Version ¹250 от 29/07/2024
As of July 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 July 01, 2024, 78.1 million payment cards are in circulation. The most common are debit cards, their share is 80.0%, the share of credit cards is 15.9%. Debit cards with a credit limit and prepaid cards account for 4.1%.
In June 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 16.5 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 15.4% and reached up to 1.1 bln transactions and by 20.1%, reaching 14.3 trillion tenge. The holders of payment cards carried out 20.9 million cash withdrawal operations in the amount of 2.2 trillion tenge. There is an increase in the number of cash withdrawal operations compared to June 2023 by 1.7%. At the same time, the volume of cash withdrawal operations increased by 12.4%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.1% of the total number of transactions and 90.9% of the total volume of non-cash payments and money transfers) and POS terminals (18.8% and 8.8% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.3% and 85.5% 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 |
01.07.2023 |
01.07.2024 |
|
Total number of cards in circulation (thousand), of which: |
70 012,9 |
78 063,0 |
|
local systems |
23 498,9 |
25 781,6 |
|
international systems, of which: |
46 514,0 |
52 281,3 |
|
Visa International, of which: |
36 139,8 |
38 856,7 |
|
debit |
33 255,3 |
35 138,1 |
|
credit |
1 171,5 |
659,5 |
|
Debit cards with credit limit and prepaid |
1 713,0 |
3 059,1 |
|
MasterCard Worldwide, of which: |
8 772,1 |
12 072,5 |
|
debit |
8 431,1 |
11 769,5 |
|
credit |
160,6 |
147,1 |
|
Debit cards with credit limit and prepaid |
180,4 |
155,8 |
|
Number of used cards (thousand), of which: |
36 424,3 |
39 261,8 |
|
local systems |
14 773,2 |
16 348,1 |
|
international systems, of which: |
21 651,1 |
22 913,7 |
|
Visa International, of which: |
18 398,9 |
19 355,1 |
|
debit |
17 811,2 |
18 686,4 |
|
credit |
372,4 |
248,6 |
|
ADebit cards with credit limit and prepaid |
215,3 |
420,0 |
|
MasterCard Worldwide, of which: |
2 721,9 |
3 093,1 |
|
debit |
2 648,1 |
3 025,7 |
|
credit |
41,2 |
41,0 |
|
Debit cards with credit limit and prepaid |
32,7 |
26,4 |
|
Quarterly specifications |
01.07.2023 |
01.07.2024 |
|
Number of POS - terminals (units), of which: |
934 056 |
1 163 372 |
|
commercial enterprises |
925 887 |
1 155 617 |
|
banks |
8 169 |
7 755 |
|
Number of ATM (units) , of which: |
12 519 |
12 674 |
|
with cash distribution function |
5 285 |
4 481 |
|
with cash reception and distribution functions |
7 234 |
8 193 |
|
Number of commercial enterprises (units) |
867 772 |
1 094 148 |
|
Number of users of online bank service(thousand units)[1] |
20 588,7 |
24 203,6 |
|
Table 2 |
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|
Specifications |
As of 01.07.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
62 472,1 |
12 375,8 |
3 215,0 |
34 292,2 |
4 523,0 |
446,5 |
|
Akmola region |
1 876,3 |
420,1 |
108,0 |
1 068,3 |
151,7 |
15,7 |
|
Aktobe region |
2 663,5 |
638,9 |
129,6 |
1 491,7 |
238,2 |
16,7 |
|
Almaty region |
2 945,7 |
1 068,0 |
214,6 |
2 047,5 |
406,5 |
25,0 |
|
