Version ¹248 от 29/05/2024
As of May 01, 2024 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 and Diners Club International. Beside banks of Kazakhstan issue payment cards of the local systems like local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of May 01, 2024, 76.6 million payment cards are in circulation. The most common are debit cards, their share is 80.5%, the share of credit cards is 16.1%. Debit cards with a credit limit and prepaid cards account for 3.5%.
In April 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 14.4 trillion tenge, the number – 1.1 bln transactions. At the same time, compared to the same period of 2023, the number of non-cash transactions increased by 17.1% and reached up to 1.0 bln transactions and by 17.0%, reaching 12.3 trillion tenge. The holders of payment cards carried out 20.4 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is an increase in the number of cash withdrawal operations compared to April 2023 by 0.1%. At the same time, the volume of cash withdrawal operations increased by 8.6%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.2% of the total number of transactions and 90.2% of the total volume of non-cash payments and money transfers) and POS terminals (19.7% and 9.5% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.2% and 86.6% 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.
|
Table 1 |
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|
Specifications |
01.05.2023 |
01.05.2024 |
|
Total number of cards in circulation (thousand), of which: |
68 984,8 |
76 628,0 |
|
local systems |
23 077,6 |
25 495,7 |
|
international systems, of which: |
45 907,2 |
51 132,3 |
|
Visa International, of which: |
35 721,2 |
38 240,5 |
|
debit |
32 868,9 |
35 095,3 |
|
credit |
1 200,5 |
665,3 |
|
Debit cards with credit limit and prepaid |
1 651,8 |
2 479,9 |
|
MasterCard Worldwide, of which: |
8 555,4 |
11 526,8 |
|
debit |
8 225,2 |
11 202,7 |
|
credit |
147,0 |
155,0 |
|
Debit cards with credit limit and prepaid |
183,3 |
169,2 |
|
Number of used cards (thousand), of which: |
35 674,1 |
38 871,1 |
|
local systems |
14 507,5 |
16 028,4 |
|
international systems, of which: |
21 166,6 |
22 842,7 |
|
Visa International, of which: |
17 991,9 |
19 323,6 |
|
debit |
17 402,1 |
18 642,1 |
|
credit |
378,3 |
265,3 |
|
ADebit cards with credit limit and prepaid |
211,5 |
416,2 |
|
MasterCard Worldwide, of which: |
2 634,0 |
3 053,2 |
|
debit |
2 557,8 |
2 976,6 |
|
credit |
44,2 |
46,7 |
|
Debit cards with credit limit and prepaid |
31,9 |
29,9 |
|
Quarterly specifications |
01.04.2023 |
01.04.2024 |
|
Number of POS - terminals (units), of which: |
867 685 |
1 134 474 |
|
commercial enterprises |
851 975 |
1 126 552 |
|
banks |
15 710 |
7 922 |
|
Number of ATM (units) , of which: |
12 436 |
12 727 |
|
with cash distribution function |
5 336 |
4 946 |
|
with cash reception and distribution functions |
7 100 |
7 781 |
|
Number of commercial enterprises (units) |
649 571 |
813 114 |
|
Number of users of online bank service(thousand units)[1] |
23 095,4 |
23 262,7 |
|
Table 2 |
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|
Specifications |
As of 01.05.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
61 669,4 |
12 309,5 |
2 649,1 |
34 072,1 |
4 352,9 |
446,2 |
|
