Version ¹271 от 30/04/2026
As of April 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 April 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 15.5%. Debit cards with a credit limit and prepaid cards account for 3.1 %.
In March 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.5 trillion tenge, the number – 1.2 bln transactions. At the same time, compared to the same period of 2025, the number of non-cash transactions increased by 6.8% and reached up to 1.2 bln transactions, the volume increased by 5.4%, amounting to 15.4 trillion tenge. The holders of payment cards carried out 18.9 million cash withdrawal operations in the amount of 2.1 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to March 2025 by 4.3%, and of the volume of cash withdrawal operations by 1.9%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.2% of the total number of transactions and 89.5% of the total volume of non-cash payments and money transfers) and POS terminals (20.4% 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 (98.3% and 89.6% 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 |
01.04.2025 |
01.04.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 866,8 |
85 089,2 |
|
local systems |
27 099,6 |
28 234,8 |
|
international systems, of which: |
54 767,2 |
56 854,4 |
|
Visa International, of which: |
38 493,4 |
42 105,3 |
|
debit |
35 599,5 |
39 143,4 |
|
credit |
644,3 |
615,7 |
|
Debit cards with credit limit and prepaid |
2 249,6 |
2 346,2 |
|
MasterCard Worldwide, of which: |
15 186,3 |
13 848,1 |
|
debit |
14 365,9 |
13 200,0 |
|
credit |
120,4 |
514,6 |
|
Debit cards with credit limit and prepaid |
700,1 |
133,5 |
|
UnionPay International, of which: |
961,4 |
757,0 |
|
debit |
961,4 |
757,0 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
42 753,2 |
42 305,5 |
|
local systems |
17 055,6 |
17 475,8 |
|
international systems, of which: |
25 697,6 |
24 829,7 |
|
Visa International, of which: |
20 967,8 |
21 264,1 |
|
debit |
20 304,0 |
20 716,1 |
|
credit |
319,3 |
197,7 |
|
Debit cards with credit limit and prepaid |
344,5 |
350,4 |
|
MasterCard Worldwide, of which: |
4 235,1 |
3 201,2 |
|
debit |
4 013,5 |
3 064,8 |
|
credit |
35,8 |
113,9 |
|
Debit cards with credit limit and prepaid |
185,8 |
22,5 |
|
UnionPay International, of which: |
450,4 |
319,6 |
|
debit |
450,4 |
319,6 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.04.2025 |
01.04.2026 |
|
Number of POS - terminals (units), of which: |
1 365 693 |
1 326 400 |
|
commercial enterprises |
1 358 450 |
1 319 302 |
|
banks |
7 243 |
7 098 |
|
Number of ATM (units) , of which: |
12 425 |
13 187 |
|
with cash distribution function |
3 449 |
2 848 |
|
with cash reception and distribution functions |
8 976 |
10 339 |
|
Number of commercial enterprises (units) |
913 062 |
959 497 |
|
Number of users of online bank service(thousand units) |
26 675,4 |
29 194,8 |
|
Table 2 |
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|
Specifications |
As of 01.04.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
69 237,4 |
13 180,5 |
2 671,4 |
37 474,2 |
4 346,9 |
484,4 |
|
Akmola region |
2 054,7 |
458,0 |
116,8 |
1 172,7 |
151,1 |
23,5 |
|
Aktobe region |
3 013,4 |
685,1 |
134,9 |
1 613,7 |
228,7 |
23,9 |
