Version ¹257 от 27/02/2025
As of February 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 February 01, 2025, 83.6 million payment cards are in circulation. The most common are debit cards, their share is 82.0%, the share of credit cards is 15.1%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In January 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 14.9 trillion tenge, the number – 1 012.7 mln transactions. At the same time, over the same period of 2024, the number of non-cash transactions increased by 18.1% and reached up to 995.1 mln transactions and by 28.2%, reaching 12.9 trillion tenge. The holders of payment cards carried out 17.6 million cash withdrawal operations in the amount of 1.9 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to January 2024 by 10.5%. At the same time, the volume of cash withdrawal operations increased by 5.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.8% of the total number of transactions and 89.4% of the total volume of non-cash payments and money transfers) and POS terminals (20.1% and 10.2% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.0% and 84.6% 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 |
As of 01.02.2024 |
As of 01.02.2025 |
|
Total number of cards in circulation (thousand), of which: |
75 253,5 |
83 598,0 |
|
local systems |
25 028,0 |
26 852,9 |
|
international systems, of which: |
50 225,5 |
56 745,0 |
|
Visa International, of which: |
37 735,5 |
40 804,0 |
|
debit |
35 054,9 |
37 997,6 |
|
credit |
734,9 |
646,1 |
|
Debit cards with credit limit and prepaid |
1 945,7 |
2 160,4 |
|
MasterCard Worldwide, of which: |
11 043,4 |
14 537,1 |
|
debit |
10 713,0 |
14 266,2 |
|
credit |
157,7 |
124,0 |
|
Debit cards with credit limit and prepaid |
172,7 |
146,9 |
|
Number of used cards (thousand), of which: |
37 851,1 |
41 407,6 |
|
local systems |
15 536,3 |
16 630,7 |
|
international systems, of which: |
22 314,8 |
24 776,9 |
|
Visa International, of which: |
19 055,1 |
20 727,0 |
|
debit |
18 511,7 |
20 102,5 |
|
credit |
286,5 |
319,5 |
|
ADebit cards with credit limit and prepaid |
256,8 |
304,9 |
|
MasterCard Worldwide, of which: |
2 796,5 |
3 544,3 |
|
debit |
2 722,2 |
3 491,8 |
|
credit |
44,9 |
33,7 |
|
Debit cards with credit limit and prepaid |
29,3 |
18,8 |
|
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)[1] |
22 976,26 |
25 912,5 |
|
Table 2 |
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|
Specifications |
As of 01.02.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
68 580,6 |
12 651,8 |
2 365,5 |
36 692,2 |
4 356,8 |
358,6 |
|
Akmola region |
1 963,0 |
431,7 |
105,2 |
1 121,8 |
143,9 |
16,7 |
|
Aktobe region |
2 896,6 |
647,1 |
127,3 |
1 574,1 |
226,8 |
19,1 |
|
Almaty region |
3 066,0 |
1 095,6 |
224,9 |
2 124,8 |
390,5 |
31,3 |
|
Atyrau region |
2 374,3 |
492,4 |
106,7 |
1 276,1 |
177,5 |
11,7 |
|
East Kazakhstan reg. |
2 235,3 |
468,6 |
165,3 |
1 199,3 |
151,7 |
23,2 |
|
Jambul region |
3 118,9 |
672,1 |
149,8 |
1 714,8 |
224,1 |
13,9 |
|
West Kazakhstan reg. |
2 107,0 |
483,0 |
93,2 |
1 163,7 |
164,7 |
12,7 |
|
Karaganda region |
3 784,0 |
754,6 |
156,6 |
2 040,6 |
252,9 |
25,2 |
|
Kostanai region |
2 460,9 |
485,8 |
104,1 |
1 343,2 |
157,6 |
19,0 |
|
Kyzylorda region |
2 422,0 |
545,7 |
130,2 |
1 280,2 |
185,8 |
11,3 |
|
Mangistau region |
2 482,2 |
532,7 |
84,4 |
1 348,9 |
196,0 |
10,2 |
|
Pavlodar region |
2 390,2 |
481,7 |
106,1 |
1 309,7 |
158,7 |
19,2 |
|
North Kazakhstan reg. |
1 504,3 |
274,4 |
60,3 |
818,8 |
81,6 |
10,8 |
|
Turkestan reg. |
4 015,4 |
1 188,3 |
202,0 |
2 516,1 |
365,2 |
18,6 |
|
Almaty city |
16 930,8 |
1 421,8 |
236,9 |
8 478,8 |
503,4 |
55,1 |
|
Shymkent city |
4 460,1 |
739,9 |
70,9 |
1 976,6 |
261,9 |
8,6 |
|
Astana city |
5 584,9 |
1 033,7 |
195,0 |
2 891,2 |
413,5 |
44,6 |
|
Jetysu reg. |
2 235,8 |
383,1 |
19,8 |
1 140,3 |
125,4 |
2,7 |
|
Abay reg. |
1 916,2 |
370,1 |
