Version ¹258 от 31/03/2025
As of March 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, MasterCard Worldwide, UnionPay International, American Express International, and payment cards of the local system Kaspi.kz.
As of March 01, 2025, 81.0 million payment cards are in circulation. The most common are debit cards, their share is 81.4%, the share of credit cards is 15.6%. Debit cards with a credit limit and prepaid cards account for 2.9%.
In February 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.4 trillion tenge, the number – 1.0 bln transactions. At the same time, compared to the same period of 2024, the number of non-cash transactions increased by 13.7% and reached up to 1.0 bln transactions, the volume increased by 21.4%, reaching 13.4 trillion tenge. The holders of payment cards carried out 18.3 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to February 2024 by 5.8%. At the same time, the volume of cash withdrawal operations increased by 7.7%.
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 89.3% of the total volume of non-cash payments and money transfers) and POS terminals (20.1% and 10.3% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.2% and 86.0% 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 |
01.03.2024 |
01.03.2025 |
|
Total number of cards in circulation (thousand), of which: |
75 470,4 |
81 033,8 |
|
local systems |
25 201,6 |
26 923,9 |
|
international systems, of which: |
50 268,8 |
54 109,9 |
|
Visa International, of which: |
37 738,0 |
38 237,5 |
|
debit |
35 035,9 |
35 398,6 |
|
credit |
717,4 |
643,1 |
|
Debit cards with credit limit and prepaid |
1 984,7 |
2 195,8 |
|
MasterCard Worldwide, of which: |
11 105,2 |
14 787,9 |
|
debit |
10 774,8 |
14 523,7 |
|
credit |
159,4 |
121,7 |
|
Debit cards with credit limit and prepaid |
170,9 |
142,5 |
|
Number of used cards (thousand), of which: |
38 532,3 |
41 825,0 |
|
local systems |
15 961,0 |
16 712,3 |
|
international systems, of which: |
22 571,3 |
25 112,7 |
|
Visa International, of which: |
19 159,7 |
20 999,0 |
|
debit |
18 615,0 |
20 361,3 |
|
credit |
279,4 |
323,8 |
|
ADebit cards with credit limit and prepaid |
265,4 |
314,0 |
|
MasterCard Worldwide, of which: |
2 949,1 |
3 619,4 |
|
debit |
2 871,4 |
3 567,0 |
|
credit |
46,6 |
34,2 |
|
Debit cards with credit limit and prepaid |
31,1 |
18,2 |
|
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) |
22 976,26 |
25 912,5 |
|
Table 2 |
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|
Specifications |
As of 01.03.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
65 994,6 |
12 653,5 |
2 385,6 |
37 050,3 |
4 421,4 |
353,4 |
|
Akmola region |
1 852,7 |
431,8 |
106,3 |
1 136,8 |
147,1 |
16,8 |
|
Aktobe region |
2 748,5 |
645,8 |
128,5 |
1 584,0 |
225,3 |
18,5 |
|
Almaty region |
3 065,1 |
1 096,9 |
228,2 |
2 140,8 |
397,7 |
31,2 |
|
Atyrau region |
2 230,6 |
491,4 |
107,7 |
1 280,8 |
177,2 |
11,6 |
|
East Kazakhstan reg. |
2 124,4 |
468,4 |
166,4 |
1 218,0 |
155,5 |
23,5 |
|
Jambul region |
3 005,8 |
672,7 |
151,3 |
1 725,9 |
228,5 |
13,9 |
|
West Kazakhstan reg. |
2 008,3 |
482,7 |
94,2 |
1 168,0 |
164,8 |
12,5 |
|
Karaganda region |
3 543,9 |
753,4 |
157,7 |
2 069,3 |
259,3 |
24,9 |
|
Kostanai region |
2 354,3 |
486,4 |
105,0 |
1 356,3 |
162,1 |
18,9 |
|
Kyzylorda region |
2 288,6 |
545,2 |
130,9 |
1 279,8 |
187,5 |
11,3 |
|
Mangistau region |
2 328,6 |
532,3 |
85,2 |
1 356,1 |
197,7 |
10,1 |
|
Pavlodar region |
2 249,9 |
481,4 |
106,7 |
1 320,7 |
163,8 |
19,2 |
|
North Kazakhstan reg. |
1 439,1 |
275,1 |
60,6 |
828,3 |
84,2 |
10,6 |
|
Turkestan reg. |
3 874,0 |
1 190,1 |
205,6 |
2 554,9 |
369,3 |
18,5 |
|
Almaty city |
16 731,5 |
1 422,7 |
236,2 |
8 578,3 |
510,8 |
53,5 |
|
Shymkent city |
4 335,7 |
740,5 |
71,4 |
1 977,9 |
266,9 |
8,2 |
|
Astana city |
5 400,3 |
1 033,7 |
196,3 |
2 927,0 |
418,0 |
43,2 |
|
Jetysu reg. |
2 036,3 |
383,6 |
20,0 |
1 153,1 |
127,6 |
2,4 |
|
Abay reg. |
1 795,6 |
370,1 |
19,6 |
1 017,7 |
125,8 |
3,0 |
|
Ulytau reg. |
