Version ¹225 от 28/06/2022
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 |
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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 |
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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 |
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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-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.