Version ¹262 от 31/07/2025
As of July 01, 2025 actual origination of the payment cards were realized by 18 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 July 01, 2025, 81.7 million payment cards are in circulation. The most common are debit cards, their share is 80.7%, the share of credit cards is 15.6%. Debit cards with a credit limit and prepaid cards account for 3.7%.
In June 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 18.3 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 6.2% and reached up to 1.2 bln transactions, the volume increased by 11.2%, reaching 15.9 trillion tenge. The holders of payment cards carried out 20.5 million cash withdrawal operations in the amount of 2.4 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to June 2024 by 1.8%. At the same time, the volume of cash withdrawal operations increased by 9.4%.
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 90.3% of the total volume of non-cash payments and money transfers) and POS terminals (19.4% 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 85.7% 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 |
01.07.2024 |
01.07.2025 |
|
Total number of cards in circulation (thousand), of which: |
78 063,0 |
81 721,1 |
|
local systems |
25 781,6 |
27 353,5 |
|
international systems, of which: |
52 281,3 |
54 367,7 |
|
Visa International, of which: |
38 856,7 |
38 184,7 |
|
debit |
35 138,1 |
35 205,3 |
|
credit |
659,5 |
646,7 |
|
Debit cards with credit limit and prepaid |
3 059,1 |
2 332,6 |
|
MasterCard Worldwide, of which: |
12 072,5 |
15 157,2 |
|
debit |
11 769,5 |
14 456,8 |
|
credit |
147,1 |
112,2 |
|
Debit cards with credit limit and prepaid |
155,8 |
588,2 |
|
Number of used cards (thousand), of which: |
39 261,8 |
41 289,8 |
|
local systems |
16 348,1 |
17 019,8 |
|
international systems, of which: |
22 913,7 |
24 270,0 |
|
Visa International, of which: |
19 355,1 |
20 187,9 |
|
debit |
18 686,4 |
19 574,3 |
|
credit |
248,6 |
274,5 |
|
ADebit cards with credit limit and prepaid |
420,0 |
339,1 |
|
MasterCard Worldwide, of which: |
3 093,1 |
3 615,3 |
|
debit |
3 025,7 |
3 491,7 |
|
credit |
41,0 |
28,7 |
|
Debit cards with credit limit and prepaid |
26,4 |
94,9 |
|
Quarterly specifications |
01.07.2024 |
01.07.2025 |
|
Number of POS - terminals (units), of which: |
1 163 372 |
1 364 509 |
|
commercial enterprises |
1 155 617 |
1 356 999 |
|
banks |
7 755 |
7 510 |
|
Number of ATM (units) , of which: |
12 674 |
12 823 |
|
with cash distribution function |
4 481 |
3 429 |
|
with cash reception and distribution functions |
8 193 |
9 394 |
|
Number of commercial enterprises (units) |
846 577 |
910 707 |
|
Number of users of online bank service(thousand units) |
24 203,57 |
27 075,2 |
|
Table 2 |
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|
Specifications |
As of 01.07.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
65 982,8 |
12 739,6 |
2 998,7 |
36 388,2 |
4 440,2 |
461,4 |
|
Akmola region |
1 853,5 |
435,6 |
127,6 |
1 125,5 |
149,4 |
21,3 |
|
Aktobe region |
2 693,6 |
647,4 |
211,7 |
1 543,7 |
230,2 |
28,8 |
|
Almaty region |
3 136,3 |
1 107,7 |
247,5 |
2 176,1 |
397,8 |
35,4 |
|
Atyrau region |
2 247,9 |
493,0 |
