Version ¹270 от 31/03/2026
As of March 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 March 01, 2026, 85.0 million payment cards are in circulation. The most common are debit cards, their share is 81.5%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In March 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 15.7 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 3.3% and reached up to 1.0 bln transactions, the volume decreased by 2.0%, amounting to 13.8 trillion tenge. The holders of payment cards carried out 17.1 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 February 2025 by 6.7%, and of 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 (78.2% of the total number of transactions and 88.5% of the total volume of non-cash payments and money transfers) and POS terminals (21.5% and 11.1% 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 89.1% 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 |
01.03.2025 |
01.03.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 033,8 |
85 001,4 |
|
local systems |
26 923,9 |
28 153,7 |
|
international systems, of which: |
54 109,9 |
56 847,7 |
|
Visa International, of which: |
38 237,5 |
41 573,6 |
|
debit |
35 398,6 |
38 628,3 |
|
credit |
643,1 |
617,4 |
|
Debit cards with credit limit and prepaid |
2 195,8 |
2 327,8 |
|
MasterCard Worldwide, of which: |
14 787,9 |
14 368,7 |
|
debit |
14 523,7 |
13 706,2 |
|
credit |
121,7 |
532,2 |
|
Debit cards with credit limit and prepaid |
142,5 |
130,4 |
|
UnionPay International, of which: |
961,4 |
760,9 |
|
debit |
961,4 |
760,9 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
41 825,0 |
41 404,2 |
|
local systems |
16 712,3 |
17 123,4 |
|
international systems, of which: |
25 112,7 |
24 280,8 |
|
Visa International, of which: |
20 999,0 |
20 672,3 |
|
debit |
20 361,3 |
20 140,1 |
|
credit |
323,8 |
203,6 |
|
Debit cards with credit limit and prepaid |
314,0 |
328,7 |
|
MasterCard Worldwide, of which: |
3 619,4 |
3 239,2 |
|
debit |
3 567,0 |
3 108,2 |
|
credit |
34,2 |
111,6 |
|
Debit cards with credit limit and prepaid |
18,2 |
19,5 |
|
UnionPay International, of which: |
451,5 |
325,0 |
|
debit |
451,5 |
325,0 |
|
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 01.03.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
69 255,1 |
13 203,1 |
2 543,3 |
36 867,6 |
4 159,8 |
376,8 |
|
Akmola region |
2 050,5 |
457,9 |
110,2 |
1 151,8 |
143,9 |
17,7 |
|
Aktobe region |
3 012,5 |
689,7 |
128,9 |
1 585,3 |
214,9 |
19,0 |
|
Almaty region |
3 373,1 |
1 117,2 |
243,1 |
2 236,7 |
372,5 |
34,5 |
|
Atyrau region |
2 372,4 |
505,4 |
102,3 |
1 279,5 |
165,2 |
11,9 |
|
East Kazakhstan reg. |
2 179,5 |
489,9 |
170,0 |
1 174,0 |
147,8 |
25,3 |
|
Jambul region |
3 146,3 |
703,2 |
157,2 |
1 691,8 |
211,9 |
15,1 |
|
West Kazakhstan reg. |
2 224,6 |
492,2 |
97,4 |
1 160,9 |
153,0 |
13,5 |
|
Karaganda region |
3 761,5 |
786,4 |
159,2 |
2 061,7 |
243,1 |
26,3 |
|
Kostanai region |
2 520,9 |
507,9 |
109,0 |
1 352,2 |
158,0 |
19,5 |
|
Kyzylorda region |
2 582,0 |
556,6 |
134,3 |
1 267,8 |
170,4 |
11,7 |
|
Mangistau region |
2 493,2 |
548,0 |
87,9 |
1 368,0 |
186,6 |
11,0 |
|
Pavlodar region |
2 391,0 |
497,8 |
106,9 |
1 314,3 |
155,5 |
19,5 |
|
North Kazakhstan reg. |
1 560,9 |
286,0 |
63,5 |
830,8 |
81,6 |
11,0 |
|
Turkestan reg. |
3 844,1 |
1 212,6 |
229,1 |
2 541,5 |
341,7 |
22,2 |
|
Almaty city |
16 210,9 |
1 524,6 |
269,0 |
8 426,0 |
485,2 |
55,0 |
|
Shymkent city |
4 970,2 |
813,9 |
81,0 |
1 946,8 |
253,4 |
9,7 |
|
Astana city |
5 904,1 |
1 087,9 |
223,5 |
2 981,2 |
390,8 |
45,1 |
|
Jetysu reg. |
2 124,3 |
391,8 |
29,9 |
1 108,0 |
119,8 |
3,1 |
|
Abay reg. |
1 948,5 |
384,0 |
29,4 |
1 018,0 |
117,9 |
4,0 |
|
Ulytau reg. |
584,5 |
150,3 |
11,2 |
371,3 |
46,8 |
1,5 |
|
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-February |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
