Version ¹260 от 29/05/2025
As of May 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 May 01, 2025, 81.2 million payment cards are in circulation. The most common are debit cards, their share is 80.5%, the share of credit cards is 15.7%. Debit cards with a credit limit and prepaid cards account for 3.8%.
In April 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.4 trillion tenge, the number – 1.2 bln transactions. At the same time, compared to the same period of 2024, the number of non-cash transactions increased by 14.3% and reached up to 1.2 bln transactions, the volume increased by 22.0%, reaching 15.1 trillion tenge. The holders of payment cards carried out 20.1 million cash withdrawal operations in the amount of 2.3 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to April 2024 by 1.4%. At the same time, the volume of cash withdrawal operations increased by 12.4%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.5% of the total number of transactions and 90.0% of the total volume of non-cash payments and money transfers) and POS terminals (19.4% and 9.6% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.3% and 85.2% 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 |
01.05.2024 |
01.05.2025 |
|
Total number of cards in circulation (thousand), of which: |
76 628,0 |
81 159,9 |
|
local systems |
25 495,7 |
27 155,6 |
|
international systems, of which: |
51 132,3 |
54 004,4 |
|
Visa International, of which: |
38 240,5 |
37 776,3 |
|
debit |
35 095,3 |
34 834,7 |
|
credit |
665,3 |
644,7 |
|
Debit cards with credit limit and prepaid |
2 479,9 |
2 297,0 |
|
MasterCard Worldwide, of which: |
11 526,8 |
15 137,6 |
|
debit |
11 202,7 |
14 310,7 |
|
credit |
155,0 |
119,5 |
|
Debit cards with credit limit and prepaid |
169,2 |
707,3 |
|
Number of used cards (thousand), of which: |
38 871,1 |
41 525,7 |
|
local systems |
16 028,4 |
16 958,3 |
|
international systems, of which: |
22 842,7 |
24 567,4 |
|
Visa International, of which: |
19 323,6 |
20 354,3 |
|
debit |
18 642,1 |
19 724,8 |
|
credit |
265,3 |
293,5 |
|
ADebit cards with credit limit and prepaid |
416,2 |
336,1 |
|
MasterCard Worldwide, of which: |
3 053,2 |
3 721,2 |
|
debit |
2 976,6 |
3 590,8 |
|
credit |
46,7 |
34,2 |
|
Debit cards with credit limit and prepaid |
29,9 |
96,2 |
|
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 01.05.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
65 362,2 |
12 705,8 |
3 091,9 |
36 597,1 |
4 460,6 |
467,9 |
|
Akmola region |
1 821,7 |
434,3 |
123,8 |
1 122,1 |
150,0 |
19,9 |
|
Aktobe region |
2 661,3 |
647,2 |
216,2 |
1 549,0 |
231,8 |
28,1 |
|
Almaty region |
3 031,0 |
1 102,5 |
242,2 |
2 132,0 |
395,6 |
35,0 |
|
Atyrau region |
2 213,8 |
492,6 |
124,4 |
1 266,2 |
179,1 |
15,3 |
|
East Kazakhstan reg. |
2 075,5 |
470,4 |
203,4 |
1 201,2 |
160,3 |
28,3 |
|
Jambul region |
2 946,2 |
676,2 |
177,4 |
1 683,1 |
227,8 |
17,9 |
|
West Kazakhstan reg. |
1 930,1 |
484,1 |
99,2 |
1 148,8 |
168,0 |
13,7 |
|
Karaganda region |
3 498,6 |
755,8 |
204,7 |
2 044,2 |
264,5 |
33,5 |
|
Kostanai region |
2 337,1 |
489,2 |
120,9 |
1 343,0 |
166,1 |
22,0 |
|
Kyzylorda region |
2 256,3 |
546,6 |
146,1 |
1 241,1 |
188,3 |
14,4 |
|
Mangistau region |
2 309,0 |
534,4 |
98,6 |
1 338,3 |
201,8 |
13,4 |
|
Pavlodar region |
2 221,6 |
483,3 |
128,4 |
1 306,8 |
167,7 |
22,8 |
|
North Kazakhstan reg. |
1 427,9 |
277,4 |
65,4 |
819,0 |
86,4 |
11,8 |
|
Turkestan reg. |
3 707,3 |
1 196,1 |
215,8 |
2 448,1 |
373,6 |
20,6 |
|
Almaty city |
17 003,0 |
1 427,7 |
391,2 |
8 622,9 |
504,5 |
78,3 |
|
Shymkent city |
4 236,8 |
743,2 |
183,1 |
1 922,3 |
264,9 |
20,2 |
|
Astana city |
5 371,3 |
1 037,1 |
289,2 |
2 918,3 |
418,2 |
62,6 |
|
Jetysu reg. |
1 970,6 |
385,5 |
23,4 |
1 118,8 |
128,4 |
3,0 |
|
Abay reg. |
1 770,8 |
372,3 |
29,1 |
1 000,5 |
129,2 |
5,3 |
|
Ulytau reg. |
572,4 |
149,9 |
9,5 |
371,3 |
54,3 |
1,8 |
|
