Version ¹259 от 30/04/2025
As of April 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 April 01, 2025, 81.9 million payment cards are in circulation. The most common are debit cards, their share is 80.7%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 3.8%.
In March 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 16.7 trillion tenge, the number – 1.1 bln transactions. At the same time, compared to the same period of 2024, the number of non-cash transactions increased by 14.2% and reached up to 1.1 bln transactions, the volume increased by 23.3%, reaching 14.6 trillion tenge. The holders of payment cards carried out 19.7 million cash withdrawal operations in the amount of 2.1 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to March 2024 by 4.3%. At the same time, the volume of cash withdrawal operations increased by 8.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.7% of the total number of transactions and 89.5% of the total volume of non-cash payments and money transfers) and POS terminals (20.2% 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 (98.4% and 87.0% 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 |
01.04.2024 |
01.04.2025 |
|
Total number of cards in circulation (thousand), of which: |
75 824,3 |
81 866,8 |
|
local systems |
25 360,8 |
27 099,6 |
|
international systems, of which: |
50 463,5 |
54 767,2 |
|
Visa International, of which: |
37 807,3 |
38 493,4 |
|
debit |
35 085,8 |
35 599,5 |
|
credit |
686,0 |
644,3 |
|
Debit cards with credit limit and prepaid |
2 035,5 |
2 249,6 |
|
MasterCard Worldwide, of which: |
11 286,6 |
15 186,3 |
|
debit |
10 959,3 |
14 365,9 |
|
credit |
157,5 |
120,4 |
|
Debit cards with credit limit and prepaid |
169,8 |
700,1 |
|
Number of used cards (thousand), of which: |
38 830,2 |
42 753,2 |
|
local systems |
16 125,8 |
17 055,6 |
|
international systems, of which: |
22 704,4 |
25 697,6 |
|
Visa International, of which: |
19 251,1 |
20 967,8 |
|
debit |
18 697,4 |
20 304,0 |
|
credit |
270,6 |
319,3 |
|
ADebit cards with credit limit and prepaid |
283,1 |
344,5 |
|
MasterCard Worldwide, of which: |
2 988,5 |
4 235,1 |
|
debit |
2 911,7 |
4 013,5 |
|
credit |
46,3 |
35,8 |
|
Debit cards with credit limit and prepaid |
30,5 |
185,8 |
|
Quarterly specifications |
01.04.2024 |
01.04.2025 |
|
Number of POS - terminals (units), of which: |
1 134 474 |
1 365 693 |
|
commercial enterprises |
1 126 552 |
1 358 450 |
|
banks |
7 922 |
7 243 |
|
Number of ATM (units) , of which: |
12 727 |
12 425 |
|
with cash distribution function |
4 946 |
3 449 |
|
with cash reception and distribution functions |
7 781 |
8 976 |
|
Number of commercial enterprises (units) |
813 114 |
913 062 |
|
Number of users of online bank service(thousand units) |
23 262,7 |
26 675,4 |
|
Table 2 |
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|
Specifications |
As of 01.04.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
66 093,7 |
12 688,5 |
3 084,5 |
37 546,1 |
4 593,2 |
613,9 |
|
Akmola region |
1 858,5 |
433,4 |
122,5 |
1 137,1 |
154,7 |
22,9 |
|
Aktobe region |
2 699,9 |
647,0 |
216,1 |
1 598,7 |
240,5 |
41,5 |
|
Almaty region |
3 061,9 |
1 100,9 |
