Version ¹222 от 29/03/2022
As of March 01, 2022 actual origination of the payment cards were realized by 19 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 March 01, 2022, 56.9 million payment cards are in circulation. The most common are debit cards, their share is 77.8%, the share of credit cards is 19.0%. Debit cards with a credit limit and prepaid cards account for 3.2%.
In February 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 8.5 trillion tenge, the number – 600.2 million transactions. At the same time, over the same period of 2021, the number of non-cash transactions increased by 31.5% and reached up to 580.9 million transactions and by 26.8%, reaching 6.9 trillion tenge. The holders of payment cards carried out 19.3 million cash withdrawal operations in the amount of 1.6 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to February 2021 by 10.3%. At the same time, the volume of cash withdrawal operations increased by 11.6%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (65.7% of the total number of transactions and 83.6% of the total volume of non-cash payments and money transfers) and POS terminals (34.2% and 16.1% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.5% and 86.9% of the total number and volume of cash withdrawal operations).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-7.
Table 1 |
||
Specifications |
As of 01.03.2021 |
As of 01.03.2022 |
Total number of cards in circulation (thousand), of which: |
50 299,4 |
56 875,5 |
local systems |
15 178,7 |
19 219,8 |
international systems, of which: |
35 120,7 |
37 655,7 |
Visa International, of which: |
23 820,1 |
27 342,0 |
debit |
17 753,3 |
23 892,2 |
credit |
4 686,8 |
1 655,0 |
Debit cards with credit limit and prepaid |
1 380,0 |
1 794,8 |
MasterCard Worldwide, of which: |
9 630,4 |
8 698,0 |
debit |
9 280,4 |
8 393,2 |
credit |
253,8 |
300,6 |
Debit cards with credit limit and prepaid |
96,2 |
4,2 |
Number of used cards (thousand), of which: |
27 319,6 |
29 140,4 |
local systems |
10 140,4 |
11 211,0 |
international systems, of which: |
17 179,2 |
17 929,4 |
Visa International, of which: |
10 430,6 |
12 882,4 |
debit |
8 669,5 |
12 193,7 |
credit |
1 422,0 |
364,1 |
ADebit cards with credit limit and prepaid |
339,1 |
324,6 |
MasterCard Worldwide, of which: |
5 992,5 |
4 365,5 |
debit |
5 886,1 |
4 285,2 |
credit |
75,2 |
79,0 |
Debit cards with credit limit and prepaid |
31,1 |
1,3 |
Quarterly specifications |
01.01.2021 |
01.01.2022 |
Number of POS - terminals (units), of which: |
211 764 |
509 194 |
commercial enterprises |
202 979 |
500 684 |
banks |
8 785 |
8 510 |
Number of ATM (units) , of which: |
12 728 |
12 443 |
with cash distribution function |
6 551 |
6 195 |
with cash reception and distribution functions |
6 177 |
6 248 |
Number of commercial enterprises (units) |
108 159 |
273 947 |
Number of users of online bank service(thousand units)[1] |
28 730 |
39 548 |
Table 2 |
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Specifications |
As of 01.03.2022 |
|||||
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
Total, incl. |
44 276 |
10 801 |
1 799 |
25 724 |
3 091 |
326 |
Akmola region |
1 036 |
194 |
79 |
547 |
39 |
11 |
Aktobe region |
1 779 |
427 |
103 |
974 |
99 |
16 |
Almaty region |
2 160 |
310 |
138 |
1 156 |
74 |
15 |
Atyrau region |
1 620 |
342 |
90 |
880 |
80 |
14 |
East Kazakhstan reg. |
2 470 |
547 |
151 |
1 302 |
114 |
23 |
Jambul region |
1 706 |
326 |
105 |
915 |
74 |
9 |
West Kazakhstan reg. |
1 289 |
299 |
69 |
703 |
67 |
11 |
Karaganda region |
2 819 |
587 |
212 |
1 545 |
133 |
76 |
Kostanai region |
1 541 |
304 |
72 |
829 |
62 |
11 |
Kyzylorda region |
1 367 |
288 |
90 |
689 |
71 |
9 |
Mangistau region |
1 593 |
327 |
69 |
827 |
82 |
12 |
Pavlodar region |
1 488 |
334 |
92 |
827 |
70 |
15 |
North Kazakhstan reg. |
826 |
149 |
40 |
436 |
27 |
6 |
Turkestan reg. |
1 822 |
83 |
105 |
882 |
22 |
8 |
Almaty city |
14 494 |
4 628 |
182 |
9 715 |
1 652 |
50 |
Nur-Sultan city |
2 620 |
860 |
70 |
1 421 |
203 |
13 |
Shymkent city |
3 644 |
797 |
133 |
2 077 |
220 |
26 |
Table 3 |
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Specifications |
As of 01.01.2022 |
|||
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
Total, incl. |
509 194 |
12 443 |
273 947 |
414 567 |
Akmola region |
15 402 |
409 |
8 653 |
13 209 |
Aktobe region |
25 793 |
587 |
14 201 |
21 481 |
Almaty region |
15 531 |
502 |
