Version ¹255 от 27/12/2024
As of December 01, 2024 actual origination of the payment cards were realized by 17 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 payment cards of the local system Kaspi.kz.
As of December 01, 2024, 80.5 million payment cards are in circulation. The most common are debit cards, their share is 81.3%, the share of credit cards is 15.7%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In November 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.8 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 12.0% and reached up to 1.12 bln transactions, the volume increased by 17.0%, reaching 15.6 trillion tenge. The holders of payment cards carried out 19.4 million cash withdrawal operations in the amount of 2.2 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to November 2023 by 1.9%. At the same time, the volume of cash withdrawal operations increased by 10.4%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.6% of the total number of transactions and 90.2% of the total volume of non-cash payments and money transfers) and POS terminals (20.3% and 9.5% 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 84.1% 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 |
||
|
Specifications |
01.12.2023 |
01.12.2024 |
|
Total number of cards in circulation (thousand), of which: |
74 075,3 |
80 456,1 |
|
local systems |
24 707,5 |
26 623,7 |
|
international systems, of which: |
49 367,8 |
53 832,3 |
|
Visa International, of which: |
37 463,9 |
39 372,9 |
|
debit |
34 736,4 |
36 440,8 |
|
credit |
857,2 |
651,1 |
|
Debit cards with credit limit and prepaid |
1 870,3 |
2 281,0 |
|
MasterCard Worldwide, of which: |
10 444,6 |
13 127,3 |
|
debit |
10 115,4 |
12 846,5 |
|
credit |
154,9 |
131,3 |
|
Debit cards with credit limit and prepaid |
174,2 |
149,5 |
|
Number of used cards (thousand), of which: |
38 529,4 |
40 724,7 |
|
local systems |
16 033,3 |
16 993,5 |
|
international systems, of which: |
22 496,0 |
23 731,3 |
|
Visa International, of which: |
19 162,7 |
19 827,9 |
|
debit |
18 583,1 |
19 306,9 |
|
credit |
335,0 |
218,4 |
|
ADebit cards with credit limit and prepaid |
244,6 |
302,6 |
|
MasterCard Worldwide, of which: |
2 852,1 |
3 426,0 |
|
debit |
2 778,5 |
3 366,9 |
|
credit |
42,6 |
38,1 |
|
Debit cards with credit limit and prepaid |
31,1 |
21,0 |
|
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)[1] |
22 019,8 |
24 750,0 |
|
Table 2 |
||||||
|
Specifications |
As of 01.12.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
65 381,3 |
12 624,3 |
2 450,4 |
35 672,4 |
4 717,5 |
334,8 |
|
Akmola region |
1 903,9 |
430,7 |
109,3 |
1 109,9 |
157,7 |
16,1 |
|
Aktobe region |
2 751,6 |
648,2 |
134,5 |
1 533,2 |
250,9 |
17,8 |
|
Almaty region |
3 026,4 |
1 090,7 |
234,0 |
2 103,8 |
422,5 |
28,8 |
|
Atyrau region |
2 261,7 |
492,4 |
111,8 |
1 253,1 |
192,3 |
11,2 |
|
East Kazakhstan reg. |
2 154,7 |
468,7 |
174,8 |
1 157,7 |
167,1 |
22,5 |
|
Jambul region |
2 975,4 |
669,6 |
161,0 |
1 667,7 |
241,7 |
13,4 |
|
West Kazakhstan reg. |
2 040,5 |
482,1 |
99,3 |
1 130,5 |
177,4 |
12,6 |
|
Karaganda region |
3 623,6 |
754,6 |
166,7 |
1 991,0 |
282,2 |
22,9 |
|
Kostanai region |
2 382,2 |
484,4 |
108,2 |
1 306,8 |
172,5 |
18,1 |
|
Kyzylorda region |
2 283,3 |
545,6 |
135,1 |
1 237,9 |
201,3 |
11,3 |
|
Mangistau region |
2 363,8 |
532,6 |
87,9 |
1 316,6 |
214,8 |
9,6 |
|
Pavlodar region |
2 298,1 |
482,2 |
110,8 |
1 277,2 |
179,9 |
17,9 |
|
North Kazakhstan reg. |
1 448,0 |
272,9 |
63,1 |
799,9 |
89,6 |
10,1 |
|
Turkestan reg. |
3 894,2 |
1 183,6 |
209,0 |
2 492,3 |
392,4 |
18,3 |
|
Almaty city |
15 861,8 |
1 416,4 |
234,1 |
8 212,8 |
531,2 |
50,6 |
|
Shymkent city |
4 133,8 |
737,0 |
73,9 |
1 870,7 |
276,0 |
7,8 |
|
Astana city |
5 381,2 |
1 032,8 |
196,5 |
2 768,9 |
441,0 |
40,3 |
|
Jetysu reg. |
2 150,9 |
381,3 |
17,2 |
1 118,1 |
134,2 |
2,2 |
|
Abay reg. |
1 830,3 |
369,3 |
16,6 |
964,6 |
135,1 |
2,4 |
|
Ulytau reg. |
615,9 |
149,3 |
6,7 |
359,6 |
57,7 |
1,0 |
|
Table 3 |
||||
|
Specifications |
As of 01.10.2024 |
|||
|
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 |
