Version ¹268 от 30/01/2026
As of January 01, 2026 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 January 01, 2026, 84.6 million payment cards are in circulation. The most common are debit cards, their share is 81.3%, the share of credit cards is 15.7%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In December 2025, the volume of transactions using payment cards of Kazakhstani issuers amounted to 21.1 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 5.5% and reached up to 1.2 bln transactions, the volume increased by 5.8%, reaching 18.4 trillion tenge. The holders of payment cards carried out 20.5 million cash withdrawal operations in the amount of 2.6 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to December 2024 by 1.3%, and an increase in the volume of cash withdrawal operations by 4.5%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.7% of the total number of transactions and 89.8% of the total volume of non-cash payments and money transfers) and POS terminals (20.2% and 9.9% 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 88.4% 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 |
||
|
Specifications |
01.01.2025 |
01.01.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 370,3 |
84 593,5 |
|
local systems |
26 744,9 |
28 046,2 |
|
international systems, of which: |
54 625,5 |
56 547,2 |
|
Visa International, of which: |
39 710,8 |
41 201,0 |
|
debit |
36 859,7 |
38 297,7 |
|
credit |
646,9 |
629,1 |
|
Debit cards with credit limit and prepaid |
2 204,2 |
2 274,2 |
|
MasterCard Worldwide, of which: |
13 553,0 |
14 397,9 |
|
debit |
13 277,2 |
13 699,5 |
|
credit |
125,9 |
565,2 |
|
Debit cards with credit limit and prepaid |
149,9 |
133,2 |
|
UnionPay International, of which: |
1 240,9 |
801,1 |
|
debit |
1 240,9 |
801,1 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,01 |
0,00 |
|
Number of used cards (thousand), of which: |
41 183,6 |
42 604,4 |
|
local systems |
17 021,8 |
17 477,2 |
|
international systems, of which: |
24 161,8 |
25 127,2 |
|
Visa International, of which: |
20 137,2 |
21 119,4 |
|
debit |
19 613,3 |
20 560,9 |
|
credit |
212,3 |
222,5 |
|
Debit cards with credit limit and prepaid |
311,6 |
336,1 |
|
MasterCard Worldwide, of which: |
3 520,0 |
3 610,8 |
|
debit |
3 459,9 |
3 432,3 |
|
credit |
38,1 |
155,8 |
|
Debit cards with credit limit and prepaid |
22,0 |
22,6 |
|
UnionPay International, of which: |
457,9 |
349,0 |
|
debit |
457,9 |
349,0 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,01 |
0,00 |
|
Quarterly specifications |
01.01.2025 |
01.01.2026 |
|
Number of POS - terminals (units), of which: |
1 362 630 |
1 290 618 |
|
commercial enterprises |
1 355 347 |
1 283 129 |
|
banks |
7 283 |
7 489 |
|
Number of ATM (units) , of which: |
12 569 |
13 084 |
|
with cash distribution function |
3 604 |
3 394 |
|
with cash reception and distribution functions |
8 965 |
9 690 |
|
Number of commercial enterprises (units) |
886 630 |
944 892 |
|
Number of users of online bank service(thousand units) |
25 912,5 |
34 311,7 |
|
Table 2 |
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|
Specifications |
As of 01.01.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 776,9 |
13 306,9 |
2 509,7 |
37 607,5 |
4 605,7 |
391,2 |
|
Akmola region |
2 027,2 |
459,9 |
108,1 |
1 172,7 |
159,0 |
18,2 |
|
Aktobe region |
2 985,6 |
700,7 |
129,0 |
1 623,6 |
