Version ¹174 on 27/02/2019
As of February 01, 2019 actual origination of the payment cards were mainly realized by 22 banks and JSC «Kazpost». These institutes issue and distribute payment cards of the international systems like Visa International, Master Card, UnionPay International, American Express International and Diners Club International. Beside banks of Kazakhstan issue payment cards of the local systems like Altyn Card – JSC «Halyk Bank of Kazakhstan» and local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan».
As of February 01, 2019 banks have issued 23,7 mln. payment cards and a number of card holders reached 19,5 mln. (in comparison with the situation on the same date of 2018, there is a growth of 21,8% and 13,8% respectively). The most widespread ones are the debit cards with the share of 75,5%, the share of credit cards – 20,9%. The share of debit cards with credit limit and share of prepaid cards is 2,0% and 1,6% respectively.
In January 2019 the volume of transactions with payment cards issued by the Kazakhstan originators was 1 930,1 bln. tenge (growth against January 2018 has totaled 54,0%). The number of transactions reached 95,4 mln. and increased by 99,6% versus January 2018. At that, the number of payments of the cashless payments increased by 2,3 times and its amount went up to 91,3% (number of transactions 66,5 mln. transactions and the volume of transactions – 678,2 bln. tenge), operations with cash withdrawals 58,0% (number of transactions – 28,9 mln. transactions) and 39,3% (the volume of transactions – 1 251,9 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (59,0% and 37,0% out of the total number of payments and volume of cashless payments) and Internet/mobile banking (39,9% and 60,4% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (92,3% and 85,7% out of the total number of payments and volume of cash withdrawal transactions).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-6.
|
Table 1 |
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|
Specifications |
As of 01.02.18 |
As of 01.02.19 |
|
Total number of cards in circulation (thousand), of which: |
19 418,7 |
23 661,4 |
|
local systems |
86,5 |
12,4 |
|
international systems, of which: |
19 332,1 |
23 649,0 |
|
Visa International, of which: |
12 505,6 |
15 068,0 |
|
debit |
9 137,5 |
9 561,7 |
|
credit |
2 681,3 |
4 718,6 |
|
Debit cards with credit limit and prepaid |
686,8 |
787,7 |
|
MasterCard Worldwide, of which: |
5 421,3 |
7 024,2 |
|
debit |
5 241,4 |
6 792,5 |
|
credit |
144,4 |
177,6 |
|
Debit cards with credit limit and prepaid |
35,6 |
54,2 |
|
Number of card holders (thousand), of which: |
17 088,9 |
19 452,1 |
|
local systems |
71,1 |
11,2 |
|
international systems, of which: |
17 017,7 |
19 440,9 |
|
Visa International, of which: |
11 144,2 |
12 139,3 |
|
MasterCard Worldwide, of which: |
4 738,3 |
6 154,8 |
|
Number of used cards (thousand), of which: |
9 476,3 |
12 097,3 |
|
local systems |
32,6 |
8,5 |
|
international systems, of which: |
9 443,7 |
12 088,8 |
|
Visa International, of which: |
5 954,2 |
