Version ¹261 от 01/07/2025
As of June 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 June 01, 2025, 81.2 million payment cards are in circulation. The most common are debit cards, their share is 80.6%, the share of credit cards is 15.7%. Debit cards with a credit limit and prepaid cards account for 3.7%.
In May 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 18.1 trillion tenge, the number – 1.3 bln transactions. At the same time, compared to the same period of 2024, the number of non-cash transactions increased by 11.9% and reached up to 1.2 bln transactions, the volume increased by 18.7%, reaching 15.7 trillion tenge. The holders of payment cards carried out 20.8 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 May 2024 by 0.7%. At the same time, the volume of cash withdrawal operations increased by 11.4%.
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 90.3% of the total volume of non-cash payments and money transfers) and POS terminals (18.8% and 9.4% 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 86.1% 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 |
01.06.2024 |
01.06.2025 |
|
Total number of cards in circulation (thousand), of which: |
77 425,6 |
81 237,9 |
|
local systems |
25 624,5 |
27 269,2 |
|
international systems, of which: |
51 801,1 |
53 968,7 |
|
Visa International, of which: |
38 625,7 |
37 898,8 |
|
debit |
34 958,0 |
34 930,0 |
|
credit |
664,0 |
646,2 |
|
Debit cards with credit limit and prepaid |
3 003,6 |
2 322,6 |
|
MasterCard Worldwide, of which: |
11 818,9 |
15 026,4 |
|
debit |
11 509,7 |
14 311,4 |
|
credit |
150,1 |
117,1 |
|
Debit cards with credit limit and prepaid |
159,1 |
597,8 |
|
Number of used cards (thousand), of which: |
39 097,6 |
41 339,2 |
|
local systems |
16 182,4 |
17 040,5 |
|
international systems, of which: |
22 915,3 |
24 298,7 |
|
Visa International, of which: |
19 382,1 |
20 237,1 |
|
debit |
18 703,9 |
19 624,0 |
|
credit |
257,1 |
284,1 |
|
ADebit cards with credit limit and prepaid |
421,2 |
329,0 |
|
MasterCard Worldwide, of which: |
3 068,9 |
3 581,0 |
|
debit |
2 997,2 |
3 461,5 |
|
credit |
43,3 |
31,3 |
|
Debit cards with credit limit and prepaid |
28,4 |
88,3 |
|
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 01.06.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
65 496,6 |
12 728,1 |
3 013,2 |
36 424,3 |
4 457,7 |
457,2 |
|
Akmola region |
1 840,7 |
435,2 |
126,2 |
1 121,5 |
148,9 |
20,3 |
|
Aktobe region |
2 678,3 |
647,8 |
215,8 |
1 542,2 |
230,7 |
28,2 |
|
Almaty region |
3 052,0 |
1 104,7 |
247,2 |
2 130,7 |
397,0 |
35,3 |
|
Atyrau region |
2 229,1 |
493,0 |
124,9 |
1 262,2 |
180,4 |
15,3 |
|
East Kazakhstan reg. |
2 085,7 |
471,2 |
201,9 |
1 187,4 |
158,9 |
27,8 |
|
Jambul region |
2 962,6 |
677,6 |
179,9 |
1 673,4 |
227,6 |
18,0 |
|
West Kazakhstan reg. |
1 935,1 |
484,8 |
100,3 |
1 142,9 |
167,5 |
13,5 |
|
Karaganda region |
3 523,7 |
757,1 |
205,1 |
2 033,5 |
265,2 |
33,6 |
|
Kostanai region |
2 350,4 |
490,4 |
121,7 |
1 330,9 |
165,4 |
22,0 |
|
Kyzylorda region |
2 269,3 |
547,1 |
147,2 |
1 233,4 |
187,4 |
14,2 |
|
Mangistau region |
2 328,3 |
535,7 |
99,5 |
1 333,8 |
203,8 |
13,3 |
|
Pavlodar region |
2 234,4 |
484,0 |
128,1 |
1 296,9 |
167,0 |
22,7 |
|
North Kazakhstan reg. |
1 435,3 |
278,4 |
65,5 |
816,0 |
86,1 |
11,5 |
|
Turkestan reg. |
3 726,0 |
1 198,8 |
219,3 |
2 451,9 |
369,6 |
20,2 |
|
Almaty city |
17 221,4 |
1 430,1 |
397,1 |
8 610,5 |
508,8 |
79,3 |
|
Shymkent city |
3 864,6 |
744,1 |
78,3 |
1 871,8 |
264,7 |
9,4 |
|
Astana city |
5 415,2 |
1 038,5 |
292,4 |
2 900,5 |
418,2 |
62,6 |
|
Jetysu reg. |
1 989,0 |
386,5 |
23,2 |
1 116,2 |
128,1 |
3,0 |
|
Abay reg. |
1 780,8 |
373,0 |
30,0 |
997,7 |
128,3 |
5,2 |
|
Ulytau reg. |
574,7 |
150,2 |
9,7 |
370,7 |
54,0 |
1,7 |
|
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-May |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
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|
