Version ¹256 от 30/01/2025
As of January 01, 2025 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 January 01, 2025, 81.4 million payment cards are in circulation. The most common are debit cards, their share is 81.5%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 2.9%.
In December 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 19.9 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 13.1% and reached up to 1.17 bln transactions, the volume increased by 20.2%, reaching 17.4 trillion tenge. The holders of payment cards carried out 20.8 million cash withdrawal operations in the amount of 2.5 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to December 2023 by 2.6%. At the same time, the volume of cash withdrawal operations increased by 9.8%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (81.1% of the total number of transactions and 90.6% of the total volume of non-cash payments and money transfers) and POS terminals (18.8% 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 83.5% 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 |
01.01.2024 |
01.01.2025 |
|
Total number of cards in circulation (thousand), of which: |
74 544,4 |
81 370,3 |
|
local systems |
24 874,0 |
26 744,9 |
|
international systems, of which: |
49 670,5 |
54 625,5 |
|
Visa International, of which: |
37 532,9 |
39 710,8 |
|
debit |
34 847,8 |
36 859,7 |
|
credit |
778,7 |
646,9 |
|
Debit cards with credit limit and prepaid |
1 906,4 |
2 204,2 |
|
MasterCard Worldwide, of which: |
10 695,7 |
13 553,0 |
|
debit |
10 366,1 |
13 277,2 |
|
credit |
156,4 |
125,9 |
|
Debit cards with credit limit and prepaid |
173,2 |
149,9 |
|
Number of used cards (thousand), of which: |
38 685,0 |
41 183,6 |
|
local systems |
15 948,0 |
17 021,8 |
|
international systems, of which: |
22 737,0 |
24 161,8 |
|
Visa International, of which: |
19 373,3 |
20 137,2 |
|
debit |
18 808,7 |
19 613,3 |
|
credit |
309,1 |
212,3 |
|
ADebit cards with credit limit and prepaid |
255,5 |
311,6 |
|
MasterCard Worldwide, of which: |
2 885,3 |
3 520,0 |
|
debit |
2 805,7 |
3 459,9 |
|
credit |
47,4 |
38,1 |
|
Debit cards with credit limit and prepaid |
32,2 |
22,0 |
|
Quarterly specifications |
01.01.2024 |
01.01.2025 |
|
Number of POS - terminals (units), of which: |
1 041 884 |
1 362 630 |
|
commercial enterprises |
1 033 770 |
1 355 347 |
|
banks |
8 114 |
7 283 |
|
Number of ATM (units) , of which: |
12 649 |
12 569 |
|
with cash distribution function |
4 982 |
3 604 |
|
with cash reception and distribution functions |
7 667 |
8 965 |
|
Number of commercial enterprises (units) |
793 065 |
886 630 |
|
Number of users of online bank service(thousand units) |
22 976,3 |
25 912,5 |
|
Table 2 |
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|
Specifications |
As of 01.01.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
66 334,3 |
12 642,5 |
2 393,6 |
36 175,1 |
4 656,8 |
351,8 |
|
Akmola region |
1 925,1 |
431,3 |
106,6 |
1 131,9 |
155,8 |
16,7 |
|
Aktobe region |
2 790,5 |
647,6 |
128,9 |
1 553,1 |
243,1 |
18,3 |
|
Almaty region |
3 037,6 |
1 093,9 |
226,1 |
2 111,1 |
419,7 |
30,7 |
|
Atyrau region |
2 287,0 |
492,6 |
107,9 |
1 263,5 |
189,1 |
11,5 |
|
East Kazakhstan reg. |
2 183,0 |
468,8 |
170,4 |
1 176,4 |
164,2 |
23,4 |
