Version ¹228 от 30/09/2022
As of September 01, 2022 actual origination of the payment cards were realized by 18 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 September 01, 2022, 61.8 million payment cards are in circulation. The most common are debit cards, their share is 78.39%, the share of credit cards is 18.51%. Debit cards with a credit limit and prepaid cards account for 3.10%.
In August 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11.4 trillion tenge, the number – 810.1 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 33.3% and reached up to 788.1 million transactions and amount by 39.8%, reaching 9,5 trillion tenge. The holders of payment cards carried out 21.9 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 August 2021 by 1.1%. At the same time, the volume of cash withdrawal operations increased by 7.1%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.5% of the total number of transactions and 82.4% of the total volume of non-cash payments and money transfers) and POS terminals (35.6% and 17.3% 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 91.0% 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 01.09.2021 |
As of 01.09.2022 |
|
Total number of cards in circulation (thousand), of which: |
55 745,7 |
61 777,6 |
|
local systems |
18 164,3 |
20 952,7 |
|
international systems, of which: |
37 581,4 |
40 824,9 |
|
Visa International, of which: |
27 130,5 |
30 962,9 |
|
debit |
20 777,5 |
27 678,6 |
|
credit |
4 739,6 |
1 374,9 |
|
Debit cards with credit limit and prepaid |
1 613,5 |
1 909,4 |
|
MasterCard Worldwide, of which: |
8 659,8 |
8 217,2 |
|
debit |
8 398,3 |
7 856,3 |
|
credit |
257,9 |
358,2 |
|
Debit cards with credit limit and prepaid |
3,6 |
2,7 |
|
Number of used cards (thousand), of which: |
26 689,7 |
31 128,5 |
|
local systems |
11 477,3 |
12 495,6 |
|
international systems, of which: |
15 212,4 |
18 632,9 |
|
Visa International, of which: |
9 852,8 |
14 774,7 |
|
debit |
9 163,0 |
14 080,5 |
|
credit |
326,5 |
317,6 |
|
ADebit cards with credit limit and prepaid |
363,3 |
376,7 |
|
MasterCard Worldwide, of which: |
4 584,9 |
3 228,5 |
|
debit |
4 499,5 |
3 139,5 |
|
credit |
84,0 |
88,2 |
|
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] |
16 456,20 |
20 546,70 |
|
Table 2 |
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|
Specifications |
As of 01.09.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
48 431 |
11 435 |
1 912 |
27 082 |
3 669 |
377 |
|
Akmola region |
1 111 |
188 |
81 |
554 |
43 |
11 |
|
Aktobe region |
1 892 |
416 |
112 |
971 |
110 |
20 |
|
Almaty region |
2 384 |
306 |
151 |
1 233 |
80 |
16 |
|
Atyrau region |
1 686 |
330 |
96 |
890 |
89 |
14 |
|
East Kazakhstan reg. |
2 633 |
529 |
157 |
1 299 |
128 |
25 |
|
Jambul region |
1 816 |
323 |
111 |
914 |
81 |
9 |
|
West Kazakhstan reg. |
1 381 |
289 |
72 |
708 |
75 |
11 |
|
Karaganda region |
3 017 |
569 |
216 |
1 546 |
150 |
78 |
|
Kostanai region |
1 673 |
294 |
75 |
835 |
67 |
11 |
|
Kyzylorda region |
1 458 |
285 |
95 |
692 |
76 |
9 |
|
Mangistau region |
1 673 |
317 |
73 |
838 |
88 |
12 |
|
Pavlodar region |
1 584 |
323 |
99 |
827 |
78 |
19 |
|
North Kazakhstan reg. |
917 |
143 |
42 |
452 |
30 |
6 |
|
Turkestan reg. |
1 989 |
85 |
118 |
880 |
23 |
10 |
|
Almaty city |
16 479 |
5 449 |
208 |
10 943 |
2 099 |
80 |
|
Shymkent city |
2 809 |
832 |
64 |
1 397 |
214 |
14 |
|
Nur-Sultan city |
3 929 |
759 |
142 |
2 102 |
238 |
34 |
|
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-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2021 |
||
|
Number of transactions (thousand) of which; |
