the volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 30,6%. However, there is a decrease in the number of operations compared to the corresponding indicator of 2020 by 8,6%
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (67,2% and 83,1% out of the total number of payments and volume of cashless payments) and POS-terminals (32,7% and 16,4% 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 87,8% 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 01.07.2020 |
As of 01.07.2021 |
|
Total number of cards in circulation (thousand), of which: |
40 194,9 |
54 041,2 |
|
local systems |
8 741,6 |
18 238,9 |
|
international systems, of which: |
31 453,2 |
35 802,3 |
|
Visa International, of which: |
18 884,4 |
25 894,2 |
|
debit |
12 738,9 |
19 598,2 |
|
credit |
4 789,0 |
4 761,9 |
|
Debit cards with credit limit and prepaid |
1 356,6 |
1 534,1 |
|
MasterCard Worldwide, of which: |
10 765,6 |
8 211,0 |
|
debit |
10 377,6 |
8 137,6 |
|
credit |
254,2 |
34,9 |
|
Debit cards with credit limit and prepaid |
133,8 |
38,5 |
|
Number of used cards (thousand), of which: |
21 556,0 |
26 061,5 |
|
local systems |
6 457,5 |
11 571,0 |
|
international systems, of which: |
15 098,5 |
14 490,6 |
|
Visa International, of which: |
7 423,0 |
9 186,8 |
|
debit |
5 883,6 |
8 491,5 |
|
credit |
964,3 |
352,2 |
|
ADebit cards with credit limit and prepaid |
575,1 |
343,0 |
|
MasterCard Worldwide, of which: |
6 886,1 |
4 526,8 |
|
debit |
6 760,6 |
4 506,7 |
|
credit |
80,6 |
18,7 |
|
Debit cards with credit limit and prepaid |
45,0 |
1,4 |
|
Quarterly specifications |
As of 01.07.2020 |
As of 01.07.2021 |
|
Number of POS - terminals (units), of which: |
190 639 |
356 258 |
|
commercial enterprises |
181 893 |
347 660 |
|
banks |
8 746 |
8 598 |
|
Number of ATM (units) , of which: |
12 108 |
12 771 |
|
with cash distribution function |
7 197 |
6 864 |
|
with cash reception and distribution functions |
4 911 |
5 907 |
|
Number of commercial enterprises (units) |
101 456 |
210 760 |
|
Number of users of online bank service(thousand units)[1] |
25 262 |
32 322 |
|
Table 2 |
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|
Specifications |
As of 01.07.2021 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
38 553 |
13 950 |
1 538 |
22 274 |
3 280 |
345 |
|
Akmola region |
957 |
289 |
69 |
522 |
52 |
14 |
|
Aktobe region |
1 592 |
637 |
87 |
889 |
144 |
16 |
|
Almaty region |
1 895 |
452 |
113 |
992 |
99 |
16 |
|
Atyrau region |
1 539 |
497 |
69 |
819 |
100 |
14 |
|
East Kazakhstan reg. |
2 248 |
782 |
135 |
1 226 |
137 |
27 |
|
Jambul region |
1 550 |
502 |
91 |
839 |
94 |
11 |
|
West Kazakhstan reg. |
1 156 |
425 |
60 |
659 |
81 |
11 |
|
Karaganda region |
2 651 |
867 |
188 |
1 479 |
172 |
72 |
|
Kostanai region |
1 313 |
432 |
65 |
806 |
74 |
14 |
|
Kyzylorda region |
1 244 |
427 |
79 |
636 |
91 |
18 |
|
Mangistau region |
1 478 |
488 |
59 |
765 |
109 |
12 |
|
Pavlodar region |
1 351 |
487 |
78 |
791 |
91 |
15 |
|
North Kazakhstan reg. |
690 |
214 |
37 |
390 |
33 |
9 |
|
Turkestan reg. |
1 567 |
1 022 |
89 |
779 |
28 |
9 |
|
Shimkent city |
2 342 |
1 271 |
58 |
1 253 |
267 |
14 |
|
Almaty city |
11 620 |
4 030 |
150 |
7 466 |
1 437 |
49 |
|
Nur-Sultan city |
3 361 |
1 129 |
110 |
1 962 |
272 |
24 |
|
Table 3 |
||||
|
Specifications |
As of 01.07.2021 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
356 258 |
12 771 |
210 760 |
275 080 |
|
Akmola region |
8 782 |
414 |
5 765 |
7 167 |
|
Aktobe region |
16 608 |
606 |
9 742 |
12 994 |
|
Almaty region |
7 856 |
522 |
10 846 |
6 106 |
|
Atyrau region |
11 580 |
665 |
7 130 |
9 073 |
|
East Kazakhstan reg. |
19 843 |
950 |
11 206 |
15 422 |
|
Jambul region |
8 457 |
505 |
5 005 |
6 285 |
|
West Kazakhstan reg. |
11 865 |
453 |
6 347 |
8 844 |
|
Karaganda region |
29 632 |
1 031 |
16 584 |
22 417 |
|
Kostanai region |
17 700 |
486 |
10 724 |
14 577 |
|