|
Jambul region |
3 013,1 |
671,2 |
154,4 |
1 690,6 |
241,2 |
13,9 |
|
West Kazakhstan reg. |
2 049,4 |
482,6 |
95,4 |
1 144,5 |
175,7 |
12,8 |
|
Karaganda region |
3 678,1 |
754,8 |
159,0 |
2 034,1 |
277,7 |
24,2 |
|
Kostanai region |
2 410,7 |
485,3 |
105,3 |
1 331,2 |
172,9 |
18,9 |
|
Kyzylorda region |
2 305,7 |
545,5 |
131,9 |
1 254,3 |
198,7 |
11,4 |
|
Mangistau region |
2 391,2 |
532,9 |
85,7 |
1 340,7 |
212,1 |
10,3 |
|
Pavlodar region |
2 328,3 |
482,2 |
107,9 |
1 298,4 |
175,9 |
18,8 |
|
North Kazakhstan reg. |
1 472,0 |
273,8 |
61,7 |
817,5 |
88,8 |
10,5 |
|
Turkestan reg. |
3 938,2 |
1 186,6 |
204,8 |
2 522,9 |
388,9 |
18,9 |
|
Almaty city |
16 268,7 |
1 419,5 |
235,8 |
8 316,8 |
527,6 |
54,4 |
|
Shymkent city |
4 180,5 |
738,6 |
73,5 |
1 899,3 |
273,2 |
8,1 |
|
Astana city |
5 422,3 |
1 033,4 |
194,4 |
2 804,7 |
430,1 |
42,5 |
|
Jetysu reg. |
2 177,6 |
382,7 |
18,8 |
1 136,0 |
134,8 |
2,4 |
|
Abay reg. |
1 853,9 |
369,8 |
18,0 |
982,3 |
133,4 |
2,8 |
|
Ulytau reg. |
621,3 |
149,5 |
7,1 |
365,8 |
53,8 |
1,2 |
|
Table 3 |
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|
Specifications |
As of 01.01.2025 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 362 630 |
12 569 |
886 630 |
1 129 767 |
|
Akmola region |
54 816 |
404 |
32 483 |
44 791 |
|
Aktobe region |
63 219 |
627 |
42 291 |
54 291 |
|
Almaty region |
65 645 |
291 |
52 737 |
59 462 |
|
Atyrau region |
50 820 |
586 |
32 918 |
43 694 |
|
East Kazakhstan reg. |
50 816 |
562 |
31 379 |
41 255 |
|
Jambul region |
60 541 |
552 |
40 176 |
50 889 |
|
West Kazakhstan reg. |
43 002 |
444 |
28 568 |
36 654 |
|
Karaganda region |
84 745 |
898 |
53 091 |
68 317 |
|
Kostanai region |
60 086 |
499 |
37 110 |
51 681 |
|
Kyzylorda region |
40 826 |
393 |
27 501 |
33 422 |
|
Mangistau region |
53 164 |
592 |
35 253 |
45 640 |
|
Pavlodar region |
57 163 |
598 |
32 166 |
46 484 |
|
North Kazakhstan reg. |
30 630 |
341 |
17 575 |
24 989 |
|
Turkestan reg. |
53 387 |
378 |
43 745 |
50 893 |
|
Almaty city |
264 148 |
2 288 |
169 452 |
213 711 |
|
Shimkent city |
84 677 |
798 |
53 577 |
66 087 |
|
Astana city |
176 511 |
1 431 |
107 898 |
138 236 |
|
Jetysu reg. |
24 826 |
320 |
18 874 |
21 908 |
|
Abay reg. |
32 295 |
369 |
21 664 |
26 596 |
|
Ulytau reg. |
11 313 |
198 |
8 172 |
10 767 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
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|
Number of transactions (thousand) of which; |
11 317 331,36 |
241 096,52 |
|
local systems |
9 654 560,12 |
58 833,70 |
|
international systems, of which: |
1 662 771,25 |
182 262,82 |
|
Visa International |
1 424 790,70 |
152 574,79 |
|
MasterCard Worldwide |
175 935,51 |
23 060,75 |
|
Volume (mln.tenge), of which; |
141 924 896,00 |
23 051 912,87 |
|
local systems |
111 850 989,33 |
4 663 678,28 |
|
international systems, of which: |
30 073 906,67 |
18 388 234,59 |
|
Visa International |
22 567 902,79 |
14 944 428,23 |
|
MasterCard Worldwide |
5 214 523,76 |
2 953 291,62 |
|
2024 |
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|
Number of transactions (thousand) of which; |
12 860 438,63 |
242 884,23 |
|
local systems |
10 777 523,22 |
75 429,55 |
|
international systems, of which: |
2 082 915,40 |
167 454,68 |
|
Visa International |
