Version ¹123 on 01/11/2014
As of November 01, 2014 actual origination of the payment cards were mainly realized by 28 banks and JSC “Kazpost”. These institutes issue and distribute payment cards of the international systems (their share consists of 95,0%) like Visa International, Master Card, American Express International and UnionPay International. Beside banks of Kazakhstan issue payment cards of the local systems like Altyn Card – JSC “Halyk Bank of Kazakhstan”; Smart Alem Card – JSC “BTA Bank” and local card of Citibank Kazakhstan – JSC “Citibank Kazakhstan”.
As of November 01, 2014 banks have issued 17,0 mln. payment cards and a number of card holders reached 15,0 mln. (comparing the situation with the same date of 2013, there is a growth of 13,0% and 11,4% respectively). The most widespread ones are the debit cards with the share of 74,6%, the share of credit cards - 19,8%. The share of debit cards with credit limit and share of prepaid cards is 1,5% and 4,1% respectively.
In October 2014 the volume of transactions with credit cards issued by the Kazakhstan originators was 688,1 bln. tenge (growth against October 2013 has totaled 22,3%). The number of transactions reached 20,9 mln. and increased by 14,0% versus September 2013. At that, the number of payments and amount of the cashless payments went up to 19,5% (number of transactions 5,6 mln. transactions) and 1,4% (the volume of transactions - 83,1 bln. tenge), operations with cash withdrawals 12,1% (number of transactions -15,3 mln. transactions) and 25,9%( the volume of transactions - 605,0 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (55,2% and 72,1% out of the total number of payments and volume of cashless payments) and ATMs (26,7% and 17,8% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (96,4% and 83,5% 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 |
||
|
Specifications |
As of 01.11.13 |
As of 01.11.14 |
|
Total number of cards in circulation (thousand), of which: |
15 027,0 |
16 987,6 |
|
local systems |
718,2 |
846,3 |
|
international systems, of which: |
14 308,7 |
16 141,3 |
|
Visa International, of which: |
12 365,0 |
14 028,9 |
|
debit |
8 943,2 |
9 891,4 |
|
credit |
3 081,4 |
3 265,2 |
|
Debit cards with credit limit and prepaid |
340,4 |
872,2 |
|
MasterCard Worldwide, of which: |
1 902,9 |
2 040,7 |
|
debit |
1 757,9 |
1 879,8 |
|
credit |
79,3 |
87,4 |
|
Debit cards with credit limit and prepaid |
65,6 |
73,5 |
|
Number of card holders (thousand), of which: |
13 388,3 |
14 912,7 |
|
local systems |
660,9 |
754,6 |
|
international systems, of which: |
12 727,4 |
14 158,0 |
|
Visa International, of which: |
10 949,2 |
12 233,4 |
|
MasterCard Worldwide, of which: |
1 739,6 |
1 858,1 |
|
Number of used cards (thousand), of which: |
6 261,5 |
6 815,0 |
|
local systems |
449,3 |
529,8 |
|
international systems, of which: |
5 812,2 |
6 285,2 |
|
Visa International, of which: |
4 841,2 |
5 279,3 |
|
debit |
4 294,2 |
4 505,4 |
|
credit |
325,3 |
330,0 |
|
Debit cards with credit limit and prepaid |
221,8 |
443,8 |
|
MasterCard Worldwide, of which: |
953,3 |
957,0 |
|
debit |
882,7 |