Kyzylorda region |
6 458 |
423 |
4 503 |
5 137 |
|
Mangistau region |
13 613 |
620 |
7 767 |
10 622 |
|
Pavlodar region |
17 312 |
599 |
9 829 |
13 894 |
|
North Kazakhstan reg. |
7 197 |
358 |
3 454 |
5 486 |
|
Turkestan reg. and Shimkent city |
23 980 |
1 116 |
15 714 |
19 061 |
|
Almaty city |
96 583 |
2 516 |
51 361 |
72 583 |
|
Nur-Sultan city |
58 792 |
1 507 |
34 783 |
45 412 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
1 042 549,3 |
149 921,3 |
|
local systems |
645 392,5 |
3 838,2 |
|
international systems, of which: |
397 156,7 |
146 083,1 |
|
Visa International |
124 377,5 |
61 965,5 |
|
MasterCard Worldwide |
270 498,0 |
77 575,1 |
|
Volume (mln.tenge), of which; |
12 756 962,7 |
7 514 307,4 |
|
local systems |
8 790 004,3 |
121 699,8 |
|
international systems, of which: |
3 966 958,4 |
7 392 607,6 |
|
Visa International |
1 954 356,2 |
3 786 087,9 |
|
MasterCard Worldwide |
1 983 859,8 |
3 280 788,3 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
2 626 794,0 |
137 088,6 |
|
local systems |
2 069 740,9 |
8 542,4 |
|
international systems, of which: |
557 053,1 |
128 546,2 |
|
Visa International |
318 686,2 |
76 661,1 |
|
MasterCard Worldwide |
233 902,2 |
46 171,6 |
|
Volume (mln.tenge), of which; |
29 945 897,2 |
9 816 362,3 |
|
local systems |
23 170 667,3 |
453 830,0 |
|
international systems, of which: |
6 775 229,8 |
9 362 532,3 |
|
Visa International |
4 445 040,2 |
5 682 888,7 |
|
MasterCard Worldwide |
2 263 529,4 |
3 347 791,2 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 601 570,9 |
29 566 520,3 |
139 499,6 |
9 670 042,4 |
|
Akmola region |
37 477,6 |
371 899,7 |
4 599,4 |
244 143,4 |
|
Aktobe region |
103 461,5 |
980 007,0 |
6 670,9 |
388 291,2 |
|
Almaty region |
85 057,2 |
932 844,2 |
9 779,2 |
563 368,9 |
|
Atyrau region |
95 755,5 |
1 151 150,2 |
5 296,1 |
399 744,4 |
|
East Kazakhstan reg. |
84 905,6 |
855 856,4 |
11 341,3 |
613 189,1 |
|
Jambul region |
82 123,1 |
826 825,7 |
6 916,1 |
400 299,1 |
|
West Kazakhstan reg. |
58 180,4 |
628 505,8 |
5 302,8 |
286 151,5 |
|
Karaganda region |
138 332,6 |
1 449 227,0 |
11 921,1 |
692 760,3 |
|
Kostanai region |
61 796,0 |
557 612,5 |
6 142,4 |
340 609,1 |
|
Kyzylorda region |
63 784,3 |
651 044,5 |
5 020,2 |
293 323,8 |
|
Mangistau region |
95 183,8 |
1 262 102,9 |
5 582,3 |
601 688,9 |
|
Pavlodar region |
65 435,2 |
612 865,5 |
6 893,3 |
363 523,0 |
|
North Kazakhstan reg. |
22 332,6 |
226 825,1 |
3 844,1 |
191 255,4 |
|
Turkestan reg. |
62 096,3 |
744 155,6 |
6 772,0 |
438 501,5 |
|
Almaty city |
1 036 826,9 |
12 656 010,3 |
22 755,0 |
2 101 122,7 |
|
Nur-Sultan city |
336 714,0 |
3 628 782,1 |
11 671,7 |
1 064 832,7 |
|
Shimkent city |
172 108,4 |
2 030 805,7 |
8 991,8 |
687 237,5 |
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 |
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|
Specifications |
January-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 601 570,9 |
29 566 520,3 |
139 499,6 |
9 670 042,4 |
|
POS - terminal |
896 631,1 |
5 058 422,7 |
1 839,9 |
1 202 750,2 |
|
ATM |
893,5 |
58 609,8 |
137 659,6 |
8 467 292,3 |
|
Internet and mobile phone |
1 704 043,9 |
24 449 201,9 |
- |
- |
|
Payment terminals |
2,4 |
285,8 |
- |
- |
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-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
27 077,9 |
243 795,2 |
1 322,2 |
77 988,1 |
|
POS - terminal |
12 161,3 |
123 290,7 |
1 308,7 |
74 076,8 |
|
ATM |
6,4 |
291,1 |
13,5 |
3 911,3 |
|
Internet and mobile phone |
14 804,5 |
117 490,6 |
|
|
|
others |
105,8 |
2 722,9 |
|
|
|
2021 |
||||
|
Total, incl. |
40 208.5 |
415 134.1 |
1 328.2 |
86 418.8 |
|
POS - terminal |
15 289.0 |
196 244.4 |
15.5 |
3 940.9 |
|
ATM |
6.9 |
416.2 |
1 312.6 |
82 477.9 |
|
Internet and mobile phone |
24 787.9 |
215 818.0 |
- |
- |
|
others |
124.7 |
2 655.5 |
- |
- |
[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.