124,7 |
1 265,1 |
178,7 |
15,8 |
|
East Kazakhstan reg. |
2 097,7 |
471,6 |
199,1 |
1 187,9 |
159,6 |
28,1 |
|
Jambul region |
2 982,6 |
678,4 |
179,6 |
1 678,6 |
224,3 |
18,3 |
|
West Kazakhstan reg. |
1 939,1 |
484,9 |
99,9 |
1 141,0 |
168,3 |
13,5 |
|
Karaganda region |
3 547,4 |
757,1 |
203,0 |
2 037,4 |
264,3 |
33,8 |
|
Kostanai region |
2 363,2 |
491,2 |
122,3 |
1 336,4 |
167,3 |
22,1 |
|
Kyzylorda region |
2 285,3 |
546,8 |
148,6 |
1 236,0 |
183,2 |
14,7 |
|
Mangistau region |
2 347,3 |
536,1 |
99,5 |
1 334,8 |
200,5 |
13,7 |
|
Pavlodar region |
2 249,7 |
484,4 |
126,3 |
1 300,5 |
168,0 |
22,7 |
|
North Kazakhstan reg. |
1 444,7 |
279,3 |
64,6 |
819,1 |
87,5 |
11,6 |
|
Turkestan reg. |
3 743,4 |
1 199,9 |
220,4 |
2 456,9 |
358,4 |
20,7 |
|
Almaty city |
17 367,1 |
1 432,0 |
393,4 |
8 498,7 |
510,8 |
79,8 |
|
Shymkent city |
3 882,7 |
745,0 |
78,7 |
1 883,3 |
261,5 |
9,4 |
|
Astana city |
5 467,5 |
1 039,2 |
287,7 |
2 909,0 |
420,1 |
61,9 |
|
Jetysu reg. |
1 964,7 |
386,6 |
23,8 |
1 093,9 |
128,1 |
2,9 |
|
Abay reg. |
1 792,7 |
373,1 |
30,8 |
995,4 |
128,5 |
5,3 |
|
Ulytau reg. |
576,2 |
150,3 |
9,7 |
368,9 |
53,6 |
1,6 |
|
Table 3 |
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|
Specifications |
As of 01.07.2025 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 364 509 |
12 823 |
910 707 |
1 146 780 |
|
Akmola region |
52 268 |
427 |
32 861 |
43 259 |
|
Aktobe region |
61 217 |
659 |
42 918 |
52 512 |
|
Almaty region |
65 037 |
291 |
56 351 |
59 027 |
|
Atyrau region |
49 903 |
609 |
33 685 |
43 676 |
|
East Kazakhstan reg. |
47 865 |
599 |
31 751 |
40 144 |
|
Jambul region |
53 529 |
569 |
41 221 |
48 686 |
|
West Kazakhstan reg. |
42 036 |
452 |
29 313 |
36 152 |
|
Karaganda region |
81 401 |
922 |
53 158 |
65 286 |
|
Kostanai region |
58 163 |
525 |
37 322 |
49 993 |
|
Kyzylorda region |
38 401 |
421 |
27 656 |
31 379 |
|
Mangistau region |
50 547 |
599 |
35 294 |
43 395 |
|
Pavlodar region |
55 557 |
611 |
32 731 |
45 292 |
|
North Kazakhstan reg. |
30 077 |
362 |
18 162 |
24 790 |
|
Turkestan reg. |
50 034 |
415 |
44 685 |
47 508 |
|
Almaty city |
309 492 |
2 260 |
175 060 |
258 511 |
|
Shimkent city |
78 498 |
753 |
54 333 |
62 432 |
|
Astana city |
173 585 |
1 431 |
113 203 |
135 924 |
|
Jetysu reg. |
24 932 |
337 |
20 067 |
22 009 |
|
Abay reg. |
30 995 |
380 |
22 584 |
26 396 |
|
Ulytau reg. |
10 972 |
201 |
8 352 |
10 409 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
5 967 481,18 |
121 875,81 |
|
local systems |
4 983 566,86 |
36 735,67 |
|
international systems, of which: |
983 914,32 |
85 140,14 |
|
Visa International |
859 629,56 |
71 398,80 |
|
MasterCard Worldwide |
117 203,40 |
10 851,42 |
|
Volume (mln.tenge), of which; |
72 827 298,78 |
12 033 661,47 |
|
local systems |
56 196 641,86 |
2 833 619,98 |
|
international systems, of which: |
16 630 656,92 |
9 200 041,49 |
|
Visa International |
13 097 465,94 |
7 497 819,39 |
|
MasterCard Worldwide |
3 367 389,89 |
1 460 481,08 |
|
2025 |
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|
Number of transactions (thousand) of which; |
6 730 088,71 |
116 984,42 |
|
local systems |
5 598 038,58 |
40 657,92 |
|
international systems, of which: |