877,3 |
|
credit |
35,0 |
33,2 |
|
Debit cards with credit limit and prepaid |
35,5 |
46,5 |
|
Number of POS - terminals (units), of which: |
42 273 |
59 774 |
|
commercial enterprises |
36 054 |
53 293 |
|
banks |
6 219 |
6 481 |
|
Numbers of imprinters (units), of which: |
168 |
168 |
|
commercial enterprises |
60 |
60 |
|
banks |
108 |
108 |
|
Number of ATM (units) , of which: |
8 864 |
9 099 |
|
with cash distribution function |
7 744 |
7 944 |
|
with cash reception and distribution functions |
1 120 |
1 155 |
|
Number of commercial enterprises (units) |
19 988 |
34 033 |
|
Number of bank’s booths (units) |
3 314 |
1 312 |
|
Number of payment terminals (units)[1] |
- |
12 221 |
|
Table 2 |
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|
Specifications |
As of 01.11.14 |
||||||
|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand |
|||||
|
debit |
credit |
other[2] |
debit |
credit |
others |
||
|
Total, incl. |
12 671,1 |
3 370,6 |
945,8 |
14 912,7 |
5 949,4 |
375,2 |
490,3 |
|
Akmola region |
363,2 |
3,6 |
8,9 |
351,2 |
204,4 |
1,3 |
5,4 |
|
Aktobe region |
640,1 |
6,0 |
8,3 |
604,9 |
315,5 |
2,5 |
4,3 |
|
Almaty region |
562,4 |
7,0 |
22,5 |
547,8 |
303,6 |
1,6 |
12,6 |
|
Atyrau region |
579,4 |
9,0 |
15,2 |
541,9 |
267,3 |
3,6 |
8,4 |
|
East Kazakhstan reg. |
1 029,8 |
13,9 |
19,5 |
941,5 |
507,1 |
4,3 |
11,8 |
|
Jambul region |
502,7 |
3,9 |
5,5 |
476,1 |
293,0 |
1,1 |
3,3 |
|
West Kazakhstan reg. |
436,5 |
6,7 |
6,9 |
404,9 |
208,0 |
2,2 |
3,4 |
|
Karaganda region |
1 052,4 |
11,4 |
28,4 |
979,1 |
573,5 |
4,4 |
17,1 |
|
Kostanai region |
544,2 |
4,8 |
6,4 |
491,7 |
291,7 |
2,2 |
3,2 |
|
Kyzylorda region |
444,1 |
4,2 |
6,0 |
411,4 |
239,3 |
1,2 |
3,2 |
|
Mangistau region |
522,6 |
7,0 |
16,2 |
493,2 |
255,8 |
2,3 |
9,5 |
|
Pavlodar region |
642,8 |
10,1 |
18,9 |
593,1 |
311,9 |
4,2 |
11,9 |
|
North Kazakhstan reg. |
303,9 |
2,8 |
5,6 |
286,3 |
167,7 |
1,1 |
3,4 |
|
South Kazakhstan reg. |
1 070,4 |
9,4 |
31,7 |
1 028,8 |
563,3 |
2,1 |
20,1 |
|
Almaty city |
2 972,4 |
3 253,0 |
716,6 |
5 806,8 |
997,5 |
331,9 |
356,8 |
|
Astana city |
1 004,3 |
17,8 |
29,4 |
954,0 |
450,1 |
9,1 |
15,9 |
|
Table 3 |
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|
Specifications |
As of 01.11.14 |
|||||
|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
Number of payment terminals |
|
|
Total, incl. |
59 774 |
168 |
9 099 |
34 033 |
1 312 |
12 221 |
|
Akmola region |
1 324 |
- |
308 |
711 |
46 |
447 |
|
Aktobe region |
2 331 |
5 |
467 |
1 109 |
66 |
778 |
|
Almaty region |
1 516 |
3 |
359 |
840 |
58 |
400 |
|
Atyrau region |
2 363 |
4 |
525 |
1 042 |
61 |
480 |
|
East Kazakhstan reg. |
3 476 |
17 |
728 |
1 779 |
106 |
1 142 |
|
Jambul region |
996 |
4 |
326 |
539 |
60 |
468 |
|
West Kazakhstan reg. |
1 958 |
5 |
344 |
984 |
60 |
510 |
|
Karaganda region |
4 765 |
11 |
795 |
3 010 |
168 |
1 252 |
|
Kostanai region |
3 413 |
6 |
375 |
2 030 |
53 |
826 |
|
Kyzylorda region |
777 |
3 |
307 |
344 |
32 |
348 |
|
Mangistau region |
1 938 |
5 |
490 |
1 044 |
78 |
303 |
|
Pavlodar region |
2 866 |
6 |
531 |
1 609 |
87 |
761 |
|
North Kazakhstan reg. |
1 509 |
2 |
277 |
792 |
