Version ¹269 от 27/02/2026
As of February 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 February 01, 2026, 85.1 million payment cards are in circulation. The most common are debit cards, their share is 81.4%, the share of credit cards is 15.6%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In January 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.5 trillion tenge, the number – 1.1 bln transactions. At the same time, compared to the same period of 2025, the number of non-cash transactions increased by 6.2% and reached up to 1.1 bln transactions, the volume increased by 5.4%, reaching 13.6 trillion tenge. The holders of payment cards carried out 16.8 million cash withdrawal operations in the amount of 1.9 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to January 2025 by 4.9%, and of the volume of cash withdrawal operations by 2.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (78.7% of the total number of transactions and 88.6% of the total volume of non-cash payments and money transfers) and POS terminals (21.1% and 10.9% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.2% and 88.9% 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: |
83 598,0 |
85 062,2 |
|
local systems |
26 852,9 |
28 131,6 |
|
international systems, of which: |
56 745,0 |
56 930,6 |
|
Visa International, of which: |
40 804,0 |
41 686,4 |
|
debit |
37 997,6 |
38 762,7 |
|
credit |
646,1 |
620,8 |
|
Debit cards with credit limit and prepaid |
2 160,4 |
2 302,9 |
|
MasterCard Worldwide, of which: |
14 537,1 |
14 307,9 |
|
debit |
14 266,2 |
13 631,6 |
|
credit |
124,0 |
544,1 |
|
Debit cards with credit limit and prepaid |
146,9 |
132,2 |
|
UnionPay International, of which: |
1 278,8 |
789,4 |
|
debit |
1 278,7 |
789,3 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,01 |
0,00 |
|
Number of used cards (thousand), of which: |
41 407,6 |
41 191,6 |
|
local systems |
16 630,7 |
17 078,0 |
|
international systems, of which: |
24 776,9 |
24 113,6 |
|
Visa International, of which: |
20 727,0 |
20 459,9 |
|
debit |
20 102,5 |
19 915,2 |
|
credit |
319,5 |
210,0 |
|
Debit cards with credit limit and prepaid |
304,9 |
334,7 |
|
MasterCard Worldwide, of which: |
3 544,3 |
3 273,1 |
|
debit |
3 491,8 |
3 136,6 |
|
credit |
33,7 |
116,3 |
|
Debit cards with credit limit and prepaid |
18,8 |
20,3 |
|
UnionPay International, of which: |
461,5 |
336,0 |
|
debit |
461,5 |
336,0 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
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 01.02.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
69 241,0 |
13 278,5 |
2 542,6 |
36 638,6 |
4 147,4 |
405,6 |
|
Akmola region |
2 045,0 |
460,0 |
110,0 |
1 141,7 |
142,3 |
18,9 |
|
Aktobe region |
3 011,5 |
695,5 |
129,3 |
1 574,2 |
217,0 |
20,5 |
|
Almaty region |
3 313,6 |
1 122,8 |
241,6 |
2 208,4 |
369,8 |
36,5 |
|
Atyrau region |
2 378,4 |
508,0 |
102,9 |
1 267,7 |
166,3 |
12,6 |
|
East Kazakhstan reg. |
2 186,1 |
492,7 |
168,8 |
1 170,3 |
144,2 |
26,4 |
|
Jambul region |
3 156,1 |
706,6 |
155,6 |
1 680,8 |
213,0 |
15,8 |
|
West Kazakhstan reg. |
2 228,1 |
494,2 |
97,3 |
1 153,3 |
154,5 |
14,5 |
|
Karaganda region |
3 768,5 |
791,3 |
160,9 |
2 042,3 |
240,4 |
28,5 |
|
Kostanai region |
2 519,2 |
509,5 |
109,1 |
1 346,4 |
155,1 |
21,2 |
|
Kyzylorda region |
2 574,3 |
560,9 |
133,1 |
1 263,1 |
172,9 |
12,4 |
|
Mangistau region |
2 503,2 |
550,8 |
88,3 |
1 348,9 |
187,4 |
11,5 |
|
Pavlodar region |
2 392,4 |
500,5 |
107,1 |
1 310,5 |
152,1 |
21,1 |
|
North Kazakhstan reg. |
1 562,8 |
286,7 |
63,3 |
822,4 |
79,6 |
11,6 |
|
Turkestan reg. |
3 857,0 |
1 219,3 |
228,0 |
2 512,0 |
346,0 |
23,0 |
|
Almaty city |
16 273,6 |
1 533,3 |
270,6 |
8 410,4 |
480,3 |
60,7 |
|
Shymkent city |
4 903,2 |
