Version ¹274 от 31/07/2026
As of July 01, 2026 actual origination of the payment cards were realized by 18 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 July 01, 2026, 83.6 million payment cards are in circulation. The most common are debit cards, their share is 81.6%, the share of credit cards is 15.6%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In June 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 19.8 trillion tenge, the number – 1.3 bln transactions. At the same time, compared to the same period of 2025, the number of non-cash transactions increased by 7.2% and reached up to 1.3 bln transactions, the volume increased by 9.6%, amounting to 17.4 trillion tenge. The holders of payment cards carried out 19.4 million cash withdrawal operations in the amount of 2.4 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to June 2025 by 5.5%, and of the volume of cash withdrawal operations by 1.7%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.5% of the total number of transactions and 90.2% of the total volume of non-cash payments and money transfers) and POS terminals (20.1% and 9.4% 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 88.3% 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 |
01.07.2025 |
01.07.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 721,1 |
83 630,7 |
|
local systems |
27 353,5 |
28 309,2 |
|
international systems, of which: |
54 367,7 |
55 321,5 |
|
Visa International, of which: |
38 184,7 |
40 340,0 |
|
debit |
35 205,3 |
37 515,6 |
|
credit |
646,7 |
604,4 |
|
Debit cards with credit limit and prepaid |
2 332,6 |
2 220,1 |
|
MasterCard Worldwide, of which: |
15 157,2 |
14 092,2 |
|
debit |
14 456,8 |
13 641,9 |
|
credit |
112,2 |
424,6 |
|
Debit cards with credit limit and prepaid |
588,2 |
25,6 |
|
UnionPay International, of which: |
886,2 |
749,1 |
|
debit |
886,1 |
749,1 |
|
credit |
0,02 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
41 289,8 |
41 895,6 |
|
local systems |
17 019,8 |
17 457,7 |
|
international systems, of which: |
24 270,0 |
24 437,9 |
|
Visa International, of which: |
20 187,9 |
20 804,8 |
|
debit |
19 574,3 |
20 290,0 |
|
credit |
274,5 |
182,1 |
|
Debit cards with credit limit and prepaid |
339,1 |
332,7 |
|
MasterCard Worldwide, of which: |
3 615,3 |
3 290,9 |
|
debit |
3 491,7 |
3 179,2 |
|
credit |
28,7 |
99,6 |
|
Debit cards with credit limit and prepaid |
94,9 |
12,1 |
|
UnionPay International, of which: |
419,2 |
299,4 |
|
debit |
419,2 |
299,4 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.07.2025 |
01.07.2026 |
|
Number of POS - terminals (units), of which: |
1 364 509 |
1 363 897 |
|
commercial enterprises |
1 356 999 |
1 355 883 |
|
banks |
7 510 |
8 014 |
|
Number of ATM (units) , of which: |
12 823 |
13 131 |
|
with cash distribution function |
3 429 |
2 787 |
|
with cash reception and distribution functions |
9 394 |
10 344 |
|
Number of commercial enterprises (units) |
910 707 |
969 737 |
|
Number of users of online bank service(thousand units) |
27 075,2 |
29 412,8 |
|
Table 2 |
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|
Specifications |
As of 01.07.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
68 226,4 |
13 048,5 |
2 355,8 |
37 260,6 |
4 256,3 |
378,8 |
|
Akmola region |
2 040,6 |
457,6 |
103,2 |
1 171,5 |
149,5 |
17,9 |
|
Aktobe region |
2 987,1 |
670,2 |
119,3 |
