Version ¹253 от 29/10/2024
As of October 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 October 01, 2024, 79.9 million payment cards are in circulation. The most common are debit cards, their share is 80.1%, the share of credit cards is 15.7%. Debit cards with a credit limit and prepaid cards account for 4.2%.
In September 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 16.8 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 14.1% and reached up to 1.14 bln transactions and by 18.0%, reaching 14.7 trillion tenge. The holders of payment cards carried out 19.3 million cash withdrawal operations in the amount of 2.1 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to September 2023 by 3.0%. At the same time, the volume of cash withdrawal operations increased by 10.2%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.0% of the total number of transactions and 90.6% of the total volume of non-cash payments and money transfers) and POS terminals (19.9% and 9.1% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.1% and 84.9% 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 |
01.10.2023 |
01.10.2024 |
|
Total number of cards in circulation (thousand), of which: |
72 679,7 |
79 851,1 |
|
local systems |
24 233,7 |
26 291,8 |
|
international systems, of which: |
48 446,0 |
53 559,3 |
|
Visa International, of which: |
37 248,9 |
39 728,8 |
|
debit |
34 458,8 |
35 883,8 |
|
credit |
989,1 |
655,8 |
|
Debit cards with credit limit and prepaid |
1 800,9 |
3 189,1 |
|
MasterCard Worldwide, of which: |
9 690,2 |
12 487,2 |
|
debit |
9 361,5 |
12 192,4 |
|
credit |
152,8 |
139,1 |
|
Debit cards with credit limit and prepaid |
175,9 |
155,7 |
|
Number of used cards (thousand), of which: |
37 507,5 |
39 833,8 |
|
local systems |
15 290,5 |
16 555,7 |
|
international systems, of which: |
22 217,0 |
23 278,0 |
|
Visa International, of which: |
18 988,9 |
19 530,3 |
|
debit |
18 418,0 |
18 856,5 |
|
credit |
347,9 |
227,8 |
|
ADebit cards with credit limit and prepaid |
223,0 |
446,0 |
|
MasterCard Worldwide, of which: |
2 726,0 |
3 276,5 |
|
debit |
2 649,9 |
3 211,4 |
|
credit |
41,6 |
40,0 |
|
Debit cards with credit limit and prepaid |
34,5 |
25,1 |
|
Quarterly specifications |
01.10.2023 |
01.10.2024 |
|
Number of POS - terminals (units), of which: |
983 419 |
1 297 601 |
|
commercial enterprises |
975 265 |
1 290 481 |
|
banks |
8 154 |
7 120 |
|
Number of ATM (units) , of which: |
12 625 |
12 703 |
|
with cash distribution function |
4 922 |
4 303 |
|
with cash reception and distribution functions |
7 703 |
8 400 |
|
Number of commercial enterprises (units) |
909 604 |
1 116 343 |
|
Number of users of online bank service(thousand units)[1] |
22 019,8 |
24 750,0 |
|
Table 2 |
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|
Specifications |
As of 01.10.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
63 992,5 |
12 513,7 |
3 344,9 |
34 932,1 |
4 430,5 |
471,1 |
|
Akmola region |
1 879,8 |
426,0 |
108,6 |
1 090,8 |
147,4 |
16,0 |
|
Aktobe region |
2 720,4 |
644,0 |
134,0 |
1 506,4 |
232,5 |
17,6 |
|
Almaty region |
2 988,6 |
1 079,8 |
225,7 |
2 089,4 |
394,2 |
28,4 |
|
Atyrau region |
2 232,4 |
489,0 |
112,1 |
1 233,9 |
181,2 |
11,5 |
|
East Kazakhstan reg. |
2 132,1 |
464,5 |
174,8 |
1 145,0 |
156,4 |
