Version ¹264 от 30/09/2025
As of September 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 September 01, 2025, 82.3 million payment cards are in circulation. The most common are debit cards, their share is 80.8%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 3.7%.
In August 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 19.4 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 6.0% and reached up to 1.2 bln transactions, the volume increased by 9.5%, reaching 16.7 trillion tenge. The holders of payment cards carried out 20.6 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 August 2024 by 0.8%. At the same time, the volume of cash withdrawal operations increased by 10.4%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.1% of the total number of transactions and 89.8% of the total volume of non-cash payments and money transfers) and POS terminals (19.8% and 9.8% 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 84.6% 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 |
01.09.2024 |
01.09.2025 |
|
Total number of cards in circulation (thousand), of which: |
79 037,8 |
82 323,5 |
|
local systems |
26 103,6 |
27 564,5 |
|
international systems, of which: |
52 934,2 |
54 759,0 |
|
Visa International, of which: |
39 336,8 |
38 816,4 |
|
debit |
35 519,8 |
35 757,9 |
|
credit |
655,2 |
649,3 |
|
Debit cards with credit limit and prepaid |
3 161,9 |
2 409,1 |
|
MasterCard Worldwide, of which: |
12 253,7 |
14 938,8 |
|
debit |
11 943,9 |
14 269,9 |
|
credit |
141,1 |
106,0 |
|
Debit cards with credit limit and prepaid |
168,6 |
563,0 |
|
Number of used cards (thousand), of which: |
39 634,3 |
41 261,4 |
|
local systems |
16 507,4 |
17 104,8 |
|
international systems, of which: |
23 126,8 |
24 156,7 |
|
Visa International, of which: |
19 407,9 |
20 322,5 |
|
debit |
18 744,4 |
19 739,5 |
|
credit |
235,6 |
257,1 |
|
ADebit cards with credit limit and prepaid |
427,8 |
325,8 |
|
MasterCard Worldwide, of which: |
3 243,2 |
3 384,0 |
|
debit |
3 176,8 |
3 261,6 |
|
credit |
41,1 |
29,6 |
|
Debit cards with credit limit and prepaid |
25,3 |
92,8 |
|
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 01.09.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
66 503,6 |
12 780,3 |
3 039,6 |
36 396,8 |
4 423,9 |
440,8 |
|
Akmola region |
1 892,0 |
437,5 |
131,5 |
1 131,7 |
150,0 |
21,2 |
|
Aktobe region |
2 740,8 |
647,9 |
206,2 |
1 557,1 |
231,3 |
27,1 |
|
Almaty region |
3 208,9 |
1 112,9 |
253,4 |
2 212,0 |
393,4 |
33,6 |
|
Atyrau region |
2 290,3 |
493,5 |
127,3 |
1 284,5 |
179,7 |
14,9 |
|
East Kazakhstan reg. |
2 129,7 |
473,0 |
198,0 |
1 191,1 |
157,6 |
26,5 |
|
Jambul region |
2 986,1 |
681,2 |
186,6 |
1 688,6 |
224,4 |
17,8 |
|
West Kazakhstan reg. |
1 958,1 |
486,2 |
102,3 |
1 146,5 |
168,4 |
12,8 |
|
Karaganda region |
3 605,6 |
759,4 |
203,8 |
2 046,9 |
263,2 |
31,8 |
|
Kostanai region |
2 385,4 |
495,0 |
124,4 |
1 344,8 |
169,1 |
21,5 |
|
Kyzylorda region |
2 333,7 |
547,4 |
152,1 |
1 253,7 |
185,8 |
14,1 |
|
Mangistau region |
2 400,8 |
537,8 |
101,9 |
1 361,6 |
200,4 |
13,0 |
|
Pavlodar region |
2 284,0 |
486,2 |
128,1 |
1 306,8 |
167,8 |
21,7 |
|
North Kazakhstan reg. |
1 470,1 |
281,3 |
66,3 |
824,9 |
87,9 |
11,2 |
|
Turkestan reg. |
3 734,1 |
1 205,9 |
229,3 |
2 484,1 |
365,8 |
20,6 |
|
Almaty city |
17 214,7 |
1 430,6 |
390,8 |
8 280,3 |
498,9 |
76,2 |
|
Shymkent city |
3 859,8 |
747,8 |
81,6 |
1 872,4 |
259,8 |
9,1 |
|
Astana city |
5 594,4 |
1 042,0 |
287,5 |
2 928,8 |
413,4 |
58,6 |
|
Jetysu reg. |
2 002,8 |
388,6 |
25,6 |
1 106,8 |
126,6 |
2,8 |
|
Abay reg. |
1 828,9 |
375,0 |
32,8 |
1 002,6 |
127,3 |
5,2 |
|
Ulytau reg. |
583,3 |
151,2 |
10,2 |
371,5 |
53,2 |
1,4 |
|
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-August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
8 255 566,59 |
163 093,48 |
|
local systems |
6 908 777,38 |
49 757,10 |
|
international systems, of which: |