|
Almaty region |
3 366,3 |
1 117,1 |
252,0 |
2 251,2 |
386,9 |
41,3 |
|
Atyrau region |
2 363,5 |
505,1 |
105,5 |
1 295,7 |
174,1 |
14,4 |
|
East Kazakhstan reg. |
2 178,4 |
488,4 |
177,8 |
1 193,0 |
154,7 |
31,8 |
|
Jambul region |
3 145,4 |
702,8 |
160,8 |
1 711,5 |
221,3 |
18,2 |
|
West Kazakhstan reg. |
2 224,0 |
491,9 |
102,3 |
1 179,2 |
162,8 |
17,3 |
|
Karaganda region |
3 757,6 |
784,9 |
171,1 |
2 092,9 |
257,0 |
35,8 |
|
Kostanai region |
2 528,0 |
508,0 |
115,7 |
1 381,5 |
165,8 |
25,5 |
|
Kyzylorda region |
2 585,6 |
555,6 |
135,9 |
1 298,8 |
179,2 |
13,9 |
|
Mangistau region |
2 488,1 |
547,8 |
90,7 |
1 388,1 |
195,9 |
13,0 |
|
Pavlodar region |
2 394,3 |
497,4 |
114,2 |
1 335,6 |
163,3 |
25,6 |
|
North Kazakhstan reg. |
1 559,5 |
286,5 |
67,3 |
849,0 |
85,4 |
13,8 |
|
Turkestan reg. |
3 830,5 |
1 211,3 |
234,0 |
2 564,8 |
356,8 |
25,7 |
|
Almaty city |
16 162,3 |
1 520,1 |
286,5 |
8 560,1 |
500,2 |
70,2 |
|
Shymkent city |
5 000,2 |
808,8 |
84,5 |
2 007,2 |
261,9 |
12,4 |
|
Astana city |
5 913,1 |
1 085,2 |
236,4 |
3 036,2 |
401,9 |
57,7 |
|
Jetysu reg. |
2 126,0 |
391,8 |
32,0 |
1 128,0 |
124,9 |
5,2 |
|
Abay reg. |
1 950,4 |
384,2 |
34,5 |
1 039,7 |
124,2 |
8,0 |
|
Ulytau reg. |
596,1 |
150,2 |
18,2 |
375,1 |
50,8 |
7,2 |
|
Table 3 |
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|
Specifications |
As of 01.04.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 326 400 |
13 187 |
959 497 |
1 208 266 |
|
Akmola region |
51 130 |
416 |
34 908 |
46 300 |
|
Aktobe region |
59 942 |
654 |
44 957 |
55 482 |
|
Almaty region |
69 146 |
328 |
60 944 |
64 006 |
|
Atyrau region |
51 110 |
584 |
36 070 |
47 423 |
|
East Kazakhstan reg. |
44 396 |
621 |
31 562 |
40 034 |
|
Jambul region |
55 964 |
597 |
43 384 |
51 708 |
|
West Kazakhstan reg. |
41 142 |
486 |
31 204 |
37 862 |
|
Karaganda region |
73 885 |
968 |
54 477 |
66 857 |
|
Kostanai region |
57 906 |
530 |
39 111 |
52 494 |
|
Kyzylorda region |
35 896 |
419 |
29 150 |
33 477 |
|
Mangistau region |
44 963 |
609 |
36 024 |
41 981 |
|
Pavlodar region |
52 260 |
631 |
34 247 |
47 315 |
|
North Kazakhstan reg. |
28 680 |
370 |
19 005 |
25 913 |
|
Turkestan reg. |
55 043 |
395 |
47 929 |
51 523 |
|
Almaty city |
300 709 |
2 325 |
184 011 |
268 198 |
|
Shimkent city |
72 562 |
849 |
58 069 |
66 996 |
|
Astana city |
162 973 |
1 475 |
119 581 |
147 357 |
|
Jetysu reg. |
26 850 |
329 |
22 317 |
24 744 |
|
Abay reg. |
30 054 |
394 |
23 771 |
27 573 |
|
Ulytau reg. |
11 789 |
207 |
8 776 |
11 023 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
3 106 281,9 |
55 630,0 |
|
local systems |
2 572 214,4 |
19 044,7 |
|
international systems, of which: |
534 067,5 |
36 585,3 |
|
Visa International |
448 752,3 |
30 135,0 |
|
MasterCard Worldwide |
80 167,0 |
4 968,2 |
|
UnionPay International |
4 377,8 |
1 443,0 |
|
Volume (mln.tenge), of which; |
41 651 197,1 |
6 074 822,8 |
|
local systems |
31 040 402,0 |
1 623 780,6 |
|
international systems, of which: |
10 610 795,1 |
4 451 042,2 |
|
Visa International |
8 309 222,6 |
3 649 355,4 |
|
MasterCard Worldwide |
2 194 159,9 |
671 582,6 |
|
UnionPay International |
85 641,5 |
125 270,9 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
3 276 640,3 |
52 686,4 |
|
