Version ¹224 от 27/05/2022
As of May 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. 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 May 01, 2022, 58.6 million payment cards are in circulation. The most common are debit cards, their share is 77.9%, the share of credit cards is 18.9%. Debit cards with a credit limit and prepaid cards account for 3.2%.
In April 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 9.3 trillion tenge, the number – 669.9 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 47.8% and reached up to 647.5 million transactions and amount by 43.3%, reaching 7.4 trillion tenge. The holders of payment cards carried out 22.3 million cash withdrawal operations in the amount of 1.8 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to April 2021 by 3.9%. At the same time, the volume of cash withdrawal operations increased by 8.3%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.3% of the total number of transactions and 83.1% of the total volume of non-cash payments and money transfers) and POS terminals (35.7% and 16.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.7% and 87.8% 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.
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Table 1 |
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|
Specifications |
As of 01.05.2021 |
As of 01.05.2022 |
|
Total number of cards in circulation (thousand), of which: |
52 559,3 |
58 639,0 |
|
local systems |
16 301,6 |
19 802,0 |
|
international systems, of which: |
36 257,7 |
38 837,0 |
|
Visa International, of which: |
25 220,8 |
28 849,4 |
|
debit |
19 052,4 |
25 388,3 |
|
credit |
4 721,5 |
1 610,4 |
|
Debit cards with credit limit and prepaid |
1 447,0 |
1 850,7 |
|
MasterCard Worldwide, of which: |
9 331,5 |
8 373,2 |
|
debit |
9 066,5 |
8 051,8 |
|
credit |
261,5 |
318,1 |
|
Debit cards with credit limit and prepaid |
3,6 |
3,3 |
|
Number of used cards (thousand), of which: |
26 079,7 |
29 755,9 |
|
local systems |
10 436,3 |
11 590,2 |
|
international systems, of which: |
15 643,5 |
18 165,7 |
|
Visa International, of which: |
9 677,0 |
13 575,0 |
|
debit |
8 707,5 |
12 940,4 |
|
credit |
624,8 |
293,9 |
|
ADebit cards with credit limit and prepaid |
344,7 |
340,7 |
|
MasterCard Worldwide, of which: |
5 176,3 |
3 918,8 |
|
debit |
5 082,2 |
3 844,8 |
|
credit |
92,6 |
73,0 |
|
Debit cards with credit limit and prepaid |
1,5 |
1,0 |
|
Quarterly specifications |
01.04.2021 |
01.04.2022 |
|
Number of POS - terminals (units), of which: |
333 165 |
559 916 |
|
commercial enterprises |
324 510 |
551 538 |
|
banks |
8 655 |
8 378 |
|
Number of ATM (units) , of which: |
12 652 |
12 907 |
|
with cash distribution function |
6 389 |
5 949 |
|
with cash reception and distribution functions |
6 263 |
6 958 |
|
Number of commercial enterprises (units) |
161 851 |
323 790 |
|
Number of users of online bank service (thousand units)[1] |
15 179,1 |
20 213,7 |
|
Table 2 |
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|
Specifications |
As of 01.05.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
45 702 |
11 083 |
1 854 |
26 320 |
3 094 |
342 |
|
Akmola region |
1 064 |
193 |
79 |
554 |
37 |
12 |
|
Aktobe region |
1 813 |
426 |
108 |
974 |
97 |
19 |
|
Almaty region |
2 224 |
309 |
141 |
1 191 |
70 |
17 |
|
Atyrau region |
1 648 |
342 |
93 |
887 |
75 |
15 |
|
East Kazakhstan reg. |
2 524 |
547 |
154 |
1 310 |
112 |
25 |
|
Jambul region |
1 750 |
326 |
107 |
921 |
69 |
10 |
|
West Kazakhstan reg. |
1 324 |
298 |
70 |
709 |
64 |
12 |
|
Karaganda region |
2 879 |
584 |
214 |
1 554 |
132 |
73 |
|
Kostanai region |
1 599 |
303 |
73 |
838 |
60 |
12 |
|
Kyzylorda region |
1 396 |
287 |
91 |
693 |
65 |
10 |
|
Mangistau region |
1 623 |
326 |
70 |
834 |
76 |
13 |
|
Pavlodar region |
1 525 |
333 |
94 |
833 |
68 |
16 |
|
North Kazakhstan reg. |
859 |
149 |
40 |
441 |
26 |
6 |
|
Turkestan reg. |
1 878 |
83 |
109 |
890 |
19 |
10 |
|
Almaty city |
15 163 |
4 929 |
198 |
10 172 |
1 728 |
53 |
|
Shymkent city |
2 689 |
857 |
74 |
1 424 |
180 |
13 |
|
Nur-Sultan city |
3 746 |
791 |
137 |
2 097 |
217 |
28 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.2022 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
559 916 |
12 907 |
323 790 |
480 232 |
|
Akmola region |
17 518 |
422 |
10 149 |
15 020 |
|
Aktobe region |
28 325 |
604 |
16 614 |
24 705 |
|
Almaty region |
16 962 |
561 |
