Version¹ 277 от 30/10/2026
As of October 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 October 01, 2026, 85.4 million payment cards are in circulation. The most common are debit cards, their share is 82.0%, the share of credit cards is 15.2%. Debit cards with a credit limit and prepaid cards account for 2.8%.
In September 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 19.1 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 8.3% and reached up to 1.3 bln transactions, the volume increased by 7.0%, amounting to 16.9 trillion tenge. The holders of payment cards carried out 17.4 million cash withdrawal operations in the amount of 2.2 trillion tenge. There is a decrease in the number of cash withdrawal operations compared to September 2025 by 9.7%, and of the volume of cash withdrawal operations by 6.4%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (76.5% of the total number of transactions and 89.3% of the total volume of non-cash payments and money transfers) and POS terminals (22.7% and 10.2% 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 88.2% 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 |
01.10.2025 |
01.10.2026 |
|
Total number of cards in circulation (thousand), of which: |
82 997,8 |
85 447,0 |
|
local systems |
27 706,4 |
28 527,1 |
|
international systems, of which: |
55 291,5 |
56 919,9 |
|
Visa International, of which: |
39 487,7 |
41 545,3 |
|
debit |
36 417,7 |
38 644,7 |
|
credit |
646,4 |
618,1 |
|
Debit cards with credit limit and prepaid |
2 423,5 |
2 282,5 |
|
MasterCard Worldwide, of which: |
14 795,3 |
14 466,7 |
|
debit |
14 135,0 |
14 049,9 |
|
credit |
105,4 |
392,6 |
|
Debit cards with credit limit and prepaid |
554,8 |
24,2 |
|
UnionPay International, of which: |
857,4 |
758,1 |
|
debit |
857,4 |
758,1 |
|
credit |
0,02 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
41 429,8 |
42 088,8 |
|
local systems |
17 171,2 |
17 498,1 |
|
international systems, of which: |
24 258,6 |
24 590,7 |
|
Visa International, of which: |
20 421,0 |
21 134,4 |
|
debit |
19 844,2 |
20 602,8 |
|
credit |
248,3 |
171,1 |
|
Debit cards with credit limit and prepaid |
328,5 |
360,5 |
|
MasterCard Worldwide, of which: |
3 401,0 |
3 129,2 |
|
debit |
3 277,6 |
3 023,5 |
|
credit |
29,0 |
95,4 |
|
Debit cards with credit limit and prepaid |
94,4 |
10,4 |
|
UnionPay International, of which: |
385,0 |
280,6 |
|
debit |
385,0 |
280,6 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.10.2025 |
01.10.2026 |
|
Number of POS - terminals (units), of which: |
1 389 944 |
1 372 647 |
|
commercial enterprises |
1 382 450 |
1 365 882 |
|
Banks |
7 494 |
6 765 |
|
Number of ATM (units), of which: |
12 841 |
13 212 |
|
with cash distribution function |
3 282 |
2 712 |
|
with cash reception and distribution functions |
9 559 |
10 500 |
|
Number of commercial enterprises (units) |
934 020 |
973 247 |
|
Number of users of online bank service (thousand units) |
27 517,7 |
31 082,0 |
|
Table 2 |
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|
Specifications |
As of 01.10.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
70 029,2 |
13 014,5 |
2 403,4 |
37 614,1 |
4 077,4 |
397,3 |
|
Akmola region |
2 106,4 |
458,4 |
103,8 |
1 190,5 |
143,6 |
18,7 |
|
Aktobe region |
3 054,5 |
663,8 |
122,1 |
1 604,5 |
210,1 |
19,9 |
|
Almaty region |