7 258,6 |
|
debit |
4 360,0 |
4 453,1 |
|
credit |
1 271,4 |
2 563,9 |
|
Debit cards with credit limit and prepaid |
322,8 |
241,7 |
|
MasterCard Worldwide, of which: |
2 675,0 |
3 981,1 |
|
debit |
2 578,7 |
3 881,9 |
|
credit |
82,4 |
82,1 |
|
Debit cards with credit limit and prepaid |
13,8 |
17,1 |
|
Number of POS - terminals (units), of which: |
127 987 |
137 036 |
|
commercial enterprises |
117 995 |
128 515 |
|
banks |
9 992 |
8 521 |
|
Number of ATM (units) , of which: |
9 700 |
10 891 |
|
with cash distribution function |
8 034 |
7 732 |
|
with cash reception and distribution functions |
1 666 |
3 159 |
|
Number of commercial enterprises (units) |
79 773 |
83 822 |
|
Number payment terminals and bank’s booths (units)[1] |
16 332 |
17 287 |
|
Table 2 |
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|
Specifications |
As of 01.02.19 |
||||||
|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
||
|
Total, incl. |
17 883,4 |
4 935,8 |
842,2 |
19 452,1 |
9 169,2 |
2 669,0 |
259,1 |
|
Akmola region |
470,8 |
10,9 |
20,8 |
426,6 |
237,0 |
4,7 |
9,7 |
|
Aktobe region |
749,7 |
18,6 |
33,8 |
666,9 |
345,5 |
8,5 |
16,6 |
|
Almaty region |
796,9 |
12,9 |
34,2 |
728,7 |
396,7 |
5,5 |
17,0 |
|
Atyrau region |
743,1 |
20,3 |
21,0 |
632,7 |
336,4 |
9,8 |
9,3 |
|
East Kazakhstan reg. |
1 124,5 |
27,3 |
56,3 |
1 041,8 |
588,1 |
11,3 |
16,1 |
|
Jambul region |
685,1 |
8,8 |
16,9 |
613,7 |
351,7 |
4,4 |
4,4 |
|
West Kazakhstan reg. |
518,8 |
16,4 |
12,7 |
466,2 |
244,4 |
6,7 |
2,6 |
|
Karaganda region |
1 246,3 |
30,4 |
74,5 |
1 114,8 |
628,7 |
13,5 |
33,5 |
|
Kostanai region |
655,0 |
15,0 |
24,2 |
602,3 |
338,9 |
6,9 |
10,5 |
|
Kyzylorda region |
527,9 |
8,8 |
35,2 |
468,0 |
257,4 |
4,3 |
22,1 |
|
Mangistau region |
662,1 |
17,2 |
16,2 |
561,9 |
300,1 |
7,8 |
4,7 |
|
Pavlodar region |
696,5 |
19,4 |
25,7 |
638,2 |
352,5 |
9,4 |
7,8 |
|
North Kazakhstan reg. |
380,8 |
9,0 |
13,3 |
356,7 |
206,2 |
4,1 |
8,4 |
|
South Kazakhstan reg. |
1 627,0 |
22,5 |
70,0 |
1 473,5 |
787,8 |
9,0 |
15,9 |
|
Almaty city |
5 535,6 |
4 655,4 |
340,8 |
8 395,0 |
3 197,8 |
2 538,9 |
69,0 |
|
Astana city |
1 463,4 |
42,9 |
46,5 |
1 265,1 |
600,0 |
24,1 |
11,5 |
|
Table 3 |
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|
Specifications |
As of 01.02.19 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
137 036 |
10 891 |
83 822 |
17 287 |
|
Akmola region |
2 946 |
332 |
1 922 |
539 |
|
Aktobe region |
6 796 |
508 |
4 318 |
923 |
|
Almaty region |
3 090 |
432 |
1 548 |
472 |
|
Atyrau region |
4 400 |
548 |
2 429 |
779 |
|
East Kazakhstan reg. |
7 736 |
813 |
4 267 |
1 547 |
|
Jambul region |
2 484 |
397 |
1 178 |
749 |
|
West Kazakhstan reg. |
4 470 |
378 |
2 472 |
709 |
|
Karaganda region |
10 593 |
866 |
6 519 |
1 856 |
|
Kostanai region |
8 140 |
439 |
5 383 |
940 |
|
Kyzylorda region |
1 869 |
337 |
878 |
567 |
|
Mangistau region |
4 485 |
839 |
2 638 |
498 |
|
Pavlodar region |
7 233 |
556 |
4 356 |
906 |
|
North Kazakhstan reg. |
2 962 |
315 |
1 465 |
692 |
|
South Kazakhstan reg. |
5 638 |
773 |
2 850 |
1 312 |
|
Almaty city |
38 704 |