Akmola region |
1 858,7 |
416,9 |
103,7 |
1 066,6 |
146,0 |
15,9 |
|
Aktobe region |
2 636,5 |
636,2 |
125,3 |
1 479,6 |
230,8 |
17,1 |
|
Almaty region |
2 897,0 |
1 062,8 |
204,7 |
2 042,6 |
388,1 |
24,7 |
|
Atyrau region |
2 164,1 |
483,1 |
106,6 |
1 205,9 |
164,1 |
10,6 |
|
East Kazakhstan reg. |
2 080,4 |
455,0 |
170,0 |
1 134,8 |
153,5 |
22,2 |
|
Jambul region |
2 846,3 |
653,3 |
147,1 |
1 610,0 |
225,2 |
13,2 |
|
West Kazakhstan reg. |
1 960,3 |
470,1 |
90,4 |
1 101,1 |
161,6 |
11,4 |
|
Karaganda region |
3 463,6 |
738,8 |
155,5 |
1 930,6 |
262,3 |
21,8 |
|
Kostanai region |
2 307,5 |
469,3 |
101,9 |
1 261,3 |
156,3 |
17,3 |
|
Kyzylorda region |
2 181,5 |
537,0 |
127,0 |
1 196,7 |
191,2 |
11,6 |
|
Mangistau region |
2 246,7 |
521,5 |
81,1 |
1 263,9 |
196,7 |
9,5 |
|
Pavlodar region |
2 200,0 |
470,7 |
107,1 |
1 232,4 |
163,7 |
17,2 |
|
North Kazakhstan reg. |
1 431,4 |
262,9 |
58,9 |
770,3 |
81,0 |
9,6 |
|
Turkestan reg. |
4 080,2 |
1 150,2 |
188,7 |
2 441,6 |
371,1 |
19,6 |
|
Almaty city |
14 385,0 |
1 389,4 |
611,7 |
7 592,9 |
491,6 |
176,2 |
|
Shymkent city |
3 538,7 |
717,3 |
65,5 |
1 750,3 |
258,5 |
7,9 |
|
Astana city |
5 010,2 |
1 002,4 |
175,1 |
2 649,0 |
410,6 |
36,6 |
|
Jetysu reg. |
2 036,3 |
370,4 |
12,6 |
1 059,4 |
123,3 |
1,6 |
|
Abay reg. |
1 738,8 |
357,2 |
11,4 |
926,3 |
124,4 |
1,5 |
|
Ulytau reg. |
606,2 |
145,1 |
4,8 |
356,7 |
53,0 |
0,7 |
|
Table 3 |
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|
Specifications |
As of 01.04.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 134 474 |
12 727 |
813 114 |
1 058 514 |
|
Akmola region |
38 036 |
414 |
29 088 |
40 627 |
|
Aktobe region |
49 877 |
624 |
39 757 |
51 873 |
|
Almaty region |
47 960 |
310 |
48 481 |
55 488 |
|
Atyrau region |
40 377 |
616 |
30 872 |
41 013 |
|
East Kazakhstan reg. |
37 152 |
580 |
28 391 |
37 929 |
|
Jambul region |
44 094 |
549 |
36 085 |
46 980 |
|
West Kazakhstan reg. |
34 033 |
442 |
27 638 |
35 882 |
|
Karaganda region |
62 152 |
921 |
48 857 |
64 330 |
|
Kostanai region |
47 231 |
507 |
33 902 |
48 366 |
|
Kyzylorda region |
30 756 |
405 |
25 941 |
33 274 |
|
Mangistau region |
43 130 |
607 |
33 708 |
44 032 |
|
Pavlodar region |
43 680 |
608 |
29 429 |
43 677 |
|
North Kazakhstan reg. |
22 043 |
361 |
15 976 |
23 253 |
|
Turkestan reg. |
44 309 |
446 |
40 729 |
48 358 |
|
Almaty city |
283 566 |
2 268 |
153 244 |
198 304 |
|
Shimkent city |
83 532 |
761 |
48 758 |
61 156 |
|
Astana city |
132 706 |
1 447 |
98 239 |
129 084 |
|
Jetysu reg. |
18 364 |
305 |
17 171 |
20 457 |
|
Abay reg. |
22 117 |
366 |
19 288 |
24 344 |
|
Ulytau reg. |
9 359 |
190 |
7 560 |
10 087 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
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|
Number of transactions (thousand) of which; |
3 295 739,62 |
76 210,76 |
|
local systems |
2 790 321,55 |
16 331,29 |
|
international systems, of which: |
505 418,07 |
59 879,40 |
|
Visa International |
402 172,58 |
49 754,18 |
|
MasterCard Worldwide |
49 787,68 |
7 815,85 |
|
Volume (mln.tenge), of which; |
39 533 039,90 |
6 759 787,80 |
|
local systems |
30 153 770,36 |
1 196 761,99 |
|
international systems, of which: |
9 379 269,54 |
5 563 025,82 |
|
Visa International |
5 843 696,15 |
4 463 005,21 |
|
MasterCard Worldwide |
1 452 288,13 |
936 127,66 |