19,3 |
1 003,0 |
123,3 |
3,4 |
|
Ulytau reg. |
632,7 |
149,5 |
7,6 |
370,4 |
52,4 |
1,4 |
|
Table 3 |
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|
Specifications |
As of 01.01.2025 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
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 |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
842 661,83 |
19 670,71 |
|
local systems |
699 698,15 |
6 133,37 |
|
international systems, of which: |
142 963,68 |
13 537,34 |
|
Visa International |
125 173,37 |
11 456,43 |
|
MasterCard Worldwide |
16 726,84 |
1 606,71 |
|
Volume (mln.tenge), of which; |
10 082 915,29 |
1 820 251,84 |
|
local systems |
7 672 825,28 |
432 625,54 |
|
international systems, of which: |
2 410 090,02 |
1 387 626,29 |
|
Visa International |
1 901 739,04 |
1 134 759,10 |
|
MasterCard Worldwide |
483 979,23 |
214 575,82 |
|
2025 |
||
|
Number of transactions (thousand) of which; |
995 117,13 |
17 597,83 |
|
local systems |
825 641,71 |
6 040,64 |
|
international systems, of which: |
169 475,42 |
11 557,19 |
|
Visa International |
142 858,78 |
9 510,16 |
|
MasterCard Worldwide |
24 983,41 |
1 555,62 |
|
Volume (mln.tenge), of which; |
12 926 540,97 |
1 928 366,47 |
|
local systems |
9 828 905,28 |
508 566,41 |
|
international systems, of which: |
3 097 635,69 |
1 419 800,07 |
|
Visa International |
2 366 643,83 |
1 162 635,46 |
|
MasterCard Worldwide |
696 485,12 |
214 338,91 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
970 032,4 |
12 685 750,4 |
17 117,3 |
1 888 534,9 |
|
Akmola region |
17 992,2 |
182 766,1 |
484,9 |
39 294,4 |
|
Aktobe region |
35 835,9 |
345 786,1 |
846,8 |
71 625,6 |
|
Almaty region |
33 446,2 |
382 530,9 |
320,0 |
35 405,5 |
|
Atyrau region |
31 515,2 |
332 501,8 |
583,1 |
58 577,2 |
|
East Kazakhstan reg. |
20 667,0 |
196 187,8 |
643,7 |
56 306,7 |
|
Jambul region |
33 664,9 |
328 812,5 |
930,2 |
76 958,9 |
|
West Kazakhstan reg. |
23 957,4 |
232 464,4 |
558,5 |
46 738,7 |
|
Karaganda region |
36 139,3 |
399 379,0 |
1 165,8 |
100 641,3 |
|
Kostanai region |
21 831,3 |
210 710,4 |
676,2 |
59 806,6 |
|
Kyzylorda region |
25 394,1 |
239 291,9 |
645,1 |
53 341,8 |
|
Mangistau region |
32 244,8 |
331 290,7 |
658,9 |
73 375,4 |
|
Pavlodar region |
23 579,0 |
224 947,9 |
790,3 |
65 818,7 |
|
North Kazakhstan reg. |
10 049,5 |
88 374,0 |
407,2 |
32 492,4 |
|
Turkestan reg. |
38 633,8 |
364 462,7 |
471,6 |
44 186,0 |
|
Almaty city |
381 143,3 |
6 461 214,2 |
3 573,9 |
613 137,8 |
|
Astana city |
97 064,4 |
1 181 780,2 |
1 545,6 |
194 897,0 |
|
Shimkent city |
60 655,1 |
760 878,9 |
1 505,1 |
163 514,9 |
|
Jetysu reg. |
22 845,0 |
207 957,7 |
560,0 |
42 448,5 |
|
Abay reg. |
16 645,7 |
146 444,1 |
543,7 |
40 513,6 |
|
Ulytau reg. |
6 728,2 |
67 968,9 |
206,6 |
19 453,8 |
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 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
970 032,4 |
12 685 750,0 |
17 117,3 |
1 888 535,3 |
|
POS - terminal |
194 399,6 |
1 246 009,5 |
264,7 |
270 007,4 |
|
ATM |
31,6 |
4 454,6 |
16 795,8 |
1 596 127,0 |
|
Internet and mobile phone |
511 774,3 |
10 144 952,2 |
- |
- |
|
Payment terminals |
40,2 |
2 546,4 |
56,7 |
22 400,8 |
|
QR-code |
263 786,7 |
1 287 787,3 |
- |
- |
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 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
15 209,3 |
258 259,8 |
431,7 |
34 679,5 |
|
POS - terminal |
4 894,3 |
118 766,1 |
2,7 |
1 153,6 |
|
ATM |
6,5 |
305,5 |
428,5 |
33 265,5 |
|
Internet and mobile phone |
10 109,4 |
128 560,4 |
- |
- |
|
others |
199,2 |
10 627,9 |
0,5 |
260,4 |
|
2025 |
||||
|
Total, incl. |
20 181,6 |
364 312,7 |
471,0 |
38 461,1 |
|
POS - terminal |
6 240,9 |
157 343,7 |
2,5 |
1 031,3 |
|
ATM |
10,5 |
502,7 |
467,6 |
37 058,9 |
|
Internet and mobile phone |
13 505,7 |
187 694,9 |
- |
- |
|
others |
424,5 |
18 771,4 |
0,9 |
370,9 |
[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.