244,9 |
19,7 |
|
Almaty region |
3 297,6 |
1 122,3 |
239,5 |
2 227,0 |
403,4 |
35,7 |
|
Atyrau region |
2 368,1 |
508,8 |
102,0 |
1 304,6 |
182,8 |
12,2 |
|
East Kazakhstan reg. |
2 180,8 |
494,6 |
166,6 |
1 202,3 |
164,7 |
25,3 |
|
Jambul region |
3 139,6 |
706,6 |
153,8 |
1 727,4 |
233,6 |
15,4 |
|
West Kazakhstan reg. |
2 219,1 |
494,4 |
96,0 |
1 198,6 |
171,7 |
14,1 |
|
Karaganda region |
3 743,2 |
793,6 |
158,9 |
2 098,5 |
274,1 |
27,1 |
|
Kostanai region |
2 500,7 |
510,2 |
106,9 |
1 373,8 |
176,3 |
19,9 |
|
Kyzylorda region |
2 531,6 |
561,7 |
131,1 |
1 296,1 |
190,5 |
12,1 |
|
Mangistau region |
2 490,4 |
551,3 |
87,2 |
1 395,6 |
207,2 |
11,4 |
|
Pavlodar region |
2 365,7 |
501,6 |
105,9 |
1 331,3 |
173,5 |
19,9 |
|
North Kazakhstan reg. |
1 554,1 |
286,5 |
63,2 |
845,7 |
90,6 |
11,0 |
|
Turkestan reg. |
3 841,6 |
1 218,9 |
223,9 |
2 535,2 |
372,1 |
22,4 |
|
Almaty city |
16 289,7 |
1 540,2 |
268,4 |
8 661,1 |
539,1 |
60,5 |
|
Shymkent city |
4 770,9 |
826,3 |
80,1 |
2 015,7 |
281,0 |
10,1 |
|
Astana city |
5 831,8 |
1 099,1 |
219,7 |
3 057,9 |
426,6 |
47,5 |
|
Jetysu reg. |
2 121,0 |
393,1 |
28,7 |
1 128,4 |
130,6 |
3,2 |
|
Abay reg. |
1 929,4 |
385,4 |
29,3 |
1 038,4 |
131,7 |
4,2 |
|
Ulytau reg. |
588,6 |
151,7 |
11,3 |
373,6 |
52,6 |
1,6 |
|
Table 3 |
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|
Specifications |
As of 01.01.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 290 618 |
13 084 |
944 892 |
1 191 877 |
|
Akmola region |
50 233 |
421 |
34 292 |
46 000 |
|
Aktobe region |
58 235 |
658 |
44 239 |
54 592 |
|
Almaty region |
65 601 |
308 |
59 169 |
61 913 |
|
Atyrau region |
49 686 |
605 |
35 506 |
46 482 |
|
East Kazakhstan reg. |
45 613 |
613 |
33 011 |
41 886 |
|
Jambul region |
54 227 |
580 |
42 951 |
50 799 |
|
West Kazakhstan reg. |
40 514 |
469 |
30 773 |
37 766 |
|
Karaganda region |
73 456 |
973 |
54 392 |
67 085 |
|
Kostanai region |
56 754 |
517 |
38 709 |
52 001 |
|
Kyzylorda region |
34 961 |
422 |
28 557 |
33 061 |
|
Mangistau region |
44 451 |
623 |
35 782 |
41 884 |
|
Pavlodar region |
51 684 |
626 |
33 487 |
46 832 |
|
North Kazakhstan reg. |
28 317 |
360 |
18 981 |
25 875 |
|
Turkestan reg. |
52 322 |
378 |
46 475 |
49 823 |
|
Almaty city |
290 510 |
2 294 |
181 005 |
263 678 |
|
Shimkent city |
70 347 |
792 |
56 739 |
65 967 |
|
Astana city |
157 390 |
1 509 |
117 178 |
144 167 |
|
Jetysu reg. |
25 529 |
334 |
21 564 |
23 865 |
|
Abay reg. |
29 258 |
394 |
23 408 |
27 272 |
|
Ulytau reg. |
11 530 |
208 |
8 674 |
10 929 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2024 |
||
|
Number of transactions (thousand) of which; |
12 860 442,8 |
242 884,2 |
|
local systems |
10 777 523,2 |
75 429,6 |
|
international systems, of which: |
2 082 919,5 |
167 454,7 |
|
Visa International |
1 805 906,5 |
139 675,0 |
|
MasterCard Worldwide |
261 337,5 |
22 008,6 |
|
UnionPay International |
13 425,7 |
5 501,9 |
|
Volume (mln.tenge), of which; |
166 232 139,0 |
25 740 697,1 |
|
local systems |
129 389 318,1 |
6 238 258,4 |
|
international systems, of which: |
36 842 820,9 |
19 502 438,7 |
|
Visa International |
28 815 484,7 |
15 988 143,1 |
|
MasterCard Worldwide |
7 668 919,6 |
3 025 847,9 |
|
UnionPay International |
289 341,2 |
461 555,9 |
|
2025 |
||
|
Number of transactions (thousand) of which; |
13 989 470,8 |
236 533,9 |
|
local systems |
11 643 253,7 |
84 620,2 |