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-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
3 730 718,40 |
80 062,23 |
|
local systems |
3 106 919,75 |
23 995,18 |
|
international systems, of which: |
623 798,65 |
56 067,05 |
|
Visa International |
545 594,67 |
47 268,13 |
|
MasterCard Worldwide |
73 634,94 |
6 881,99 |
|
Volume (mln.tenge), of which; |
45 299 739,69 |
7 708 200,34 |
|
local systems |
34 736 193,92 |
1 800 834,49 |
|
international systems, of which: |
10 563 545,77 |
5 907 365,85 |
|
Visa International |
8 346 363,11 |
4 832 380,02 |
|
MasterCard Worldwide |
2 110 677,61 |
917 466,78 |
|
2025 |
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|
Number of transactions (thousand) of which; |
4 290 620,22 |
75 698,55 |
|
local systems |
3 560 646,63 |
26 112,71 |
|
international systems, of which: |
729 973,59 |
49 585,84 |
|
Visa International |
613 495,89 |
40 885,70 |
|
MasterCard Worldwide |
109 506,27 |
6 721,46 |
|
Volume (mln.tenge), of which; |
55 992 055,15 |
8 370 992,43 |
|
local systems |
42 565 434,42 |
2 241 852,62 |
|
international systems, of which: |
13 426 620,73 |
6 129 139,81 |
|
Visa International |
10 294 167,06 |
5 031 546,26 |
|
MasterCard Worldwide |
2 986 909,03 |
923 095,41 |
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-April 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 185 208,8 |
55 190 740,9 |
73 907,9 |
8 216 334,1 |
|
Akmola region |
79 239,67 |
807 546,03 |
2 197,32 |
180 654,03 |
|
Aktobe region |
150 924,58 |
1 453 385,83 |
3 551,35 |
300 494,21 |
|
Almaty region |
146 786,75 |
1 702 565,81 |
1 394,54 |
158 561,00 |
|
Atyrau region |
132 833,10 |
1 393 474,23 |
2 450,09 |
248 648,86 |
|
East Kazakhstan reg. |
88 657,93 |
857 230,41 |
2 833,17 |
249 126,39 |
|
Jambul region |
148 430,87 |
1 449 770,69 |
3 958,78 |
334 556,20 |
|
West Kazakhstan reg. |
101 709,38 |
979 967,15 |
2 360,37 |
196 360,89 |
|
Karaganda region |
158 003,69 |
1 743 770,27 |
5 181,17 |
445 752,72 |
|
Kostanai region |
94 301,86 |
909 688,55 |
2 962,17 |
261 644,94 |
|
Kyzylorda region |
110 892,44 |
1 046 536,42 |
2 653,86 |
224 907,50 |
|
Mangistau region |
134 255,95 |
1 401 220,50 |
2 677,04 |
303 636,56 |
|
Pavlodar region |
101 601,54 |
962 529,38 |
3 420,39 |
281 900,47 |
|
North Kazakhstan reg. |
44 164,46 |
391 712,01 |
1 820,75 |
146 485,69 |
|
Turkestan reg. |
175 754,60 |
1 670 305,96 |
2 077,95 |
197 301,88 |
|
Almaty city |
1 630 350,75 |
28 165 948,75 |
15 681,40 |
2 696 031,94 |
|
Astana city |
416 694,29 |
5 045 693,33 |
6 749,01 |
843 501,47 |
|
Shimkent city |
265 895,78 |
3 349 384,78 |
6 250,38 |
694 919,49 |
|
Jetysu reg. |
101 930,25 |
927 473,82 |
2 413,40 |
184 291,11 |
|
Abay reg. |
73 706,96 |
638 155,58 |
2 364,55 |
178 367,89 |
|
Ulytau reg. |
29 073,93 |
294 381,37 |
910,26 |
89 190,91 |
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-April 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 185 208,8 |
55 190 741,2 |
73 907,9 |
8 216 335,6 |
|
POS - terminal |
835 867,5 |
5 426 025,4 |
991,5 |
1 077 778,7 |
|
ATM |
133,4 |
19 276,6 |
72 686,7 |
7 042 153,5 |
|
Internet and mobile phone |
2 215 514,5 |
44 143 875,4 |
- |
- |
|
Payment terminals |
160,3 |
10 394,3 |
229,7 |
96 403,3 |
|
QR-code |
1 133 533,1 |
5 591 169,5 |
- |
- |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
63 689,8 |
997 452,6 |
1 785,2 |
138 758,6 |
|
POS - terminal |
20 067,8 |
434 442,9 |
11,1 |
4 417,4 |
|
ATM |
29,7 |
1 643,5 |
1 772,2 |
133 176,2 |
|
Internet and mobile phone |
42 778,7 |
524 307,4 |
- |
- |
|
others |
813,6 |
37 058,9 |
1,8 |
1 165,0 |
|
2025 |
||||
|
Total, incl. |
84 215,5 |
1 428 564,8 |
1 808,2 |
149 246,8 |
|
POS - terminal |
24 529,7 |
569 817,4 |
12,0 |
4 219,0 |
|
ATM |
44,8 |
2 271,9 |
1 793,5 |
143 792,1 |
|
Internet and mobile phone |
57 980,7 |
787 932,1 |
- |
- |
|
others |
1 660,2 |
68 543,4 |
2,7 |
1 235,6 |
[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.