Atyrau region |
2 191,6 |
485,0 |
109,9 |
1 219,7 |
156,7 |
10,7 |
|
East Kazakhstan reg. |
2 095,0 |
457,6 |
177,8 |
1 132,8 |
159,5 |
21,9 |
|
Jambul region |
2 885,5 |
657,3 |
153,7 |
1 620,8 |
233,0 |
12,6 |
|
West Kazakhstan reg. |
1 979,5 |
472,7 |
94,7 |
1 110,3 |
166,8 |
11,5 |
|
Karaganda region |
3 512,3 |
742,0 |
161,6 |
1 953,1 |
274,9 |
21,5 |
|
Kostanai region |
2 331,2 |
472,7 |
106,0 |
1 270,1 |
164,9 |
17,5 |
|
Kyzylorda region |
2 207,9 |
538,8 |
131,1 |
1 179,5 |
195,2 |
10,9 |
|
Mangistau region |
2 281,9 |
523,8 |
84,0 |
1 280,1 |
207,9 |
9,5 |
|
Pavlodar region |
2 222,6 |
472,7 |
110,9 |
1 243,1 |
173,0 |
17,3 |
|
North Kazakhstan reg. |
1 444,3 |
265,1 |
61,1 |
781,3 |
85,3 |
9,4 |
|
Turkestan reg. |
4 131,9 |
1 156,4 |
198,5 |
2 456,9 |
374,0 |
17,7 |
|
Almaty city |
14 591,0 |
1 394,5 |
1 091,9 |
7 642,3 |
520,1 |
180,4 |
|
Shymkent city |
3 591,3 |
721,7 |
67,0 |
1 761,4 |
269,7 |
7,1 |
|
Astana city |
5 094,8 |
1 008,7 |
182,1 |
2 670,5 |
432,3 |
37,1 |
|
Jetysu reg. |
2 060,5 |
373,1 |
14,6 |
1 066,4 |
128,8 |
1,6 |
|
Abay reg. |
1 757,6 |
360,8 |
12,6 |
937,5 |
129,3 |
1,6 |
|
Ulytau reg. |
607,8 |
146,0 |
5,2 |
359,0 |
55,2 |
0,7 |
|
Table 3 |
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|
Specifications |
As of 01.07.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 163 372 |
12 674 |
846 577 |
1 094 148 |
|
Akmola region |
31 368 |
440 |
28 372 |
35 855 |
|
Aktobe region |
50 897 |
631 |
40 947 |
53 164 |
|
Almaty region |
62 555 |
329 |
55 974 |
70 038 |
|
Atyrau region |
44 977 |
656 |
32 680 |
44 335 |
|
East Kazakhstan reg. |
37 600 |
584 |
29 472 |
39 217 |
|
Jambul region |
49 473 |
609 |
41 796 |
53 289 |
|
West Kazakhstan reg. |
34 221 |
443 |
28 207 |
36 489 |
|
Karaganda region |
49 698 |
831 |
45 111 |
55 600 |
|
Kostanai region |
42 662 |
545 |
34 160 |
44 654 |
|
Kyzylorda region |
26 883 |
339 |
24 700 |
29 329 |
|
Mangistau region |
40 418 |
523 |
30 826 |
41 037 |
|
Pavlodar region |
41 874 |
684 |
31 762 |
43 308 |
|
North Kazakhstan reg. |
33 253 |
371 |
21 851 |
34 298 |
|
Turkestan reg. |
41 590 |
280 |
39 929 |
45 688 |
|
Almaty city |
296 284 |
2 290 |
158 830 |
204 286 |
|
Shimkent city |
89 042 |
820 |
51 369 |
68 106 |
|
Astana city |
134 167 |
1 437 |
102 256 |
133 069 |
|
Jetysu reg. |
24 378 |
314 |
20 069 |
26 583 |
|
Abay reg. |
22 464 |
353 |
20 340 |
25 321 |
|
Ulytau reg. |
9 568 |
195 |
7 926 |
10 482 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
5 251 745,02 |
117 599,21 |
|
local systems |
4 474 786,10 |
26 059,32 |
|
international systems, of which: |
776 958,92 |
91 539,90 |
|
Visa International |
642 952,27 |
76 287,24 |
|
MasterCard Worldwide |
78 466,79 |
11 783,99 |
|
Volume (mln.tenge), of which; |
50 887 004,36 |
8 688 689,34 |
|
local systems |
48 566 755,54 |
1 957 909,74 |
|
international systems, of which: |
14 202 528,48 |
8 709 326,37 |
|
Visa International |
9 760 761,49 |
7 030 815,65 |
|
MasterCard Worldwide |
2 308 228,36 |
1 429 572,46 |
|
2024 |
||
|
Number of transactions (thousand) of which; |
5 967 481,18 |
121 875,81 |
|
local systems |
4 983 566,86 |
36 735,67 |
|
international systems, of which: |
983 914,32 |
