Version ¹229 от 28/10/2022
As of October 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 October 01, 2022, 62.7 million payment cards are in circulation. The most common are debit cards, their share is 78.51%, the share of credit cards is 18.37%. Debit cards with a credit limit and prepaid cards account for 3.12%.
In September 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 11.1 trillion tenge, the number – 810.9 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 30.8% and reached up to 790.5 million transactions and amount by 33.3%, reaching 9.3 trillion tenge. The holders of payment cards carried out 20.4 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 August 2021 by 6.4%, in the volume of cash withdrawal operations by 2.6%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.3% of the total number of transactions and 82.8% of the total volume of non-cash payments and money transfers) and POS terminals (35.6% and 16.8% 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.
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Table 1 |
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|
Specifications |
As of 01.10.2021 |
As of 01.10.2022 |
|
Total number of cards in circulation (thousand), of which: |
56 054,2 |
62 650,4 |
|
local systems |
18 444,8 |
21 241,1 |
|
international systems, of which: |
37 609,4 |
41 409,3 |
|
Visa International, of which: |
29 599,7 |
31 584,0 |
|
debit |
23 544,5 |
28 320,3 |
|
credit |
4 614,1 |
1 314,6 |
|
Debit cards with credit limit and prepaid |
1 441,1 |
1 949,2 |
|
MasterCard Worldwide, of which: |
6 233,9 |
8 164,0 |
|
debit |
5 971,4 |
7 806,4 |
|
credit |
258,2 |
355,1 |
|
Debit cards with credit limit and prepaid |
4,2 |
2,5 |
|
Number of used cards (thousand), of which: |
26 335,3 |
31 731,8 |
|
local systems |
11 712,9 |
12 603,2 |
|
international systems, of which: |
14 622,5 |
19 128,6 |
|
Visa International, of which: |
11 336,1 |
15 482,0 |
|
debit |
10 790,4 |
14 685,1 |
|
credit |
293,1 |
412,3 |
|
ADebit cards with credit limit and prepaid |
252,6 |
384,6 |
|
MasterCard Worldwide, of which: |
2 527,4 |
3 025,6 |
|
debit |
2 464,5 |
2 944,6 |
|
credit |
61,0 |
80,3 |
|
Debit cards with credit limit and prepaid |
1,9 |
0,8 |
|
Quarterly specifications |
01.10.2021 |
01.10.2022 |
|
Number of POS - terminals (units), of which: |
437 680 |
748 982 |
|
commercial enterprises |
429 207 |
732 503 |
|
banks |
8 473 |
16 479 |
|
Number of ATM (units) , of which: |
12 523 |
12 452 |
|
with cash distribution function |
6 826 |
5 301 |
|
with cash reception and distribution functions |
5 697 |
7 151 |
|
Number of commercial enterprises (units) |
241 930 |
508 502 |
|
Number of users of online bank service (thousand units)[1] |
18 073,93 |
21 796,90 |
|
Table 2 |
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|
Specifications |
As of 01.10.2022 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
49 190 |
11 509 |
1 952 |
27 623 |
3 723 |
385 |
|
Akmola region |
1 128 |
187 |
82 |
563 |
43 |
10 |
|
Aktobe region |
1 918 |
412 |
113 |
987 |
111 |
19 |
|
Almaty region |
2 410 |
298 |
152 |
1 249 |
81 |
15 |
|
Atyrau region |
1 702 |
326 |
96 |
902 |
91 |
13 |
|
East Kazakhstan reg. |
2 669 |
525 |
160 |
1 321 |
129 |
26 |
|
Jambul region |
1 840 |
323 |
111 |
934 |
78 |
8 |
|
West Kazakhstan reg. |
1 400 |
287 |
73 |
717 |
75 |
11 |
|
Karaganda region |
3 062 |
566 |
217 |
1 566 |
150 |
75 |
|
Kostanai region |
1 699 |
291 |
76 |
847 |
69 |
10 |
|
Kyzylorda region |
1 472 |
285 |
95 |
703 |
73 |
8 |
|
Mangistau region |
1 686 |
299 |
76 |
852 |
86 |
14 |
|
Pavlodar region |
1 604 |
321 |
101 |
839 |
78 |
20 |
|
North Kazakhstan reg. |
935 |
142 |
43 |
456 |
31 |
6 |
|
Turkestan reg. |
2 029 |
86 |
119 |
902 |
23 |
9 |
|
Almaty city |
16 811 |
5 583 |
228 |
11 240 |
2 147 |
94 |
|
Shymkent city |
2 838 |
826 |
65 |
1 404 |
221 |
14 |
|
Nur-Sultan city |
3 986 |
752 |
145 |
2 142 |
239 |
33 |
|
Table 3 |
||||
|
Specifications |
As of 01.10.2022 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
748 982 |
12 452 |
508 502 |
672 272 |
|
Akmola region |
25 555 |
390 |
17 152 |
22 694 |
|
Aktobe region |
37 397 |
598 |
26 146 |
34 059 |
|
Almaty region |
31 519 |
553 |
39 765 |
32 604 |
|
Atyrau region |
28 559 |
602 |
19 474 |
25 943 |
|
East Kazakhstan reg. |
43 966 |
944 |
28 661 |
38 053 |
|
Jambul region |
25 840 |
520 |
20 599 |
24 014 |
|
West Kazakhstan reg. |
