Version ¹215 on 27/08/2021
As of August 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 August 01, 2021 banks have issued 55,3 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 2,9%.
In January-July 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 47,7 trln. Tenge. The number of transactions amounted to – 3345,1 million transactions.
At the same time, the number of non-cash transactions increased 2,5 times (the number amounted to 3185,1 million units) and the amount (2,3 times the volume amounted to 36,3 trln. tenge). Card holders conducted 160,0 million withdrawals in the amount of 11 350,9 billion tenge. There is a increase in the volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 27,6%. However, there is a decrease in the number of operations compared to the corresponding indicator of 2020 by 8,1%
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (66,9% and 83,2% out of the total number of payments and volume of cashless payments) and POS-terminals (33,0% 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 87,6% 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.
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Table 1 |
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|
Specifications |
As of 01.08.2020 |
As of 01.08.2021 |
|
Total number of cards in circulation (thousand), of which: |
41 333.3 |
55 264.5 |
|
local systems |
9 638.1 |
17 619.1 |
|
international systems, of which: |
31 695.3 |
37 645.4 |
|
Visa International, of which: |
19 419.7 |
26 810.5 |
|
debit |
13 270.1 |
20 495.8 |
|
credit |
4 725.5 |
4 739.8 |
|
Debit cards with credit limit and prepaid |
1 424.1 |
1 574.8 |
|
MasterCard Worldwide, of which: |
10 624.2 |
9 344.1 |
|
debit |
10 237.6 |
8 822.7 |
|
credit |
250.1 |
258.9 |
|
Debit cards with credit limit and prepaid |
136.4 |
262.6 |
|
Number of used cards (thousand), of which: |
23 466.7 |
26 317.8 |
|
local systems |
7 459.1 |
10 916.2 |
|
international systems, of which: |
16 007.6 |
15 401.6 |
|
Visa International, of which: |
8 359.2 |
9 748.0 |
|
debit |
6 323.6 |
9 079.8 |
|
credit |
1 398.7 |
315.2 |
|
ADebit cards with credit limit and prepaid |
637.0 |
353.0 |
|
MasterCard Worldwide, of which: |
6 838.0 |
4 888.1 |
|
debit |
6 718.9 |
4 808.0 |
|
credit |
74.8 |
78.5 |
|
Debit cards with credit limit and prepaid |
44.3 |
1.5 |
|
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 01.08.2021 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
40 335 |
13 351 |
1 579 |
22 793 |
3 170 |
355 |
|
Akmola region |
978 |
289 |
70 |
525 |
44 |
14 |
|
Aktobe region |
1 704 |
628 |
89 |
923 |
120 |
16 |
|
Almaty region |
1 953 |
448 |
117 |
1 017 |
85 |
17 |
|
Atyrau region |
1 562 |
503 |
72 |
828 |
93 |
14 |
|
East Kazakhstan reg. |
2 305 |
798 |
138 |
1 231 |
130 |
28 |
|
Jambul region |
1 595 |
505 |
158 |
846 |
90 |
11 |
|
West Kazakhstan reg. |
1 186 |
433 |
113 |
664 |
76 |
11 |
|
Karaganda region |
2 692 |
874 |
59 |
1 480 |
162 |
72 |
|
Kostanai region |
1 411 |
444 |
94 |
808 |
72 |
14 |
|
Kyzylorda region |
1 275 |
432 |
62 |
639 |
88 |
18 |
|
Mangistau region |
1 509 |
492 |
192 |
773 |
99 |
12 |
|
Pavlodar region |
1 414 |
501 |
67 |
800 |
87 |
16 |
|
North Kazakhstan reg. |
765 |
221 |
81 |
409 |
32 |
9 |
|
Turkestan reg. |
1 721.96 |
132.58 |
59.50 |
825 |
27 |
9 |
|
Shimkent city |
2 402 |
1 269 |
80 |
1 268 |
245 |
14 |
|
Almaty city |
12 420 |
4 242 |
38 |
7 782 |
