Version ¹263 от 28/08/2025
As of August 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 August 01, 2025, 81.9 million payment cards are in circulation. The most common are debit cards, their share is 80.8%, the share of credit cards is 15.6%. Debit cards with a credit limit and prepaid cards account for 3.7%.
In July 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 18.7 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 6.3% and reached up to 1.2 bln transactions, the volume increased by 10.3%, reaching 16.2 trillion tenge. The holders of payment cards carried out 20.2 million cash withdrawal operations in the amount of 2.5 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to July 2024 by 1.3%. At the same time, the volume of cash withdrawal operations increased by 9.5%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.4% of the total number of transactions and 90.1% of the total volume of non-cash payments and money transfers) and POS terminals (19.6% 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 84.3% 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 |
01.08.2024 |
01.08.2025 |
|
Total number of cards in circulation (thousand), of which: |
78 063,0 |
81 721,1 |
|
local systems |
78 531,3 |
81 928,5 |
|
international systems, of which: |
25 924,7 |
27 446,2 |
|
Visa International, of which: |
52 606,6 |
54 482,3 |
|
debit |
39 030,8 |
38 370,8 |
|
credit |
35 263,7 |
35 355,9 |
|
Debit cards with credit limit and prepaid |
659,1 |
647,9 |
|
MasterCard Worldwide, of which: |
3 107,9 |
2 367,0 |
|
debit |
12 226,9 |
15 111,5 |
|
credit |
11 903,8 |
14 428,1 |
|
Debit cards with credit limit and prepaid |
143,4 |
107,3 |
|
Number of used cards (thousand), of which: |
179,7 |
576,1 |
|
local systems |
39 265,1 |
40 408,5 |
|
international systems, of which: |
16 277,3 |
16 929,3 |
|
Visa International, of which: |
22 987,7 |
23 479,3 |
|
debit |
19 265,7 |
19 969,7 |
|
credit |
18 601,9 |
19 390,7 |
|
ADebit cards with credit limit and prepaid |
240,1 |
263,8 |
|
MasterCard Worldwide, of which: |
423,7 |
315,1 |
|
debit |
3 251,5 |
3 058,1 |
|
credit |
3 186,8 |
3 016,0 |
|
Debit cards with credit limit and prepaid |
40,4 |
28,2 |
|
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 01.08.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
66 163,7 |
12 750,0 |
3 014,7 |
35 742,1 |
4 313,3 |
353,1 |
|
Akmola region |
1 870,9 |
435,8 |
128,3 |
1 120,2 |
143,5 |
16,7 |
|
Aktobe region |
2 713,2 |
647,0 |
209,5 |
1 529,7 |
224,4 |
18,0 |
|
Almaty region |
3 170,3 |
1 109,7 |
251,1 |
2 185,0 |
386,7 |
32,3 |
|
Atyrau region |
2 264,4 |
492,9 |
125,2 |
1 257,7 |
176,7 |
11,2 |
|
East Kazakhstan reg. |
2 109,1 |
471,8 |
197,7 |
1 178,6 |
151,1 |
22,8 |
|
Jambul region |
2 947,8 |
679,1 |
183,1 |
1 661,4 |
218,8 |
14,1 |
|
West Kazakhstan reg. |
1 947,9 |
485,1 |
100,5 |
1 139,7 |
164,0 |
12,4 |
|
Karaganda region |
3 572,7 |
757,5 |
204,1 |
2 021,8 |
253,4 |
24,6 |
|
Kostanai region |
2 379,5 |
492,0 |
122,3 |
1 326,4 |
162,6 |
18,7 |
|
Kyzylorda region |
2 305,7 |
546,7 |
151,0 |
1 224,9 |
180,1 |
10,8 |
|
Mangistau region |
2 371,0 |
536,4 |
100,0 |
1 334,0 |
199,1 |
10,1 |
|
Pavlodar region |
2 265,7 |
484,6 |
127,3 |
1 289,3 |
161,3 |
18,5 |
|
North Kazakhstan reg. |
1 457,0 |
279,9 |
65,4 |
814,2 |
84,5 |
10,4 |
|
Turkestan reg. |
3 690,9 |
1 202,1 |
223,9 |
2 449,4 |
354,2 |
19,7 |
|
Almaty city |
17 375,8 |
1 432,1 |
392,0 |
8 075,3 |
494,8 |
53,0 |
|
Shymkent city |
3 832,6 |
745,6 |
79,7 |
1 862,9 |
256,7 |
8,7 |
|
Astana city |
5 525,5 |
1 039,9 |
287,4 |
2 822,5 |
404,5 |
43,5 |
|
Jetysu reg. |
1 979,2 |
387,1 |
24,7 |
1 091,0 |
123,2 |
2,7 |
|
Abay reg. |
1 804,8 |
373,7 |
31,8 |
987,6 |
122,4 |
3,3 |
|
Ulytau reg. |
579,7 |
150,9 |
9,9 |
370,5 |
51,3 |
1,5 |
|
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-July |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
7 100 977,75 |
142 353,14 |
|
local systems |