1 132 050,13 |
76 326,50 |
|
Visa International |
950 290,54 |
63 102,87 |
|
MasterCard Worldwide |
171 212,71 |
10 291,08 |
|
Volume (mln.tenge), of which; |
87 595 956,36 |
13 145 341,33 |
|
local systems |
66 837 256,06 |
3 551 915,78 |
|
international systems, of which: |
20 758 700,29 |
9 593 425,55 |
|
Visa International |
15 928 796,16 |
7 899 880,98 |
|
MasterCard Worldwide |
4 610 506,85 |
1 433 913,10 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-June 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 577 643,7 |
86 572 053,6 |
114 532,9 |
12 926 534,7 |
|
Akmola region |
126 834,69 |
1 276 252,55 |
3 459,05 |
290 038,52 |
|
Aktobe region |
237 299,01 |
2 271 678,75 |
5 517,72 |
472 922,24 |
|
Almaty region |
234 286,49 |
2 710 710,60 |
2 183,40 |
253 307,21 |
|
Atyrau region |
207 160,96 |
2 163 474,07 |
3 757,85 |
382 574,27 |
|
East Kazakhstan reg. |
136 283,46 |
1 330 221,11 |
4 392,23 |
390 926,01 |
|
Jambul region |
235 783,83 |
2 296 363,71 |
6 122,03 |
525 569,61 |
|
West Kazakhstan reg. |
160 032,90 |
1 525 614,87 |
3 661,96 |
307 155,28 |
|
Karaganda region |
249 484,90 |
2 717 314,33 |
8 066,49 |
698 655,72 |
|
Kostanai region |
148 445,65 |
1 411 743,60 |
4 623,91 |
413 115,36 |
|
Kyzylorda region |
174 923,92 |
1 654 131,57 |
4 049,75 |
351 023,67 |
|
Mangistau region |
209 467,30 |
2 173 960,31 |
4 070,48 |
466 315,65 |
|
Pavlodar region |
160 392,27 |
1 491 812,90 |
5 286,68 |
439 647,79 |
|
North Kazakhstan reg. |
70 102,40 |
611 753,01 |
2 859,19 |
232 657,00 |
|
Turkestan reg. |
282 980,22 |
2 749 304,97 |
3 223,48 |
312 216,04 |
|
Almaty city |
2 542 154,33 |
44 076 334,14 |
24 348,06 |
4 271 707,37 |
|
Astana city |
655 381,01 |
7 840 793,83 |
10 490,45 |
1 320 578,11 |
|
Shimkent city |
421 024,92 |
5 321 384,05 |
9 601,15 |
1 087 316,82 |
|
Jetysu reg. |
162 822,34 |
1 490 199,97 |
3 754,49 |
293 298,97 |
|
Abay reg. |
117 076,68 |
1 003 503,41 |
3 676,56 |
281 955,17 |
|
Ulytau reg. |
45 706,48 |
455 501,81 |
1 387,94 |
135 553,86 |
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-June 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 577 762,4 |
86 573 475,2 |
114 532,9 |
12 926 537,0 |
|
POS - terminal |
1 296 517,2 |
8 304 464,7 |
1 483,2 |
1 683 230,7 |
|
ATM |
211,7 |
29 568,6 |
112 698,5 |
11 093 644,9 |
|
Internet and mobile phone |
3 474 421,0 |
69 360 182,2 |
- |
- |
|
Payment terminals |
227,5 |
14 617,3 |
351,2 |
149 661,4 |
|
QR-code |
1 806 385,0 |
8 864 642,4 |
- |
- |
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-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
101 535,9 |
1 545 562,4 |
2 764,2 |
206 599,2 |
|
POS - terminal |
31 629,4 |
662 237,6 |
17,5 |
6 555,2 |
|
ATM |
47,5 |
2 387,3 |
2 744,0 |
198 180,0 |
|
Internet and mobile phone |
68 537,5 |
823 737,5 |
- |
- |
|
others |
1 321,5 |
57 200,0 |
2,7 |
1 864,0 |
|
2025 |
||||
|
Total, incl. |
128 985,2 |
2 153 235,1 |
2 679,1 |
218 638,4 |
|
POS - terminal |
37 774,1 |
861 115,8 |
18,8 |
6 368,1 |
|
ATM |
81,5 |
3 682,9 |
2 656,5 |
210 403,3 |
|
Internet and mobile phone |
88 590,6 |
1 185 294,5 |
- |
- |
|
others |
2 539,0 |
103 141,9 |
3,8 |
1 867,0 |
[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.