821,3 |
81,0 |
1 934,7 |
254,5 |
10,5 |
|
Astana city |
5 882,5 |
1 094,9 |
224,3 |
2 971,3 |
387,3 |
49,2 |
|
Jetysu reg. |
2 146,9 |
393,3 |
30,0 |
1 102,9 |
119,0 |
3,7 |
|
Abay reg. |
1 949,2 |
385,3 |
30,1 |
1 010,8 |
117,1 |
5,1 |
|
Ulytau reg. |
589,4 |
151,5 |
11,5 |
366,4 |
48,5 |
1,8 |
|
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 |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
994 339,6 |
17 617,7 |
|
local systems |
825 641,7 |
6 040,6 |
|
international systems, of which: |
168 697,9 |
11 577,0 |
|
Visa International |
142 080,7 |
9 529,9 |
|
MasterCard Worldwide |
24 984,0 |
1 555,7 |
|
UnionPay International |
1 388,1 |
479,1 |
|
Volume (mln.tenge), of which; |
12 944 300,3 |
1 927 647,3 |
|
local systems |
9 828 905,3 |
508 566,4 |
|
international systems, of which: |
3 115 395,0 |
1 419 080,9 |
|
Visa International |
2 384 383,3 |
1 161 913,7 |
|
MasterCard Worldwide |
696 505,0 |
214 341,5 |
|
UnionPay International |
27 314,4 |
41 382,1 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
1 056 483,8 |
16 758,0 |
|
local systems |
868 284,5 |
6 336,2 |
|
international systems, of which: |
188 199,3 |
10 421,7 |
|
Visa International |
153 284,9 |
8 800,1 |
|
MasterCard Worldwide |
33 386,9 |
1 270,2 |
|
UnionPay International |
1 273,1 |
337,1 |
|
Volume (mln.tenge), of which; |
13 648 733,8 |
1 870 923,7 |
|
local systems |
10 133 045,7 |
566 760,4 |
|
international systems, of which: |
3 515 688,2 |
1 304 163,3 |
|
Visa International |
2 686 583,4 |
1 097 654,5 |
|
MasterCard Worldwide |
795 101,5 |
172 379,7 |
|
UnionPay International |
27 077,0 |
32 295,2 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 033 018,5 |
13 388 378,8 |
17 561,1 |
1 892 236,9 |
|
Akmola region |
19 829,11 |
206 612,91 |
468,59 |
40 916,49 |
|
Aktobe region |
37 180,18 |
346 415,43 |
806,29 |
68 163,30 |
|
Almaty region |
37 352,25 |
414 881,85 |
300,08 |
34 776,70 |
|
Atyrau region |
32 527,25 |
322 725,32 |
546,50 |
52 377,63 |
|
East Kazakhstan reg. |
20 328,79 |
210 742,28 |
598,36 |
55 453,12 |
|
Jambul region |
37 333,32 |
358 252,18 |
895,55 |
77 545,12 |
|
West Kazakhstan reg. |
24 698,44 |
228 905,98 |
512,83 |
42 008,08 |
|
Karaganda region |
37 470,53 |
415 219,67 |
1 133,69 |
100 210,29 |
|
Kostanai region |
22 797,97 |
217 994,08 |
627,16 |
58 599,07 |
|
Kyzylorda region |
28 562,17 |
253 992,79 |
600,33 |
49 458,78 |
|
Mangistau region |
33 315,02 |
326 577,54 |
623,66 |
66 877,56 |
|
Pavlodar region |
24 703,58 |
230 185,58 |
750,39 |
63 823,93 |
|
North Kazakhstan reg. |
10 873,20 |
95 659,40 |
387,99 |
33 088,26 |
|
Turkestan reg. |
46 919,29 |
434 455,99 |
460,50 |
44 971,93 |
|
Almaty city |
394 309,18 |
6 799 875,58 |
4 647,18 |
644 944,71 |
|
Astana city |
103 903,63 |
1 229 279,55 |
1 560,67 |
198 311,33 |
|
Shimkent city |
67 409,29 |
814 920,52 |
1 419,48 |
160 157,94 |
|
Jetysu reg. |
27 727,81 |
245 309,35 |
517,10 |
41 060,47 |
|
Abay reg. |
18 405,15 |
157 680,73 |
509,73 |
40 935,37 |
|
Ulytau reg. |
7 372,34 |
78 692,05 |
195,04 |
18 556,87 |
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 2026 |
|||
|
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 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
20 181,8 |
364 334,4 |
472,6 |
38 902,9 |
|
POS - terminal |
6 241,0 |
157 343,7 |
2,5 |
1 053,3 |
|
ATM |
10,5 |
502,7 |
469,1 |
37 478,6 |
|
Internet and mobile phone |
13 505,9 |
187 716,5 |
- |
- |
|
others |
424,5 |
18 771,4 |
0,9 |
370,9 |
|
2026 |
||||
|
Total, incl. |
29 253,2 |
454 673,3 |
351,1 |
32 020,9 |
|
POS - terminal |
6 612,8 |
168 376,8 |
2,6 |
1 340,5 |
|
ATM |
17,7 |
1 404,9 |
348,5 |
30 680,4 |
|
Internet and mobile phone |
22 111,9 |
264 342,0 |
- |
- |
|
others |
510,8 |
20 549,5 |
0,0 |
0,0 |