5 933 669,22 |
43 116,34 |
|
international systems, of which: |
1 167 308,53 |
99 236,80 |
|
Visa International |
1 018 470,47 |
83 027,33 |
|
MasterCard Worldwide |
140 439,65 |
12 839,62 |
|
Volume (mln.tenge), of which; |
87 555 118,13 |
14 288 586,99 |
|
local systems |
67 715 441,96 |
3 378 884,56 |
|
international systems, of which: |
19 839 676,17 |
10 909 702,43 |
|
Visa International |
15 586 784,63 |
8 885 461,72 |
|
MasterCard Worldwide |
4 056 831,18 |
1 741 002,63 |
|
2025 |
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|
Number of transactions (thousand) of which; |
7 934 864,44 |
137 190,52 |
|
local systems |
6 602 363,90 |
47 876,59 |
|
international systems, of which: |
1 332 500,54 |
89 313,94 |
|
Visa International |
1 117 849,03 |
73 955,72 |
|
MasterCard Worldwide |
202 343,55 |
11 980,36 |
|
Volume (mln.tenge), of which; |
103 838 369,35 |
15 615 190,05 |
|
local systems |
79 265 945,21 |
4 230 671,12 |
|
international systems, of which: |
24 572 424,15 |
11 384 518,94 |
|
Visa International |
18 876 334,22 |
9 401 162,79 |
|
MasterCard Worldwide |
5 440 027,72 |
1 683 309,57 |
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-July 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
7 767 649,1 |
102 719 703,2 |
134 473,0 |
15 366 569,5 |
|
Akmola region |
150 670,35 |
1 520 914,83 |
4 083,49 |
347 475,64 |
|
Aktobe region |
280 250,37 |
2 694 724,14 |
6 497,76 |
562 500,82 |
|
Almaty region |
278 123,95 |
3 225 389,49 |
2 566,13 |
300 015,67 |
|
Atyrau region |
243 800,52 |
2 553 903,07 |
4 395,21 |
450 843,35 |
|
East Kazakhstan reg. |
159 585,42 |
1 573 732,14 |
5 160,18 |
462 979,36 |
|
Jambul region |
278 660,91 |
2 728 995,49 |
7 162,82 |
620 195,80 |
|
West Kazakhstan reg. |
189 092,15 |
1 807 489,20 |
4 303,52 |
363 347,45 |
|
Karaganda region |
295 076,85 |
3 222 741,25 |
9 489,53 |
826 958,26 |
|
Kostanai region |
175 265,68 |
1 672 177,25 |
5 450,57 |
491 627,63 |
|
Kyzylorda region |
205 948,90 |
1 961 097,65 |
4 702,11 |
412 256,90 |
|
Mangistau region |
247 343,15 |
2 565 837,60 |
4 747,44 |
548 213,70 |
|
Pavlodar region |
189 469,29 |
1 764 823,08 |
6 204,30 |
519 528,34 |
|
North Kazakhstan reg. |
82 883,53 |
725 921,39 |
3 372,64 |
276 910,88 |
|
Turkestan reg. |
335 410,25 |
3 307 995,31 |
3 727,49 |
361 806,74 |
|
Almaty city |
2 998 472,41 |
52 242 229,62 |
28 669,36 |
5 124 162,12 |
|
Astana city |
775 290,18 |
9 299 369,57 |
12 377,91 |
1 569 772,52 |
|
Shimkent city |
497 503,35 |
6 327 930,87 |
11 210,53 |
1 285 415,76 |
|
Jetysu reg. |
192 725,70 |
1 785 313,66 |
4 406,06 |
348 813,47 |
|
Abay reg. |
138 029,33 |
1 194 591,42 |
4 320,35 |
334 831,59 |
|
Ulytau reg. |
54 046,83 |
544 526,18 |
1 625,58 |
158 913,44 |
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-July 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
7 767 767,5 |
102 720 093,8 |
134 473,2 |
15 367 602,8 |
|
POS - terminal |
1 531 864,8 |
9 798 567,0 |
1 730,9 |
2 034 782,7 |
|
ATM |
250,3 |
34 598,9 |
132 324,5 |
13 154 641,8 |
|
Internet and mobile phone |
4 090 365,8 |
82 312 097,3 |
- |
- |
|
Payment terminals |
261,0 |
16 653,2 |
417,9 |
178 178,3 |
|
QR-code |
2 145 025,7 |
10 558 177,4 |
- |
- |
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-July |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
121 421,0 |
1 866 802,2 |
3 244,4 |
243 062,8 |
|
POS - terminal |
37 896,3 |
801 264,9 |
21,2 |
7 754,9 |
|
ATM |
59,9 |
3 008,9 |
3 220,2 |
233 195,7 |
|
Internet and mobile phone |
81 859,5 |
993 446,4 |
- |
- |
|
others |
1 605,2 |
69 082,0 |
3,1 |
2 112,3 |
|
2025 |
||||
|
Total, incl. |
151 159,2 |
2 548 200,4 |
3 086,8 |
253 523,5 |
|
POS - terminal |
44 576,0 |
1 025 311,0 |
22,2 |
7 568,7 |
|
ATM |
99,7 |
4 548,9 |
3 060,3 |
243 793,0 |
|
Internet and mobile phone |
103 524,7 |
1 398 018,1 |
- |
- |
|
others |
2 958,8 |
120 322,3 |
4,3 |
2 161,7 |
[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.
