Version ¹185 on 28/01/2020
As of January 01, 2020 actual origination of the payment cards were 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», local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of January 01, 2020 banks have issued 32,0 mln. payment cards and a number of card holders reached 29,8 mln. (in comparison with the situation on the same date of 2019, there is a growth of 37,0% and 57,0% respectively). The most widespread ones are the debit cards with the share of 79,4%, the share of credit cards – 16,7%. The share of debit cards with credit limit and share of prepaid cards is 2,2% and 1,7% respectively.
In 2019, the volume of transactions using payment cards of Kazakhstani issuers amounted to 30,4 trln. tenge (an increase of 52,1% compared to 2018). The number of transactions in 2019 amounted to 1,6 bln. transactions and increased by 94,0% compared to 2018. At the same time, the number of non-cash transactions increased 2,3 times (the number amounted to 1 195,6 million units) and the amount – 2,2 times (the volume amounted to 14,1 trln. tenge). Card holders conducted 375,8 million withdrawals in the amount of 16,3 trln. tenge. There is an increase in the number and volume of cash withdrawal operations compared to the corresponding indicators of 2018 by 31,2% and 20,2%, respectively.
The main bulk of cashless transactions in the territory of Kazakhstan has been made through POS-terminals (45,7% and 26,0% out of the total number of transactions and volume of cashless transactions) and Internet/mobile banking (53,7% and 72,6% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (93,5% and 86,5% out of the total number and volume of cash withdrawal transactions).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-6.
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Table 1 |
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|
Specifications |
As of 01.01.19 |
As of 01.01.20 |
|
Total number of cards in circulation (thousand), of which: |
23 389,9 |
32 048,3 |
|
local systems |
34,2 |
5 019,5 |
|
international systems, of which: |
23 355,7 |
27 028,8 |
|
Visa International, of which: |
14 814,3 |
16 103,9 |
|
debit |
9 472,8 |
9 878,8 |
|
credit |
4 564,9 |
5 084,2 |
|
Debit cards with credit limit and prepaid |
776,6 |
1 140,9 |
|
MasterCard Worldwide, of which: |
6 986,8 |
9 615,9 |
|
debit |
6 762,9 |
9 454,0 |
|
credit |
171,9 |
49,6 |
|
Debit cards with credit limit and prepaid |
51,9 |
112,4 |
|
Number of card holders (thousand), of which: |
18 979,7 |
29 793,3 |
|
local systems |
30,9 |
4 932,1 |
|
international systems, of which: |
18 948,8 |
24 861,2 |
|
Visa International, of which: |
11 863,6 |
14 352,6 |
|
MasterCard Worldwide, of which: |
5 966,5 |
9 219,8 |
|
Number of used cards (thousand), of which: |
11 381,4 |
18 176,4 |
|
local systems |
0,1 |
4 189,8 |
|
international systems, of which: |
11 381,3 |
13 986,6 |
|
Visa International, of which: |
6 744,3 |
6 888,7 |
|
debit |
4 735,0 |
4 556,7 |
|
credit |
1 673,6 |
1 783,7 |
|
Debit cards with credit limit and prepaid |
335,8 |
548,2 |
|
MasterCard Worldwide, of which: |
3 783,4 |
6 398,3 |
|
debit |
3 689,0 |
6 325,6 |
|
credit |
78,3 |
29,7 |
|
