Version ¹254 от 29/11/2024
As of November 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, MasterCard Worldwide, UnionPay International, American Express International, and payment cards of the local system Kaspi.kz.
As of November 01, 2024, 80.6 million payment cards are in circulation. The most common are debit cards, their share is 80.2%, the share of credit cards is 15.6%. Debit cards with a credit limit and prepaid cards account for 4.2%.
In October 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.9 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 14.0% and reached up to 1.17 bln transactions and by 18.9%, reaching 15.6 trillion tenge. The holders of payment cards carried out 20.3 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 October 2023 by 2.1%. At the same time, the volume of cash withdrawal operations increased by 11.3%.
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 |
01.11.2023 |
01.11.2024 |
|
Total number of cards in circulation (thousand), of which: |
73 527,8 |
80 626,7 |
|
local systems |
24 467,4 |
26 456,0 |
|
international systems, of which: |
49 060,4 |
54 170,7 |
|
Visa International, of which: |
37 392,4 |
40 032,2 |
|
debit |
34 613,5 |
36 153,1 |
|
credit |
945,6 |
654,1 |
|
Debit cards with credit limit and prepaid |
1 833,3 |
3 225,0 |
|
MasterCard Worldwide, of which: |
10 179,8 |
12 796,8 |
|
debit |
9 852,3 |
12 509,8 |
|
credit |
152,4 |
137,0 |
|
Debit cards with credit limit and prepaid |
175,2 |
150,0 |
|
Number of used cards (thousand), of which: |
37 837,0 |
40 545,3 |
|
local systems |
15 552,1 |
16 773,4 |
|
international systems, of which: |
22 284,9 |
23 771,9 |
|
Visa International, of which: |
18 978,9 |
19 879,3 |
|
debit |
18 394,0 |
19 206,9 |
|
credit |
344,9 |
223,9 |
|
ADebit cards with credit limit and prepaid |
240,0 |
448,5 |
|
MasterCard Worldwide, of which: |
2 810,6 |
3 413,5 |
|
debit |
2 738,7 |
3 351,3 |
|
credit |
41,9 |
40,3 |
|
Debit cards with credit limit and prepaid |
30,0 |
21,9 |
|
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) |
762 715 |
967 590 |
|
Number of users of online bank service(thousand units) |
22 019,8 |
24 750,0 |
|
Table 2 |
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|
Specifications |
As of 01.11.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
64 674,1 |
12 570,3 |
3 382,3 |
35 532,7 |
4 538,2 |
474,4 |
|
Akmola region |
1 888,7 |
428,4 |
109,6 |
1 108,0 |
152,6 |
16,4 |
|
Aktobe region |
2 735,9 |
646,3 |
134,6 |
1 527,0 |
240,2 |
18,2 |
|
Almaty region |
3 007,2 |
1 085,0 |
228,3 |
2 100,4 |
403,6 |
29,4 |
|
Atyrau region |
2 245,1 |
491,0 |
112,2 |
1 253,9 |
186,3 |
11,5 |
|
East Kazakhstan reg. |
2 140,2 |
466,7 |
175,7 |
1 154,4 |
159,3 |
23,1 |
|
Jambul region |
2 958,0 |
666,6 |
159,7 |
1 663,8 |
232,1 |
13,9 |
|
West Kazakhstan reg. |
2 017,7 |
480,4 |
98,0 |
1 129,9 |
170,5 |
12,7 |
|
Karaganda region |
3 596,1 |
751,9 |
164,7 |
1 982,7 |
270,0 |
23,1 |
|
Kostanai region |
2 364,2 |
482,0 |
108,1 |
1 302,1 |
165,3 |
18,3 |
|
Kyzylorda region |
2 269,7 |
544,1 |
135,1 |
1 237,4 |
195,8 |
11,8 |
|
Mangistau region |
2 345,4 |
530,4 |
87,9 |
1 315,7 |
210,0 |
10,5 |
|
Pavlodar region |
2 273,7 |
479,9 |
110,3 |
1 272,6 |
171,2 |
18,2 |
|
North Kazakhstan reg. |
1 438,7 |
271,0 |
62,7 |
795,5 |
85,9 |
10,1 |
|
Turkestan reg. |
3 887,5 |
1 178,8 |
207,7 |
2 495,3 |
381,5 |
19,1 |
|
Almaty city |
15 560,2 |
1 409,4 |
1 184,1 |
8 152,6 |
507,6 |
184,1 |
|
Shymkent city |
4 080,5 |
734,3 |
71,9 |
1 857,3 |
267,3 |
7,8 |
|
Astana city |
5 294,0 |
1 028,4 |
193,6 |
2 748,6 |
426,5 |
41,0 |
|
Jetysu reg. |
2 137,8 |
379,5 |
16,4 |
1 112,9 |
128,8 |
2,1 |
|
Abay reg. |
1 817,2 |
367,5 |
15,4 |
962,4 |
128,6 |
2,2 |
|
Ulytau reg. |
616,2 |
148,7 |
6,2 |
360,4 |
55,0 |
0,9 |
|
Table 3 |
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|
Specifications |
As of 01.10.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
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-October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
9 279 987,64 |
200 012,69 |
|
