Version ¹216 on 27/09/2021
As of September 01, 2021 actual origination of the payment cards were realized by 18 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 September 01, 2021 banks have issued 55,7 mln. The most widespread ones are the debit cards with the share of 72,6%, the share of credit cards – 24,5%. The share of debit cards with credit limit and share of prepaid cards is 2,9%.
In January-August 2021, the volume of transactions using payment cards of Kazakhstani issuers amounted to 56,4 trln. Tenge. The number of transactions amounted to – 3968,5 million transactions.
At the same time, the number of non-cash transactions increased 2,4 times (the number amounted to 3785,2 million units) and the amount (2,3 times the volume amounted to 43,2 trln. tenge). Card holders conducted 183,2 million withdrawals in the amount of 13 120,0 billion tenge. There is a increase in the volume of cash withdrawal operations compared to the corresponding indicator of 2020 by 26,8%. However, there is a decrease in the number of operations compared to the corresponding indicator of 2020 by 7,9%
The main bulk of cashless payments in Kazakhstan has been made through Internet/mobile banking (66,9% and 83,0% out of the total number of payments and volume of cashless payments) and POS-terminals (33,0% and 16,6% 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.
|
Table 1 |
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|
Specifications |
As of 01.09.2020 |
As of 01.09.2021 |
|
Total number of cards in circulation (thousand), of which: |
42 744.8 |
55 745.7 |
|
local systems |
10 551.7 |
18 164.3 |
|
international systems, of which: |
32 193.1 |
37 581.4 |
|
Visa International, of which: |
20 080.0 |
27 130.5 |
|
debit |
14 029.1 |
20 777.5 |
|
credit |
4 673.7 |
4 739.6 |
|
Debit cards with credit limit and prepaid |
1 377.2 |
1 613.5 |
|
MasterCard Worldwide, of which: |
10 513.1 |
8 917.7 |
|
debit |
10 124.6 |
8 398.3 |
|
credit |
249.2 |
257.9 |
|
Debit cards with credit limit and prepaid |
139.2 |
261.5 |
|
Number of used cards (thousand), of which: |
24 363.7 |
26 689.7 |
|
local systems |
7 977.3 |
11 477.3 |
|
international systems, of which: |
16 386.4 |
15 212.4 |
|
Visa International, of which: |
8 837.4 |
9 852.8 |
|
debit |
6 784.1 |
9 163.0 |
|
credit |
1 471.4 |
326.5 |
|
ADebit cards with credit limit and prepaid |
581.9 |
363.3 |
|
MasterCard Worldwide, of which: |
6 760.1 |
4 584.9 |
|
debit |
6 637.3 |
4 499.5 |
|
credit |
78.1 |
84.0 |
|
Debit cards with credit limit and prepaid |
44.6 |
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 01.09.2021 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
40 497 |
13 632 |
1 617 |
22 776 |
3 549 |
365 |
|
Akmola region |
978 |
292 |
72 |
522 |
50.06 |
14 |
|
Aktobe region |
1 694 |
632 |
90 |
915 |
132 |
16 |
|
Almaty region |
1 972 |
451 |
120 |
1 016.46 |
94 |
16 |
|
Atyrau region |
1 553 |
506 |
75 |
824 |
103 |
14 |
|
East Kazakhstan reg. |
2 273 |
805 |
140 |
1 208 |
146 |
28 |
|
Jambul region |
1 590 |
508 |
162 |
842 |
98 |
11 |
|
West Kazakhstan reg. |
1 180 |
435 |
116 |
659 |
85 |
11 |
|
Karaganda region |
2 690 |
880 |
61 |
1 473 |
184 |
76 |
|
Kostanai region |
1 415 |
446 |
95 |
805 |
81 |
14 |
|
Kyzylorda region |
1 277 |
435 |
63 |
635 |
99 |
18 |
|
Mangistau region |
1 510 |
495 |
198 |
771 |
108 |
11 |
|
Pavlodar region |
1 410 |
505 |
67 |
797 |
98 |
16 |
|
North Kazakhstan reg. |
766 |
222 |
83 |
408 |
35 |
9 |
|
Turkestan reg. |
1 716.61 |
135.02 |
60.32 |
816 |
31 |
9 |
|
Shimkent city |
2 355.90 |
1 278 |
81 |
1 225 |
273 |
15 |
|
Almaty city |
12 692 |
4 463 |
39 |
7 900 |
1 648 |
61 |
|