Debit cards with credit limit and prepaid |
16,0 |
43,0 |
|
Number of POS - terminals (units), of which: |
135 796 |
170 410 |
|
commercial enterprises |
126 979 |
161 690 |
|
banks |
8 817 |
8 720 |
|
Number of ATM (units) , of which: |
11 017 |
11 315 |
|
with cash distribution function |
7 956 |
6 749 |
|
with cash reception and distribution functions |
3 061 |
4 566 |
|
Number of commercial enterprises (units) |
82 527 |
96 428 |
|
Number payment terminals (units)[1] |
17 255 |
16 352 |
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Table 2 |
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|
Specifications |
As of 01.01.2020 |
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|
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. |
25 457,6 |
5 337,3 |
1 253,4 |
29 793,3 |
15 750,1 |
1 835,1 |
591,2 |
||
|
Akmola region |
647,6 |
131,8 |
30,9 |
766,6 |
401,6 |
41,2 |
12,1 |
||
|
Aktobe region |
1 236,3 |
297,4 |
46,1 |
1 469,6 |
758,9 |
100,9 |
19,4 |
||
|
Almaty region |
1 476,0 |
316,9 |
33,8 |
1 747,6 |
966,5 |
116,8 |
20,6 |
||
|
Atyrau region |
1 189,8 |
234,6 |
35,0 |
1 347,3 |
724,0 |
85,4 |
13,1 |
||
|
East Kazakhstan reg. |
1 617,8 |
368,6 |
78,3 |
1 934,7 |
992,6 |
116,9 |
21,6 |
||
|
Jambul region |
1 056,0 |
183,6 |
36,2 |
1 218,7 |
668,0 |
62,5 |
7,2 |
||
|
West Kazakhstan reg. |
879,7 |
201,8 |
23,7 |
1 034,9 |
546,4 |
65,1 |
5,0 |
||
|
Karaganda region |
1 967,1 |
408,0 |
104,7 |
2 329,3 |
1 256,9 |
138,7 |
56,7 |
||
|
Kostanai region |
965,0 |
204,0 |
32,4 |
1 112,9 |
611,8 |
61,5 |
11,9 |
||
|
Kyzylorda region |
859,9 |
201,4 |
44,8 |
1 025,0 |
536,4 |
80,9 |
24,1 |
||
|
Mangistau region |
1 058,9 |
230,6 |
25,6 |
1 219,7 |
640,4 |
84,0 |
7,2 |
||
|
Pavlodar region |
1 045,5 |
233,0 |
40,7 |
1 241,4 |
660,0 |
74,4 |
11,2 |
||
|
North Kazakhstan reg. |
507,5 |
99,4 |
16,0 |
582,8 |
314,8 |
30,5 |
8,8 |
||
|
Turkestan reg. and Shimkent city |
2 777,1 |
603,6 |
83,7 |
3 304,7 |
1 709,5 |
231,3 |
22,5 |
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|
Almaty city |
5 435,1 |
1 078,9 |
555,1 |
6 358,8 |
3 229,1 |
356,2 |
331,0 |
||
|
Nur-Sultan city |
2 738,2 |
543,8 |
66,2 |
3 099,3 |
1 733,3 |
188,7 |
19,0 |
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|
Table 3 |
||||
|
Specifications |
As of 01.01.2020 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of commercial enterprises |
Number of payment terminals and bank’s booths |
|
|
Total, incl. |
170 410 |
11 315 |
96 428 |
16 352 |
|
Akmola region |
3 643 |
345 |
2 386 |
575 |
|
Aktobe region |
8 363 |
538 |
4 922 |
915 |
|
Almaty region |
3 677 |
483 |
1 910 |
533 |
|
Atyrau region |
5 198 |
582 |
2 694 |
717 |
|
East Kazakhstan reg. |
9 770 |
855 |
5 003 |
1 516 |
|
Jambul region |
3 281 |
426 |
1 462 |
660 |
|
West Kazakhstan reg. |
5 537 |
417 |
2 895 |
687 |
|
Karaganda region |
13 491 |
956 |
7 552 |
1 695 |
|
Kostanai region |
9 879 |
446 |
6 237 |
915 |
|
Kyzylorda region |
2 442 |
367 |
1 097 |
545 |
|
Mangistau region |
4 999 |
570 |
2 677 |
462 |
|
Pavlodar region |
8 942 |
578 |
5 042 |
885 |
|
North Kazakhstan reg. |
3 782 |
318 |
1 845 |
682 |
|
Turkestan reg. and Shimkent city |
7 330 |
914 |
3 326 |
1 260 |
|
Almaty city |
49 289 |