2 002 776,7 |
35 913,2 |
|
local systems |
1 661 399,4 |
12 309,7 |
|
international systems, of which: |
341 377,3 |
23 603,5 |
|
Visa International |
287 113,7 |
19 423,5 |
|
MasterCard Worldwide |
50 947,7 |
3 202,4 |
|
UnionPay International |
2 814,6 |
952,9 |
|
Volume (mln.tenge), of which; |
27 033 424,5 |
3 957 195,5 |
|
local systems |
19 992 412,6 |
1 048 394,6 |
|
international systems, of which: |
7 041 011,9 |
2 908 801,0 |
|
Visa International |
5 559 336,5 |
2 382 998,3 |
|
MasterCard Worldwide |
1 411 455,1 |
439 680,4 |
|
UnionPay International |
55 958,5 |
83 167,9 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
2 098 114,4 |
33 819,7 |
|
local systems |
1 723 570,0 |
12 633,7 |
|
international systems, of which: |
374 544,4 |
21 186,0 |
|
Visa International |
304 940,8 |
17 890,3 |
|
MasterCard Worldwide |
66 565,4 |
2 609,5 |
|
UnionPay International |
2 537,3 |
656,6 |
|
Volume (mln.tenge), of which; |
27 456 188,7 |
3 808 346,8 |
|
local systems |
20 352 728,7 |
1 136 549,0 |
|
international systems, of which: |
7 103 460,0 |
2 671 797,8 |
|
Visa International |
5 444 419,4 |
2 248 809,1 |
|
MasterCard Worldwide |
1 591 751,6 |
355 282,3 |
|
UnionPay International |
52 699,6 |
63 660,9 |
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-February 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 053 389,3 |
27 006 311,6 |
35 553,2 |
3 860 897,7 |
|
Akmola region |
39 731,15 |
420 700,17 |
958,66 |
84 859,57 |
|
Aktobe region |
73 721,29 |
690 364,46 |
1 619,99 |
138 096,06 |
|
Almaty region |
74 721,35 |
836 702,15 |
608,19 |
71 149,46 |
|
Atyrau region |
64 275,02 |
645 340,00 |
1 095,51 |
107 086,16 |
|
East Kazakhstan reg. |
40 635,34 |
423 601,97 |
1 216,50 |
114 939,57 |
|
Jambul region |
73 875,61 |
718 767,32 |
1 783,18 |
155 553,93 |
|
West Kazakhstan reg. |
49 077,06 |
458 855,33 |
1 037,83 |
85 671,77 |
|
Karaganda region |
74 989,39 |
839 903,59 |
2 327,62 |
209 842,76 |
|
Kostanai region |
45 682,45 |
440 144,89 |
1 287,18 |
120 639,92 |
|
Kyzylorda region |
56 050,90 |
507 651,24 |
1 188,41 |
100 493,56 |
|
Mangistau region |
65 791,73 |
654 944,17 |
1 250,83 |
135 488,13 |
|
Pavlodar region |
48 940,40 |
461 219,26 |
1 511,62 |
129 214,49 |
|
North Kazakhstan reg. |
21 873,82 |
193 513,15 |
796,19 |
68 239,42 |
|
Turkestan reg. |
94 276,20 |
876 917,20 |
949,71 |
93 989,73 |
|
Almaty city |
783 911,23 |
13 766 856,91 |
9 479,33 |
1 318 449,85 |
|
Astana city |
204 678,45 |
2 454 367,65 |
3 134,21 |
394 300,17 |
|
Shimkent city |
134 053,20 |
1 633 327,97 |
2 826,32 |
320 943,77 |
|
Jetysu reg. |
55 769,88 |
496 935,97 |
1 030,83 |
82 141,62 |
|
Abay reg. |
36 638,69 |
318 490,75 |
1 037,57 |
85 307,67 |
|
Ulytau reg. |
14 696,16 |
167 707,46 |
413,48 |
44 490,04 |
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-February 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 055 507,3 |
27 102 118,6 |
33 435,2 |
3 765 090,7 |
|
POS - terminal |
460 193,0 |
2 927 606,2 |
425,8 |
355 489,0 |
|
ATM |
86,2 |
8 901,2 |
32 893,7 |
3 358 238,9 |
|
Internet and mobile phone |
1 032 176,5 |
21 271 342,0 |
- |
- |
|
Payment terminals |
2 930,0 |
11 964,2 |
115,7 |
51 362,8 |
|
QR-code |
560 121,6 |
2 882 305,0 |
- |
- |
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-February |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
39 079,9 |
684 371,6 |
894,1 |
76 317,0 |
|
POS - terminal |
11 670,6 |
279 615,0 |
5,4 |
2 181,0 |
|
ATM |
19,4 |
1 037,6 |
887,2 |
73 434,1 |
|
Internet and mobile phone |
26 621,9 |
371 102,7 |
- |
- |
|
others |
768,0 |
32 616,4 |
1,5 |
701,9 |
|
2026 |
||||
|
Total, incl. |
56 367,7 |
829 312,5 |
657,4 |
60 434,4 |
|
POS - terminal |
12 330,4 |
291 526,8 |
5,1 |
2 371,0 |
|
ATM |
32,2 |
2 375,1 |
652,1 |
58 061,9 |
|
Internet and mobile phone |
43 097,8 |
501 885,5 |
- |
- |
|
others |
907,3 |
33 525,1 |
0,2 |
1,5 |
