Version ¹251 от 29/08/2024
As of August 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 August 01, 2024, 78.5 million payment cards are in circulation. The most common are debit cards, their share is 80.0%, the share of credit cards is 15.8%. Debit cards with a credit limit and prepaid cards account for 4.2%.
In July 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.0 trillion tenge, the number – 1.2 bln transactions. At the same time, compared to the same period of 2023, the number of non-cash transactions increased by 13.8% and reached up to 1.1 bln transactions and by 14.0%, reaching 14.7 trillion tenge. The holders of payment cards carried out 20.5 million cash withdrawal operations in the amount of 2.3 trillion tenge. There is an decrease in the number of cash withdrawal operations compared to July 2023 by 0.6%. At the same time, the volume of cash withdrawal operations increased by 11.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.3% of the total number of transactions and 90.8% of the total volume of non-cash payments and money transfers) and POS terminals (19.6% and 8.9% 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 84.3% 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 |
01.08.2023 |
01.08.2024 |
|
Total number of cards in circulation (thousand), of which: |
70 676,6 |
78 531,3 |
|
local systems |
23 747,2 |
25 924,7 |
|
international systems, of which: |
46 929,5 |
52 606,6 |
|
Visa International, of which: |
36 183,7 |
39 030,8 |
|
debit |
33 380,6 |
35 263,7 |
|
credit |
1 069,2 |
659,1 |
|
Debit cards with credit limit and prepaid |
1 733,8 |
3 107,9 |
|
MasterCard Worldwide, of which: |
9 166,5 |
12 226,9 |
|
debit |
8 655,5 |
11 903,8 |
|
credit |
158,3 |
143,4 |
|
Debit cards with credit limit and prepaid |
352,7 |
179,7 |
|
Number of used cards (thousand), of which: |
36 812,9 |
39 265,1 |
|
local systems |
15 315,9 |
16 277,3 |
|
international systems, of which: |
21 497,0 |
22 987,7 |
|
Visa International, of which: |
18 287,2 |
19 265,7 |
|
debit |
17 705,3 |
18 601,9 |
|
credit |
356,7 |
240,1 |
|
ADebit cards with credit limit and prepaid |
225,2 |
423,7 |
|
MasterCard Worldwide, of which: |
2 684,5 |
3 251,5 |
|
debit |
2 584,7 |
3 186,8 |
|
credit |
40,6 |
40,4 |
|
Debit cards with credit limit and prepaid |
59,3 |
24,3 |
|
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 01.08.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
62 836,7 |
12 406,9 |
3 287,6 |
34 430,6 |
4 386,4 |
448,1 |
|
Akmola region |
1 862,9 |
421,3 |
108,7 |
1 084,1 |
146,9 |
15,6 |
|
Aktobe region |
2 684,0 |
640,0 |
130,9 |
1 495,0 |
230,4 |
16,8 |
|
Almaty region |
2 947,7 |
1 070,6 |
219,3 |
2 064,1 |
393,5 |
25,6 |
|
Atyrau region |
2 196,5 |
486,1 |
110,6 |
1 220,8 |
164,0 |
10,8 |
|
East Kazakhstan reg. |
2 103,5 |
459,2 |
177,4 |
1 138,7 |
153,8 |
21,6 |
|
Jambul region |
2 904,5 |
658,8 |
154,5 |
1 624,5 |
225,6 |
12,7 |
|
West Kazakhstan reg. |
1 983,8 |
474,0 |
95,1 |
1 107,3 |
162,3 |
11,7 |
|
Karaganda region |
3 531,9 |
743,2 |
162,4 |
1 956,4 |
262,2 |
21,5 |
|
Kostanai region |
2 325,3 |
474,2 |
106,6 |
1 273,7 |
159,8 |
17,4 |
|
Kyzylorda region |
2 224,5 |
539,4 |
132,2 |
1 202,9 |
190,2 |
11,1 |
|
Mangistau region |
2 295,2 |
524,5 |
85,1 |
1 285,6 |
203,8 |
9,6 |
|
Pavlodar region |
2 229,6 |
473,8 |
110,3 |
1 243,6 |
166,8 |
16,9 |
|
North Kazakhstan reg. |
1 421,6 |
266,0 |
61,5 |
780,5 |
82,3 |
9,4 |
|
Turkestan reg. |
4 158,4 |
1 158,7 |
201,2 |
2 444,6 |
363,9 |
18,0 |
|
Almaty city |
14 738,0 |
1 398,9 |
1 146,6 |
7 697,1 |
500,4 |
180,8 |
|
Shymkent city |
3 629,3 |
723,8 |
67,9 |
1 760,6 |
260,8 |
7,1 |
|
Astana city |
5 135,0 |
1 011,8 |
184,9 |
2 678,6 |
416,2 |
37,3 |
|
Jetysu reg. |
2 089,6 |
374,0 |
13,9 |
1 083,1 |
124,5 |
1,7 |
|
Abay reg. |
1 766,0 |
362,1 |
13,1 |
932,1 |
125,5 |
1,7 |
|
Ulytau reg. |
609,5 |
146,5 |
5,4 |
357,3 |
53,3 |
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-July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