3 783 409,52 |
182 186,84 |
|
local systems |
3 035 477,70 |
12 279,70 |
|
international systems, of which: |
747 931,83 |
169 907,14 |
|
Visa International |
441 915,86 |
103 376,50 |
|
MasterCard Worldwide |
300 000,52 |
58 933,05 |
|
Volume (mln.tenge), of which; |
43 230 392,25 |
13 084 089,46 |
|
local systems |
33 959 114,01 |
695 834,32 |
|
international systems, of which: |
9 271 278,24 |
12 388 255,13 |
|
Visa International |
6 172 254,85 |
7 823 180,55 |
|
MasterCard Worldwide |
3 009 571,34 |
4 121 771,05 |
|
2022 |
||
|
Number of transactions (thousand) of which; |
5 336 734,76 |
171 191,63 |
|
local systems |
4 534 306,21 |
22 951,80 |
|
international systems, of which: |
802 428,55 |
148 239,83 |
|
Visa International |
596 698,63 |
111 385,39 |
|
MasterCard Worldwide |
154 809,61 |
30 679,55 |
|
Volume (mln.tenge), of which; |
63 109 012,55 |
13 981 362,34 |
|
local systems |
49 328 149,97 |
1 514 833,45 |
|
international systems, of which: |
13 780 862,58 |
12 466 528,89 |
|
Visa International |
8 738 514,92 |
9 227 262,05 |
|
MasterCard Worldwide |
2 760 001,89 |
2 859 515,50 |
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-August 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 273 927,4 |
62 327 467,2 |
175 714,8 |
14 144 176,7 |
|
Akmola region |
74 699,3 |
807 578,0 |
5 985,5 |
372 389,1 |
|
Aktobe region |
185 858,0 |
2 023 230,3 |
8 512,5 |
599 171,3 |
|
Almaty region |
192 659,3 |
2 179 049,4 |
11 765,5 |
803 149,7 |
|
Atyrau region |
179 376,2 |
2 370 562,8 |
6 540,7 |
554 817,2 |
|
East Kazakhstan reg. |
166 918,6 |
1 885 484,5 |
14 009,2 |
877 187,5 |
|
Jambul region |
153 916,8 |
1 686 677,4 |
8 621,9 |
586 148,4 |
|
West Kazakhstan reg. |
112 959,8 |
1 294 851,8 |
6 559,0 |
439 439,9 |
|
Karaganda region |
256 289,3 |
3 046 556,0 |
15 129,5 |
1 031 883,3 |
|
Kostanai region |
117 698,9 |
1 176 007,5 |
7 760,6 |
518 967,7 |
|
Kyzylorda region |
121 569,0 |
1 430 349,4 |
6 144,0 |
428 443,5 |
|
Mangistau region |
174 760,5 |
2 350 987,9 |
6 578,9 |
624 794,0 |
|
Pavlodar region |
121 357,8 |
1 294 798,8 |
8 650,6 |
546 412,4 |
|
North Kazakhstan reg. |
49 947,8 |
532 414,8 |
4 982,9 |
305 199,2 |
|
Turkestan reg. |
120 125,7 |
1 581 441,0 |
8 039,0 |
626 669,7 |
|
Almaty city |
2 310 271,0 |
27 287 579,1 |
31 094,5 |
3 279 362,6 |
|
Nur-Sultan city |
597 681,2 |
7 212 675,2 |
15 293,8 |
1 637 542,8 |
|
Shimkent city |
337 838,0 |
4 167 223,3 |
10 046,8 |
912 598,4 |
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-August 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 273 927,4 |
62 327 467,2 |
175 714,8 |
14 144 176,7 |
|
POS - terminal |
1 953 803,0 |
10 617 443,3 |
2 189,6 |
1 576 709,2 |
|
ATM |
753,5 |
93 850,5 |
173 525,2 |
12 567 467,5 |
|
Internet and mobile phone |
3 319 369,8 |
51 615 991,8 |
- |
- |
|
Payment terminals |
1,2 |
181,6 |
- |
- |
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-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2021 |
||||
|
Total, incl. |
55 098,0 |
580 986,0 |
1 876,9 |
122 262,0 |
|
POS - terminal |
21 710,5 |
284 708,7 |
20,76 |
5 618,94 |
|
ATM |
9,4 |
552,7 |
1 856,14 |
116 642,90 |
|
Internet and mobile phone |
33 210,2 |
292 115,3 |
- |
- |
|
others |
167,9 |
3 609,3 |
0,0 |
0,2 |
|
2022 |
||||
|
Total, incl. |
58 322,0 |
1 005 661,2 |
2 259,1 |
148 853,9 |
|
POS - terminal |
24 059,6 |
537 360,6 |
39,7 |
6 896,5 |
|
ATM |
8,7 |
575,7 |
2 219,3 |
141 957,4 |
|
Internet and mobile phone |
34 008,8 |
455 855,6 |
- |
- |
|
others |
244,8 |
11 869,4 |
- |
- |
[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.