240,4 |
2 148,4 |
409,8 |
39,1 |
|
Atyrau region |
2 236,3 |
492,4 |
124,1 |
1 289,7 |
184,7 |
19,6 |
|
East Kazakhstan reg. |
2 112,1 |
469,7 |
203,2 |
1 226,1 |
164,2 |
35,2 |
|
Jambul region |
3 015,8 |
674,9 |
175,5 |
1 738,1 |
233,8 |
23,0 |
|
West Kazakhstan reg. |
1 960,7 |
483,8 |
98,9 |
1 154,7 |
175,8 |
15,7 |
|
Karaganda region |
3 537,0 |
755,2 |
205,7 |
2 078,0 |
271,9 |
44,9 |
|
Kostanai region |
2 376,1 |
488,2 |
120,7 |
1 367,2 |
171,6 |
26,4 |
|
Kyzylorda region |
2 304,0 |
546,1 |
145,1 |
1 295,1 |
193,6 |
18,4 |
|
Mangistau region |
2 335,8 |
533,7 |
98,0 |
1 366,0 |
205,4 |
16,9 |
|
Pavlodar region |
2 255,5 |
482,8 |
128,8 |
1 331,4 |
172,5 |
28,4 |
|
North Kazakhstan reg. |
1 460,3 |
276,4 |
65,0 |
833,7 |
89,3 |
13,2 |
|
Turkestan reg. |
3 862,6 |
1 193,6 |
212,4 |
2 532,1 |
377,2 |
22,2 |
|
Almaty city |
16 903,7 |
1 426,4 |
390,5 |
8 888,4 |
524,9 |
110,8 |
|
Shymkent city |
4 287,7 |
742,2 |
181,8 |
2 042,4 |
272,5 |
34,9 |
|
Astana city |
5 393,3 |
1 036,0 |
292,2 |
2 981,6 |
428,7 |
85,2 |
|
Jetysu reg. |
2 037,7 |
384,9 |
23,4 |
1 139,8 |
133,4 |
4,4 |
|
Abay reg. |
1 814,7 |
371,4 |
29,7 |
1 024,8 |
133,2 |
8,2 |
|
Ulytau reg. |
580,1 |
149,7 |
10,5 |
372,9 |
55,5 |
3,1 |
|
Table 3 |
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|
Specifications |
As of 01.04.2025 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 365 693 |
12 425 |
913 062 |
1 157 268 |
|
Akmola region |
53 213 |
406 |
33 166 |
44 484 |
|
Aktobe region |
62 763 |
630 |
43 375 |
54 541 |
|
Almaty region |
64 967 |
280 |
55 030 |
59 785 |
|
Atyrau region |
50 521 |
586 |
33 856 |
44 512 |
|
East Kazakhstan reg. |
48 759 |
568 |
31 824 |
41 013 |
|
Jambul region |
58 813 |
546 |
41 191 |
50 561 |
|
West Kazakhstan reg. |
42 541 |
434 |
29 062 |
36 802 |
|
Karaganda region |
83 479 |
892 |
53 932 |
68 171 |
|
Kostanai region |
59 716 |
496 |
37 831 |
51 791 |
|
Kyzylorda region |
40 099 |
396 |
28 327 |
33 295 |
|
Mangistau region |
52 779 |
588 |
36 339 |
45 872 |
|
Pavlodar region |
56 487 |
594 |
32 879 |
46 547 |
|
North Kazakhstan reg. |
29 897 |
338 |
17 809 |
24 815 |
|
Turkestan reg. |
51 989 |
361 |
45 101 |
49 908 |
|
Almaty city |
285 729 |
2 246 |
176 328 |
239 783 |
|
Shimkent city |
81 041 |
750 |
55 048 |
65 525 |
|
Astana city |
174 745 |
1 425 |
111 796 |
140 419 |
|
Jetysu reg. |
25 453 |
319 |
19 583 |
22 136 |
|
Abay reg. |
31 259 |
371 |
22 277 |
26 625 |
|
Ulytau reg. |
11 443 |
199 |
8 308 |
10 683 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
2 696 356,52 |
59 624,96 |
|
local systems |
2 244 812,62 |
17 869,92 |
|
international systems, of which: |
451 543,90 |
41 755,04 |
|
Visa International |
394 511,03 |
35 243,12 |
|
MasterCard Worldwide |
53 672,41 |
5 080,90 |
|
Volume (mln.tenge), of which; |
32 963 434,67 |
5 666 002,31 |
|
local systems |
25 219 428,58 |
1 321 291,16 |
|
international systems, of which: |
7 744 006,09 |
4 344 711,15 |
|
Visa International |
6 124 482,20 |
3 554 720,87 |
|
MasterCard Worldwide |
1 540 909,90 |
672 966,88 |
|
2025 |
||
|
Number of transactions (thousand) of which; |
3 108 287,02 |
55 555,01 |
|
local systems |
2 572 214,42 |
19 044,72 |