2 176 |
28 574 |
2 918 |
|
Nur-Sultan city |
30 787 |
1 344 |
18 806 |
1 387 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-December |
|
|
Cashless transactions |
Cash withdrawals |
|
|
2018 |
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|
Number of transactions (thousand) of which; |
523 847,4 |
286 362,8 |
|
local systems |
35,7 |
355,6 |
|
international systems, of which: |
523 811,7 |
286 007,3 |
|
Visa International |
230 176,0 |
149 852,5 |
|
MasterCard Worldwide |
285 350,8 |
120 699,9 |
|
Volume (mln.tenge), of which; |
6 387 178,4 |
13 585 472,8 |
|
local systems |
38 272,3 |
17 519,0 |
|
international systems, of which: |
6 348 906,1 |
13 567 953,8 |
|
Visa International |
3 366 856,8 |
8 307 015,8 |
|
MasterCard Worldwide |
2 797 633,4 |
4 646 837,2 |
|
2019 |
||
|
Number of transactions (thousand) of which; |
1 195 626,6 |
375 828,5 |
|
local systems |
345 351,1 |
6 042,6 |
|
international systems, of which: |
850 275,4 |
369 785,9 |
|
Visa International |
225 845,7 |
147 768,3 |
|
MasterCard Worldwide |
619 030,0 |
207 097,1 |
|
Volume (mln.tenge), of which; |
14 050 810,0 |
16 324 576,7 |
|
local systems |
4 916 831,7 |
286 336,7 |
|
international systems, of which: |
9 133 978,3 |
16 038 240,1 |
|
Visa International |
3 681 473,5 |
8 036 068,2 |
|
MasterCard Worldwide |
5 354 718,2 |
7 320 578,3 |
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 |
2019 |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 146 727,6 |
13 304 413,7 |
348 455,4 |
15 918 095,9 |
|
Akmola region |
10 356,1 |
132 601,9 |
9 574,0 |
380 609,3 |
|
Aktobe region |
29 621,5 |
336 530,1 |
16 557,8 |
659 990,6 |
|
Almaty region |
41 149,8 |
525 583,4 |
18 067,4 |
788 728,5 |
|
Atyrau region |
27 008,9 |
427 919,0 |
15 856,9 |
757 676,0 |
|
East Kazakhstan reg. |
25 246,5 |
309 611,1 |
23 753,0 |
984 067,7 |
|
Jambul region |
15 209,5 |
181 597,7 |
14 616,5 |
596 763,6 |
|
West Kazakhstan reg. |
19 112,4 |
266 490,4 |
12 439,7 |
495 055,9 |
|
Karaganda region |
50 162,7 |
552 887,4 |
24 979,5 |
1 071 087,5 |
|
Kostanai region |
27 357,0 |
264 892,8 |
13 393,7 |
556 204,1 |
|
Kyzylorda region |
13 008,1 |
159 108,2 |
11 305,2 |
474 462,5 |
|
Mangistau region |
23 479,0 |
310 980,1 |
14 111,3 |
769 163,3 |
|
Pavlodar region |
24 279,4 |
242 256,1 |
14 672,9 |
600 743,0 |
|
North Kazakhstan reg. |
8 928,1 |
96 453,1 |
7 753,0 |
307 933,6 |
|
Turkestan reg. and Shimkent city |
31 892,3 |
515 877,3 |
33 259,7 |
1 569 443,6 |
|
Almaty city |
629 803,9 |
7 259 547,3 |
82 927,2 |
4 149 849,0 |
|
Nur-Sultan city |
170 112,4 |
1 722 077,9 |
35 187,5 |
1 756 317,5 |
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 |
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|
Specifications |
2019 |
|||
|
Cashless transactions |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
1 146 727,6 |
13 304 413,7 |
348 455,4 |
15 918 095,9 |
|
POS - terminal |
524 199,0 |
3 453 792,2 |
22 633,3 |
2 144 828,1 |
|
ATM |
6 648,5 |
194 942,7 |
325 822,1 |
13 773 267,7 |
|
Internet and mobile phone |
615 873,4 |
9 655 303,4 |
0,0 |
0,0 |
|
Payment terminals |
6,7 |
375,3 |
0,0 |
0,0 |
[1] Placed by banks.
[2] Debit cards with credit limits and prepaid payment cards.
