Version ¹267 от 29/12/2025
As of December 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 December 01, 2025, 84.4 million payment cards are in circulation. The most common are debit cards, their share is 81.3%, the share of credit cards is 15.8%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In November 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 3.7% and reached up to 1.2 bln transactions, the volume increased by 3.4%, reaching 16.1 trillion tenge. The holders of payment cards carried out 18.6 million cash withdrawal operations in the amount of 2.2 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to November 2024 by 4.1%, and a decrease in the volume of cash withdrawal operations by 2.0%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.6% of the total number of transactions and 89.6% of the total volume of non-cash payments and money transfers) and POS terminals (20.3% and 10.1% 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 89.4% 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 |
01.12.2024 |
01.12.2025 |
|
Total number of cards in circulation (thousand), of which: |
80 456,1 |
84 382,9 |
|
local systems |
26 623,7 |
27 925,4 |
|
international systems, of which: |
53 832,3 |
56 457,6 |
|
Visa International, of which: |
39 372,9 |
40 775,8 |
|
debit |
36 440,8 |
37 863,6 |
|
credit |
651,1 |
633,7 |
|
Debit cards with credit limit and prepaid |
2 281,0 |
2 278,6 |
|
MasterCard Worldwide, of which: |
13 127,3 |
14 720,7 |
|
debit |
12 846,5 |
13 999,3 |
|
credit |
131,3 |
579,5 |
|
Debit cards with credit limit and prepaid |
149,5 |
141,8 |
|
UnionPay International, of which: |
1 217,5 |
811,8 |
|
debit |
1 217,5 |
811,8 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,01 |
0,00 |
|
Number of used cards (thousand), of which: |
40 724,7 |
41 594,2 |
|
local systems |
16 993,5 |
17 423,4 |
|
international systems, of which: |
23 731,3 |
24 170,8 |
|
Visa International, of which: |
19 827,9 |
20 529,0 |
|
debit |
19 306,9 |
19 969,6 |
|
credit |
218,4 |
229,3 |
|
Debit cards with credit limit and prepaid |
302,6 |
330,1 |
|
MasterCard Worldwide, of which: |
3 426,0 |
3 236,3 |
|
debit |
3 366,9 |
3 090,6 |
|
credit |
38,1 |
121,1 |
|
Debit cards with credit limit and prepaid |
21,0 |
24,6 |
|
UnionPay International, of which: |
432,9 |
357,9 |
|
debit |
432,9 |
357,9 |
|
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 01.12.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 575,5 |
13 316,9 |
2 490,6 |
36 598,7 |
4 616,5 |
378,9 |
|
Akmola region |
2 004,7 |
459,1 |
107,1 |
1 142,2 |
159,2 |
17,8 |
|
Aktobe region |
2 946,7 |
705,2 |
132,7 |
1 568,8 |
243,5 |
19,5 |
|
Almaty region |
3 283,1 |
1 120,8 |
237,5 |
2 216,3 |
406,1 |
34,5 |
|
Atyrau region |
2 355,9 |
508,8 |
105,2 |
1 278,7 |
184,1 |
12,1 |
|
East Kazakhstan reg. |
2 171,3 |
495,6 |
164,2 |
1 176,8 |
166,4 |
24,5 |
|
Jambul region |
3 116,7 |
705,6 |
155,8 |
1 685,8 |
233,6 |
15,0 |
|
West Kazakhstan reg. |
2 208,9 |
494,4 |
95,4 |
1 169,5 |
172,2 |
13,9 |
|
Karaganda region |
3 714,4 |
794,7 |
155,4 |
2 047,3 |
278,3 |
26,3 |
|
Kostanai region |
2 483,3 |
510,3 |
105,3 |
1 341,4 |
174,7 |
19,7 |
|
Kyzylorda region |
2 491,7 |
561,6 |
133,2 |
1 254,5 |
191,4 |
11,6 |
|
Mangistau region |
2 474,9 |
551,1 |
86,4 |
1 359,9 |
208,3 |
10,9 |
|
Pavlodar region |
2 351,9 |
502,1 |
107,5 |
1 302,2 |
174,1 |
19,9 |
|
North Kazakhstan reg. |
1 542,1 |
286,2 |
62,3 |
822,7 |
90,6 |
10,9 |
|
Turkestan reg. |
3 823,9 |
1 216,8 |
220,5 |
2 512,2 |
372,0 |
21,3 |
|
Almaty city |
16 568,5 |
1 544,7 |
262,8 |
8 382,1 |
534,3 |
57,1 |
|
Shymkent city |
4 656,5 |
829,6 |
79,0 |
1 905,0 |
277,4 |
9,8 |
|
Astana city |
5 790,1 |
1 101,0 |
214,8 |
2 951,6 |
431,7 |
45,8 |
|
Jetysu reg. |
2 094,8 |
392,2 |
27,3 |
1 102,5 |
130,7 |
3,0 |
|
Abay reg. |
1 909,1 |
385,1 |
27,5 |
1 009,2 |
132,9 |
3,8 |
|
Ulytau reg. |
587,2 |
151,9 |
10,7 |
370,3 |
54,9 |
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 |
||
|
Specifications |
January-November |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