8 702 |
12 841 |
Atyrau region |
19 552 |
634 |
10 529 |
16 112 |
East Kazakhstan reg. |
30 509 |
924 |
16 169 |
24 795 |
Jambul region |
15 491 |
505 |
8 010 |
12 827 |
West Kazakhstan reg. |
18 375 |
455 |
9 564 |
14 879 |
Karaganda region |
41 796 |
1 028 |
22 323 |
33 408 |
Kostanai region |
25 870 |
488 |
14 142 |
21 736 |
Kyzylorda region |
11 526 |
423 |
6 380 |
9 795 |
Mangistau region |
23 066 |
607 |
12 472 |
19 313 |
Pavlodar region |
26 924 |
595 |
13 929 |
22 162 |
North Kazakhstan reg. |
11 753 |
356 |
5 411 |
9 313 |
Turkestan reg. and Shimkent city |
34 424 |
1 096 |
22 132 |
32 452 |
Almaty city |
119 088 |
2 402 |
60 733 |
91 288 |
Nur-Sultan city |
74 094 |
1 432 |
40 597 |
58 956 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
Table 4 |
||
Specifications |
January-February |
|
Cashless payments |
Cash withdrawals |
|
2021 |
||
Number of transactions (thousand) of which; |
703 127,28 |
41 478,36 |
local systems |
534 896,27 |
2 239,01 |
international systems, of which: |
168 231,01 |
39 239,35 |
Visa International |
89 028,04 |
22 402,42 |
MasterCard Worldwide |
77 943,60 |
15 017,05 |
Volume (mln.tenge), of which; |
7 769 822,82 |
2 663 696,45 |
local systems |
5 885 144,54 |
105 455,54 |
international systems, of which: |
1 884 678,28 |
2 558 240,91 |
Visa International |
1 186 503,35 |
1 518 983,89 |
MasterCard Worldwide |
680 452,22 |
935 123,25 |
2022 |
||
Number of transactions (thousand) of which; |
1 019 347,76 |
37 306,82 |
local systems |
849 931,85 |
3 495,85 |
international systems, of which: |
169 415,91 |
33 810,98 |
Visa International |
126 057,74 |
24 160,67 |
MasterCard Worldwide |
41 736,35 |
8 126,96 |
Volume (mln.tenge), of which; |
12 241 771,11 |
2 872 006,37 |
local systems |
9 755 261,56 |
219 632,81 |
international systems, of which: |
2 486 509,55 |
2 652 373,56 |
Visa International |
1 850 335,87 |
1 879 972,76 |
MasterCard Worldwide |
609 468,23 |
679 164,04 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
Table 5 |
||||
Specifications |
January-February 2022 |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
Total, incl. |
991 111,9 |
12 050 524,6 |
37 792,7 |
2 880 282,1 |
Akmola region |
14 006,6 |
151 994,1 |
1 340,3 |
78 088,1 |
Aktobe region |
36 598,7 |
390 038,2 |
1 841,8 |
121 859,8 |
Almaty region |
34 657,2 |
392 306,1 |
2 510,5 |
162 139,8 |
Atyrau region |
35 318,6 |
470 822,6 |
1 507,0 |
122 102,4 |
East Kazakhstan reg. |
31 765,4 |
362 349,7 |
3 155,4 |
189 669,2 |
Jambul region |
29 171,1 |
322 525,0 |
1 889,4 |
123 009,9 |
West Kazakhstan reg. |
21 154,1 |
248 334,2 |
1 459,1 |
90 857,7 |
Karaganda region |
52 315,2 |
611 958,7 |
3 325,5 |
219 526,4 |
Kostanai region |
23 122,2 |
223 484,0 |
1 744,9 |
106 981,6 |
Kyzylorda region |
23 211,3 |
260 631,1 |
1 365,6 |
86 693,3 |
Mangistau region |
34 139,8 |
477 147,8 |
1 475,7 |
143 148,2 |
Pavlodar region |
23 756,8 |
252 899,7 |
1 929,1 |
118 026,7 |
North Kazakhstan reg. |
9 573,8 |
99 435,5 |
1 078,4 |
60 590,5 |
Turkestan reg. |
22 530,7 |
284 129,6 |
1 826,3 |
128 101,2 |
Almaty city |
421 581,1 |
5 358 199,6 |
5 732,3 |
590 517,2 |
Nur-Sultan city |
113 536,5 |
1 371 298,8 |
3 359,4 |
346 257,7 |
Shimkent city |
64 672,9 |
772 970,2 |
2 252,2 |
192 712,5 |
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 |
||||
Specifications |
January-February 2022 |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
Total, incl. |
991 111,9 |
12 050 524,6 |
37 792,7 |
2 880 282,1 |
POS - terminal |
352 717,6 |
1 921 998,5 |
589,2 |
378 002,2 |
ATM |
195,8 |
16 506,3 |
37 203,6 |
2 502 279,9 |
Internet and mobile phone |
638 198,3 |
10 111 974,6 |
- |
- |
Payment terminals |
0,3 |
45,3 |
- |
- |
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-February |
|||
Cashless payments |
Cash withdrawals |
|||
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
2021 |
||||
Total, incl. |
12 783,9 |
119 080,0 |
363,4 |
24 015,4 |
POS - terminal |
4 331,3 |
52 816,9 |
6,04 |
1 260,88 |
ATM |
2,4 |
141,2 |
357,39 |
22 754,54 |
Internet and mobile phone |
8 416,8 |
65 323,4 |
- |
- |
others |
33,4 |
798,5 |
- |
- |
2022 |
||||
Total, incl. |
16 531,2 |
172 214,4 |
621,8 |
40 114,3 |
POS - terminal |
6 715,2 |
89 580,5 |
24,6 |
2 360,3 |
ATM |
1,6 |
109,5 |
597,3 |
37 754,0 |
Internet and mobile phone |
9 764,3 |
81 779,5 |
- |
- |
others |
50,1 |
744,9 |
- |
- |
[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.