10 643 |
15 041 |
|
Atyrau region |
21 672 |
658 |
12 357 |
18 517 |
|
East Kazakhstan reg. |
34 447 |
964 |
19 259 |
29 074 |
|
Jambul region |
17 491 |
526 |
9 949 |
15 148 |
|
West Kazakhstan reg. |
20 175 |
470 |
11 154 |
16 860 |
|
Karaganda region |
46 054 |
1 090 |
26 116 |
38 418 |
|
Kostanai region |
28 490 |
509 |
16 238 |
24 503 |
|
Kyzylorda region |
13 375 |
426 |
8 157 |
11 877 |
|
Mangistau region |
26 000 |
641 |
14 691 |
22 498 |
|
Pavlodar region |
28 933 |
633 |
15 780 |
24 498 |
|
North Kazakhstan reg. |
12 786 |
347 |
6 393 |
10 782 |
|
Turkestan reg. |
9 670 |
440 |
7 969 |
10 180 |
|
Almaty city |
128 450 |
2 428 |
72 446 |
107 775 |
|
Shimkent city |
30 504 |
711 |
19 702 |
28 655 |
|
Nur-Sultan city |
79 064 |
1 477 |
46 173 |
66 681 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2021 |
||
|
Number of transactions (thousand) of which; |
1 572 366,76 |
88 635,29 |
|
local systems |
1 212 382,42 |
5 102,62 |
|
international systems, of which: |
359 984,33 |
83 532,67 |
|
Visa International |
198 136,34 |
48 761,21 |
|
MasterCard Worldwide |
159 012,24 |
30 995,90 |
|
Volume (mln.tenge), of which; |
17 889 218,52 |
5 992 084,82 |
|
local systems |
13 659 804,50 |
252 968,26 |
|
international systems, of which: |
4 229 414,01 |
5 739 116,56 |
|
Visa International |
2 726 483,78 |
3 472 028,01 |
|
MasterCard Worldwide |
1 460 970,09 |
2 049 451,23 |
|
2022 |
||
|
Number of transactions (thousand) of which; |
2 325 754,66 |
81 646,94 |
|
local systems |
1 966 463,24 |
8 920,55 |
|
international systems, of which: |
359 291,42 |
72 726,39 |
|
Visa International |
272 711,84 |
53 098,31 |
|
MasterCard Worldwide |
83 195,41 |
16 520,96 |
|
Volume (mln.tenge), of which; |
27 706 812,81 |
6 552 131,23 |
|
local systems |
22 364 052,42 |
570 837,43 |
|
international systems, of which: |
5 342 760,39 |
5 981 293,80 |
|
Visa International |
4 007 752,53 |
4 314 681,79 |
|
MasterCard Worldwide |
1 278 043,89 |
1 476 721,62 |
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-April 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 282 032,3 |
27 359 484,2 |
82 925,4 |
6 572 734,9 |
|
Akmola region |
31 684,5 |
344 683,5 |
2 862,5 |
173 743,1 |
|
Aktobe region |
81 891,5 |
880 297,8 |
3 969,8 |
271 669,2 |
|
Almaty region |
81 407,4 |
913 956,2 |
5 520,9 |
368 008,3 |
|
Atyrau region |
79 351,7 |
1 071 491,0 |
3 213,3 |
273 014,0 |
|
East Kazakhstan reg. |
72 127,5 |
828 514,8 |
6 814,2 |
419 194,9 |
|
Jambul region |
66 811,1 |
732 723,6 |
4 088,9 |
274 580,1 |
|
West Kazakhstan reg. |
48 144,5 |
562 750,5 |
3 132,1 |
202 167,7 |
|
Karaganda region |
115 265,0 |
1 374 927,9 |
7 200,2 |
489 794,9 |
|
Kostanai region |
51 818,7 |
511 483,1 |
3 737,0 |
242 397,0 |
|
Kyzylorda region |
53 088,5 |
595 700,0 |
2 949,6 |
196 712,3 |
|
Mangistau region |
76 900,3 |
1 090 955,9 |
3 222,9 |
318 642,9 |
|
Pavlodar region |
53 509,5 |
573 596,2 |
4 155,0 |
262 896,7 |
|
North Kazakhstan reg. |
21 564,6 |
226 496,0 |
2 340,6 |
136 287,8 |
|
Turkestan reg. |
51 497,9 |
648 559,3 |
3 855,5 |
284 649,8 |
|
Almaty city |
992 059,2 |
12 101 896,9 |
13 687,0 |
1 446 362,5 |
|
Nur-Sultan city |
258 150,3 |
3 135 720,7 |
7 315,6 |
780 078,7 |
|
Shimkent city |
146 760,1 |
1 765 730,6 |
4 860,4 |
432 534,9 |
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 |
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|
Specifications |
January-April 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 282 032,3 |
27 359 484,2 |
82 925,4 |
6 572 734,9 |
|
POS - terminal |
827 310,6 |
4 435 892,8 |
1 172,4 |
843 099,1 |
|
ATM |
392,4 |
38 758,0 |
81 753,0 |
5 729 635,8 |
|
Internet and mobile phone |
1 454 328,7 |
22 884 758,3 |
- |
- |
|
Payment terminals |
0,6 |
75,2 |
- |
- |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2021 |
||||
|
Total, incl. |
26 631,0 |
262 377,6 |
814,1 |
54 072,9 |
|
POS - terminal |
9 572,1 |
122 260,7 |
10,53 |
2 469,44 |
|
ATM |
4,8 |
283,5 |
803,58 |
51 603,49 |
|
Internet and mobile phone |
16 979,1 |
138 065,5 |
- |
- |
|
others |
75,1 |
1 767,8 |
- |
- |
|
2022 |
||||
|
Total, incl. |
29 638,7 |
352 022,7 |
1 219,5 |
80 553,5 |
|
POS - terminal |
11 666,2 |
183 838,2 |
30,2 |
4 623,7 |
|
ATM |
2,8 |
188,6 |
1 189,3 |
75 929,8 |
|
Internet and mobile phone |
17 898,1 |
166 744,7 |
- |
- |
|
others |
71,6 |
1 251,1 |
- |
- |
[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.
