Version ¹266 от 28/11/2025
As of November 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, and others, as well as payment cards of the local system Kaspi.kz.
As of November 01, 2025, 84.2 million payment cards are in circulation. The most common are debit cards, their share is 81.1%, the share of credit cards is 15.8%. Debit cards with a credit limit and prepaid cards account for 3.1%.
In October 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 19.0 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 5.1% and reached up to 1.2 bln transactions, the volume increased by 6.4%, reaching 16.6 trillion tenge. The holders of payment cards carried out 20.3 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 October 2024 by 0.2%. At the same time, the volume of cash withdrawal operations increased by 4.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.9% of the total number of transactions and 90.2% of the total volume of non-cash payments and money transfers) and POS terminals (20.0% and 9.5% 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 88.8% 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 |
01.11.2024 |
01.11.2025 |
|
Total number of cards in circulation (thousand), of which: |
80 626,7 |
84 189,3 |
|
local systems |
26 456,0 |
27 825,9 |
|
international systems, of which: |
54 170,7 |
56 363,4 |
|
Visa International, of which: |
40 032,2 |
40 332,6 |
|
debit |
36 153,1 |
37 320,2 |
|
credit |
654,1 |
638,7 |
|
Debit cards with credit limit and prepaid |
3 225,0 |
2 373,7 |
|
MasterCard Worldwide, of which: |
12 796,8 |
15 020,8 |
|
debit |
12 509,8 |
14 282,7 |
|
credit |
137,0 |
595,0 |
|
Debit cards with credit limit and prepaid |
150,0 |
143,1 |
|
UnionPay International, of which: |
1 232,3 |
859,6 |
|
debit |
1 232,3 |
859,6 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,01 |
0,00 |
|
Number of used cards (thousand), of which: |
40 545,3 |
41 850,3 |
|
local systems |
16 773,4 |
17 281,3 |
|
international systems, of which: |
23 771,9 |
24 569,0 |
|
Visa International, of which: |
19 879,3 |
20 746,1 |
|
debit |
19 206,9 |
20 177,9 |
|
credit |
223,9 |
239,2 |
|
Debit cards with credit limit and prepaid |
448,5 |
329,0 |
|
MasterCard Worldwide, of which: |
3 413,5 |
3 393,3 |
|
debit |
3 351,3 |
3 259,0 |
|
credit |
40,3 |
118,8 |
|
Debit cards with credit limit and prepaid |
21,9 |
15,6 |
|
UnionPay International, of which: |
434,1 |
380,8 |
|
debit |
434,1 |
380,8 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,01 |
0,00 |
|
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 01.11.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 285,7 |
13 310,9 |
2 592,7 |
37 009,6 |
4 467,3 |
373,3 |
|
Akmola region |
1 976,4 |
458,1 |
113,8 |
1 156,9 |
153,3 |
18,1 |
|
Aktobe region |
2 883,4 |
708,5 |
136,9 |
1 584,2 |
235,0 |
19,0 |
|
Almaty region |
3 273,0 |
1 118,4 |
249,2 |
2 231,4 |
390,8 |
34,2 |
|
Atyrau region |
2 340,5 |
508,8 |
111,7 |
1 294,3 |
179,6 |
11,6 |
|
East Kazakhstan reg. |
2 168,7 |
495,8 |
173,0 |
1 197,1 |
162,1 |
24,5 |
|
Jambul region |
3 093,1 |
703,8 |
162,2 |
1 712,0 |
225,2 |
14,8 |
|
West Kazakhstan reg. |
2 182,6 |
493,5 |
100,3 |
1 177,8 |
166,7 |
13,8 |
|
Karaganda region |
3 692,2 |
794,4 |
165,1 |
2 068,2 |
266,8 |
26,1 |
|
Kostanai region |
2 462,0 |
509,1 |
111,2 |
1 361,7 |
167,9 |
19,5 |
|
Kyzylorda region |
2 433,7 |
561,2 |
138,4 |
1 275,0 |
185,6 |
11,4 |
|
Mangistau region |
2 458,3 |
550,1 |
90,4 |
1 379,1 |
202,8 |
10,8 |
|
Pavlodar region |
2 277,9 |
501,8 |
112,9 |
1 308,2 |
169,0 |
19,5 |
|
North Kazakhstan reg. |
1 523,9 |
285,2 |
65,0 |
836,9 |
87,2 |
10,9 |
|
Turkestan reg. |
3 815,5 |
1 213,4 |
226,1 |
2 523,1 |
361,2 |
20,9 |
|
Almaty city |
16 882,5 |
1 546,6 |
270,4 |
8 447,6 |
514,9 |
55,0 |
|
Shymkent city |
4 527,3 |
832,5 |
80,2 |
1 960,9 |
269,5 |
9,2 |
|
Astana city |
5 750,0 |
1 102,5 |
221,3 |
2 981,4 |
420,6 |
45,8 |
|
Jetysu reg. |
2 067,1 |
391,1 |
26,8 |
1 118,9 |
126,6 |
2,9 |
|
Abay reg. |
1 889,5 |
384,3 |
27,2 |
1 021,4 |
129,5 |
3,9 |
|
Ulytau reg. |
588,2 |
151,8 |
10,6 |
373,6 |
53,1 |
1,5 |
|
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-October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