40 |
619 |
|
South Kazakhstan reg. |
2 711 |
6 |
582 |
1 405 |
72 |
1 002 |
|
Almaty city |
20 481 |
80 |
1 757 |
12 534 |
227 |
1 914 |
|
Astana city |
7 350 |
11 |
928 |
4 261 |
98 |
971 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
October |
|
|
Cashless payments |
Cash withdrawals |
|
|
2013 |
||
|
Number of transactions (thousand) of which; |
4 683,9 |
13 658,5 |
|
local systems |
90,8 |
751,7 |
|
international systems, of which: |
4 593,2 |
12 906,8 |
|
Visa International |
3 645,5 |
10 036,2 |
|
MasterCard Worldwide |
628,2 |
2 035,4 |
|
Volume (mln.tenge), of which; |
81 923,2 |
480 687,1 |
|
local systems |
1 326,9 |
21 449,5 |
|
international systems, of which: |
80 596,3 |
459 237,6 |
|
Visa International |
61 321,8 |
353 712,1 |
|
MasterCard Worldwide |
9 239,0 |
66 966,1 |
|
2014 |
||
|
Number of transactions (thousand) of which; |
5 598,4 |
15 308,0 |
|
local systems |
95,5 |
914,4 |
|
international systems, of which: |
5 502,9 |
14 393,5 |
|
Visa International |
4 632,7 |
12 147,4 |
|
MasterCard Worldwide |
820,5 |
2 213,0 |
|
Volume (mln.tenge), of which; |
83 064,4 |
605 002,7 |
|
local systems |
3 110,3 |
28 129,4 |
|
international systems, of which: |
79 954,0 |
576 873,3 |
|
Visa International |
68 673,8 |
497 559,1 |
|
MasterCard Worldwide |
10 228,5 |
78 108,3 |
|
Dynamics (%) |
||
|
Number |
19,5% |
12,1% |
|
local systems |
5,2% |
21,6% |
|
international systems, of which: |
19,8% |
11,5% |
|
Visa International |
27,1% |
21,0% |
|
MasterCard Worldwide |
30,6% |
8,7% |
|
Volume |
1,4% |
25,9% |
|
local systems |
134,4% |
31,1% |
|
international systems, of which: |
-0,8% |
25,6% |
|
Visa International |
12,0% |
40,7% |
|
MasterCard Worldwide |
10,7% |
16,6% |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 870,0 |
70 107,0 |
15 225,5 |
599 901,5 |
|
Akmola region |
39,6 |
1 004,8 |
464,9 |
15 469,9 |
|
Aktobe region |
141,9 |
3 374,5 |
799,8 |
28 309,6 |
|
Almaty region |
107,7 |
2 790,1 |
672,5 |
24 492,6 |
|
Atyrau region |
154,9 |
3 659,0 |
750,9 |
30 260,6 |
|
East Kazakhstan reg. |
167,5 |
1 839,4 |
1 205,7 |
41 181,8 |
|
Jambul region |
85,7 |
1 893,4 |
652,4 |
22 147,7 |
|
West Kazakhstan reg. |
101,8 |
2 466,3 |
555,0 |
19 067,5 |
|
Karaganda region |
194,1 |
2 466,9 |
1 358,7 |
48 264,9 |
|
Kostanai region |
492,4 |
1 425,1 |
659,1 |
22 711,1 |
|
Kyzylorda region |
119,8 |
1 122,4 |
491,6 |
19 735,8 |
|
Mangistau region |
162,4 |
2 959,6 |
673,4 |
36 190,4 |
|
Pavlodar region |
119,2 |
1 231,6 |
725,7 |
26 126,6 |
|
North Kazakhstan reg. |
51,6 |
744,8 |
408,7 |
12 923,0 |
|
South Kazakhstan reg. |
139,2 |
3 900,2 |
1 187,9 |
44 279,3 |
|
Almaty city |
2 148,6 |
29 162,9 |
3 020,1 |
142 684,4 |
|
Astana city |
643,5 |
10 066,0 |
1 599,1 |
66 056,3 |
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 |
October |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 870,0 |
70 107,0 |
15 225,5 |
599 901,5 |
|
POS - terminal |
2 525,7 |
49 010,7 |
545,2 |
99 626,7 |
|
ATM |
1 508,8 |
15 142,1 |
14 680,3 |
500 274,9 |
|
bank kiosk |
97,2 |
2 249,1 |
- |
- |
|
Internet |
719,8 |
3 686,2 |
- |
- |
|
mobile phone |
18,5 |
19,0 |
- |
- |
