Version ¹265 от 31/10/2025
As of October 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 October 01, 2025, 83.0 million payment cards are in circulation. The most common are debit cards, their share is 80.9%, the share of credit cards is 15.4%. Debit cards with a credit limit and prepaid cards account for 3.7%.
In October 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 18.1 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 5.8% and reached up to 1.2 bln transactions, the volume increased by 7.6%, reaching 15.8 trillion tenge. The holders of payment cards carried out 19.3 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 September 2024 by 0.4%. At the same time, the volume of cash withdrawal operations increased by 8.2%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (80.0% of the total number of transactions and 90.1% of the total volume of non-cash payments and money transfers) and POS terminals (19.9% 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 86.2% 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 |
01.10.2024 |
01.10.2025 |
|
Total number of cards in circulation (thousand), of which: |
79 851,1 |
82 997,8 |
|
local systems |
26 291,8 |
27 706,4 |
|
international systems, of which: |
53 559,3 |
55 291,5 |
|
Visa International, of which: |
39 728,8 |
39 487,7 |
|
debit |
35 883,8 |
36 417,7 |
|
credit |
655,8 |
646,4 |
|
Debit cards with credit limit and prepaid |
3 189,1 |
2 423,5 |
|
MasterCard Worldwide, of which: |
12 487,2 |
14 795,3 |
|
debit |
12 192,4 |
14 135,0 |
|
credit |
139,1 |
105,4 |
|
Debit cards with credit limit and prepaid |
155,7 |
554,8 |
|
Number of used cards (thousand), of which: |
39 833,8 |
41 429,8 |
|
local systems |
16 555,7 |
17 171,2 |
|
international systems, of which: |
23 278,0 |
24 258,6 |
|
Visa International, of which: |
19 530,3 |
20 421,0 |
|
debit |
18 856,5 |
19 844,2 |
|
credit |
227,8 |
248,3 |
|
ADebit cards with credit limit and prepaid |
446,0 |
328,5 |
|
MasterCard Worldwide, of which: |
3 276,5 |
3 401,0 |
|
debit |
3 211,4 |
3 277,6 |
|
credit |
40,0 |
29,0 |
|
Debit cards with credit limit and prepaid |
25,1 |
94,4 |
|
Quarterly specifications |
01.10.2024 |
01.10.2025 |
|
Number of POS - terminals (units), of which: |
1 297 601 |
1 389 944 |
|
commercial enterprises |
1 290 481 |
1 382 450 |
|
banks |
7 120 |
7 494 |
|
Number of ATM (units) , of which: |
12 703 |
12 841 |
|
with cash distribution function |
4 303 |
3 282 |
|
with cash reception and distribution functions |
8 400 |
9 559 |
|
Number of commercial enterprises (units) |
967 590 |
934 020 |
|
Number of users of online bank service(thousand units) |
24 750,0 |
27 517,7 |
|
Table 2 |
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|
Specifications |
As of 01.10.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
67 149,4 |
12 803,5 |
3 044,9 |
36 619,3 |
4 366,6 |
443,9 |
|
Akmola region |
1 933,8 |
438,4 |
134,0 |
1 143,4 |
146,9 |
21,7 |
|
Aktobe region |
2 792,0 |
648,6 |
203,1 |
1 566,7 |
226,9 |
27,0 |
|
Almaty region |
3 247,7 |
1 115,5 |
254,6 |
2 223,7 |
388,9 |
33,9 |
|
Atyrau region |
2 325,3 |
494,0 |
128,8 |
1 292,9 |
176,7 |
15,1 |
|
East Kazakhstan reg. |
2 109,5 |
473,9 |
197,6 |
1 185,2 |
156,4 |
26,8 |
|
Jambul region |