1 805 906,53 |
139 675,01 |
|
MasterCard Worldwide |
261 333,33 |
22 008,56 |
|
Volume (mln.tenge), of which; |
166 232 107,39 |
25 740 697,13 |
|
local systems |
129 389 318,08 |
6 238 258,40 |
|
international systems, of which: |
36 842 789,30 |
19 502 438,73 |
|
Visa International |
28 815 484,70 |
15 988 143,10 |
|
MasterCard Worldwide |
7 668 888,01 |
3 025 847,89 |
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-December 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
12 596 612,53 |
165 166 714,37 |
238 431,79 |
25 368 674,19 |
|
Akmola region |
228 700,45 |
2 148 948,63 |
7 456,13 |
581 107,30 |
|
Aktobe region |
455 758,03 |
4 467 446,32 |
11 366,39 |
956 485,22 |
|
Almaty region |
427 734,86 |
4 843 777,91 |
4 668,20 |
502 371,66 |
|
Atyrau region |
395 807,46 |
4 242 369,19 |
7 796,18 |
795 494,90 |
|
East Kazakhstan reg. |
262 469,11 |
2 537 501,74 |
9 503,35 |
804 728,61 |
|
Jambul region |
429 624,57 |
4 270 972,05 |
12 602,09 |
1 036 058,51 |
|
West Kazakhstan reg. |
304 292,37 |
2 989 468,93 |
7 709,28 |
636 292,92 |
|
Karaganda region |
474 246,07 |
5 245 810,47 |
17 053,92 |
1 425 231,34 |
|
Kostanai region |
277 937,55 |
2 780 351,35 |
9 725,51 |
834 575,30 |
|
Kyzylorda region |
326 415,29 |
3 158 659,25 |
8 333,02 |
699 360,28 |
|
Mangistau region |
406 654,01 |
4 314 461,16 |
8 351,46 |
910 638,42 |
|
Pavlodar region |
302 232,78 |
2 833 199,14 |
11 142,37 |
867 769,47 |
|
North Kazakhstan reg. |
128 551,73 |
1 165 061,64 |
6 121,19 |
472 536,27 |
|
Turkestan reg. |
479 830,09 |
4 789 407,14 |
6 703,00 |
621 797,94 |
|
Almaty city |
5 065 423,89 |
84 049 453,81 |
50 335,04 |
8 096 125,59 |
|
Astana city |
1 256 984,42 |
15 584 794,68 |
21 503,40 |
2 600 563,35 |
|
Shimkent city |
792 027,78 |
10 340 903,71 |
19 378,39 |
2 101 956,63 |
|
Jetysu reg. |
282 206,78 |
2 606 685,06 |
7 884,66 |
583 340,09 |
|
Abay reg. |
212 752,58 |
1 915 981,17 |
7 788,55 |
564 208,71 |
|
Ulytau reg. |
86 962,71 |
881 461,01 |
3 009,67 |
278 031,68 |
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-December 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
12 596 608,4 |
165 166 683,3 |
238 431,8 |
25 368 673,7 |
|
POS - terminal |
2 537 952,7 |
15 665 508,1 |
3 500,1 |
3 479 486,5 |
|
ATM |
411,4 |
60 051,2 |
234 363,8 |
21 692 158,7 |
|
Internet and mobile phone |
6 856 952,6 |
133 264 762,5 |
- |
- |
|
Payment terminals |
584,8 |
35 840,8 |
567,9 |
197 028,5 |
|
QR-code |
3 200 707,0 |
16 140 520,7 |
- |
- |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
166 503,6 |
2 661 682,2 |
4 955,3 |
428 751,6 |
|
POS - terminal |
56 620,0 |
1 263 428,0 |
38,7 |
15 114,9 |
|
ATM |
82,2 |
6 304,3 |
4 915,5 |
412 634,5 |
|
Internet and mobile phone |
108 910,6 |
1 354 644,0 |
- |
- |
|
others |
890,7 |
37 305,7 |
1,1 |
1 002,3 |
|
2024 |
||||
|
Total, incl. |
226 764,9 |
3 579 073,3 |
5 750,7 |
441 380,2 |
|
POS - terminal |
68 302,3 |
1 487 776,9 |
36,6 |
14 006,3 |
|
ATM |
115,1 |
5 274,9 |
5 708,7 |
423 338,2 |
|
Internet and mobile phone |
155 036,8 |
1 948 238,4 |
- |
- |
|
others |
3 310,7 |
137 783,3 |
5,4 |
4 035,7 |
[1] Debit cards with credit limits and prepaid payment cards.
[2] Entrepreneurs who have concluded an agreement with an acquirer for servicing payment card holders.