22,5 |
|
Jambul region |
2 941,7 |
663,9 |
157,6 |
1 640,2 |
227,0 |
13,7 |
|
West Kazakhstan reg. |
2 006,9 |
478,3 |
96,8 |
1 116,9 |
165,0 |
12,3 |
|
Karaganda region |
3 575,8 |
748,6 |
164,5 |
1 957,0 |
263,8 |
22,9 |
|
Kostanai region |
2 350,1 |
479,4 |
107,2 |
1 281,7 |
160,4 |
18,3 |
|
Kyzylorda region |
2 251,7 |
542,1 |
134,2 |
1 218,2 |
192,0 |
11,6 |
|
Mangistau region |
2 327,0 |
527,9 |
86,9 |
1 299,9 |
203,9 |
10,2 |
|
Pavlodar region |
2 260,7 |
477,8 |
109,9 |
1 252,5 |
166,6 |
18,0 |
|
North Kazakhstan reg. |
1 430,6 |
269,1 |
62,5 |
783,6 |
82,2 |
9,9 |
|
Turkestan reg. |
3 872,4 |
1 173,8 |
206,6 |
2 457,9 |
369,2 |
19,3 |
|
Almaty city |
15 208,6 |
1 403,4 |
1 167,3 |
7 936,2 |
500,5 |
186,7 |
|
Shymkent city |
4 038,9 |
730,9 |
70,1 |
1 828,2 |
260,9 |
7,6 |
|
Astana city |
5 242,9 |
1 023,7 |
189,8 |
2 703,2 |
420,5 |
39,9 |
|
Jetysu reg. |
2 125,3 |
377,6 |
16,1 |
1 094,4 |
126,2 |
1,9 |
|
Abay reg. |
1 793,7 |
366,0 |
14,4 |
939,1 |
126,6 |
2,0 |
|
Ulytau reg. |
613,0 |
147,9 |
5,8 |
357,5 |
54,0 |
0,8 |
|
Table 3 |
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|
Specifications |
As of 01.10.2024 |
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|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 297 601 |
12 703 |
967 590 |
1 116 343 |
|
Akmola region |
47 847 |
413 |
36 239 |
44 200 |
|
Aktobe region |
55 796 |
633 |
46 062 |
53 651 |
|
Almaty region |
60 294 |
287 |
55 825 |
60 300 |
|
Atyrau region |
46 750 |
593 |
35 513 |
42 486 |
|
East Kazakhstan reg. |
43 857 |
575 |
33 460 |
39 861 |
|
Jambul region |
51 943 |
557 |
43 437 |
49 584 |
|
West Kazakhstan reg. |
47 015 |
451 |
31 261 |
36 435 |
|
Karaganda region |
69 756 |
920 |
56 441 |
67 577 |
|
Kostanai region |
51 201 |
518 |
39 274 |
51 255 |
|
Kyzylorda region |
35 355 |
404 |
31 178 |
33 499 |
|
Mangistau region |
48 099 |
606 |
38 726 |
45 106 |
|
Pavlodar region |
47 402 |
601 |
35 319 |
45 944 |
|
North Kazakhstan reg. |
27 511 |
352 |
20 018 |
24 544 |
|
Turkestan reg. |
48 574 |
422 |
44 053 |
51 019 |
|
Almaty city |
307 387 |
2 276 |
181 292 |
211 189 |
|
Shimkent city |
89 636 |
786 |
64 349 |
64 994 |
|
Astana city |
156 433 |
1 429 |
123 454 |
135 744 |
|
Jetysu reg. |
24 392 |
317 |
19 934 |
22 079 |
|
Abay reg. |
27 816 |
364 |
23 758 |
26 189 |
|
Ulytau reg. |
10 537 |
199 |
7 997 |
10 687 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-September |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
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|
Number of transactions (thousand) of which; |
8 249 421,18 |
179 276,54 |
|
local systems |
7 047 113,21 |
41 921,18 |
|
international systems, of which: |
1 202 307,97 |
137 355,36 |
|
Visa International |
1 019 097,53 |
114 786,47 |
|
MasterCard Worldwide |
124 470,93 |
17 436,35 |
|
Volume (mln.tenge), of which; |
101 008 489,94 |
16 677 603,92 |
|
local systems |
79 271 056,24 |
3 221 486,96 |
|
international systems, of which: |
21 737 433,70 |
13 456 116,96 |
|
Visa International |
15 855 684,49 |
10 896 258,43 |
|
MasterCard Worldwide |
3 669 891,01 |
2 185 693,34 |
|
2024 |
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|
Number of transactions (thousand) of which; |
9 392 572,87 |
182 437,97 |
|
local systems |
7 870 071,35 |
56 022,95 |