||
|
Specifications |
January-November |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
10 279 045,64 |
219 755,54 |
|
local systems |
8 777 148,03 |
53 084,92 |
|
international systems, of which: |
1 501 897,61 |
166 670,62 |
|
Visa International |
1 283 595,63 |
139 464,37 |
|
MasterCard Worldwide |
157 412,50 |
21 064,59 |
|
Volume (mln.tenge), of which; |
127 426 968,99 |
20 754 441,82 |
|
local systems |
100 423 036,39 |
4 159 877,11 |
|
international systems, of which: |
27 003 932,60 |
16 594 564,71 |
|
Visa International |
20 097 366,34 |
13 465 447,83 |
|
MasterCard Worldwide |
4 643 313,85 |
2 677 054,36 |
|
2024 |
||
|
Number of transactions (thousand) of which; |
11 685 705,89 |
222 105,18 |
|
local systems |
9 800 191,78 |
68 978,50 |
|
international systems, of which: |
1 885 514,11 |
153 126,68 |
|
Visa International |
1 637 793,97 |
127 822,83 |
|
MasterCard Worldwide |
233 672,55 |
20 025,44 |
|
Volume (mln.tenge), of which; |
148 807 930,92 |
23 219 083,13 |
|
local systems |
115 942 298,46 |
5 640 703,03 |
|
international systems, of which: |
32 865 632,46 |
17 578 380,10 |
|
Visa International |
25 728 886,68 |
14 391 384,86 |
|
MasterCard Worldwide |
6 815 697,74 |
2 740 149,43 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-November 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
11 449 611,70 |
147 874 375,54 |
218 207,08 |
22 889 114,57 |
|
Akmola region |
207 292,41 |
1 895 527,46 |
6 810,81 |
525 072,35 |
|
Aktobe region |
414 248,95 |
3 996 589,89 |
10 413,73 |
867 238,11 |
|
Almaty region |
389 335,31 |
4 323 134,36 |
4 284,81 |
457 646,62 |
|
Atyrau region |
360 041,58 |
3 807 854,53 |
7 138,42 |
723 109,46 |
|
East Kazakhstan reg. |
237 860,71 |
2 267 201,76 |
8 700,61 |
729 894,47 |
|
Jambul region |
389 891,13 |
3 821 000,90 |
11 561,66 |
942 003,94 |
|
West Kazakhstan reg. |
276 842,88 |
2 676 108,44 |
7 065,14 |
576 030,60 |
|
Karaganda region |
430 966,84 |
4 696 899,10 |
15 576,71 |
1 288 248,68 |
|
Kostanai region |
252 265,90 |
2 485 614,21 |
8 866,61 |
753 535,31 |
|
Kyzylorda region |
296 196,28 |
2 828 559,77 |
7 640,51 |
636 347,92 |
|
Mangistau region |
370 069,82 |
3 881 137,71 |
7 638,88 |
825 049,29 |
|
Pavlodar region |
274 576,65 |
2 531 598,93 |
10 187,38 |
785 022,90 |
|
North Kazakhstan reg. |
116 639,34 |
1 041 761,57 |
5 594,58 |
428 569,15 |
|
Turkestan reg. |
434 763,98 |
4 293 559,96 |
6 159,87 |
568 618,25 |
|
Almaty city |
4 606 335,62 |
75 231 016,20 |
46 068,15 |
7 251 455,97 |
|
Astana city |
1 144 818,43 |
13 985 237,17 |
19 617,78 |
2 340 190,50 |
|
Shimkent city |
721 267,29 |
9 288 481,92 |
17 779,31 |
1 903 188,63 |
|
Jetysu reg. |
254 636,66 |
2 322 282,74 |
7 230,86 |
527 453,34 |
|
Abay reg. |
192 585,48 |
1 711 492,13 |
7 133,99 |
510 589,29 |
|
Ulytau reg. |
78 976,44 |
789 316,79 |
2 737,27 |
249 849,79 |
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-November 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
11 449 607,6 |
147 874 344,5 |
218 207,1 |
22 889 114,1 |
|
POS - terminal |
2 323 743,9 |
14 099 530,1 |
3 183,2 |
3 093 887,1 |
|
ATM |
378,2 |
54 775,7 |
214 518,7 |
19 623 291,0 |
|
Internet and mobile phone |
6 209 351,8 |
119 157 990,6 |
- |
- |
|
Payment terminals |
540,5 |
32 937,3 |
505,2 |
171 936,0 |
|
QR-code |
2 915 593,2 |
14 529 110,9 |
- |
- |
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-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
150 467,9 |
2 418 222,8 |
4 486,2 |
382 482,0 |
|
POS - terminal |
51 918,4 |
1 159 807,4 |
35,9 |
13 785,0 |
|
ATM |
76,4 |
5 979,8 |
4 450,4 |
368 094,1 |
|
Internet and mobile phone |
97 743,1 |
1 223 078,3 |
- |
- |
|
others |
730,1 |
29 357,3 |
0,7 |
602,9 |
|
2024 |
||||
|
Total, incl. |
205 911,0 |
3 233 406,3 |
5 236,7 |
399 663,4 |
|
POS - terminal |
62 294,0 |
1 349 363,5 |
33,5 |
12 579,0 |
|
ATM |
105,7 |
4 841,5 |
5 198,4 |
383 509,4 |
|
Internet and mobile phone |
140 551,1 |
1 756 028,3 |
- |
- |
|
others |
2 960,2 |
123 173,0 |
4,8 |
3 575,0 |
[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.
