Version ¹227 от 26/08/2022

As of August 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 August 01, 2022, 61,5 million payment cards are in circulation. The most common are debit cards, their share is 78,27%, the share of credit cards is 18,55%. Debit cards with a credit limit and prepaid cards account for 3,17%.

In July 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11,0 trillion tenge, the number – 782,5 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 34,5% and reached up to 760,6 million transactions and amount by 41,5%, reaching 9,2 trillion tenge. The holders of payment cards carried out 21,9 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 July 2021 by 4,3%. At the same time, the volume of cash withdrawal operations increased by 5.9%.

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 82.9% of the total volume of non-cash payments and money transfers) and POS terminals (35,6% and 17,9% 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 90,2% 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 01.08.2021	As of 01.08.2022
Total number of cards in circulation (thousand), of which:	55 264,5	61 490,8
local systems	17 619,1	20 654,5
international systems, of which:	37 645,4	40 836,2
Visa International, of which:	26 810,5	30 913,3
debit	20 495,8	27 473,2
credit	4 739,8	1 491,1
Debit cards with credit limit and prepaid	1 574,8	1 949,1
MasterCard Worldwide, of which:	9 085,3	8 312,3
debit	8 822,7	7 958,4
credit	258,9	350,9
Debit cards with credit limit and prepaid	3,7	3,0
Number of used cards (thousand), of which:	26 317,8	30 736,1
local systems	10 916,2	12 310,4
international systems, of which:	15 401,6	18 425,7
Visa International, of which:	9 748,0	14 380,3
debit	9 079,8	13 822,9
credit	315,2	230,6
ADebit cards with credit limit and prepaid	353,0	326,8
MasterCard Worldwide, of which:	4 888,1	3 421,8
debit	4 808,0	3 330,5
credit	78,5	90,5
Debit cards with credit limit and prepaid	1,5	0,8
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
Specifications	As of 01.08.2022
	Total number of cards in circulation (thousand)			Number of used payment cards (thousand)
	debit	credit	others[2]	debit	credit	others²
Total, incl.	48 130	11 408	1 952	26 855	3 553	328
Akmola region	1 106	191	81	556	41	8
Aktobe region	1 886	421	111	976	109	16
Almaty region	2 347	306	150	1 227	81	12
Atyrau region	1 696	337	97	890	86	13
East Kazakhstan reg.	2 625	540	160	1 313	122	21
Jambul region	1 797	324	111	917	82	7
West Kazakhstan reg.	1 387	293	71	710	70	9
Karaganda region	2 996	576	219	1 554	147	70
Kostanai region	1 673	298	75	839	67	8
Kyzylorda region	1 444	285	94	692	78	7
Mangistau region	1 672	322	74	838	88	11
Pavlodar region	1 584	329	101	831	76	16
North Kazakhstan reg.	910	147	42	451	28	4
Turkestan reg.	1 958	85	117	876	24	7
Almaty city	16 314	5 347	223	10 680	2 010	80
Shymkent city	2 815	839	78	1 396	211	13
Nur-Sultan city	3 920	768	147	2 108	234	26

Table 3
Specifications	As of 01.07.2022
Specifications	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
Specifications	January-July
Specifications	Cashless payments	Cash withdrawals
2021
Number of transactions (thousand) of which;	3 192 299,32	160 023,15
local systems	2 539 818,22	10 376,81
international systems, of which:	652 481,10	149 646,34
Visa International	379 397,99	90 126,67
MasterCard Worldwide	267 804,83	52 862,94
Volume (mln.tenge), of which;	36 426 394,12	11 350 999,62
local systems	28 424 601,65	570 058,85
international systems, of which:	8 001 792,47	10 780 940,77
Visa International	5 286 507,18	6 749 511,67
MasterCard Worldwide	2 637 726,31	3 643 927,27
2022
Number of transactions (thousand) of which;	4 548 605,48	149 266,50
local systems	3 864 022,50	19 225,74
international systems, of which:	684 582,98	130 040,76
Visa International	510 830,90	97 082,97
MasterCard Worldwide	138 343,42	27 528,40
Volume (mln.tenge), of which;	53 599 705,09	12 125 435,83
local systems	42 136 710,47	1 251 949,70
international systems, of which:	11 462 994,62	10 873 486,13
Visa International	7 488 517,75	7 995 926,50
MasterCard Worldwide	2 398 658,24	2 544 691,83

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

Table 5
Specifications	January-July 2022
	Cashless payments		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
Total, incl.	4 490 761,1	52 924 571,8	152 666,3	12 226 005,4
Akmola region	63 396,6	682 750,8	5 222,3	323 170,2
Aktobe region	158 545,2	1 716 483,8	7 333,4	511 662,3
Almaty region	163 308,8	1 836 305,3	10 237,9	694 457,7
Atyrau region	153 028,7	2 025 250,1	5 721,1	484 876,5
East Kazakhstan reg.	142 114,7	1 604 560,2	12 287,2	765 210,5
Jambul region	131 104,9	1 430 236,8	7 503,4	508 421,2
West Kazakhstan reg.	95 012,8	1 095 007,9	5 689,4	375 331,2
Karaganda region	219 704,1	2 602 696,9	13 177,6	897 360,3
Kostanai region	100 582,6	996 711,3	6 766,9	448 890,4
Kyzylorda region	103 578,0	1 204 659,8	5 360,6	372 487,1
Mangistau region	148 599,9	2 013 632,3	5 735,7	548 050,0
Pavlodar region	103 739,4	1 101 718,7	7 550,0	475 665,4
North Kazakhstan reg.	41 948,4	442 530,0	4 320,7	260 815,4
Turkestan reg.	102 123,3	1 333 529,7	7 012,2	543 623,3
Almaty city	1 967 116,9	23 229 084,2	26 641,0	2 795 875,9
Nur-Sultan city	509 107,3	6 099 916,9	13 315,3	1 424 923,3
Shimkent city	287 749,5	3 509 497,2	8 791,8	795 184,5

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-July 2022
	Cashless payments		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
Total, incl.	4 490 761,1	52 924 571,8	152 666,3	12 226 005,4
POS - terminal	1 658 488,4	8 962 596,0	1 948,1	1 409 254,8
ATM	668,5	80 806,6	150 718,1	10 816 750,6
Internet and mobile phone	2 831 603,1	43 881 013,3	-	-
Payment terminals	1,1	155,9	-	-

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-July
	Cashless payments		Cash withdrawals
	Number of transactions (thousand)	Amount (mln.tenge)	Number of transactions (thousand)	Amount (mln.tenge)
2021
Total, incl.	47 443,1	494 638,0	1 598,6	103 701,6
POS - terminal	18 426,2	237 884,9	18,05	4 658,68
ATM	8,5	508,3	1 580,54	99 042,72
Internet and mobile phone	28 861,3	253 120,1	-	-
others	147,1	3 124,7	0,0	0,2
2022
Total, incl.	50 533,2	849 345,8	2 006,0	130 599,5
POS - terminal	20 655,2	450 054,7	37,1	6 255,7
ATM	7,3	481,3	1 968,9	124 343,9
Internet and mobile phone	29 723,7	389 283,6	-	-
others	147,1	9 526,2	-	-

[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.