3 407,9 |
1 111,7 |
230,3 |
2 306,1 |
361,3 |
36,1 |
|
Atyrau region |
2 414,8 |
498,9 |
88,9 |
1 314,5 |
161,7 |
12,4 |
|
East Kazakhstan reg. |
2 190,8 |
481,6 |
151,1 |
1 195,8 |
147,1 |
25,6 |
|
Jambul region |
3 186,9 |
692,4 |
148,8 |
1 734,9 |
205,8 |
15,9 |
|
West Kazakhstan reg. |
2 240,5 |
489,2 |
89,8 |
1 180,5 |
150,2 |
13,7 |
|
Karaganda region |
3 774,5 |
775,4 |
146,1 |
2 082,3 |
241,8 |
27,5 |
|
Kostanai region |
2 530,6 |
506,6 |
102,5 |
1 387,3 |
158,7 |
20,8 |
|
Kyzylorda region |
2 625,1 |
547,8 |
123,3 |
1 293,8 |
164,8 |
12,2 |
|
Mangistau region |
2 516,8 |
544,6 |
82,1 |
1 413,6 |
184,1 |
11,6 |
|
Pavlodar region |
2 452,2 |
493,6 |
99,2 |
1 342,0 |
154,7 |
20,4 |
|
North Kazakhstan reg. |
1 564,9 |
287,3 |
60,0 |
851,5 |
81,9 |
11,6 |
|
Turkestan reg. |
3 915,1 |
1 208,3 |
231,0 |
2 635,2 |
331,9 |
24,7 |
|
Almaty city |
16 029,8 |
1 464,4 |
252,3 |
8 494,5 |
470,0 |
56,9 |
|
Shymkent city |
5 178,0 |
793,8 |
73,2 |
1 966,5 |
243,7 |
9,9 |
|
Astana city |
6 113,3 |
1 071,0 |
220,8 |
3 070,6 |
383,6 |
49,4 |
|
Jetysu reg. |
2 164,8 |
391,4 |
32,3 |
1 134,8 |
116,4 |
3,7 |
|
Abay reg. |
1 977,9 |
384,8 |
32,7 |
1 035,7 |
118,1 |
4,7 |
|
Ulytau reg. |
584,5 |
149,6 |
13,0 |
379,6 |
47,9 |
1,8 |
|
Table 3 |
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|
Specifications |
As of 01.10.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 372 647 |
13 212 |
973 247 |
1 274 054 |
|
Akmola region |
51 958 |
420 |
35 307 |
48 025 |
|
Aktobe region |
61 287 |
657 |
45 251 |
57 679 |
|
Almaty region |
73 432 |
329 |
62 460 |
69 712 |
|
Atyrau region |
52 851 |
584 |
36 806 |
49 863 |
|
East Kazakhstan reg. |
43 865 |
629 |
31 137 |
40 296 |
|
Jambul region |
59 629 |
595 |
44 787 |
56 184 |
|
West Kazakhstan reg. |
41 509 |
477 |
31 387 |
38 932 |
|
Karaganda region |
76 064 |
978 |
54 653 |
70 480 |
|
Kostanai region |
58 532 |
512 |
39 395 |
54 078 |
|
Kyzylorda region |
35 291 |
417 |
28 640 |
33 323 |
|
Mangistau region |
44 669 |
596 |
35 196 |
42 287 |
|
Pavlodar region |
53 679 |
622 |
34 609 |
49 414 |
|
North Kazakhstan reg. |
28 890 |
353 |
18 903 |
26 547 |
|
Turkestan reg. |
59 667 |
381 |
51 095 |
56 984 |
|
Almaty city |
309 938 |
2 356 |
184 958 |
281 358 |
|
Shimkent city |
77 054 |
856 |
59 316 |
72 466 |
|
Astana city |
171 171 |
1 520 |
121 807 |
157 518 |
|
Jetysu reg. |
29 618 |
327 |
23 902 |
27 914 |
|
Abay reg. |
31 278 |
402 |
24 718 |
29 337 |
|
Ulytau reg. |
12 265 |
201 |
8 920 |
11 657 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-September |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
10 356 153,5 |
177 183,3 |
|
local systems |
8 634 174,0 |
62 754,9 |
|
international systems, of which: |
1 721 979,5 |
114 428,4 |
|
Visa International |
1 442 042,0 |
95 053,3 |
|
MasterCard Worldwide |
264 131,1 |
15 133,9 |
|
UnionPay International |
13 184,7 |
4 110,5 |
|
Volume (mln.tenge), of which; |
136 640 439,8 |
20 437 382,3 |
|
local systems |
104 394 570,9 |
5 629 292,1 |
|
international systems, of which: |
32 245 868,9 |
14 808 090,2 |
|
Visa International |
24 827 254,3 |
12 291 024,6 |
|
MasterCard Worldwide |
7 089 398,1 |
2 137 951,1 |
|
UnionPay International |
258 703,2 |
362 620,6 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
11 032 412,4 |
165 602,4 |
|
local systems |
9 095 221,45 |
65 150,85 |