10 567 250,0 |
202 743,6 |
|
local systems |
8 858 978,3 |
62 624,6 |
|
international systems, of which: |
1 708 271,7 |
140 118,9 |
|
Visa International |
1 486 097,6 |
116 982,3 |
|
MasterCard Worldwide |
209 591,4 |
18 321,2 |
|
UnionPay International |
10 801,8 |
4 580,5 |
|
Volume (mln.tenge), of which; |
133 237 114,6 |
20 970 992,5 |
|
local systems |
103 691 306,3 |
5 066 347,3 |
|
international systems, of which: |
29 545 808,3 |
15 904 645,1 |
|
Visa International |
23 154 713,7 |
13 001 987,5 |
|
MasterCard Worldwide |
6 102 374,3 |
2 496 332,6 |
|
UnionPay International |
235 405,7 |
383 395,7 |
|
2025 |
||
|
Number of transactions (thousand) of which; |
11 591 622,6 |
197 556,1 |
|
local systems |
9 660 678,3 |
70 312,9 |
|
international systems, of which: |
1 930 944,3 |
127 243,2 |
|
Visa International |
1 616 167,9 |
105 873,2 |
|
MasterCard Worldwide |
297 244,0 |
16 708,7 |
|
UnionPay International |
14 589,2 |
4 513,5 |
|
Volume (mln.tenge), of which; |
153 929 301,2 |
22 814 908,3 |
|
local systems |
117 012 115,1 |
6 336 527,8 |
|
international systems, of which: |
36 917 186,1 |
16 478 380,5 |
|
Visa International |
28 604 449,7 |
13 710 331,4 |
|
MasterCard Worldwide |
7 946 929,6 |
2 350 664,4 |
|
UnionPay International |
286 806,9 |
398 615,8 |
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-October 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
11 396 003,0 |
152 007 235,6 |
193 887,9 |
22 460 968,0 |
|
Akmola region |
221 285,22 |
2 254 238,28 |
5 866,06 |
509 651,12 |
|
Aktobe region |
411 236,99 |
3 980 294,81 |
9 386,63 |
821 939,55 |
|
Almaty region |
410 634,12 |
4 799 910,78 |
3 692,40 |
436 043,81 |
|
Atyrau region |
356 763,96 |
3 739 434,72 |
6 340,10 |
647 687,49 |
|
East Kazakhstan reg. |
229 197,77 |
2 315 504,84 |
7 370,01 |
669 233,06 |
|
Jambul region |
409 696,87 |
4 060 498,30 |
10 300,32 |
898 590,36 |
|
West Kazakhstan reg. |
277 347,05 |
2 661 330,53 |
6 200,85 |
525 757,49 |
|
Karaganda region |
430 067,57 |
4 782 697,49 |
13 652,93 |
1 197 902,07 |
|
Kostanai region |
256 405,29 |
2 461 625,84 |
7 831,48 |
720 051,79 |
|
Kyzylorda region |
303 680,76 |
2 898 453,28 |
6 710,69 |
592 117,95 |
|
Mangistau region |
362 828,69 |
3 745 954,48 |
6 840,63 |
785 435,93 |
|
Pavlodar region |
275 988,54 |
2 603 877,32 |
8 900,76 |
751 786,26 |
|
North Kazakhstan reg. |
121 528,08 |
1 070 797,08 |
4 837,56 |
404 142,25 |
|
Turkestan reg. |
499 170,28 |
4 967 372,10 |
5 293,41 |
513 506,16 |
|
Almaty city |
4 389 591,72 |
77 175 019,26 |
41 665,79 |
7 589 204,90 |
|
Astana city |
1 137 281,45 |
13 745 960,63 |
18 047,31 |
2 308 329,55 |
|
Shimkent city |
732 497,97 |
9 412 902,27 |
16 152,17 |
1 867 503,38 |
|
Jetysu reg. |
288 308,50 |
2 697 436,61 |
6 307,73 |
510 559,66 |
|
Abay reg. |
202 793,94 |
1 781 870,57 |
6 182,57 |
488 375,49 |
|
Ulytau reg. |
79 698,21 |
852 056,37 |
2 308,52 |
223 149,70 |
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-October 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
11 398 281,6 |
152 041 217,6 |
193 976,3 |
22 488 562,2 |
|
POS - terminal |
2 267 085,2 |
14 481 414,7 |
2 434,4 |
2 906 243,9 |
|
ATM |
360,1 |
48 976,6 |
190 948,5 |
19 326 765,7 |
|
Internet and mobile phone |
5 972 858,0 |
121 802 366,8 |
- |
- |
|
Payment terminals |
356,6 |
21 700,4 |
593,3 |
255 552,6 |
|
QR-code |
3 157 621,6 |
15 686 759,0 |
- |
- |
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-October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
184 205,1 |
2 881 393,5 |
4 731,8 |
358 930,7 |
|
POS - terminal |
56 138,6 |
1 211 764,0 |
30,4 |
11 395,3 |
|
ATM |
95,4 |
4 412,3 |
4 697,1 |
344 455,7 |
|
Internet and mobile phone |
125 387,7 |
1 556 889,4 |
- |
- |
|
others |
2 583,5 |
108 327,8 |
4,3 |
3 079,7 |
|
2025 |
||||
|
Total, incl. |
221 349,2 |
3 756 145,8 |
4 272,7 |
362 762,1 |
|
POS - terminal |
63 800,5 |
1 489 312,3 |
31,3 |
10 957,6 |
|
ATM |
162,5 |
7 794,9 |
4 235,6 |
348 679,4 |
|
Internet and mobile phone |
153 100,8 |
2 085 453,8 |
- |
- |
|
others |
4 285,4 |
173 584,8 |
5,7 |
3 125,0 |
[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.