Number of transactions (thousand) of which; |
4 845 219,36 |
100 962,70 |
|
local systems |
4 041 476,19 |
30 364,76 |
|
international systems, of which: |
803 743,18 |
70 597,94 |
|
Visa International |
702 772,04 |
59 372,95 |
|
MasterCard Worldwide |
95 137,01 |
8 816,41 |
|
Volume (mln.tenge), of which; |
58 562 297,35 |
9 810 208,52 |
|
local systems |
45 075 341,35 |
2 305 127,51 |
|
international systems, of which: |
13 486 956,00 |
7 505 081,02 |
|
Visa International |
10 635 309,92 |
6 126 641,70 |
|
MasterCard Worldwide |
2 716 070,50 |
1 179 278,92 |
|
2025 |
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|
Number of transactions (thousand) of which; |
5 537 962,75 |
96 455,89 |
|
local systems |
4 605 452,43 |
33 460,08 |
|
international systems, of which: |
932 510,32 |
62 995,81 |
|
Visa International |
783 298,30 |
52 012,00 |
|
MasterCard Worldwide |
140 423,06 |
8 513,21 |
|
Volume (mln.tenge), of which; |
71 740 321,70 |
10 712 544,39 |
|
local systems |
54 698 458,44 |
2 888 071,70 |
|
international systems, of which: |
17 041 863,27 |
7 824 472,69 |
|
Visa International |
13 062 643,75 |
6 431 374,29 |
|
MasterCard Worldwide |
3 796 208,84 |
1 175 230,69 |
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-May 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 404 037,8 |
70 782 063,2 |
94 269,6 |
10 521 486,7 |
|
Akmola region |
103 194,20 |
1 041 309,11 |
2 821,37 |
233 520,92 |
|
Aktobe region |
194 995,07 |
1 861 682,67 |
4 537,14 |
384 579,38 |
|
Almaty region |
191 483,49 |
2 208 706,28 |
1 789,58 |
204 832,61 |
|
Atyrau region |
171 111,37 |
1 780 846,66 |
3 107,57 |
314 607,14 |
|
East Kazakhstan reg. |
112 841,46 |
1 093 916,58 |
3 616,37 |
318 605,03 |
|
Jambul region |
193 111,91 |
1 872 633,51 |
5 041,22 |
427 114,58 |
|
West Kazakhstan reg. |
131 465,79 |
1 251 228,25 |
3 012,56 |
250 721,26 |
|
Karaganda region |
204 740,97 |
2 233 166,81 |
6 633,60 |
570 640,79 |
|
Kostanai region |
121 537,76 |
1 158 099,66 |
3 786,26 |
335 220,90 |
|
Kyzylorda region |
143 733,94 |
1 345 769,63 |
3 345,55 |
283 727,61 |
|
Mangistau region |
172 871,23 |
1 790 138,20 |
3 383,04 |
383 825,74 |
|
Pavlodar region |
131 298,69 |
1 228 576,38 |
4 361,82 |
359 288,12 |
|
North Kazakhstan reg. |
57 081,16 |
500 149,02 |
2 331,61 |
188 094,02 |
|
Turkestan reg. |
230 739,84 |
2 200 133,42 |
2 629,73 |
250 104,01 |
|
Almaty city |
2 092 580,30 |
36 020 519,68 |
20 046,52 |
3 471 559,83 |
|
Astana city |
538 752,86 |
6 453 519,17 |
8 635,13 |
1 080 194,71 |
|
Shimkent city |
345 727,25 |
4 340 150,76 |
7 930,69 |
886 398,40 |
|
Jetysu reg. |
133 337,08 |
1 206 612,12 |
3 087,51 |
237 513,90 |
|
Abay reg. |
95 834,50 |
819 731,89 |
3 021,52 |
228 871,27 |
|
Ulytau reg. |
37 598,92 |
375 173,43 |
1 150,77 |
112 066,47 |
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-May 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
5 404 037,8 |
70 782 063,5 |
94 269,6 |
10 521 488,2 |
|
POS - terminal |
1 066 414,7 |
6 846 174,4 |
1 233,4 |
1 370 338,1 |
|
ATM |
172,6 |
24 422,3 |
92 744,9 |
9 028 615,0 |
|
Internet and mobile phone |
2 861 656,7 |
56 714 824,2 |
- |
- |
|
Payment terminals |
192,4 |
12 421,1 |
291,2 |
122 535,1 |
|
QR-code |
1 475 601,3 |
7 184 221,4 |
- |
- |
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. |
82 786,0 |
1 271 788,3 |
2 281,7 |
172 672,7 |
|
POS - terminal |
25 924,1 |
550 337,5 |
14,3 |
5 502,5 |
|
ATM |
38,9 |
1 966,6 |
2 265,1 |
165 643,7 |
|
Internet and mobile phone |
55 737,4 |
671 560,1 |
- |
- |
|
others |
1 085,6 |
47 924,1 |
2,3 |
1 526,4 |
|
2025 |
||||
|
Total, incl. |
107 263,1 |
1 805 223,0 |
2 258,4 |
185 386,9 |
|
POS - terminal |
31 250,3 |
721 975,6 |
15,5 |
5 299,4 |
|
ATM |
65,0 |
3 018,4 |
2 239,6 |
178 573,9 |
|
Internet and mobile phone |
73 804,7 |
992 385,7 |
- |
- |
|
others |
2 143,1 |
87 843,3 |
3,3 |
1 513,6 |
[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.