|
international systems, of which: |
1 937 190,91 |
100 451,58 |
|
Visa International |
1 598 169,18 |
85 926,09 |
|
MasterCard Worldwide |
324 307,88 |
11 645,84 |
|
UnionPay International |
12 313,51 |
2 740,34 |
|
Volume (mln.tenge), of which; |
144 860 859,1 |
19 427 681,9 |
|
local systems |
108 579 073,5 |
6 131 248,4 |
|
international systems, of which: |
36 281 785,6 |
13 296 433,5 |
|
Visa International |
28 135 497,6 |
11 285 525,4 |
|
MasterCard Worldwide |
7 834 213,8 |
1 721 759,7 |
|
UnionPay International |
244 360,4 |
269 016,4 |
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-September 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 789 558,6 |
142 405 352,9 |
173 619,1 |
19 633 788,5 |
|
Akmola region |
216 345,49 |
2 240 883,87 |
4 800,55 |
442 878,22 |
|
Aktobe region |
372 376,18 |
3 601 137,67 |
8 065,74 |
696 191,63 |
|
Almaty region |
417 151,01 |
4 616 359,77 |
2 975,84 |
371 849,19 |
|
Atyrau region |
322 626,45 |
3 359 828,98 |
5 326,55 |
537 175,60 |
|
East Kazakhstan reg. |
218 593,53 |
2 233 444,20 |
5 943,64 |
584 512,96 |
|
Jambul region |
395 425,00 |
3 944 814,48 |
8 862,01 |
799 290,99 |
|
West Kazakhstan reg. |
246 293,74 |
2 397 121,64 |
5 159,68 |
432 694,41 |
|
Karaganda region |
406 370,17 |
4 376 700,11 |
11 351,09 |
1 034 094,86 |
|
Kostanai region |
242 601,98 |
2 314 763,93 |
6 417,92 |
616 444,23 |
|
Kyzylorda region |
287 781,35 |
2 711 970,43 |
5 666,22 |
509 574,46 |
|
Mangistau region |
328 818,90 |
3 394 858,09 |
6 018,51 |
656 971,98 |
|
Pavlodar region |
252 225,31 |
2 425 273,53 |
7 369,85 |
647 745,46 |
|
North Kazakhstan reg. |
118 823,01 |
1 035 578,57 |
3 974,83 |
354 192,75 |
|
Turkestan reg. |
493 486,69 |
4 813 903,29 |
4 530,66 |
461 991,60 |
|
Almaty city |
4 154 039,19 |
71 649 020,38 |
45 540,79 |
6 794 349,74 |
|
Astana city |
1 047 028,29 |
12 701 991,22 |
15 643,72 |
1 991 650,84 |
|
Shimkent city |
701 206,30 |
9 218 090,99 |
13 850,54 |
1 644 005,68 |
|
Jetysu reg. |
302 767,00 |
2 822 784,49 |
5 052,96 |
429 083,22 |
|
Abay reg. |
190 034,83 |
1 741 896,51 |
5 131,54 |
431 626,52 |
|
Ulytau reg. |
75 564,14 |
804 930,75 |
1 936,52 |
197 464,16 |
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-September 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
10 812 263,3 |
142 914 695,2 |
165 039,9 |
19 296 449,6 |
|
POS - terminal |
2 383 871,9 |
14 355 374,1 |
1 959,6 |
1 813 683,0 |
|
ATM |
484,0 |
44 725,2 |
162 445,3 |
17 187 614,4 |
|
Internet and mobile phone |
5 315 290,4 |
112 916 962,8 |
- |
- |
|
Payment terminals |
40 127,3 |
125 584,0 |
635,1 |
295 152,2 |
|
QR-code |
3 072 489,7 |
15 472 049,2 |
- |
- |
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-September |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
196 085,1 |
3 330 783,1 |
3 867,5 |
326 251,4 |
|
POS - terminal |
56 940,1 |
1 328 941,5 |
28,5 |
9 790,8 |
|
ATM |
139,7 |
6 546,3 |
3 833,8 |
313 593,4 |
|
Internet and mobile phone |
135 219,3 |
1 840 800,1 |
- |
- |
|
others |
3 786,0 |
154 495,2 |
5,2 |
2 867,1 |
|
2026 |
||||
|
Total, incl. |
267 366,6 |
3 774 732,8 |
3 045,8 |
262 359,9 |
|
POS - terminal |
63 917,3 |
1 315 091,7 |
23,3 |
9 704,3 |
|
ATM |
81,2 |
9 881,6 |
3 022,6 |
252 655,6 |
|
Internet and mobile phone |
198 558,3 |
2 312 273,4 |
- |
- |
|
others |
4 809,9 |
137 486,2 |
- |
- |