1 931 |
24 922 |
3 234 |
|
Astana city |
25 490 |
1 427 |
16 677 |
1 564 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January |
|
|
Cashless payments |
Cash withdrawals |
|
|
2018 |
||
|
Number of transactions (thousand) of which; |
29 512,7 |
18 265,3 |
|
local systems |
2,6 |
21,6 |
|
international systems, of which: |
29 510,1 |
18 243,7 |
|
Visa International |
17 551,0 |
10 953,2 |
|
MasterCard Worldwide |
11 676,7 |
6 101,8 |
|
Volume (mln.tenge), of which; |
354 532,3 |
898 805,0 |
|
local systems |
2 477,9 |
958,9 |
|
international systems, of which: |
352 054,4 |
897 846,1 |
|
Visa International |
226 187,0 |
588 009,5 |
|
MasterCard Worldwide |
121 612,4 |
263 620,2 |
|
2019 |
||
|
Number of transactions (thousand) of which; |
66 521,0 |
28 865,5 |
|
local systems |
2,4 |
10,4 |
|
international systems, of which: |
66 518,6 |
28 855,1 |
|
Visa International |
19 242,6 |
12 922,7 |
|
MasterCard Worldwide |
45 987,2 |
14 735,7 |
|
Volume (mln.tenge), of which; |
678 199,3 |
1 251 929,8 |
|
local systems |
3 686,1 |
555,8 |
|
international systems, of which: |
674 513,3 |
1 251 374,1 |
|
Visa International |
221 181,8 |
702 154,6 |
|
MasterCard Worldwide |
427 005,0 |
497 501,8 |
|
Dynamics |
||
|
Number |
2,3 times |
58,0% |
|
local systems |
-8,1% |
-52,0% |
|
international systems, of which: |
2,3 times |
58,2% |
|
Visa International |
9,6% |
18,0% |
|
MasterCard Worldwide |
3,9 times |
2,4 times |
|
Volume |
91,3% |
39,3% |
|
local systems |
48,8% |
-42,0% |
|
international systems, of which: |
91,6% |
39,4% |
|
Visa International |
-2,2% |
19,4% |
|
MasterCard Worldwide |
3,5 times |
88,7% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
59 012,3 |
585 194,9 |
26 446,5 |
1 209 770,8 |
|
Akmola region |
479,6 |
12 693,4 |
753,6 |
30 034,6 |
|
Aktobe region |
854,7 |
10 244,8 |
1 244,5 |
50 423,3 |
|
Almaty region |
2 798,9 |
58 003,8 |
1 320,0 |
57 870,9 |
|
Atyrau region |
838,2 |
12 442,7 |
1 242,2 |
61 314,4 |
|
East Kazakhstan reg. |
607,7 |
9 012,6 |
1 934,2 |
75 444,1 |
|
Jambul region |
339,5 |
4 505,4 |
1 059,3 |
36 101,8 |
|
West Kazakhstan reg. |
682,8 |
8 332,3 |
908,6 |
35 551,9 |
|
Karaganda region |
2 548,5 |
20 883,9 |
2 200,9 |
81 088,4 |
|
Kostanai region |
1 081,3 |
7 923,5 |
1 040,8 |
42 779,0 |
|
Kyzylorda region |
231,4 |
2 721,1 |
847,8 |
36 685,1 |
|
Mangistau region |
532,2 |
7 623,1 |
1 164,1 |
65 894,3 |
|
Pavlodar region |
642,7 |
6 620,4 |
1 122,3 |
46 776,7 |
|
North Kazakhstan reg. |
271,5 |
3 133,4 |
576,4 |
24 586,5 |
|
South Kazakhstan reg. |
1 689,6 |
11 550,5 |
1 962,5 |
107 675,9 |
|
Almaty city |
39 289,4 |
360 800,0 |
6 353,7 |
316 247,3 |
|
Astana city |
6 124,3 |
48 703,9 |
2 715,7 |
141 296,5 |
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 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
59 012,3 |
585 194,9 |
26 446,5 |
1 209 770,8 |
|
POS - terminal |
34 843,8 |
216 487,2 |
2 032,3 |
173 217,6 |
|
ATM |
622,5 |
15 445,8 |
24 414,2 |
1 036 553,2 |
|
Internet and mobile phone |
23 545,4 |
353 214,5 |
- |
- |
|
Bank’s booths |
0,7 |
47,5 |
- |
- |