Nur-Sultan city |
3 423 |
1 144 |
94 |
1 958 |
285 |
25 |
|
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-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2020 |
||
|
Number of transactions (thousand) of which; |
1 570 380.9 |
198 974.5 |
|
local systems |
1 018 735.0 |
5 551.2 |
|
international systems, of which: |
551 645.9 |
193 423.2 |
|
Visa International |
182 649.8 |
84 905.7 |
|
MasterCard Worldwide |
365 806.5 |
99 871.7 |
|
Volume (mln.tenge), of which; |
19 110 504.8 |
10 343 484.6 |
|
local systems |
13 495 770.4 |
193 048.8 |
|
international systems, of which: |
5 614 734.4 |
10 150 435.8 |
|
Visa International |
2 813 775.3 |
5 267 351.3 |
|
MasterCard Worldwide |
2 761 175.3 |
4 449 231.5 |
|
2021 |
||
|
Number of transactions (thousand) of which; |
3 785 216.4 |
183 240.3 |
|
local systems |
3 035 477.7 |
12 279.7 |
|
international systems, of which: |
749 738.7 |
170 960.6 |
|
Visa International |
443 593.0 |
104 360.7 |
|
MasterCard Worldwide |
300 130.3 |
59 002.3 |
|
Volume (mln.tenge), of which; |
43 236 984.4 |
13 119 961.9 |
|
local systems |
33 959 114.0 |
695 834.3 |
|
international systems, of which: |
9 277 870.4 |
12 424 127.5 |
|
Visa International |
6 176 645.4 |
7 854 114.9 |
|
MasterCard Worldwide |
3 011 773.0 |
4 126 709.1 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 737 435.5 |
42 701 042.4 |
185 424.7 |
13 172 605.5 |
|
Akmola region |
54 232.6 |
550 958.1 |
6 178.7 |
337 445.6 |
|
Aktobe region |
147 312.8 |
1 422 039.6 |
8 831.6 |
531 430.4 |
|
Almaty region |
126 565.1 |
1 386 282.4 |
13 009.5 |
772 930.9 |
|
Atyrau region |
136 524.5 |
1 644 323.4 |
6 961.2 |
535 218.9 |
|
East Kazakhstan reg. |
120 893.2 |
1 238 385.2 |
15 119.8 |
834 529.5 |
|
Jambul region |
118 379.9 |
1 200 404.8 |
9 212.3 |
547 626.0 |
|
West Kazakhstan reg. |
83 960.6 |
907 649.8 |
7 038.0 |
391 015.2 |
|
Karaganda region |
198 556.7 |
2 103 552.5 |
15 861.0 |
943 697.6 |
|
Kostanai region |
88 553.1 |
803 808.2 |
8 208.5 |
469 162.9 |
|
Kyzylorda region |
92 423.7 |
948 485.8 |
6 612.3 |
395 569.2 |
|
Mangistau region |
135 471.0 |
1 750 338.9 |
7 304.6 |
764 593.3 |
|
Pavlodar region |
93 696.1 |
888 505.8 |
9 216.6 |
497 995.5 |
|
North Kazakhstan reg. |
32 259.5 |
332 215.7 |
5 152.9 |
263 108.4 |
|
Turkestan reg. |
91 155.0 |
1 082 654.0 |
8 956.9 |
591 155.7 |
|
Almaty city |
1 492 349.2 |
18 342 100.3 |
30 518.5 |
2 900 512.1 |
|
Nur-Sultan city |
477 173.3 |
5 183 585.3 |
15 597.6 |
1 471 325.3 |
|
Shimkent city |
247 929.1 |
2 915 752.5 |
11 644.8 |
925 288.9 |
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-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 737 435.5 |
42 701 042.4 |
185 424.7 |
13 172 605.5 |
|
POS - terminal |
1 279 354.9 |
7 243 700.7 |
2 418.4 |
1 623 902.3 |
|
ATM |
1 148.1 |
79 850.8 |
183 006.3 |
11 548 694.5 |
|
Internet and mobile phone |
2 456 929.1 |
35 377 074.6 |
- |
- |
|
Payment terminals |
3.4 |
416.2 |
0.1 |
8.6 |
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-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2020 |
||||
|
Total, incl. |
36 315.0 |
328 169.8 |
1 659.3 |
102 957.3 |
|
POS - terminal |
15 721.9 |
159 221.7 |
17.3 |
5 163.3 |
|
ATM |
8.8 |
419.2 |
1 642.0 |
97 794.0 |
|
Internet and mobile phone |
20 446.7 |
164 918.0 |
|
|
|
others |
137.6 |
3 610.9 |
|
|
|
2021 |
||||
|
Total, incl. |
55 980.9 |
583 341.9 |
1 872.4 |
121 280.9 |
|
POS - terminal |
22 274.7 |
285 761.0 |
20.7 |
5 566.6 |
|
ATM |
9.4 |
552.7 |
1 851.6 |
115 714.2 |
|
Internet and mobile phone |
33 528.9 |
293 419.0 |
- |
- |
|
others |
167.9 |
3 609.3 |
- |
- |
[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.