|
2024 |
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|
Number of transactions (thousand) of which; |
3 730 718,40 |
80 062,23 |
|
local systems |
3 106 919,75 |
23 995,18 |
|
international systems, of which: |
623 798,65 |
56 067,05 |
|
Visa International |
545 594,67 |
47 268,13 |
|
MasterCard Worldwide |
73 634,94 |
6 881,99 |
|
Volume (mln.tenge), of which; |
45 299 739,69 |
7 708 200,34 |
|
local systems |
34 736 193,92 |
1 800 834,49 |
|
international systems, of which: |
10 563 545,77 |
5 907 365,85 |
|
Visa International |
8 346 363,11 |
4 832 380,02 |
|
MasterCard Worldwide |
2 110 677,61 |
917 466,78 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-April 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 689 207,8 |
45 246 466,6 |
78 990,9 |
7 602 845,9 |
|
Akmola region |
63 544,81 |
491 739,24 |
2 438,44 |
175 847,36 |
|
Aktobe region |
130 722,08 |
1 196 524,64 |
3 781,94 |
287 057,61 |
|
Almaty region |
119 817,97 |
1 190 167,78 |
1 586,73 |
158 633,68 |
|
Atyrau region |
115 237,02 |
1 172 551,36 |
2 639,13 |
246 688,49 |
|
East Kazakhstan reg. |
76 433,00 |
705 920,34 |
3 180,55 |
252 604,12 |
|
Jambul region |
119 499,58 |
1 110 703,93 |
4 184,28 |
320 784,35 |
|
West Kazakhstan reg. |
87 653,10 |
806 301,69 |
2 535,80 |
190 182,27 |
|
Karaganda region |
137 615,13 |
1 453 005,09 |
5 600,09 |
436 756,23 |
|
Kostanai region |
81 168,50 |
756 052,49 |
3 155,26 |
249 470,92 |
|
Kyzylorda region |
93 324,26 |
837 575,02 |
2 865,15 |
221 244,23 |
|
Mangistau region |
119 840,44 |
1 223 771,49 |
2 844,87 |
292 604,06 |
|
Pavlodar region |
87 327,20 |
778 458,18 |
3 707,58 |
270 843,68 |
|
North Kazakhstan reg. |
36 695,03 |
310 524,13 |
1 976,29 |
138 802,32 |
|
Turkestan reg. |
129 869,87 |
1 179 267,76 |
2 309,09 |
206 336,59 |
|
Almaty city |
1 531 850,38 |
23 418 746,77 |
16 621,36 |
2 309 001,53 |
|
Astana city |
369 680,70 |
4 474 718,34 |
6 929,64 |
788 306,30 |
|
Shimkent city |
228 692,61 |
2 745 772,51 |
6 391,32 |
624 291,06 |
|
Jetysu reg. |
75 585,29 |
642 001,24 |
2 636,82 |
174 417,29 |
|
Abay reg. |
59 510,97 |
503 455,29 |
2 603,92 |
172 063,94 |
|
Ulytau reg. |
25 139,91 |
249 209,32 |
1 002,71 |
86 909,81 |
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-April 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 689 203,7 |
45 246 435,0 |
78 990,9 |
7 602 845,9 |
|
POS - terminal |
770 052,5 |
4 708 125,9 |
1 127,8 |
927 778,7 |
|
ATM |
138,1 |
19 160,0 |
77 705,9 |
6 625 205,3 |
|
Internet and mobile phone |
2 004 948,0 |
36 010 242,2 |
- |
- |
|
Payment terminals |
211,8 |
12 231,7 |
157,2 |
49 862,0 |
|
QR-code |
913 853,3 |
4 496 675,2 |
- |
- |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
44 759,4 |
778 265,6 |
1 420,8 |
126 003,6 |
|
POS - terminal |
17 694,1 |
400 291,3 |
13,8 |
5 032,0 |
|
ATM |
35,1 |
4 247,7 |
1 407,0 |
120 971,7 |
|
Internet and mobile phone |
26 716,0 |
364 908,2 |
- |
- |
|
others |
314,1 |
8 818,4 |
- |
- |
|
2024 |
||||
|
Total, incl. |
63 689,8 |
997 452,6 |
1 785,2 |
138 758,6 |
|
POS - terminal |
20 067,8 |
434 442,9 |
11,1 |
4 417,4 |
|
ATM |
29,7 |
1 643,5 |
1 772,2 |
133 176,2 |
|
Internet and mobile phone |
42 778,7 |
524 307,4 |
- |
- |
|
others |
813,6 |
37 058,9 |
1,8 |
1 165,0 |
[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.