1 460 |
55 |
|
Nur-Sultan city |
3 442 |
1 141 |
91 |
1 976 |
262 |
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-July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
1 282 100.1 |
174 106.7 |
|
local systems |
816 040.5 |
4 634.6 |
|
international systems, of which: |
466 059.6 |
169 472.2 |
|
Visa International |
148 288.2 |
73 118.5 |
|
MasterCard Worldwide |
315 076.3 |
88 767.9 |
|
Volume (mln.tenge), of which; |
15 634 494.3 |
8 895 380.0 |
|
local systems |
10 974 267.7 |
154 243.5 |
|
international systems, of which: |
4 660 226.6 |
8 741 136.5 |
|
Visa International |
2 307 345.9 |
4 504 648.1 |
|
MasterCard Worldwide |
2 319 030.5 |
3 856 565.4 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
3 185 115.3 |
160 023.2 |
|
local systems |
2 539 808.7 |
10 376.8 |
|
international systems, of which: |
645 306.6 |
149 646.3 |
|
Visa International |
374 188.4 |
90 126.7 |
|
MasterCard Worldwide |
265 841.4 |
52 862.9 |
|
Volume (mln.tenge), of which; |
36 300 539.7 |
11 350 999.6 |
|
local systems |
28 397 090.7 |
570 058.9 |
|
international systems, of which: |
7 903 448.9 |
10 780 940.8 |
|
Visa International |
5 232 818.6 |
6 749 511.7 |
|
MasterCard Worldwide |
2 593 151.6 |
3 643 927.3 |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 157 045.3 |
35 973 382.6 |
162 694.2 |
11 420 838.7 |
|
Akmola region |
45 553.8 |
456 047.3 |
5 396.5 |
290 961.1 |
|
Aktobe region |
124 892.0 |
1 195 639.0 |
7 769.2 |
460 389.0 |
|
Almaty region |
106 080.6 |
1 154 200.1 |
11 422.9 |
667 978.6 |
|
Atyrau region |
115 659.3 |
1 392 184.0 |
6 137.4 |
468 032.6 |
|
East Kazakhstan reg. |
102 653.9 |
1 041 689.4 |
13 265.0 |
724 132.5 |
|
Jambul region |
99 920.1 |
1 007 754.8 |
8 070.5 |
473 153.9 |
|
West Kazakhstan reg. |
70 622.6 |
763 223.0 |
6 175.8 |
338 516.9 |
|
Karaganda region |
167 882.8 |
1 766 594.0 |
13 925.1 |
818 172.1 |
|
Kostanai region |
74 678.1 |
675 548.8 |
7 183.0 |
404 496.0 |
|
Kyzylorda region |
77 720.8 |
794 814.5 |
5 821.6 |
344 326.5 |
|
Mangistau region |
114 819.6 |
1 500 404.0 |
6 444.5 |
683 202.5 |
|
Pavlodar region |
79 155.8 |
745 320.3 |
8 068.9 |
430 134.5 |
|
North Kazakhstan reg. |
27 075.8 |
277 575.1 |
4 509.1 |
227 262.6 |
|
Turkestan reg. |
76 352.0 |
911 940.9 |
7 856.1 |
514 370.8 |
|
Almaty city |
1 258 805.3 |
15 434 815.1 |
26 634.2 |
2 500 810.8 |
|
Nur-Sultan city |
405 636.8 |
4 390 772.7 |
13 649.7 |
1 266 791.2 |
|
Shimkent city |
209 535.9 |
2 464 859.4 |
10 364.7 |
808 107.0 |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 157 045.3 |
35 973 382.6 |
162 694.2 |
11 420 838.7 |
|
POS - terminal |
1 082 304.0 |
6 090 126.5 |
2 124.5 |
1 413 546.4 |
|
ATM |
1 021.6 |
69 199.0 |
160 569.6 |
10 007 292.2 |
|
Internet and mobile phone |
2 073 717.0 |
29 813 736.1 |
- |
- |
|
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
31 578.4 |
284 167.8 |
1 489.9 |
90 164.4 |
|
POS - terminal |
13 919.4 |
140 105.3 |
15.3 |
4 501.1 |
|
ATM |
7.6 |
354.7 |
1 474.6 |
85 663.4 |
|
Internet and mobile phone |
17 529.2 |
140 521.0 |
|
|
|
others |
122.2 |
3 186.8 |
|
|
|
2021 |
||||
|
Total, incl. |
47 438.7 |
494 546.1 |
1 598.6 |
103 701.4 |
|
POS - terminal |
18 421.9 |
237 793.9 |
18.0 |
4 658.7 |
|
ATM |
8.5 |
508.3 |
1 580.5 |
99 042.7 |
|
Internet and mobile phone |
28 861.3 |
253 119.2 |
- |
- |
|
others |
147.1 |
3 124.7 |
- |
- |
[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.