|
international systems, of which: |
536 072,60 |
36 510,29 |
|
Visa International |
450 758,93 |
30 060,13 |
|
MasterCard Worldwide |
80 165,47 |
4 968,05 |
|
Volume (mln.tenge), of which; |
40 936 412,19 |
6 075 202,81 |
|
local systems |
31 040 402,00 |
1 623 780,58 |
|
international systems, of which: |
9 896 010,19 |
4 451 422,22 |
|
Visa International |
7 594 700,33 |
3 649 747,91 |
|
MasterCard Worldwide |
2 193 897,24 |
671 570,07 |
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-March 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 032 314,8 |
40 329 048,4 |
54 187,5 |
5 957 008,5 |
|
Akmola region |
57 183,53 |
590 654,40 |
1 607,42 |
130 683,50 |
|
Aktobe region |
109 502,01 |
1 067 847,66 |
2 613,90 |
219 358,80 |
|
Almaty region |
105 208,21 |
1 228 561,05 |
1 024,04 |
113 895,34 |
|
Atyrau region |
96 285,83 |
1 021 221,83 |
1 797,69 |
180 715,41 |
|
East Kazakhstan reg. |
65 436,58 |
629 770,04 |
2 077,46 |
181 885,91 |
|
Jambul region |
106 303,98 |
1 050 758,17 |
2 905,86 |
243 892,80 |
|
West Kazakhstan reg. |
73 767,41 |
721 216,68 |
1 735,14 |
144 839,51 |
|
Karaganda region |
114 226,95 |
1 276 473,18 |
3 779,65 |
323 567,97 |
|
Kostanai region |
68 525,22 |
670 322,69 |
2 171,27 |
190 778,01 |
|
Kyzylorda region |
79 778,66 |
761 444,15 |
1 970,24 |
165 598,94 |
|
Mangistau region |
97 483,09 |
1 028 059,36 |
1 983,92 |
222 928,91 |
|
Pavlodar region |
73 803,05 |
708 410,16 |
2 513,63 |
205 968,78 |
|
North Kazakhstan reg. |
32 054,54 |
287 465,71 |
1 334,22 |
106 097,70 |
|
Turkestan reg. |
124 350,47 |
1 189 185,98 |
1 539,27 |
145 466,44 |
|
Almaty city |
1 190 741,36 |
20 635 606,11 |
11 429,29 |
1 931 197,96 |
|
Astana city |
300 870,41 |
3 698 235,72 |
4 929,82 |
614 207,85 |
|
Shimkent city |
190 074,07 |
2 412 111,27 |
4 599,55 |
506 517,33 |
|
Jetysu reg. |
72 708,49 |
668 349,68 |
1 770,18 |
133 748,98 |
|
Abay reg. |
52 974,53 |
466 380,68 |
1 733,95 |
129 277,45 |
|
Ulytau reg. |
21 036,45 |
216 973,89 |
671,07 |
66 380,92 |
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-March 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 032 314,8 |
40 329 048,7 |
54 187,5 |
5 957 010,0 |
|
POS - terminal |
611 164,6 |
4 027 181,7 |
739,7 |
770 182,1 |
|
ATM |
96,3 |
14 071,8 |
53 279,7 |
5 116 856,1 |
|
Internet and mobile phone |
1 609 118,6 |
32 174 980,4 |
- |
- |
|
Payment terminals |
124,0 |
8 054,7 |
168,1 |
69 971,8 |
|
QR-code |
811 811,3 |
4 104 760,2 |
- |
- |
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-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
46 169,0 |
752 735,5 |
1 315,4 |
104 709,1 |
|
POS - terminal |
14 713,6 |
333 218,9 |
8,2 |
3 428,4 |
|
ATM |
22,4 |
1 347,3 |
1 305,8 |
100 345,2 |
|
Internet and mobile phone |
30 852,4 |
390 320,2 |
- |
- |
|
others |
580,6 |
27 849,2 |
1,4 |
935,6 |
|
2025 |
||||
|
Total, incl. |
62 000,6 |
1 059 994,3 |
1 361,0 |
113 197,0 |
|
POS - terminal |
18 184,4 |
428 647,9 |
8,6 |
3 221,3 |
|
ATM |
30,5 |
1 612,6 |
1 350,3 |
108 975,2 |
|
Internet and mobile phone |
42 587,4 |
579 322,4 |
- |
- |
|
others |
1 198,3 |
50 411,4 |
2,1 |
1 000,5 |
[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.
