Version ¹226 от 29/07/2022
As of July 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 July 01, 2022, 60.2 million payment cards are in circulation. The most common are debit cards, their share is 78.0%, the share of credit cards is 18.8%. Debit cards with a credit limit and prepaid cards account for 3.2%.
In June 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 10.8 trillion tenge, the number – 768.7 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 36.5% and reached up to 745.6 million transactions and amount by 38.4%, reaching 8.8 trillion tenge. The holders of payment cards carried out 23.1 million cash withdrawal operations in the amount of 1.9 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to June 2021 by 6.2%. At the same time, the volume of cash withdrawal operations increased by 0.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.8% of the total number of transactions and 82.9% of the total volume of non-cash payments and money transfers) and POS terminals (35.1% and 16.7% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.8% and 89.6% 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 01.07.2021 |
As of 01.07.2022 |
|
Total number of cards in circulation (thousand), of which: |
54 273,5 |
60 200,0 |
|
local systems |
17 347,3 |
20 370,4 |
|
international systems, of which: |
36 926,3 |
39 829,5 |
|
Visa International, of which: |
26 180,1 |
29 967,1 |
|
debit |
19 910,9 |
26 515,8 |
|
credit |
4 735,0 |
1 527,9 |
|
Debit cards with credit limit and prepaid |
1 534,2 |
1 923,4 |
|
MasterCard Worldwide, of which: |
9 014,3 |
8 252,9 |
|
debit |
8 752,1 |
7 914,1 |
|
credit |
258,4 |
335,5 |
|
Debit cards with credit limit and prepaid |
3,8 |
3,2 |
|
Number of used cards (thousand), of which: |
25 897,9 |
30 244,7 |
|
local systems |
10 805,0 |
12 015,2 |
|
international systems, of which: |
15 092,9 |
18 229,5 |
|
Visa International, of which: |
9 388,9 |
14 008,6 |
|
debit |
8 725,3 |
13 416,5 |
|
credit |
320,6 |
234,7 |
|
ADebit cards with credit limit and prepaid |
343,1 |
357,4 |
|
MasterCard Worldwide, of which: |
4 926,9 |
3 577,1 |
|
debit |
4 840,5 |
3 491,3 |
|
credit |
85,0 |
84,9 |
|
Debit cards with credit limit and prepaid |
1,5 |
0,9 |
|
Quarterly specifications |
01.07.2021 |
01.07.2022 |
|
Number of POS - terminals (units), of which: |
356 258 |
674 033 |
|
commercial enterprises |
347 660 |
665 785 |
|
banks |
8 598 |
8 248 |
|
Number of ATM (units) , of which: |
12 771 |
12 570 |
|
with cash distribution function |
6 864 |
5 472 |
|
with cash reception and distribution functions |
5 907 |
7 098 |
|
Number of commercial enterprises (units) |
210 760 |
397 313 |
|
Number of users of online bank service (thousand units)[1] |
16 456,2 |
20 546,7 |
|
Table 2 |
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|
Specifications |
As of 01.07.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
46 977 |
11 297 |
1 927 |
26 527 |
3 359 |
358 |
|
Akmola region |
1 089 |
192 |
80 |
553 |
39 |
11 |
|
Aktobe region |
1 843 |
422 |
111 |
969 |
103 |
19 |
|
Almaty region |
2 304 |
307 |
146 |
1 218 |
76 |
15 |
|
Atyrau region |
1 671 |
338 |
96 |
884 |
82 |
14 |
|
East Kazakhstan reg. |
2 582 |
542 |
159 |
1 306 |
117 |
24 |
|
Jambul region |
1 778 |
324 |
111 |
914 |
76 |
9 |
|
West Kazakhstan reg. |
1 351 |
294 |
71 |
702 |
67 |
11 |
|
Karaganda region |
2 944 |
579 |
220 |
1 548 |
140 |
74 |
|
Kostanai region |
1 641 |
300 |
75 |
836 |
62 |
11 |
|
Kyzylorda region |
1 427 |
285 |
94 |
692 |
71 |
8 |
|
Mangistau region |
1 644 |
323 |
73 |
827 |
83 |
13 |
|
Pavlodar region |
1 555 |
330 |
100 |
826 |
71 |
19 |
|
North Kazakhstan reg. |
886 |
147 |
42 |
445 |
27 |
6 |
|
Turkestan reg. |
1 926 |
84 |
115 |
885 |
22 |
9 |
|
Almaty city |
15 765 |
5 211 |
216 |
10 427 |
1 902 |
72 |
|
Shymkent city |
2 735 |
845 |
77 |
1 398 |
195 |
14 |
|
Nur-Sultan city |
3 837 |
773 |
144 |
2 094 |
225 |
30 |
|
Table 3 |
||||
|
Specifications |
As of 01.07.2022 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
674 033 |
12 570 |
397 313 |
569 848 |
|
Akmola region |
22 835 |
395 |
14 085 |
19 804 |
|
Aktobe region |
33 814 |
605 |
20 609 |
29 279 |
|
Almaty region |
27 038 |
548 |
15 437 |
23 812 |
|
Atyrau region |
25 538 |
615 |
15 049 |
22 182 |
|
East Kazakhstan reg. |
39 725 |
921 |
23 212 |
33 437 |
|
Jambul region |
22 509 |
517 |
15 010 |
19 462 |
|
West Kazakhstan reg. |
24 971 |
456 |
14 275 |
20 824 |
|
Karaganda region |