581,1 |
149,4 |
7,8 |
376,7 |
52,2 |
1,4 |
|
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-February |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
1 729 899,71 |
39 052,21 |
|
local systems |
1 438 369,04 |
11 811,18 |
|
international systems, of which: |
291 530,66 |
27 241,03 |
|
Visa International |
254 844,80 |
22 992,49 |
|
MasterCard Worldwide |
34 509,30 |
3 303,25 |
|
Volume (mln.tenge), of which; |
21 128 994,76 |
3 704 948,40 |
|
local systems |
16 133 537,89 |
861 263,77 |
|
international systems, of which: |
4 995 456,87 |
2 843 684,63 |
|
Visa International |
3 950 168,16 |
2 324 136,11 |
|
MasterCard Worldwide |
994 600,34 |
442 300,92 |
|
2025 |
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|
Number of transactions (thousand) of which; |
2 004 214,26 |
35 861,93 |
|
local systems |
1 661 399,40 |
12 309,66 |
|
international systems, of which: |
342 814,86 |
23 552,27 |
|
Visa International |
288 552,30 |
19 372,38 |
|
MasterCard Worldwide |
50 946,63 |
3 202,33 |
|
Volume (mln.tenge), of which; |
26 338 667,69 |
3 957 273,41 |
|
local systems |
19 992 412,62 |
1 048 394,57 |
|
international systems, of which: |
6 346 255,07 |
2 908 878,84 |
|
Visa International |
4 864 819,92 |
2 383 082,43 |
|
MasterCard Worldwide |
1 411 214,86 |
439 674,08 |
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-February 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 955 232,9 |
25 924 746,5 |
34 971,5 |
3 879 610,8 |
|
Akmola region |
36 690,33 |
378 301,67 |
1 024,68 |
83 984,02 |
|
Aktobe region |
71 123,53 |
692 015,23 |
1 699,44 |
144 518,33 |
|
Almaty region |
67 591,91 |
784 046,48 |
657,28 |
73 438,15 |
|
Atyrau region |
62 506,37 |
665 960,47 |
1 174,96 |
119 096,15 |
|
East Kazakhstan reg. |
42 035,47 |
404 798,18 |
1 338,37 |
117 809,90 |
|
Jambul region |
68 452,34 |
671 850,59 |
1 885,26 |
159 009,62 |
|
West Kazakhstan reg. |
47 564,41 |
468 203,88 |
1 123,65 |
95 210,71 |
|
Karaganda region |
73 510,09 |
820 834,43 |
2 431,11 |
211 481,16 |
|
Kostanai region |
43 935,00 |
430 115,35 |
1 389,77 |
123 482,09 |
|
Kyzylorda region |
51 354,60 |
489 058,29 |
1 292,91 |
108 471,63 |
|
Mangistau region |
63 246,74 |
664 506,31 |
1 289,41 |
146 765,64 |
|
Pavlodar region |
47 569,15 |
456 414,14 |
1 612,09 |
134 574,62 |
|
North Kazakhstan reg. |
20 441,82 |
182 398,28 |
850,39 |
68 544,31 |
|
Turkestan reg. |
79 444,59 |
750 587,30 |
997,34 |
94 328,70 |
|
Almaty city |
767 590,42 |
13 263 377,14 |
7 325,61 |
1 251 042,33 |
|
Astana city |
195 118,07 |
2 391 252,62 |
3 165,74 |
400 367,30 |
|
Shimkent city |
122 851,95 |
1 544 494,20 |
3 023,31 |
332 184,61 |
|
Jetysu reg. |
46 575,66 |
425 921,82 |
1 134,36 |
86 598,01 |
|
Abay reg. |
34 011,43 |
299 097,41 |
1 113,82 |
83 532,81 |
|
Ulytau reg. |
13 619,06 |
141 512,75 |
442,04 |
45 170,73 |
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-February 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 955 232,9 |
25 924 746,2 |
34 971,5 |
3 879 612,9 |
|
POS - terminal |
392 906,0 |
2 598 141,1 |
506,6 |
524 667,7 |
|
ATM |
61,4 |
9 109,1 |
34 352,9 |
3 308 838,2 |
|
Internet and mobile phone |
1 032 907,7 |
20 668 182,4 |
- |
- |
|
Payment terminals |
81,5 |
5 278,3 |
112,0 |
46 107,1 |
|
QR-code |
529 276,2 |
2 644 035,2 |
- |
- |
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-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
29 155,8 |
487 194,8 |
835,7 |
67 513,1 |
|
POS - terminal |
9 372,1 |
216 163,4 |
5,3 |
2 266,4 |
|
ATM |
12,8 |
659,8 |
829,4 |
64 699,1 |
|
Internet and mobile phone |
19 401,5 |
251 782,2 |
- |
- |
|
others |
369,4 |
18 589,4 |
1,0 |
547,6 |
|
2025 |
||||
|
Total, incl. |
39 079,5 |
684 323,0 |
890,9 |
75 369,9 |
|
POS - terminal |
11 670,6 |
279 614,8 |
5,3 |
2 148,9 |
|
ATM |
19,4 |
1 037,6 |
884,0 |
72 519,1 |
|
Internet and mobile phone |
26 621,5 |
371 054,2 |
0,0 |
0,0 |
|
others |
768,0 |
32 616,4 |
1,5 |
701,9 |
[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.