1 346 789,21 |
113 336,38 |
|
Visa International |
1 174 055,98 |
94 745,65 |
|
MasterCard Worldwide |
162 958,97 |
14 734,28 |
|
Volume (mln.tenge), of which; |
102 954 335,77 |
16 552 731,27 |
|
local systems |
79 894 526,22 |
3 946 528,93 |
|
international systems, of which: |
23 059 809,54 |
12 606 202,34 |
|
Visa International |
18 100 631,91 |
10 281 696,71 |
|
MasterCard Worldwide |
4 731 686,84 |
1 999 843,41 |
|
2025 |
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|
Number of transactions (thousand) of which; |
9 159 187,37 |
157 754,67 |
|
local systems |
7 626 032,57 |
55 423,52 |
|
international systems, of which: |
1 533 154,80 |
102 331,15 |
|
Visa International |
1 285 565,01 |
84 883,45 |
|
MasterCard Worldwide |
233 488,10 |
13 628,13 |
|
Volume (mln.tenge), of which; |
120 707 814,91 |
18 114 654,71 |
|
local systems |
92 282 991,21 |
4 939 551,46 |
|
international systems, of which: |
28 424 823,70 |
13 175 103,24 |
|
Visa International |
21 859 102,48 |
10 911 423,37 |
|
MasterCard Worldwide |
6 272 197,53 |
1 923 301,03 |
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-August 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 976 597,1 |
119 500 025,6 |
154 808,6 |
17 838 436,3 |
|
Akmola region |
174 248,94 |
1 771 612,22 |
4 689,29 |
402 603,26 |
|
Aktobe region |
324 148,42 |
3 138 825,38 |
7 508,09 |
653 768,23 |
|
Almaty region |
322 791,77 |
3 770 939,61 |
2 955,36 |
347 090,15 |
|
Atyrau region |
281 555,25 |
2 962 714,87 |
5 067,28 |
519 292,38 |
|
East Kazakhstan reg. |
182 669,35 |
1 824 237,29 |
5 917,96 |
534 492,17 |
|
Jambul region |
322 378,07 |
3 189 717,93 |
8 247,77 |
717 515,89 |
|
West Kazakhstan reg. |
218 892,14 |
2 102 244,99 |
4 960,46 |
420 005,50 |
|
Karaganda region |
340 200,73 |
3 744 084,98 |
10 891,78 |
953 210,88 |
|
Kostanai region |
202 481,59 |
1 941 566,82 |
6 266,20 |
569 467,41 |
|
Kyzylorda region |
238 156,72 |
2 286 469,12 |
5 398,39 |
475 279,31 |
|
Mangistau region |
286 248,08 |
2 976 507,23 |
5 461,37 |
630 938,18 |
|
Pavlodar region |
218 442,87 |
2 050 159,65 |
7 133,36 |
600 465,01 |
|
North Kazakhstan reg. |
95 714,47 |
843 488,76 |
3 875,38 |
320 281,53 |
|
Turkestan reg. |
389 184,26 |
3 889 512,98 |
4 265,38 |
413 695,80 |
|
Almaty city |
3 461 381,19 |
60 672 032,60 |
33 085,90 |
5 997 722,87 |
|
Astana city |
896 653,05 |
10 814 483,15 |
14 281,77 |
1 821 361,87 |
|
Shimkent city |
576 236,46 |
7 385 895,44 |
12 909,42 |
1 485 932,67 |
|
Jetysu reg. |
223 607,34 |
2 103 614,21 |
5 068,81 |
405 753,91 |
|
Abay reg. |
159 159,10 |
1 395 680,32 |
4 959,62 |
387 870,63 |
|
Ulytau reg. |
62 447,30 |
636 238,07 |
1 864,98 |
181 688,68 |
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 |
||||
|
Specifications |
January-August 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
8 976 715,3 |
119 499 517,2 |
154 809,1 |
17 840 368,7 |
|
POS - terminal |
1 775 486,8 |
11 420 401,0 |
1 975,2 |
2 386 501,3 |
|
ATM |
288,9 |
39 715,9 |
152 356,1 |
15 249 811,0 |
|
Internet and mobile phone |
4 717 355,1 |
95 688 804,5 |
- |
- |
|
Payment terminals |
290,3 |
18 550,8 |
477,8 |
204 056,4 |
|
QR-code |
2 483 294,2 |
12 332 044,9 |
- |
- |
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-August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
142 003,2 |
2 198 625,2 |
3 721,1 |
279 898,4 |
|
POS - terminal |
43 756,3 |
941 239,4 |
24,3 |
8 954,0 |
|
ATM |
72,7 |
3 575,8 |
3 693,3 |
268 477,4 |
|
Internet and mobile phone |
96 276,9 |
1 171 932,6 |
- |
- |
|
others |
1 897,3 |
81 877,3 |
3,5 |
2 467,0 |
|
2025 |
||||
|
Total, incl. |
173 825,6 |
2 946 719,2 |
3 476,3 |
288 055,8 |
|
POS - terminal |
50 814,7 |
1 185 907,2 |
25,6 |
8 754,2 |
|
ATM |
119,1 |
5 572,9 |
3 445,8 |
276 781,7 |
|
Internet and mobile phone |
119 527,3 |
1 616 506,2 |
- |
- |
|
others |
3 364,4 |
138 732,9 |
4,8 |
2 520,0 |
[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.