|
international systems, of which: |
1 522 501,51 |
126 415,02 |
|
Visa International |
1 326 160,93 |
105 589,66 |
|
MasterCard Worldwide |
185 210,82 |
16 492,80 |
|
Volume (mln.tenge), of which; |
117 646 215,35 |
18 700 081,85 |
|
local systems |
91 425 626,95 |
4 489 952,22 |
|
international systems, of which: |
26 220 588,41 |
14 210 129,63 |
|
Visa International |
20 575 468,26 |
11 602 850,22 |
|
MasterCard Worldwide |
5 387 856,89 |
2 242 094,93 |
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-September 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 214 831,35 |
117 066 615,92 |
179 539,27 |
18 450 085,94 |
|
Akmola region |
166 128,39 |
1 465 697,23 |
5 624,86 |
426 250,98 |
|
Aktobe region |
333 226,83 |
3 160 217,01 |
8 603,19 |
704 548,30 |
|
Almaty region |
312 974,08 |
3 374 048,85 |
3 551,85 |
374 343,87 |
|
Atyrau region |
289 371,13 |
3 021 412,74 |
5 872,16 |
591 757,97 |
|
East Kazakhstan reg. |
190 903,36 |
1 794 285,04 |
7 190,15 |
594 992,71 |
|
Jambul region |
311 425,40 |
2 996 696,32 |
9 494,29 |
765 082,52 |
|
West Kazakhstan reg. |
222 805,30 |
2 118 773,95 |
5 830,36 |
466 855,80 |
|
Karaganda region |
347 765,22 |
3 730 821,55 |
12 837,92 |
1 046 426,01 |
|
Kostanai region |
203 180,09 |
1 963 648,33 |
7 292,59 |
608 920,15 |
|
Kyzylorda region |
237 326,31 |
2 228 979,01 |
6 304,41 |
519 361,88 |
|
Mangistau region |
298 449,59 |
3 100 984,04 |
6 308,41 |
674 589,05 |
|
Pavlodar region |
221 025,69 |
1 997 115,12 |
8 416,40 |
638 957,02 |
|
North Kazakhstan reg. |
93 616,79 |
822 986,86 |
4 610,82 |
348 036,72 |
|
Turkestan reg. |
345 295,27 |
3 354 676,40 |
5 114,81 |
470 369,59 |
|
Almaty city |
3 720 444,74 |
59 702 994,39 |
37 769,06 |
5 758 736,46 |
|
Astana city |
923 265,86 |
11 145 702,12 |
16 053,54 |
1 890 505,95 |
|
Shimkent city |
579 813,11 |
7 310 382,73 |
14 535,93 |
1 525 697,18 |
|
Jetysu reg. |
200 422,95 |
1 802 853,46 |
5 964,12 |
425 148,79 |
|
Abay reg. |
153 515,99 |
1 343 587,13 |
5 895,64 |
414 112,08 |
|
Ulytau reg. |
63 875,25 |
630 753,66 |
2 268,78 |
205 392,93 |
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-September 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
9 214 827,2 |
117 066 584,5 |
179 539,3 |
18 450 085,8 |
|
POS - terminal |
1 866 775,6 |
11 262 103,2 |
2 582,8 |
2 440 947,4 |
|
ATM |
312,6 |
45 134,7 |
176 560,4 |
15 877 441,6 |
|
Internet and mobile phone |
4 992 668,8 |
94 183 658,4 |
- |
- |
|
Payment terminals |
452,0 |
27 222,2 |
396,0 |
131 696,8 |
|
QR-code |
2 354 618,2 |
11 548 466,0 |
- |
- |
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-September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
116 881,4 |
1 893 556,3 |
3 551,6 |
303 016,8 |
|
POS - terminal |
41 790,2 |
935 978,7 |
30,3 |
11 696,4 |
|
ATM |
62,6 |
5 381,8 |
3 521,3 |
291 320,3 |
|
Internet and mobile phone |
74 648,4 |
939 392,3 |
- |
- |
|
others |
380,2 |
12 803,4 |
- |
- |
|
2024 |
||||
|
Total, incl. |
162 293,5 |
2 522 597,6 |
4 209,5 |
318 012,3 |
|
POS - terminal |
49 562,0 |
1 067 372,3 |
27,2 |
10 206,6 |
|
ATM |
83,3 |
3 971,5 |
4 178,5 |
305 109,0 |
|
Internet and mobile phone |
110 440,3 |
1 357 350,7 |
- |
- |
|
others |
2 207,9 |
93 903,05 |
3,8 |
2 696,7 |
[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.