85 140,14 |
|
Visa International |
859 629,56 |
71 398,80 |
|
MasterCard Worldwide |
117 203,40 |
10 851,42 |
|
Volume (mln.tenge), of which; |
72 827 298,78 |
12 033 661,47 |
|
local systems |
56 196 641,86 |
2 833 619,98 |
|
international systems, of which: |
16 630 656,92 |
9 200 041,49 |
|
Visa International |
13 097 465,94 |
7 497 819,39 |
|
MasterCard Worldwide |
3 367 389,89 |
1 460 481,08 |
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-June 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 868 636,80 |
72 586 797,69 |
120 085,63 |
11 872 600,65 |
|
Akmola region |
103 452,97 |
834 327,99 |
3 749,57 |
275 012,76 |
|
Aktobe region |
210 155,50 |
1 935 305,66 |
5 731,41 |
453 476,99 |
|
Almaty region |
196 120,82 |
1 993 011,44 |
2 409,26 |
246 425,23 |
|
Atyrau region |
183 233,13 |
1 862 941,47 |
3 922,42 |
383 782,94 |
|
East Kazakhstan reg. |
121 645,71 |
1 118 451,80 |
4 836,22 |
390 688,27 |
|
Jambul region |
194 927,87 |
1 815 744,11 |
6 361,24 |
499 689,31 |
|
West Kazakhstan reg. |
140 393,22 |
1 297 019,40 |
3 868,68 |
298 547,72 |
|
Karaganda region |
220 840,23 |
2 317 059,75 |
8 576,23 |
681 233,15 |
|
Kostanai region |
129 499,71 |
1 214 643,28 |
4 847,03 |
392 006,08 |
|
Kyzylorda region |
150 301,28 |
1 363 819,16 |
4 288,52 |
344 533,16 |
|
Mangistau region |
189 691,53 |
1 943 011,38 |
4 247,66 |
445 143,23 |
|
Pavlodar region |
139 901,74 |
1 237 502,40 |
5 640,19 |
417 486,37 |
|
North Kazakhstan reg. |
59 070,26 |
503 019,31 |
3 060,87 |
221 723,53 |
|
Turkestan reg. |
213 989,27 |
1 989 819,45 |
3 521,74 |
321 928,22 |
|
Almaty city |
2 400 271,22 |
37 391 867,60 |
25 244,82 |
3 632 070,53 |
|
Astana city |
587 200,62 |
7 017 544,10 |
10 602,90 |
1 215 194,28 |
|
Shimkent city |
366 682,75 |
4 468 059,50 |
9 699,17 |
977 236,06 |
|
Jetysu reg. |
124 056,06 |
1 068 464,00 |
3 988,77 |
271 794,59 |
|
Abay reg. |
96 632,42 |
817 933,34 |
3 962,27 |
268 199,30 |
|
Ulytau reg. |
40 570,49 |
397 252,53 |
1 526,69 |
136 428,93 |
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-June 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 868 632,7 |
72 586 766,1 |
120 085,6 |
11 872 600,6 |
|
POS - terminal |
1 190 075,3 |
7 187 139,0 |
1 701,2 |
1 491 324,9 |
|
ATM |
208,0 |
29 430,3 |
118 140,0 |
10 302 061,5 |
|
Internet and mobile phone |
3 183 920,7 |
58 087 187,8 |
- |
- |
|
Payment terminals |
307,7 |
18 157,4 |
244,4 |
79 214,3 |
|
QR-code |
1 494 120,8 |
7 264 851,6 |
- |
- |
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-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
71 917,5 |
1 198 083,6 |
2 253,2 |
196 627,2 |
|
POS - terminal |
26 976,4 |
600 777,8 |
20,3 |
7 579,6 |
|
ATM |
45,0 |
4 677,2 |
2 232,9 |
189 047,6 |
|
Internet and mobile phone |
44 559,3 |
582 476,3 |
- |
- |
|
others |
336,8 |
10 152,3 |
- |
- |
|
2024 |
||||
|
Total, incl. |
101 535,9 |
1 545 562,4 |
2 764,2 |
206 599,2 |
|
POS - terminal |
31 629,4 |
662 237,6 |
17,5 |
6 555,2 |
|
ATM |
47,5 |
2 387,3 |
2 744,0 |
198 180,0 |
|
Internet and mobile phone |
68 537,5 |
823 737,5 |
- |
- |
|
others |
1 321,5 |
57 200,0 |
2,7 |
1 864,0 |
[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.
