Version ¹232 от 27/01/2023
As of January 01, 2023 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 January 01, 2023, 65.1 million payment cards are in circulation. The most common are debit cards, their share is 78.77%, the share of credit cards is 18.07%. Debit cards with a credit limit and prepaid cards account for 3.16%.
In December 2022, the volume of transactions using payment cards of Kazakhstani issuers amounted to 13.3 trillion tenge, the number – 880.6 million transactions. At the same time, compared to the same period of 2021, the number of non-cash transactions increased by 33.7% and reached up to 858.8 million transactions and amount by 40.6%, reaching 11.3 trillion tenge. The holders of payment cards carried out 21.8 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to December 2021 by 11.1% and in the volume of cash withdrawal operations by 4.1%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (64.6% of the total number of transactions and 82.1% of the total volume of non-cash payments and money transfers) and POS terminals (35.4% and 17.7% 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 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 01.01.2022 |
As of 01.01.2023 |
|
Total number of cards in circulation (thousand), of which: |
59 258,3 |
65 080,0 |
|
local systems |
19 649,5 |
22 165,8 |
|
international systems, of which: |
39 608,8 |
42 914,2 |
|
Visa International, of which: |
28 904,9 |
33 314,8 |
|
debit |
23 060,9 |
30 063,9 |
|
credit |
4 047,7 |
1 196,6 |
|
Debit cards with credit limit and prepaid |
1 796,2 |
2 054,3 |
|
MasterCard Worldwide, of which: |
9 024,6 |
7 980,3 |
|
debit |
8 726,3 |
7 654,0 |
|
credit |
294,0 |
324,2 |
|
Debit cards with credit limit and prepaid |
4,3 |
2,0 |
|
Number of used cards (thousand), of which: |
30 412,8 |
33 430,6 |
|
local systems |
12 191,9 |
13 437,5 |
|
international systems, of which: |
18 220,9 |
19 993,0 |
|
Visa International, of which: |
12 684,1 |
16 698,4 |
|
debit |
11 911,7 |
15 817,9 |
|
credit |
380,4 |
390,9 |
|
ADebit cards with credit limit and prepaid |
392,0 |
489,6 |
|
MasterCard Worldwide, of which: |
4 809,8 |
2 711,0 |
|
debit |
4 720,1 |
2 634,1 |
|
credit |
88,2 |
76,2 |
|
Debit cards with credit limit and prepaid |
1,6 |
0,7 |
|
Quarterly specifications |
01.01.2022 |
01.01.2023 |
|
Number of POS - terminals (units), of which: |
509 194 |
831 780 |
|
commercial enterprises |
500 684 |
815 501 |
|
banks |
8 510 |
16 279 |
|
Number of ATM (units) , of which: |
12 443 |
12 391 |
|
with cash distribution function |
6 195 |
5 378 |
|
with cash reception and distribution functions |
6 248 |
7 013 |
|
Number of commercial enterprises (units) |
273 947 |
567 687 |
|
Number of users of online bank service (thousand units)[1] |
19 288,87 |
22 912,09 |
|
Table 2 |
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|
Specifications |
As of 01.01.2023 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
51 264 |
11 759 |
2 056 |
28 837 |
4 104 |
490 |
|
Akmola region |
1 160 |
184 |
83 |
579 |
47 |
12 |
|
Aktobe region |
1 976 |
399 |
117 |
1 009 |
117 |
22 |
|
Almaty region |
2 593 |
298 |
156 |
1 353 |
82 |
17 |
|
Atyrau region |
1 744 |
316 |
98 |
912 |
93 |
15 |
|
East Kazakhstan reg. |
2 757 |
512 |
163 |
1 363 |
136 |
27 |
|
Jambul region |
1 890 |
318 |
113 |
948 |
84 |
10 |
|
West Kazakhstan reg. |
1 448 |
280 |
74 |
743 |
80 |
11 |
|
Karaganda region |
3 149 |
552 |
216 |
1 606 |
162 |
81 |
|
Kostanai region |
1 747 |
282 |
77 |
875 |
73 |
12 |
|
Kyzylorda region |
1 515 |
280 |
96 |
716 |
78 |
9 |
|
Mangistau region |
1 739 |
291 |
78 |
869 |
89 |
14 |
|
Pavlodar region |
1 644 |
311 |
102 |
858 |
84 |
21 |
|
North Kazakhstan reg. |
979 |
139 |
44 |
484 |
34 |
6 |
|
Turkestan reg. |
2 102 |
85 |
124 |
920 |
24 |
11 |
|
Almaty city |
17 733 |
5 978 |
297 |
11 921 |
2 442 |
169 |
|
Shymkent city |
2 931 |
807 |
69 |
1 447 |
231 |
17 |
|
Nur-Sultan city |
4 159 |
729 |
151 |
2 233 |
246 |
38 |
|
Table 3 |
||||
|
Specifications |
As of 01.01.2023 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
831 780 |
12 391 |
567 687 |
778 988 |
|
Akmola region |
27 894 |
400 |
18 678 |
25 736 |
|
Aktobe region |
41 532 |
606 |
28 992 |
39 319 |
|
Almaty region |
45 116 |
539 |
50 514 |
46 711 |
|
Atyrau region |
32 410 |
592 |
21 996 |
30 475 |
|
East Kazakhstan reg. |
47 990 |
940 |
31 597 |
42 935 |