27 377 |
450 |
17 488 |
23 625 |
|
Karaganda region |
56 495 |
1 066 |
37 121 |
48 413 |
|
Kostanai region |
36 887 |
477 |
22 717 |
31 719 |
|
Kyzylorda region |
19 422 |
400 |
17 302 |
19 288 |
|
Mangistau region |
34 029 |
598 |
22 281 |
31 095 |
|
Pavlodar region |
35 988 |
605 |
21 639 |
30 276 |
|
North Kazakhstan reg. |
16 775 |
319 |
11 126 |
14 236 |
|
Turkestan reg. |
17 282 |
422 |
21 609 |
18 030 |
|
Almaty city |
167 642 |
2 322 |
92 336 |
147 533 |
|
Shimkent city |
41 353 |
743 |
29 733 |
40 947 |
|
Nur-Sultan city |
102 896 |
1 443 |
63 353 |
89 743 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-September |
|
|
Cashless payments |
Cash withdrawals |
|
|
2021 |
||
|
Number of transactions (thousand) of which; |
4 387 964,34 |
203 982,60 |
|
local systems |
3 546 311,13 |
14 323,45 |
|
international systems, of which: |
841 653,22 |
189 659,16 |
|
Visa International |
505 137,13 |
116 370,21 |
|
MasterCard Worldwide |
329 813,54 |
64 783,31 |
|
Volume (mln.tenge), of which; |
50 207 403,24 |
14 886 521,90 |
|
local systems |
39 655 094,76 |
834 128,61 |
|
international systems, of which: |
10 552 308,48 |
14 052 393,28 |
|
Visa International |
7 091 759,14 |
8 946 568,30 |
|
MasterCard Worldwide |
3 360 675,80 |
4 608 887,25 |
|
2022 |
||
|
Number of transactions (thousand) of which; |
6 127 273,81 |
191 585,41 |
|
local systems |
5 209 628,81 |
26 646,97 |
|
international systems, of which: |
917 645,00 |
164 938,44 |
|
Visa International |
683 292,65 |
124 686,40 |
|
MasterCard Worldwide |
169 906,12 |
33 370,43 |
|
Volume (mln.tenge), of which; |
72 408 516,24 |
15 737 398,77 |
|
local systems |
56 366 845,22 |
1 777 328,36 |
|
international systems, of which: |
16 041 671,02 |
13 960 070,41 |
|
Visa International |
10 017 731,49 |
10 390 195,74 |
|
MasterCard Worldwide |
3 120 589,53 |
3 145 286,87 |
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-September 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 060 510,6 |
71 553 977,6 |
197 406,0 |
15 995 829,9 |
|
Akmola region |
85 789,7 |
928 136,3 |
6 686,4 |
419 052,7 |
|
Aktobe region |
212 319,0 |
2 323 549,0 |
9 625,3 |
684 746,0 |
|
Almaty region |
216 021,3 |
2 433 341,3 |
13 156,9 |
901 443,5 |
|
Atyrau region |
204 972,8 |
2 712 146,5 |
7 314,0 |
623 155,2 |
|
East Kazakhstan reg. |
192 091,4 |
2 160 276,3 |
15 596,4 |
979 054,1 |
|
Jambul region |
176 116,2 |
1 936 031,0 |
9 649,2 |
658 272,4 |
|
West Kazakhstan reg. |
130 395,4 |
1 488 598,1 |
7 432,1 |
507 780,8 |
|
Karaganda region |
292 412,9 |
3 487 992,2 |
16 946,9 |
1 160 364,3 |
|
Kostanai region |
134 899,4 |
1 357 113,6 |
8 701,9 |
588 819,5 |
|
Kyzylorda region |
138 995,2 |
1 650 279,2 |
6 842,3 |
479 237,4 |
|
Mangistau region |
199 698,4 |
2 675 822,4 |
7 359,9 |
697 151,8 |
|
Pavlodar region |
138 941,5 |
1 485 678,6 |
9 681,0 |
614 864,6 |
|
North Kazakhstan reg. |
57 303,8 |
610 704,9 |
5 660,9 |
353 858,6 |
|
Turkestan reg. |
137 128,7 |
1 811 853,6 |
8 949,0 |
700 777,5 |
|
Almaty city |
2 671 263,4 |
31 401 596,1 |
35 381,0 |
3 753 672,6 |
|
Nur-Sultan city |
685 949,9 |
8 307 619,3 |
17 224,0 |
1 853 670,4 |
|
Shimkent city |
386 211,5 |
4 783 239,3 |
11 198,8 |
1 019 908,5 |
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 |
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|
Specifications |
January-September 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 060 510,6 |
71 553 977,6 |
197 406,0 |
15 995 829,9 |
|
POS - terminal |
2 251 894,5 |
12 233 953,9 |
2 426,0 |
1 737 656,8 |
|
ATM |
844,6 |
107 281,9 |
194 980,0 |
14 258 173,1 |
|
Internet and mobile phone |
3 807 770,3 |
59 212 542,8 |
- |
- |
|
Payment terminals |
1,2 |
198,9 |
- |
- |
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-September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2021 |
||||
|
Total, incl. |
63 169,8 |
670 668,2 |
2 187,0 |
142 814,8 |
|
POS - terminal |
25 415,8 |
331 781,9 |
23,63 |
6 719,73 |
|
ATM |
10,3 |
615,1 |
2 163,39 |
136 095,11 |
|
Internet and mobile phone |
37 569,3 |
334 448,8 |
- |
- |
|
others |
174,3 |
3 822,4 |
- |
- |
|
2022 |
||||
|
Total, incl. |
66 131,5 |
1 167 151,4 |
2 537,4 |
169 545,0 |
|
POS - terminal |
27 395,5 |
619 790,6 |
42,0 |
7 445,3 |
|
ATM |
10,8 |
781,7 |
2 495,5 |
162 099,7 |
|
Internet and mobile phone |
38 430,6 |
528 867,0 |
- |
- |
|
others |
294,7 |
17 712,1 |
- |
- |
[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.