51 888 |
1 071 |
30 255 |
42 678 |
|
Kostanai region |
32 796 |
486 |
18 455 |
27 981 |
|
Kyzylorda region |
17 436 |
405 |
12 547 |
15 976 |
|
Mangistau region |
30 679 |
623 |
17 377 |
26 764 |
|
Pavlodar region |
32 922 |
607 |
17 909 |
27 348 |
|
North Kazakhstan reg. |
15 058 |
323 |
7 849 |
12 539 |
|
Turkestan reg. |
14 760 |
418 |
15 812 |
13 967 |
|
Almaty city |
151 571 |
2 343 |
84 610 |
123 073 |
|
Shimkent city |
37 079 |
764 |
22 334 |
33 407 |
|
Nur-Sultan city |
93 414 |
1 473 |
52 488 |
77 315 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2021 |
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|
Number of transactions (thousand) of which; |
2 626 794,00 |
137 088,60 |
|
local systems |
2 069 740,93 |
8 542,44 |
|
international systems, of which: |
557 053,07 |
128 546,16 |
|
Visa International |
318 686,16 |
76 661,05 |
|
MasterCard Worldwide |
233 902,16 |
46 171,61 |
|
Volume (mln.tenge), of which; |
29 945 897,17 |
9 608 668,31 |
|
local systems |
23 170 667,33 |
453 830,04 |
|
international systems, of which: |
6 775 229,84 |
9 154 838,28 |
|
Visa International |
4 445 040,22 |
5 682 888,67 |
|
MasterCard Worldwide |
2 263 529,44 |
3 140 097,18 |
|
2022 |
||
|
Number of transactions (thousand) of which; |
3 788 031,11 |
127 327,62 |
|
local systems |
3 217 529,82 |
15 670,83 |
|
international systems, of which: |
570 501,30 |
111 656,80 |
|
Visa International |
429 167,57 |
82 810,40 |
|
MasterCard Worldwide |
120 912,10 |
24 153,22 |
|
Volume (mln.tenge), of which; |
44 432 539,31 |
10 280 575,90 |
|
local systems |
35 257 549,63 |
1 005 409,93 |
|
international systems, of which: |
9 174 989,68 |
9 275 165,96 |
|
Visa International |
6 298 687,79 |
6 777 572,28 |
|
MasterCard Worldwide |
2 014 319,34 |
2 210 439,88 |
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-June 2022 |
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|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 734 315,4 |
43 876 621,1 |
129 802,6 |
10 341 038,3 |
|
Akmola region |
52 197,0 |
560 332,8 |
4 440,4 |
272 606,6 |
|
Aktobe region |
131 824,0 |
1 416 244,0 |
6 199,5 |
429 822,6 |
|
Almaty region |
134 949,3 |
1 511 136,9 |
8 709,2 |
586 790,2 |
|
Atyrau region |
127 649,9 |
1 687 299,3 |
4 911,7 |
415 006,6 |
|
East Kazakhstan reg. |
117 732,3 |
1 327 827,3 |
10 507,7 |
650 398,5 |
|
Jambul region |
108 990,5 |
1 183 710,1 |
6 408,4 |
432 387,7 |
|
West Kazakhstan reg. |
78 551,4 |
902 689,9 |
4 841,1 |
315 441,6 |
|
Karaganda region |
184 216,4 |
2 172 295,9 |
11 226,7 |
762 170,2 |
|
Kostanai region |
83 584,8 |
823 389,5 |
5 772,2 |
380 182,7 |
|
Kyzylorda region |
86 209,4 |
983 230,0 |
4 593,2 |
315 594,2 |
|
Mangistau region |
123 726,2 |
1 687 187,3 |
4 924,9 |
473 394,7 |
|
Pavlodar region |
86 341,9 |
913 877,8 |
6 441,4 |
405 488,1 |
|
North Kazakhstan reg. |
34 819,8 |
364 874,1 |
3 659,1 |
218 066,6 |
|
Turkestan reg. |
84 947,3 |
1 098 055,8 |
6 045,6 |
464 782,3 |
|
Almaty city |
1 635 676,9 |
19 303 445,3 |
22 235,2 |
2 331 310,8 |
|
Nur-Sultan city |
423 056,8 |
5 048 566,9 |
11 324,1 |
1 210 280,2 |
|
Shimkent city |
239 841,7 |
2 892 458,1 |
7 562,4 |
677 314,7 |
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-June 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 734 315,4 |
43 876 621,1 |
129 802,6 |
10 341 038,3 |
|
POS - terminal |
1 372 506,8 |
7 314 128,9 |
1 705,2 |
1 227 385,8 |
|
ATM |
581,8 |
65 545,4 |
128 097,4 |
9 113 652,5 |
|
Internet and mobile phone |
2 361 225,9 |
36 496 817,4 |
- |
- |
|
Payment terminals |
1,0 |
129,4 |
- |
- |
Use of the payment cards issued by Kazakhstan banks outside of Republic of Kazakhstan in the context of the operation environment
|
Table 7 |
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|
Specifications |
January-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2021 |
||||
|
Total, incl. |
40 208,5 |
415 134,1 |
1 328,2 |
86 418,8 |
|
POS - terminal |
15 289,0 |
196 244,4 |
15,53 |
3 940,90 |
|
ATM |
6,9 |
416,2 |
1 312,63 |
82 477,94 |
|
Internet and mobile phone |
24 787,9 |
215 818,0 |
- |
- |
|
others |
124,7 |
2 655,5 |
- |
- |
|
2022 |
||||
|
Total, incl. |
43 226,3 |
658 541,8 |
1 759,9 |
113 112,9 |
|
POS - terminal |
17 397,6 |
342 135,4 |
34,9 |
5 727,7 |
|
ATM |
6,2 |
374,1 |
1 725,1 |
107 385,3 |
|
Internet and mobile phone |
25 691,0 |
309 118,9 |
- |
- |
|
others |
131,4 |
6 913,4 |
- |
- |
[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.