|
Jambul region |
28 736 |
518 |
23 432 |
27 967 |
|
West Kazakhstan reg. |
30 109 |
453 |
19 564 |
27 160 |
|
Karaganda region |
61 467 |
1 070 |
39 600 |
54 320 |
|
Kostanai region |
39 344 |
480 |
23 153 |
34 836 |
|
Kyzylorda region |
21 756 |
407 |
20 054 |
23 077 |
|
Mangistau region |
37 241 |
600 |
25 011 |
35 751 |
|
Pavlodar region |
39 105 |
587 |
22 155 |
33 631 |
|
North Kazakhstan reg. |
18 340 |
338 |
10 671 |
15 947 |
|
Turkestan reg. |
21 222 |
429 |
27 296 |
23 271 |
|
Almaty city |
180 764 |
2 261 |
98 114 |
167 188 |
|
Shimkent city |
47 285 |
748 |
34 134 |
49 546 |
|
Nur-Sultan city |
111 469 |
1 423 |
72 726 |
101 118 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2021 |
||
|
Number of transactions (thousand) of which; |
6 271 337,61 |
271 148,23 |
|
local systems |
5 132 567,19 |
20 995,34 |
|
international systems, of which: |
1 138 770,42 |
250 152,89 |
|
Visa International |
716 074,61 |
157 969,62 |
|
MasterCard Worldwide |
413 445,43 |
81 127,51 |
|
Volume (mln.tenge), of which; |
73 123 296,72 |
20 589 962,02 |
|
local systems |
58 304 597,66 |
1 298 014,75 |
|
international systems, of which: |
14 818 699,06 |
19 291 947,27 |
|
Visa International |
10 189 814,05 |
12 567 200,16 |
|
MasterCard Worldwide |
4 487 834,73 |
6 074 346,61 |
|
2022 |
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|
Number of transactions (thousand) of which; |
8 586 764,57 |
254 295,94 |
|
local systems |
7 290 148,27 |
38 407,46 |
|
international systems, of which: |
1 296 616,30 |
215 888,48 |
|
Visa International |
966 485,50 |
166 113,36 |
|
MasterCard Worldwide |
211 886,87 |
40 960,65 |
|
Volume (mln.tenge), of which; |
103 787 622,70 |
21 356 451,15 |
|
local systems |
80 253 090,59 |
2 672 060,36 |
|
international systems, of which: |
23 534 532,11 |
18 684 390,79 |
|
Visa International |
14 199 488,21 |
14 146 608,77 |
|
MasterCard Worldwide |
4 254 247,59 |
3 986 465,44 |
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-December 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 506 547,3 |
102 808 018,7 |
263 189,7 |
21 788 782,3 |
|
Akmola region |
121 159,6 |
1 336 280,6 |
8 886,4 |
565 930,4 |
|
Aktobe region |
295 590,2 |
3 327 028,4 |
12 793,6 |
926 552,3 |
|
Almaty region |
311 539,3 |
3 613 809,7 |
17 552,1 |
1 223 283,1 |
|
Atyrau region |
284 166,4 |
3 812 017,5 |
9 614,1 |
826 260,3 |
|
East Kazakhstan reg. |
273 406,7 |
3 111 592,2 |
20 513,8 |
1 311 091,7 |
|
Jambul region |
243 934,2 |
2 763 530,5 |
12 777,0 |
884 200,9 |
|
West Kazakhstan reg. |
186 386,5 |
2 158 611,9 |
9 785,3 |
693 569,1 |
|
Karaganda region |
404 875,7 |
4 952 687,7 |
22 457,7 |
1 569 531,7 |
|
Kostanai region |
189 197,8 |
1 971 575,8 |
11 526,9 |
797 312,1 |
|
Kyzylorda region |
193 614,3 |
2 342 282,1 |
8 998,8 |
636 663,2 |
|
Mangistau region |
277 255,2 |
3 764 545,2 |
9 744,5 |
920 605,8 |
|
Pavlodar region |
195 436,8 |
2 132 685,9 |
12 792,7 |
824 273,3 |
|
North Kazakhstan reg. |
81 207,4 |
885 400,2 |
7 531,2 |
479 435,1 |
|
Turkestan reg. |
189 198,1 |
2 566 906,3 |
11 755,7 |
932 667,8 |
|
Almaty city |
3 771 571,8 |
45 199 078,8 |
48 685,6 |
5 321 430,1 |
|
Nur-Sultan city |
955 905,1 |
12 039 828,5 |
22 970,0 |
2 508 478,6 |
|
Shimkent city |
532 101,9 |
6 830 157,2 |
14 804,1 |
1 367 496,9 |
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-December 2022 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 506 547,3 |
102 808 018,7 |
263 189,7 |
21 788 782,3 |
|
POS - terminal |
3 174 604,5 |
17 957 782,7 |
3 171,7 |
2 235 004,0 |
|
ATM |
1 098,9 |
138 581,2 |
260 017,9 |
19 553 778,4 |
|
Internet and mobile phone |
5 330 842,5 |
84 711 410,9 |
- |
- |
|
Payment terminals |
1,4 |
243,8 |
- |
- |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2021 |
||||
|
Total, incl. |
90 470,7 |
967 004,0 |
3 176,1 |
206 602,7 |
|
POS - terminal |
37 206,7 |
487 766,7 |
31,97 |
9 221,83 |
|
ATM |
13,2 |
822,8 |
3 144,15 |
197 380,85 |
|
Internet and mobile phone |
52 979,6 |
472 916,1 |
- |
- |
|
others |
271,2 |
5 498,4 |
- |
- |
|
2022 |
||||
|
Total, incl. |
97 067,9 |
1 722 754,1 |
3 562,6 |
252 199,9 |
|
POS - terminal |
41 032,0 |
915 685,5 |
51,0 |
10 161,0 |
|
ATM |
16,8 |
1 277,0 |
3 511,6 |
242 038,8 |
|
Internet and mobile phone |
55 425,8 |
781 027,5 |
- |
- |
|
others |
593,3 |
24 764,2 |
- |
- |
[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.