|
international systems, of which: |
2 346 217,1 |
151 913,7 |
|
Visa International |
1 958 319,9 |
126 687,1 |
|
MasterCard Worldwide |
367 068,4 |
19 822,8 |
|
UnionPay International |
17 274,3 |
5 221,9 |
|
Volume (mln.tenge), of which; |
188 412 301,0 |
27 620 067,6 |
|
local systems |
143 006 085,7 |
7 737 414,9 |
|
international systems, of which: |
45 406 215,3 |
19 882 652,7 |
|
Visa International |
35 163 356,1 |
16 604 122,9 |
|
MasterCard Worldwide |
9 801 934,5 |
2 791 487,7 |
|
UnionPay International |
344 433,7 |
463 484,5 |
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-December 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
13 755 191,3 |
186 308 736,5 |
233 922,6 |
27 290 291,0 |
|
Akmola region |
267 314,58 |
2 778 933,15 |
7 020,27 |
617 963,57 |
|
Aktobe region |
495 887,27 |
4 848 134,94 |
11 227,93 |
990 147,82 |
|
Almaty region |
495 073,93 |
5 866 342,90 |
4 421,61 |
527 532,12 |
|
Atyrau region |
429 461,21 |
4 540 442,20 |
7 571,10 |
777 141,74 |
|
East Kazakhstan reg. |
275 397,25 |
2 838 364,12 |
8 797,00 |
806 868,95 |
|
Jambul region |
494 200,12 |
4 966 816,40 |
12 327,93 |
1 082 124,37 |
|
West Kazakhstan reg. |
334 202,39 |
3 243 122,77 |
7 408,44 |
630 859,08 |
|
Karaganda region |
516 708,44 |
5 844 600,16 |
16 380,58 |
1 448 558,67 |
|
Kostanai region |
309 021,99 |
3 021 038,59 |
9 369,32 |
872 482,17 |
|
Kyzylorda region |
368 061,92 |
3 535 436,46 |
8 022,58 |
709 444,63 |
|
Mangistau region |
437 104,19 |
4 545 168,99 |
8 235,25 |
941 694,06 |
|
Pavlodar region |
332 266,79 |
3 184 683,91 |
10 643,60 |
906 826,40 |
|
North Kazakhstan reg. |
147 063,98 |
1 319 459,69 |
5 793,27 |
490 919,72 |
|
Turkestan reg. |
605 795,67 |
6 065 237,74 |
6 340,74 |
616 943,32 |
|
Almaty city |
5 297 334,74 |
94 794 773,68 |
51 692,37 |
9 321 041,55 |
|
Astana city |
1 371 771,37 |
16 845 620,90 |
21 698,02 |
2 817 240,96 |
|
Shimkent city |
884 592,50 |
11 505 802,05 |
19 299,21 |
2 255 638,67 |
|
Jetysu reg. |
352 260,08 |
3 327 414,54 |
7 519,23 |
614 612,42 |
|
Abay reg. |
245 480,06 |
2 192 513,44 |
7 380,18 |
591 479,79 |
|
Ulytau reg. |
96 192,80 |
1 044 829,84 |
2 774,02 |
270 771,00 |
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-December 2025 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
13 756 586,9 |
186 359 493,8 |
232 527,0 |
27 239 535,5 |
|
POS - terminal |
2 760 816,9 |
17 908 816,4 |
2 883,0 |
3 372 268,8 |
|
ATM |
441,8 |
58 733,1 |
228 926,8 |
23 555 373,6 |
|
Internet and mobile phone |
7 202 302,8 |
149 146 528,0 |
- |
- |
|
Payment terminals |
588,9 |
24 905,4 |
717,3 |
311 893,1 |
|
QR-code |
3 792 436,5 |
19 220 510,9 |
- |
- |
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-December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2024 |
||||
|
Total, incl. |
226 764,9 |
3 579 073,3 |
5 750,7 |
441 380,2 |
|
POS - terminal |
68 302,3 |
1 487 776,9 |
36,6 |
14 006,3 |
|
ATM |
115,1 |
5 274,9 |
5 708,7 |
423 338,2 |
|
Internet and mobile phone |
155 036,8 |
1 948 238,4 |
- |
- |
|
others |
3 310,7 |
137 783,3 |
5,4 |
4 035,7 |
|
2025 |
||||
|
Total, incl. |
276 114,9 |
4 581 406,9 |
5 027,5 |
430 642,8 |
|
POS - terminal |
76 656,7 |
1 782 747,0 |
37,1 |
13 060,9 |
|
ATM |
193,9 |
10 037,5 |
4 984,2 |
414 225,4 |
|
Internet and mobile phone |
194 047,5 |
2 581 065,2 |
- |
- |
|
others |
5 216,8 |
207 557,2 |
6,2 |
3 356,4 |