3 045,9 |
682,5 |
186,1 |
1 693,2 |
221,2 |
18,0 |
|
West Kazakhstan reg. |
1 969,5 |
486,9 |
102,4 |
1 145,4 |
164,9 |
12,9 |
|
Karaganda region |
3 652,4 |
760,4 |
202,7 |
2 055,6 |
259,4 |
32,1 |
|
Kostanai region |
2 429,4 |
496,4 |
125,7 |
1 351,5 |
165,5 |
21,4 |
|
Kyzylorda region |
2 381,8 |
547,9 |
152,5 |
1 259,4 |
183,0 |
14,2 |
|
Mangistau region |
2 433,7 |
538,5 |
103,2 |
1 367,1 |
200,8 |
13,5 |
|
Pavlodar region |
2 361,2 |
487,0 |
128,9 |
1 324,6 |
164,3 |
21,7 |
|
North Kazakhstan reg. |
1 496,3 |
282,3 |
67,3 |
826,1 |
85,8 |
11,3 |
|
Turkestan reg. |
3 783,8 |
1 209,5 |
232,3 |
2 493,2 |
358,7 |
20,9 |
|
Almaty city |
17 142,2 |
1 431,1 |
389,3 |
8 378,9 |
495,0 |
76,6 |
|
Shymkent city |
3 890,2 |
749,9 |
81,9 |
1 880,3 |
257,6 |
9,1 |
|
Astana city |
5 678,5 |
1 043,6 |
284,5 |
2 945,7 |
409,6 |
58,1 |
|
Jetysu reg. |
2 034,7 |
389,7 |
26,3 |
1 109,6 |
125,5 |
2,8 |
|
Abay reg. |
1 857,7 |
375,7 |
33,6 |
1 006,1 |
126,3 |
5,2 |
|
Ulytau reg. |
583,7 |
151,5 |
10,3 |
370,6 |
53,2 |
1,4 |
|
Table 3 |
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|
Specifications |
As of 01.10.2025 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 389 944 |
12 841 |
934 020 |
1 174 904 |
|
Akmola region |
53 335 |
410 |
33 724 |
44 632 |
|
Aktobe region |
62 519 |
655 |
43 879 |
53 917 |
|
Almaty region |
66 807 |
299 |
58 235 |
60 869 |
|
Atyrau region |
51 232 |
603 |
34 823 |
45 276 |
|
East Kazakhstan reg. |
48 899 |
604 |
32 547 |
41 292 |
|
Jambul region |
58 318 |
580 |
42 313 |
49 905 |
|
West Kazakhstan reg. |
43 037 |
463 |
30 235 |
37 256 |
|
Karaganda region |
82 047 |
942 |
54 136 |
66 386 |
|
Kostanai region |
59 344 |
520 |
38 169 |
51 104 |
|
Kyzylorda region |
39 201 |
414 |
28 235 |
32 223 |
|
Mangistau region |
49 524 |
608 |
35 767 |
42 933 |
|
Pavlodar region |
56 546 |
612 |
33 627 |
46 572 |
|
North Kazakhstan reg. |
30 637 |
364 |
18 747 |
25 441 |
|
Turkestan reg. |
51 588 |
411 |
46 039 |
49 124 |
|
Almaty city |
312 650 |
2 234 |
179 361 |
263 230 |
|
Shimkent city |
79 616 |
769 |
55 585 |
63 869 |
|
Astana city |
175 668 |
1 435 |
115 785 |
139 885 |
|
Jetysu reg. |
25 963 |
328 |
20 974 |
23 062 |
|
Abay reg. |
31 603 |
380 |
23 194 |
27 088 |
|
Ulytau reg. |
11 410 |
210 |
8 645 |
10 840 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-September |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
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|
Number of transactions (thousand) of which; |
9 392 572,87 |
182 437,97 |
|
local systems |
7 870 071,35 |
56 022,95 |
|
international systems, of which: |
1 522 501,51 |
126 415,02 |
|
Visa International |
1 326 160,93 |
105 589,66 |
|
MasterCard Worldwide |
185 210,82 |
16 492,80 |
|
Volume (mln.tenge), of which; |
117 646 215,35 |
18 700 081,85 |
|
local systems |
91 425 626,95 |
4 489 952,22 |
|
international systems, of which: |
26 220 588,41 |
14 210 129,63 |
|
Visa International |
20 575 468,26 |
11 602 850,22 |
|
MasterCard Worldwide |
5 387 856,89 |
2 242 094,93 |
|
2025 |
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|
Number of transactions (thousand) of which; |
10 361 859,24 |
177 031,30 |
|
local systems |
8 634 173,98 |
62 754,88 |
|
international systems, of which: |