local systems |
2 698 095,1 |
19 840,0 |
|
international systems, of which: |
578 545,2 |
32 846,4 |
|
Visa International |
475 458,8 |
27 847,8 |
|
MasterCard Worldwide |
98 583,3 |
3 967,1 |
|
UnionPay International |
3 719,2 |
985,4 |
|
Volume (mln.tenge), of which; |
42 864 076,1 |
5 885 627,7 |
|
local systems |
31 830 790,4 |
1 779 898,3 |
|
international systems, of which: |
11 033 285,8 |
4 105 729,5 |
|
Visa International |
8 502 164,1 |
3 461 799,3 |
|
MasterCard Worldwide |
2 428 634,0 |
542 170,3 |
|
UnionPay International |
80 097,5 |
95 535,8 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-March 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 213 178,7 |
42 204 777,5 |
55 636,6 |
5 973 937,0 |
|
Akmola region |
62 385,51 |
656 552,88 |
1 503,65 |
131 935,65 |
|
Aktobe region |
115 176,35 |
1 071 090,83 |
2 527,48 |
211 836,06 |
|
Almaty region |
117 944,29 |
1 325 039,20 |
950,12 |
111 849,22 |
|
Atyrau region |
100 209,34 |
1 004 537,10 |
1 703,58 |
165 708,71 |
|
East Kazakhstan reg. |
63 971,98 |
661 854,27 |
1 899,00 |
178 995,51 |
|
Jambul region |
116 490,90 |
1 141 061,51 |
2 802,79 |
243 385,38 |
|
West Kazakhstan reg. |
76 848,15 |
710 957,02 |
1 621,04 |
131 827,71 |
|
Karaganda region |
117 814,40 |
1 306 449,05 |
3 618,40 |
320 676,46 |
|
Kostanai region |
71 692,87 |
687 047,77 |
2 015,64 |
186 811,48 |
|
Kyzylorda region |
87 953,63 |
799 957,09 |
1 854,18 |
156 763,81 |
|
Mangistau region |
102 480,31 |
1 022 457,47 |
1 962,46 |
208 011,86 |
|
Pavlodar region |
76 514,60 |
718 919,09 |
2 349,73 |
198 962,97 |
|
North Kazakhstan reg. |
34 644,55 |
303 929,36 |
1 248,10 |
106 829,58 |
|
Turkestan reg. |
149 146,35 |
1 402 552,82 |
1 483,99 |
145 942,68 |
|
Almaty city |
1 224 307,42 |
21 469 104,62 |
14 936,26 |
2 044 630,56 |
|
Astana city |
317 340,31 |
3 801 196,30 |
4 873,58 |
604 718,54 |
|
Shimkent city |
209 315,83 |
2 577 961,72 |
4 406,10 |
498 595,98 |
|
Jetysu reg. |
88 269,53 |
786 875,80 |
1 620,05 |
129 351,78 |
|
Abay reg. |
57 652,52 |
501 268,90 |
1 628,97 |
132 141,44 |
|
Ulytau reg. |
23 019,88 |
255 964,72 |
631,49 |
64 961,61 |
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-March 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
3 216 591,5 |
42 351 889,9 |
52 223,8 |
5 826 824,6 |
|
POS - terminal |
715 549,0 |
4 500 686,7 |
649,8 |
537 385,9 |
|
ATM |
141,9 |
14 157,9 |
51 395,8 |
5 210 586,6 |
|
Internet and mobile phone |
1 620 652,4 |
33 288 466,2 |
- |
- |
|
Payment terminals |
5 883,3 |
22 505,5 |
178,2 |
78 852,1 |
|
QR-code |
874 364,8 |
4 526 073,6 |
- |
- |
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-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
62 001,3 |
1 060 081,2 |
1 366,1 |
114 664,0 |
|
POS - terminal |
18 184,4 |
428 648,2 |
8,6 |
3 265,0 |
|
ATM |
30,5 |
1 612,6 |
1 355,3 |
110 398,5 |
|
Internet and mobile phone |
42 588,1 |
579 409,0 |
- |
- |
|
others |
1 198,3 |
50 411,4 |
2,1 |
1 000,5 |
|
2026 |
||||
|
Total, incl. |
88 900,2 |
1 260 988,4 |
1 015,7 |
90 845,3 |
|
POS - terminal |
19 116,0 |
426 317,3 |
7,7 |
3 378,9 |
|
ATM |
50,7 |
3 494,3 |
1 007,7 |
87 464,9 |
|
Internet and mobile phone |
68 352,7 |
783 476,3 |
- |
- |
|
others |
1 380,7 |
47 700,5 |
0,2 |
1,5 |
