Version ¹252 от 27/09/2024
As of September 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 September 01, 2024, 79.0 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 August 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.7 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 14.8% and reached up to 1.15 bln transactions and by 19.7%, reaching 15.4 trillion tenge. The holders of payment cards carried out 20.7 million cash withdrawal operations in the amount of 2.3 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to August 2023 by 1.9%. At the same time, the volume of cash withdrawal operations increased by 10.6%.
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 90.3% of the total volume of non-cash payments and money transfers) and POS terminals (19.6% and 9.4% 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 85.2% 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 |
01.09.2023 |
01.09.2024 |
|
Total number of cards in circulation (thousand), of which: |
71 411,9 |
79 037,8 |
|
local systems |
23 986,5 |
26 103,6 |
|
international systems, of which: |
47 425,4 |
52 934,2 |
|
Visa International, of which: |
36 586,0 |
39 336,8 |
|
debit |
33 803,1 |
35 519,8 |
|
credit |
1 013,5 |
655,2 |
|
Debit cards with credit limit and prepaid |
1 769,4 |
3 161,9 |
|
MasterCard Worldwide, of which: |
9 290,5 |
12 253,7 |
|
debit |
8 958,3 |
11 943,9 |
|
credit |
155,3 |
141,1 |
|
Debit cards with credit limit and prepaid |
176,9 |
168,6 |
|
Number of used cards (thousand), of which: |
36 873,5 |
39 634,3 |
|
local systems |
15 149,1 |
16 507,4 |
|
international systems, of which: |
21 724,5 |
23 126,8 |
|
Visa International, of which: |
18 535,5 |
19 407,9 |
|
debit |
17 950,4 |
18 744,4 |
|
credit |
354,7 |
235,6 |
|
ADebit cards with credit limit and prepaid |
230,4 |
427,8 |
|
MasterCard Worldwide, of which: |
2 668,1 |
3 243,2 |
|
debit |
2 565,6 |
3 176,8 |
|
credit |
41,1 |
41,1 |
|
Debit cards with credit limit and prepaid |
61,4 |
25,3 |
|
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 01.09.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
63 244,2 |
12 463,1 |
3 330,5 |
34 654,2 |
4 526,9 |
453,1 |
|
Akmola region |
1 870,9 |
424,1 |
109,7 |
1 084,6 |
152,0 |
15,5 |
|
Aktobe region |
2 698,0 |
642,1 |
132,6 |
1 505,3 |
239,9 |
16,9 |
|
Almaty region |
2 960,0 |
1 075,4 |
222,9 |
2 078,3 |
403,9 |
26,3 |
|
Atyrau region |
2 212,1 |
487,6 |
111,6 |
1 232,9 |
184,5 |
11,0 |
|
East Kazakhstan reg. |
2 112,7 |
462,5 |
179,3 |
1 143,8 |
157,3 |
21,6 |
|
Jambul region |
2 912,8 |
661,3 |
156,9 |
1 636,4 |
231,0 |
12,9 |
|
West Kazakhstan reg. |
1 994,7 |
476,7 |
96,4 |
1 115,3 |
170,4 |
11,7 |
|
Karaganda region |
3 547,4 |
746,4 |
164,4 |
1 954,3 |
269,9 |
21,8 |
|
Kostanai region |
2 335,0 |
477,1 |
108,2 |
1 281,3 |
164,8 |
17,8 |
|
Kyzylorda region |
2 231,2 |
540,8 |
133,7 |
1 217,6 |
196,9 |
10,9 |
|
Mangistau region |
2 310,1 |
526,3 |
86,3 |
1 298,7 |
207,0 |
9,5 |
|
Pavlodar region |
2 242,5 |
476,2 |
111,4 |
1 247,0 |
170,4 |
17,2 |
|
North Kazakhstan reg. |
1 428,3 |
267,9 |
62,3 |
783,9 |
85,3 |
9,6 |
|
Turkestan reg. |
4 170,5 |
1 169,7 |
205,0 |
2 484,1 |
381,3 |
18,4 |
|
Almaty city |
14 909,5 |
1 396,2 |
1 157,8 |
7 740,0 |
508,5 |
183,1 |
|
Shymkent city |
3 640,9 |
727,4 |
68,9 |
1 776,5 |
266,8 |
7,1 |
|
Astana city |
5 177,7 |
1 018,1 |
188,5 |
2 685,8 |
426,7 |
37,8 |
|
Jetysu reg. |
2 104,4 |
376,1 |
15,5 |
1 094,3 |
128,2 |
1,7 |
|
Abay reg. |
1 773,9 |
364,2 |
13,7 |
935,6 |
127,9 |
1,7 |
|
Ulytau reg. |
611,7 |
147,2 |
5,6 |
358,6 |
54,4 |
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-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
7 253 145,17 |
159 326,65 |
|
local systems |
6 191 733,15 |
36 628,41 |
|
international systems, of which: |
1 061 412,02 |
122 698,24 |
|
Visa International |