1 605,7 |
219,7 |
18,6 |
|
Almaty region |
3 337,1 |
1 112,7 |
226,5 |
2 261,3 |
378,6 |
34,2 |
|
Atyrau region |
2 333,2 |
501,8 |
86,7 |
1 298,1 |
168,7 |
11,6 |
|
East Kazakhstan reg. |
2 120,7 |
482,9 |
148,9 |
1 184,7 |
155,2 |
24,6 |
|
Jambul region |
3 109,2 |
694,6 |
146,4 |
1 711,6 |
212,6 |
14,9 |
|
West Kazakhstan reg. |
2 191,7 |
489,5 |
89,5 |
1 172,4 |
156,9 |
13,3 |
|
Karaganda region |
3 709,5 |
777,9 |
143,8 |
2 089,1 |
255,0 |
26,6 |
|
Kostanai region |
2 476,9 |
505,9 |
100,5 |
1 374,9 |
164,2 |
19,8 |
|
Kyzylorda region |
2 550,6 |
550,1 |
120,1 |
1 276,7 |
169,6 |
11,4 |
|
Mangistau region |
2 466,8 |
545,0 |
79,8 |
1 392,9 |
191,3 |
10,6 |
|
Pavlodar region |
2 352,2 |
494,3 |
98,1 |
1 331,5 |
164,2 |
19,4 |
|
North Kazakhstan reg. |
1 535,4 |
286,5 |
58,8 |
845,5 |
86,2 |
11,1 |
|
Turkestan reg. |
3 802,1 |
1 208,3 |
221,4 |
2 580,7 |
337,9 |
23,4 |
|
Almaty city |
15 779,5 |
1 475,4 |
250,5 |
8 422,3 |
496,2 |
56,2 |
|
Shymkent city |
4 971,3 |
797,5 |
71,5 |
1 957,0 |
253,4 |
9,3 |
|
Astana city |
5 856,2 |
1 074,4 |
214,6 |
3 049,1 |
402,5 |
46,4 |
|
Jetysu reg. |
2 106,6 |
390,7 |
31,2 |
1 122,5 |
121,7 |
3,3 |
|
Abay reg. |
1 925,5 |
383,6 |
31,9 |
1 032,8 |
123,2 |
4,6 |
|
Ulytau reg. |
574,3 |
149,6 |
13,1 |
380,3 |
49,7 |
1,9 |
|
Table 3 |
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|
Specifications |
As of 01.07.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 363 897 |
13 131 |
969 737 |
1 227 841 |
|
Akmola region |
52 531 |
410 |
35 348 |
47 230 |
|
Aktobe region |
61 643 |
645 |
45 445 |
56 399 |
|
Almaty region |
71 960 |
333 |
62 398 |
65 825 |
|
Atyrau region |
52 686 |
573 |
36 577 |
48 487 |
|
East Kazakhstan reg. |
44 440 |
606 |
31 181 |
39 570 |
|
Jambul region |
58 240 |
598 |
44 168 |
53 062 |
|
West Kazakhstan reg. |
42 240 |
472 |
31 469 |
38 379 |
|
Karaganda region |
75 599 |
978 |
55 034 |
67 855 |
|
Kostanai region |
58 954 |
515 |
39 426 |
53 034 |
|
Kyzylorda region |
36 769 |
432 |
29 455 |
33 734 |
|
Mangistau region |
45 194 |
608 |
35 266 |
41 477 |
|
Pavlodar region |
53 732 |
626 |
34 735 |
48 158 |
|
North Kazakhstan reg. |
29 030 |
354 |
19 012 |
25 993 |
|
Turkestan reg. |
58 399 |
375 |
50 052 |
53 921 |
|
Almaty city |
304 526 |
2 316 |
182 905 |
268 509 |
|
Shimkent city |
75 201 |
859 |
58 868 |
68 566 |
|
Astana city |
170 190 |
1 508 |
121 494 |
151 545 |
|
Jetysu reg. |
28 885 |
326 |
23 514 |
26 231 |
|
Abay reg. |
31 377 |
391 |
24 470 |
28 473 |
|
Ulytau reg. |
12 301 |
206 |
8 920 |
11 393 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-June |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
6 724 369,2 |
117 136,4 |
|
local systems |
5 598 038,6 |
40 657,9 |
|
international systems, of which: |
1 126 330,6 |
76 478,5 |
|
Visa International |
944 566,2 |
63 254,4 |
|
MasterCard Worldwide |
171 217,5 |
10 291,5 |
|
UnionPay International |
8 894,1 |
2 851,5 |
|
Volume (mln.tenge), of which; |
88 372 178,2 |
13 144 650,4 |
|
local systems |
66 837 256,1 |
3 551 915,8 |
|
international systems, of which: |
21 534 922,1 |
9 592 734,7 |
|
Visa International |
16 704 727,9 |
7 899 139,4 |
|
MasterCard Worldwide |
4 610 797,0 |
1 433 963,8 |
|
UnionPay International |
174 187,7 |
249 505,5 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
7 068 347,3 |
110 322,3 |
|
local systems |
5 877 172,64 |
42 518,11 |
|