local systems |
7 927 161,70 |
47 580,79 |
|
international systems, of which: |
1 352 825,94 |
152 431,90 |
|
Visa International |
1 152 027,83 |
127 472,12 |
|
MasterCard Worldwide |
140 965,42 |
19 303,11 |
|
Volume (mln.tenge), of which; |
114 121 736,15 |
18 718 290,86 |
|
local systems |
89 745 112,89 |
3 685 830,05 |
|
international systems, of which: |
24 376 623,26 |
15 032 460,81 |
|
Visa International |
17 987 623,35 |
12 186 961,16 |
|
MasterCard Worldwide |
4 151 156,80 |
2 431 318,92 |
|
2024 |
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|
Number of transactions (thousand) of which; |
10 567 250,03 |
202 743,57 |
|
local systems |
8 858 978,30 |
62 624,64 |
|
international systems, of which: |
1 708 271,73 |
140 118,93 |
|
Visa International |
1 486 097,59 |
116 982,35 |
|
MasterCard Worldwide |
209 591,41 |
18 321,24 |
|
Volume (mln.tenge), of which; |
133 237 114,60 |
20 970 992,49 |
|
local systems |
103 691 306,26 |
5 066 347,34 |
|
international systems, of which: |
29 545 808,34 |
15 904 645,15 |
|
Visa International |
23 154 713,71 |
13 001 987,51 |
|
MasterCard Worldwide |
6 102 374,29 |
2 496 332,56 |
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-October 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 358 186,12 |
132 482 301,31 |
199 313,84 |
20 678 940,49 |
|
Akmola region |
187 335,74 |
1 683 164,73 |
6 234,52 |
476 698,97 |
|
Aktobe region |
374 699,99 |
3 579 169,73 |
9 530,66 |
785 997,43 |
|
Almaty region |
352 110,73 |
3 849 750,02 |
3 922,90 |
415 872,72 |
|
Atyrau region |
325 686,82 |
3 418 018,76 |
6 523,42 |
658 345,47 |
|
East Kazakhstan reg. |
215 093,66 |
2 031 552,56 |
7 965,41 |
663 218,09 |
|
Jambul region |
351 878,13 |
3 412 226,77 |
10 555,76 |
854 375,70 |
|
West Kazakhstan reg. |
250 637,37 |
2 400 195,23 |
6 465,29 |
522 301,19 |
|
Karaganda region |
390 561,70 |
4 216 584,91 |
14 246,74 |
1 169 143,54 |
|
Kostanai region |
228 441,93 |
2 227 397,26 |
8 103,61 |
682 559,59 |
|
Kyzylorda region |
267 610,30 |
2 530 672,88 |
6 991,38 |
577 734,83 |
|
Mangistau region |
335 155,29 |
3 494 179,37 |
6 990,60 |
750 212,91 |
|
Pavlodar region |
248 617,55 |
2 265 662,90 |
9 329,52 |
712 825,04 |
|
North Kazakhstan reg. |
105 418,49 |
933 718,17 |
5 115,89 |
389 582,77 |
|
Turkestan reg. |
391 042,43 |
3 827 594,76 |
5 643,14 |
519 366,44 |
|
Almaty city |
4 171 336,18 |
67 429 379,87 |
41 963,45 |
6 499 368,98 |
|
Astana city |
1 037 215,43 |
12 580 572,67 |
17 889,57 |
2 119 481,17 |
|
Shimkent city |
652 024,48 |
8 303 075,78 |
16 182,94 |
1 714 557,85 |
|
Jetysu reg. |
228 046,72 |
2 061 591,22 |
6 613,84 |
476 735,19 |
|
Abay reg. |
173 607,48 |
1 527 867,46 |
6 533,42 |
462 782,53 |
|
Ulytau reg. |
71 665,70 |
709 926,26 |
2 511,78 |
227 780,08 |
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-October 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 358 182,0 |
132 482 270,0 |
199 313,8 |
20 678 940,2 |
|
POS - terminal |
2 099 130,8 |
12 649 130,8 |
2 890,9 |
2 761 997,8 |
|
ATM |
346,9 |
50 104,1 |
195 975,1 |
17 766 513,9 |
|
Internet and mobile phone |
5 615 041,8 |
106 742 145,5 |
- |
- |
|
Payment terminals |
498,4 |
30 214,1 |
447,8 |
150 428,6 |
|
QR-code |
2 643 164,0 |
13 010 675,5 |
- |
- |
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-October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
133 180,5 |
2 146 467,9 |
4 025,0 |
341 397,1 |
|
POS - terminal |
46 982,4 |
1 047 406,3 |
33,0 |
12 673,0 |
|
ATM |
69,9 |
5 630,8 |
3 992,0 |
328 724,1 |
|
Internet and mobile phone |
85 572,0 |
1 072 715,1 |
- |
- |
|
others |
556,3 |
20 715,8 |
0,3 |
296,9 |
|
2024 |
||||
|
Total, incl. |
184 205,1 |
2 881 393,5 |
4 731,8 |
358 930,7 |
|
POS - terminal |
56 138,6 |
1 211 764,0 |
30,4 |
11 395,3 |
|
ATM |
95,4 |
4 412,3 |
4 697,1 |
344 455,7 |
|
Internet and mobile phone |
125 387,7 |
1 556 889,4 |
- |
- |
|
others |
2 583,5 |
108 327,8 |
4,3 |
3 079,7 |
1Debit cards with credit limits and prepaid payment cards.
[2] Entrepreneurs who have concluded an agreement with an acquirer for servicing payment card holders.