894 089,71 |
102 425,06 |
|
MasterCard Worldwide |
109 641,54 |
15 672,38 |
|
Volume (mln.tenge), of which; |
88 554 840,11 |
14 729 002,32 |
|
local systems |
69 328 731,53 |
2 805 110,88 |
|
international systems, of which: |
19 226 108,58 |
11 923 891,44 |
|
Visa International |
13 815 049,87 |
9 640 681,52 |
|
MasterCard Worldwide |
3 224 615,27 |
1 949 448,65 |
|
2024 |
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|
Number of transactions (thousand) of which; |
8 255 566,59 |
163 093,48 |
|
local systems |
6 908 777,38 |
49 757,10 |
|
international systems, of which: |
1 346 789,21 |
113 336,38 |
|
Visa International |
1 174 055,98 |
94 745,65 |
|
MasterCard Worldwide |
162 958,97 |
14 734,28 |
|
Volume (mln.tenge), of which; |
102 954 335,77 |
16 552 731,27 |
|
local systems |
79 894 526,22 |
3 946 528,93 |
|
international systems, of which: |
23 059 809,54 |
12 606 202,34 |
|
Visa International |
18 100 631,91 |
10 281 696,71 |
|
MasterCard Worldwide |
4 731 686,84 |
1 999 843,41 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-August 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 102 681,28 |
102 490 033,11 |
160 605,87 |
16 334 805,86 |
|
Akmola region |
145 619,10 |
1 261 917,78 |
5 041,97 |
379 193,65 |
|
Aktobe region |
292 347,21 |
2 760 562,42 |
7 702,04 |
625 559,84 |
|
Almaty region |
274 615,11 |
2 917 974,37 |
3 194,75 |
334 042,03 |
|
Atyrau region |
254 081,64 |
2 641 062,50 |
5 239,26 |
524 679,85 |
|
East Kazakhstan reg. |
167 385,38 |
1 567 788,42 |
6 442,35 |
529 731,75 |
|
Jambul region |
272 564,20 |
2 606 578,27 |
8 506,04 |
681 186,18 |
|
West Kazakhstan reg. |
195 400,74 |
1 846 298,96 |
5 208,36 |
412 345,14 |
|
Karaganda region |
305 998,66 |
3 267 685,26 |
11 473,67 |
929 340,49 |
|
Kostanai region |
179 131,28 |
1 718 180,87 |
6 519,66 |
539 964,91 |
|
Kyzylorda region |
207 944,80 |
1 943 402,98 |
5 658,82 |
464 703,54 |
|
Mangistau region |
262 718,40 |
2 727 566,85 |
5 651,97 |
601 263,50 |
|
Pavlodar region |
194 486,55 |
1 745 156,74 |
7 539,80 |
567 946,39 |
|
North Kazakhstan reg. |
81 989,77 |
718 940,76 |
4 127,75 |
309 530,31 |
|
Turkestan reg. |
300 589,44 |
2 914 121,58 |
4 611,73 |
423 308,06 |
|
Almaty city |
3 281 703,01 |
52 407 478,62 |
33 762,41 |
5 064 251,07 |
|
Astana city |
812 099,15 |
9 784 542,74 |
14 289,45 |
1 672 416,24 |
|
Shimkent city |
509 209,45 |
6 373 071,70 |
12 979,17 |
1 348 775,85 |
|
Jetysu reg. |
174 183,51 |
1 561 958,08 |
5 341,99 |
376 043,05 |
|
Abay reg. |
134 376,81 |
1 170 699,59 |
5 282,02 |
367 251,37 |
|
Ulytau reg. |
56 237,06 |
555 044,61 |
2 032,67 |
183 272,65 |
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 |
||||
|
Specifications |
January-August 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 102 677,1 |
102 490 001,7 |
160 605,9 |
16 334 805,7 |
|
POS - terminal |
1 640 237,8 |
9 940 928,4 |
2 292,8 |
2 137 168,5 |
|
ATM |
278,5 |
40 098,3 |
157 967,6 |
14 083 587,5 |
|
Internet and mobile phone |
4 388 945,8 |
82 289 462,0 |
- |
- |
|
Payment terminals |
403,1 |
24 095,3 |
345,5 |
114 049,7 |
|
QR-code |
2 072 811,9 |
10 195 417,7 |
- |
- |
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-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
102 172,2 |
1 663 738,5 |
3 114,6 |
267 200,4 |
|
POS - terminal |
37 009,8 |
832 023,7 |
27,0 |
10 158,8 |
|
ATM |
56,8 |
5 089,1 |
3 087,7 |
257 041,6 |
|
Internet and mobile phone |
64 739,3 |
814 683,2 |
- |
- |
|
others |
366,4 |
11 942,5 |
- |
- |
|
2024 |
||||
|
Total, incl. |
142 003,2 |
2 198 625,2 |
3 721,1 |
279 898,4 |
|
POS - terminal |
43 756,3 |
941 239,4 |
24,3 |
8 954,0 |
|
ATM |
72,7 |
3 575,8 |
3 693,3 |
268 477,4 |
|
Internet and mobile phone |
96 276,9 |
1 171 932,6 |
- |
- |
|
others |
1 897,3 |
81 877,31 |
3,5 |
2 467,0 |
[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.