1 727 685,27 |
114 276,42 |
|
Visa International |
1 447 752,52 |
94 901,78 |
|
MasterCard Worldwide |
264 126,30 |
15 133,46 |
|
Volume (mln.tenge), of which; |
136 518 313,80 |
20 438 073,14 |
|
local systems |
104 394 570,86 |
5 629 292,08 |
|
international systems, of which: |
32 123 742,94 |
14 808 781,05 |
|
Visa International |
24 705 218,28 |
12 291 766,21 |
|
MasterCard Worldwide |
7 089 308,09 |
2 137 900,41 |
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-September 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 165 946,0 |
135 238 658,8 |
173 873,5 |
20 135 337,7 |
|
Akmola region |
197 425,60 |
2 004 069,66 |
5 258,95 |
454 265,55 |
|
Aktobe region |
367 248,33 |
3 547 746,48 |
8 427,76 |
738 011,83 |
|
Almaty region |
366 478,08 |
4 274 346,66 |
3 312,93 |
390 939,15 |
|
Atyrau region |
318 835,21 |
3 343 945,88 |
5 691,40 |
583 503,77 |
|
East Kazakhstan reg. |
205 650,00 |
2 061 501,93 |
6 636,46 |
601 122,99 |
|
Jambul region |
365 520,10 |
3 614 821,34 |
9 240,00 |
805 785,86 |
|
West Kazakhstan reg. |
247 960,03 |
2 378 241,19 |
5 573,95 |
472 622,74 |
|
Karaganda region |
384 384,96 |
4 229 905,66 |
12 229,41 |
1 073 133,33 |
|
Kostanai region |
229 075,99 |
2 193 471,86 |
7 031,52 |
642 513,02 |
|
Kyzylorda region |
270 325,88 |
2 583 897,28 |
6 035,24 |
533 006,69 |
|
Mangistau region |
324 032,81 |
3 354 873,68 |
6 132,01 |
708 795,46 |
|
Pavlodar region |
246 966,90 |
2 318 415,55 |
8 006,63 |
675 555,70 |
|
North Kazakhstan reg. |
108 410,73 |
952 982,94 |
4 344,04 |
360 260,25 |
|
Turkestan reg. |
443 457,00 |
4 413 610,81 |
4 760,11 |
462 219,21 |
|
Almaty city |
3 914 289,20 |
68 671 310,36 |
37 275,84 |
6 803 859,06 |
|
Astana city |
1 015 590,70 |
12 233 528,08 |
16 113,58 |
2 060 450,82 |
|
Shimkent city |
653 499,36 |
8 365 577,83 |
14 477,56 |
1 672 134,42 |
|
Jetysu reg. |
255 488,10 |
2 391 512,05 |
5 677,83 |
456 819,73 |
|
Abay reg. |
180 638,82 |
1 582 625,60 |
5 558,47 |
437 114,71 |
|
Ulytau reg. |
70 668,25 |
722 274,01 |
2 089,86 |
203 223,38 |
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-September 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 166 064,0 |
135 237 150,8 |
173 874,3 |
20 138 269,7 |
|
POS - terminal |
2 017 104,7 |
12 925 237,0 |
2 203,8 |
2 674 381,5 |
|
ATM |
323,3 |
44 503,2 |
171 136,7 |
17 235 019,3 |
|
Internet and mobile phone |
5 328 647,4 |
108 267 346,1 |
- |
- |
|
Payment terminals |
319,7 |
20 409,9 |
533,8 |
228 868,9 |
|
QR-code |
2 819 669,1 |
13 979 654,6 |
- |
- |
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-September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
162 293,5 |
2 522 597,6 |
4 209,5 |
318 012,3 |
|
POS - terminal |
49 562,0 |
1 067 372,3 |
27,2 |
10 206,6 |
|
ATM |
83,3 |
3 971,5 |
4 178,5 |
305 109,0 |
|
Internet and mobile phone |
110 440,3 |
1 357 350,7 |
- |
- |
|
others |
2 207,9 |
93 903,1 |
3,8 |
2 696,7 |
|
2025 |
||||
|
Total, incl. |
196 090,5 |
3 330 712,0 |
3 858,2 |
323 528,5 |
|
POS - terminal |
56 941,3 |
1 328 945,1 |
28,4 |
9 733,3 |
|
ATM |
139,7 |
6 546,3 |
3 824,6 |
310 928,0 |
|
Internet and mobile phone |
135 223,6 |
1 840 725,4 |
- |
- |
|
others |
3 786,0 |
154 495,2 |
5,2 |
2 867,1 |
[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.