international systems, of which: |
1 191 174,63 |
67 804,17 |
|
Visa International |
989 016,73 |
57 886,19 |
|
MasterCard Worldwide |
192 598,12 |
7 910,42 |
|
UnionPay International |
7 961,88 |
1 913,55 |
|
Volume (mln.tenge), of which; |
92 088 477,6 |
12 649 630,6 |
|
local systems |
68 849 051,5 |
3 905 410,5 |
|
international systems, of which: |
23 239 426,1 |
8 744 220,1 |
|
Visa International |
18 036 495,5 |
7 406 185,3 |
|
MasterCard Worldwide |
4 996 519,7 |
1 138 517,1 |
|
UnionPay International |
162 060,8 |
186 272,8 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-June 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 952 247,2 |
90 766 071,7 |
117 157,2 |
12 850 307,6 |
|
Akmola region |
138 119,64 |
1 419 035,30 |
3 191,19 |
286 053,08 |
|
Aktobe region |
242 230,07 |
2 281 674,64 |
5 331,77 |
451 786,51 |
|
Almaty region |
263 558,93 |
2 922 300,86 |
1 985,39 |
242 686,44 |
|
Atyrau region |
210 875,88 |
2 149 074,96 |
3 545,68 |
351 809,07 |
|
East Kazakhstan reg. |
140 566,47 |
1 420 660,38 |
3 977,05 |
381 820,53 |
|
Jambul region |
254 349,15 |
2 484 680,54 |
5 912,99 |
523 206,80 |
|
West Kazakhstan reg. |
160 812,79 |
1 525 126,44 |
3 413,56 |
280 821,28 |
|
Karaganda region |
260 118,67 |
2 785 708,35 |
7 639,26 |
679 198,65 |
|
Kostanai region |
155 922,09 |
1 470 428,58 |
4 299,02 |
403 217,61 |
|
Kyzylorda region |
189 312,93 |
1 729 795,79 |
3 823,74 |
338 621,67 |
|
Mangistau region |
214 009,25 |
2 171 774,11 |
4 025,30 |
433 054,91 |
|
Pavlodar region |
163 869,34 |
1 532 817,19 |
4 922,21 |
423 027,83 |
|
North Kazakhstan reg. |
76 498,87 |
659 335,31 |
2 644,82 |
230 996,95 |
|
Turkestan reg. |
329 532,40 |
3 195 252,20 |
3 096,62 |
314 777,66 |
|
Almaty city |
2 661 905,36 |
45 920 420,14 |
31 673,68 |
4 443 132,45 |
|
Astana city |
678 464,95 |
8 089 536,76 |
10 305,26 |
1 291 937,39 |
|
Shimkent city |
445 338,58 |
5 646 436,72 |
9 274,31 |
1 078 466,13 |
|
Jetysu reg. |
193 827,85 |
1 740 967,09 |
3 376,59 |
279 987,56 |
|
Abay reg. |
123 754,31 |
1 093 745,55 |
3 426,44 |
283 326,70 |
|
Ulytau reg. |
49 179,66 |
527 300,81 |
1 292,32 |
132 378,39 |
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 |
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|
Specifications |
January-June 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
6 974 010,1 |
91 238 400,6 |
109 882,3 |
12 559 497,6 |
|
POS - terminal |
1 496 144,8 |
9 165 574,8 |
1 332,7 |
1 168 200,0 |
|
ATM |
316,3 |
29 313,9 |
108 150,2 |
11 209 410,3 |
|
Internet and mobile phone |
3 486 175,2 |
72 071 362,4 |
- |
- |
|
Payment terminals |
19 717,3 |
64 542,8 |
399,4 |
181 887,2 |
|
QR-code |
1 971 656,4 |
9 907 606,8 |
- |
- |
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-June |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
128 979,7 |
2 153 306,2 |
2 688,4 |
221 361,3 |
|
POS - terminal |
37 772,9 |
861 112,2 |
18,8 |
6 425,6 |
|
ATM |
81,5 |
3 682,9 |
2 665,7 |
213 068,7 |
|
Internet and mobile phone |
88 586,3 |
1 185 369,2 |
- |
- |
|
others |
2 539,0 |
103 141,9 |
3,8 |
1 867,0 |
|
2026 |
||||
|
Total, incl. |
178 565,0 |
2 486 210,8 |
2 058,3 |
178 202,2 |
|
POS - terminal |
40 419,8 |
842 138,6 |
15,7 |
6 831,1 |
|
ATM |
83,2 |
6 633,8 |
2 042,3 |
171 369,6 |
|
Internet and mobile phone |
135 074,1 |
1 545 536,7 |
- |
- |
|
others |
2 987,8 |
91 901,7 |
0,2 |
1,5 |