6 247 398,17 |
138 190,58 |
|
local systems |
5 329 644,88 |
31 135,81 |
|
international systems, of which: |
917 753,29 |
107 054,76 |
|
Visa International |
766 954,54 |
89 268,67 |
|
MasterCard Worldwide |
94 208,22 |
13 749,72 |
|
Volume (mln.tenge), of which; |
75 690 594,38 |
12 682 455,25 |
|
local systems |
58 991 714,36 |
2 373 541,79 |
|
international systems, of which: |
16 698 880,02 |
10 308 913,46 |
|
Visa International |
11 770 593,79 |
8 325 074,56 |
|
MasterCard Worldwide |
2 768 654,50 |
1 692 529,18 |
|
2024 |
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|
Number of transactions (thousand) of which; |
7 100 977,75 |
142 353,14 |
|
local systems |
5 933 669,22 |
43 116,34 |
|
international systems, of which: |
1 167 308,53 |
99 236,80 |
|
Visa International |
1 018 470,47 |
83 027,33 |
|
MasterCard Worldwide |
140 439,65 |
12 839,62 |
|
Volume (mln.tenge), of which; |
87 555 118,13 |
14 288 586,99 |
|
local systems |
67 715 441,96 |
3 378 884,56 |
|
international systems, of which: |
19 839 676,17 |
10 909 702,43 |
|
Visa International |
15 586 784,63 |
8 885 461,72 |
|
MasterCard Worldwide |
4 056 831,18 |
1 741 002,63 |
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-July 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 973 121,70 |
87 215 006,36 |
140 214,26 |
14 099 110,11 |
|
Akmola region |
124 762,69 |
1 045 450,63 |
4 407,70 |
327 999,88 |
|
Aktobe region |
251 028,01 |
2 336 859,22 |
6 704,03 |
539 742,27 |
|
Almaty region |
234 912,36 |
2 443 148,91 |
2 800,58 |
290 249,11 |
|
Atyrau region |
218 034,55 |
2 240 598,31 |
4 560,21 |
454 461,60 |
|
East Kazakhstan reg. |
144 301,90 |
1 339 792,60 |
5 647,16 |
460 890,81 |
|
Jambul region |
233 109,28 |
2 198 785,73 |
7 418,73 |
589 166,20 |
|
West Kazakhstan reg. |
167 577,22 |
1 564 024,19 |
4 528,89 |
355 249,04 |
|
Karaganda region |
263 271,12 |
2 783 834,29 |
10 024,86 |
805 181,71 |
|
Kostanai region |
154 225,89 |
1 462 504,10 |
5 685,09 |
466 304,90 |
|
Kyzylorda region |
178 580,11 |
1 642 291,98 |
4 956,74 |
404 030,20 |
|
Mangistau region |
225 660,47 |
2 324 523,86 |
4 933,10 |
522 189,57 |
|
Pavlodar region |
167 144,12 |
1 485 883,58 |
6 590,09 |
492 139,96 |
|
North Kazakhstan reg. |
70 549,22 |
610 826,64 |
3 599,10 |
266 907,70 |
|
Turkestan reg. |
256 574,25 |
2 440 188,05 |
4 055,09 |
372 184,47 |
|
Almaty city |
2 835 414,67 |
44 765 938,77 |
29 484,48 |
4 345 759,33 |
|
Astana city |
699 176,34 |
8 371 614,36 |
12 447,58 |
1 444 108,70 |
|
Shimkent city |
436 612,71 |
5 389 642,78 |
11 309,99 |
1 161 664,90 |
|
Jetysu reg. |
148 553,16 |
1 304 587,19 |
4 659,36 |
323 483,74 |
|
Abay reg. |
115 305,02 |
990 317,77 |
4 624,45 |
317 759,15 |
|
Ulytau reg. |
48 328,62 |
474 193,41 |
1 777,01 |
159 636,87 |
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-July 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 973 117,6 |
87 214 974,9 |
140 214,3 |
14 099 110,0 |
|
POS - terminal |
1 412 996,3 |
8 502 505,8 |
2 002,2 |
1 822 697,8 |
|
ATM |
244,2 |
34 815,0 |
137 916,5 |
12 179 418,6 |
|
Internet and mobile phone |
3 776 987,9 |
69 966 749,0 |
- |
- |
|
Payment terminals |
358,5 |
21 283,6 |
295,5 |
96 993,6 |
|
QR-code |
1 782 530,8 |
8 689 621,5 |
- |
- |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
86 955,0 |
1 429 463,9 |
2 683,4 |
230 881,9 |
|
POS - terminal |
32 140,0 |
717 082,3 |
23,5 |
8 829,6 |
|
ATM |
51,0 |
4 875,0 |
2 659,9 |
222 052,2 |
|
Internet and mobile phone |
54 414,5 |
696 393,8 |
- |
- |
|
others |
349,6 |
11 112,7 |
- |
- |
|
2024 |
||||
|
Total, incl. |
121 421,0 |
1 866 802,2 |
3 244,4 |
243 062,8 |
|
POS - terminal |
37 896,3 |
801 264,9 |
21,2 |
7 754,9 |
|
ATM |
59,9 |
3 008,9 |
3 220,2 |
233 195,7 |
|
Internet and mobile phone |
81 859,5 |
993 446,4 |
- |
- |
|
others |
1 605,2 |
69 081,95 |
3,1 |
2 112,3 |
[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.
