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As of June 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 June 01, 2022, 58.5 million payment cards are in circulation. The most common are debit cards, their share is 77.6%, the share of credit cards is 19.1%. Debit cards with a credit limit and prepaid cards account for 3.2%.

In May 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 9.7 trillion tenge, the number – 739.2 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 41.0% and reached up to 716.7 million transactions and amount by 39.0%, reaching 7.9 trillion tenge. The holders of payment cards carried out 22.6 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 May 2021 by 5.2%. At the same time, the volume of cash withdrawal operations increased by 5.6%.

The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.4% of the total number of transactions and 82.5% of the total volume of non-cash payments and money transfers) and POS terminals (35.6% and 17.2% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.9% and 89.8% 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.

Table 1

Specifications

As of 01.06.2021

As of 01.06.2022

Total number of cards in circulation (thousand), of which:

53 699,0

58 537,8

local systems

16 894,4

20 092,0

international systems, of which:

36 804,7

38 445,9

Visa International, of which:

25 811,4

28 618,6

debit

19 590,8

25 163,3

credit

4 729,0

1 569,2

Debit cards with credit limit and prepaid

1 491,6

1 886,1

MasterCard Worldwide, of which:

9 275,1

8 215,4

debit

9 012,6

7 888,0

credit

258,9

324,1

Debit cards with credit limit and prepaid

3,6

3,4

Number of used cards (thousand), of which:

25 645,2

29 964,4

local systems

10 421,1

11 959,8

international systems, of which:

15 224,1

18 004,5

Visa International, of which:

9 306,6

13 675,1

debit

8 633,7

13 134,3

credit

333,6

243,0

ADebit cards with credit limit and prepaid

339,3

297,8

MasterCard Worldwide, of which:

5 131,9

3 673,4

debit

5 044,6

3 592,3

credit

85,8

80,1

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

Specifications

As of 01.06.2022

Total number of cards in circulation (thousand)

Number of used payment cards (thousand)

debit

credit

others[2]

debit

credit

others2

Total, incl.

45 449

11 199

1 890

26 329

3 336

299

Akmola region

1 060

192

80

549

38

9

Aktobe region

1 789

424

109

964

101

16

Almaty region

2 256

308

144

1 202

76

13

Atyrau region

1 625

340

95

878

81

12

East Kazakhstan reg.

2 509

544

157

1 305

116

21

Jambul region

1 742

325

110

913

77

8

West Kazakhstan reg.

1 296

296

70

698

66

10

Karaganda region

2 852

582

217

1 541

139

72

Kostanai region

1 572

301

73

826

61

9

Kyzylorda region

1 398

286

93

688

71

7

Mangistau region

1 597

324

71

825

83

11

Pavlodar region

1 502

331

97

821

71

15

North Kazakhstan reg.

849

148

41

438

26

5

Turkestan reg.

1 879

84

112

884

21

7

Almaty city

15 192

5 082

205

10 319

1 886

49

Shymkent city

2 653

850

74

1 395

196

12

Nur-Sultan city

3 678

783

140

2 083

225

24

 

 

 

 

 

 

 

 

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

Specifications

January-May

Cashless payments

Cash withdrawals

2021

Number of transactions (thousand) of which;

2 080 625,19

112 455,44

local systems

1 621 989,59

6 754,45

international systems, of which:

458 635,59

105 701,00

Visa International

257 532,49

62 367,46

MasterCard Worldwide

197 413,13

38 584,29

Volume (mln.tenge), of which;

23 577 624,40

7 682 316,03

local systems

18 097 248,68

344 652,79

international systems, of which:

5 480 375,72

7 337 663,24

Visa International

3 570 007,72

4 495 399,87

MasterCard Worldwide

1 854 837,56

2 567 867,65

2022

Number of transactions (thousand) of which;

3 042 419,19

104 226,98

local systems

2 586 353,99

12 213,74

international systems, of which:

456 065,21

92 013,24

Visa International

349 191,28

67 739,60

MasterCard Worldwide

102 631,09

20 378,92

Volume (mln.tenge), of which;

35 616 539,32

8 337 365,02

local systems

28 806 471,25

775 661,88

international systems, of which:

6 810 068,07

7 561 703,14

Visa International

5 115 149,15

5 493 857,05

MasterCard Worldwide

1 623 194,77

1 830 792,36

 

Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions

Table 5

Specifications

January-May 2022

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

2 993 389,6

35 183 536,3

106 042,1

8 373 489,4

Akmola region

41 400,3

443 045,9

3 643,3

221 301,7

Aktobe region

105 922,3

1 128 371,0

5 067,7

347 753,8

Almaty region

107 365,2

1 190 226,5

7 099,4

471 104,2

Atyrau region

102 773,1

1 358 334,5

4 052,9

340 991,8

East Kazakhstan reg.

94 268,9

1 057 462,6

8 657,4

529 889,1

Jambul region

87 244,4

942 038,0

5 235,5

349 657,3

West Kazakhstan reg.

62 593,0

718 511,7

3 975,2

255 722,6

Karaganda region

148 918,3

1 749 351,2

9 183,4

619 936,0

Kostanai region

67 015,0

654 388,3

4 735,2

307 777,6

Kyzylorda region

69 089,4

767 405,2

3 753,1

250 913,1

Mangistau region

99 531,8

1 368 175,8

4 076,3

394 290,7

Pavlodar region

69 521,3

733 003,6

5 296,5

332 228,2

North Kazakhstan reg.

27 803,4

288 353,4

2 984,4

174 117,5

Turkestan reg.

67 672,0

847 485,3

4 904,1

365 633,0

Almaty city

1 310 310,3

15 599 939,1

17 875,4

1 871 867,4

Nur-Sultan city

339 377,7

4 040 662,8

9 308,6

991 935,9

Shimkent city

192 583,2

2 296 781,6

6 193,8

548 369,3

 

 

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-May 2022

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

Total, incl.

2 993 389,6

35 183 536,3

106 042,1

8 373 489,4

POS - terminal

1 096 758,4

5 833 191,8

1 429,4

1 025 702,3

ATM

486,4

51 577,8

104 612,7

7 347 787,1

Internet and mobile phone

1 896 144,0

29 298 663,0

-

-

Payment terminals

0,8

103,7

-

-

 

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-May

Cashless payments

Cash withdrawals

Number of transactions (thousand)

Amount (mln.tenge)

Number of transactions (thousand)

Amount (mln.tenge)

2021

Total, incl.

33 302,4

338 277,5

1 050,4

69 391,1

POS - terminal

12 268,1

158 310,7

12,88

3 219,00

ATM

5,9

354,0

1 037,54

66 172,08

Internet and mobile phone

20 929,7

177 379,0

-

-

others

98,6

2 233,8

-

-

2022

Total, incl.

36 282,0

476 388,1

1 491,1

96 503,0

POS - terminal

14 392,2

247 799,6

32,5

5 216,6

ATM

3,8

258,2

1 458,7

91 286,4

Internet and mobile phone

21 792,2

226 077,6

-

-

others

93,8

2 252,7

-

-

 

 

[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.

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