11 685 710,0 |
222 105,2 |
|
local systems |
9 800 191,8 |
68 978,5 |
|
international systems, of which: |
1 885 518,2 |
153 126,7 |
|
Visa International |
1 637 794,0 |
127 822,8 |
|
MasterCard Worldwide |
233 676,7 |
20 025,4 |
|
UnionPay International |
12 042,1 |
5 026,7 |
|
Volume (mln.tenge), of which; |
148 807 962,5 |
23 219 083,1 |
|
local systems |
115 942 298,5 |
5 640 703,0 |
|
international systems, of which: |
32 865 664,0 |
17 578 380,1 |
|
Visa International |
25 728 886,7 |
14 391 384,9 |
|
MasterCard Worldwide |
6 815 729,3 |
2 740 149,4 |
|
UnionPay International |
260 729,1 |
422 031,5 |
|
2025 |
||
|
Number of transactions (thousand) of which; |
12 751 711,9 |
216 126,8 |
|
local systems |
10 620 698,7 |
77 234,1 |
|
international systems, of which: |
2 131 013,2 |
138 892,7 |
|
Visa International |
1 782 491,2 |
115 734,6 |
|
MasterCard Worldwide |
329 375,3 |
18 126,1 |
|
UnionPay International |
15 896,8 |
4 867,3 |
|
Volume (mln.tenge), of which; |
170 025 925,2 |
25 001 537,4 |
|
local systems |
129 261 382,0 |
6 995 819,2 |
|
international systems, of which: |
40 764 543,2 |
18 005 718,2 |
|
Visa International |
31 599 246,8 |
15 009 640,6 |
|
MasterCard Worldwide |
8 762 938,0 |
2 544 045,3 |
|
UnionPay International |
315 233,6 |
430 904,6 |
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-November 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
12 537 321,9 |
167 994 242,0 |
212 216,8 |
24 618 716,7 |
|
Akmola region |
243 423,83 |
2 492 461,14 |
6 408,32 |
559 821,37 |
|
Aktobe region |
452 310,09 |
4 384 739,67 |
10 268,65 |
899 909,52 |
|
Almaty region |
451 902,60 |
5 299 175,00 |
4 037,72 |
478 153,68 |
|
Atyrau region |
392 125,50 |
4 115 406,96 |
6 922,46 |
706 421,87 |
|
East Kazakhstan reg. |
251 119,61 |
2 555 504,92 |
8 042,44 |
732 685,53 |
|
Jambul region |
450 384,49 |
4 487 548,04 |
11 260,19 |
983 384,91 |
|
West Kazakhstan reg. |
305 008,00 |
2 931 903,20 |
6 781,15 |
574 147,05 |
|
Karaganda region |
471 702,18 |
5 272 450,29 |
14 937,82 |
1 311 831,61 |
|
Kostanai region |
281 692,61 |
2 719 935,61 |
8 557,57 |
790 534,18 |
|
Kyzylorda region |
334 762,58 |
3 199 480,81 |
7 335,87 |
646 653,43 |
|
Mangistau region |
398 903,03 |
4 120 179,30 |
7 490,86 |
855 903,53 |
|
Pavlodar region |
302 899,56 |
2 872 709,61 |
9 721,50 |
823 037,16 |
|
North Kazakhstan reg. |
133 798,39 |
1 186 312,34 |
5 289,41 |
444 448,70 |
|
Turkestan reg. |
551 016,81 |
5 496 531,47 |
5 790,51 |
561 605,42 |
|
Almaty city |
4 829 075,93 |
85 365 859,94 |
45 769,31 |
8 328 915,13 |
|
Astana city |
1 250 818,94 |
15 176 005,40 |
19 770,33 |
2 536 020,21 |
|
Shimkent city |
806 525,23 |
10 408 314,22 |
17 679,61 |
2 047 034,01 |
|
Jetysu reg. |
319 058,73 |
2 996 575,25 |
6 886,48 |
558 974,20 |
|
Abay reg. |
223 285,00 |
1 974 052,69 |
6 747,09 |
535 710,14 |
|
Ulytau reg. |
87 508,79 |
939 096,16 |
2 519,58 |
243 525,06 |
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-November 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
12 539 607,3 |
168 027 099,6 |
212 298,4 |
24 647 435,5 |
|
POS - terminal |
2 505 533,1 |
16 082 990,3 |
2 644,1 |
3 104 334,6 |
|
ATM |
402,1 |
53 697,2 |
209 002,6 |
21 261 280,9 |
|
Internet and mobile phone |
6 563 884,5 |
134 480 086,4 |
- |
- |
|
Payment terminals |
426,4 |
22 957,6 |
651,6 |
281 820,0 |
|
QR-code |
3 469 361,2 |
17 387 368,1 |
- |
- |
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-November |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
205 911,0 |
3 233 406,3 |
5 236,7 |
399 663,4 |
|
POS - terminal |
62 294,0 |
1 349 363,5 |
33,5 |
12 579,0 |
|
ATM |
105,7 |
4 841,5 |
5 198,4 |
383 509,4 |
|
Internet and mobile phone |
140 551,1 |
1 756 028,3 |
- |
- |
|
others |
2 960,2 |
123 173,0 |
4,8 |
3 575,0 |
|
2025 |
||||
|
Total, incl. |
247 309,7 |
4 161 975,2 |
4 648,8 |
396 217,3 |
|
POS - terminal |
70 309,0 |
1 641 650,5 |
34,1 |
11 934,0 |
|
ATM |
179,5 |
8 972,6 |
4 608,5 |
380 926,9 |
|
Internet and mobile phone |
172 041,6 |
2 319 677,9 |
- |
- |
|
others |
4 779,6 |
191 674,2 |
6,2 |
3 356,4 |
