Version ¹272 от 29/05/2026
As of May 01, 2026 actual origination of the payment cards were realized by 17 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 May 01, 2026, 84.1 million payment cards are in circulation. The most common are debit cards, their share is 81.5%, the share of credit cards is 15.5%. Debit cards with a credit limit and prepaid cards account for 3.0%.
In April 2026, the volume of transactions using payment cards of Kazakhstani issuers amounted to 17.8 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 4.3% and reached up to 1.2 bln transactions, the volume increased by 3.5%, amounting to 15.6 trillion tenge. The holders of payment cards carried out 19.0 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 April 2025 by 6.0%, and of the volume of cash withdrawal operations by 4.3%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.1% of the total number of transactions and 90.1% of the total volume of non-cash payments and money transfers) and POS terminals (19.9% and 9.5% 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 88.7% 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 |
01.05.2025 |
01.05.2026 |
|
Total number of cards in circulation (thousand), of which: |
81 159,9 |
84 856,8 |
|
local systems |
27 155,6 |
28 228,7 |
|
international systems, of which: |
54 004,4 |
56 628,2 |
|
Visa International, of which: |
37 776,3 |
41 332,2 |
|
debit |
34 834,7 |
38 371,8 |
|
credit |
644,7 |
619,0 |
|
Debit cards with credit limit and prepaid |
2 297,0 |
2 341,4 |
|
MasterCard Worldwide, of which: |
15 137,6 |
14 392,6 |
|
debit |
14 310,7 |
13 816,3 |
|
credit |
119,5 |
497,6 |
|
Debit cards with credit limit and prepaid |
707,3 |
78,7 |
|
UnionPay International, of which: |
960,4 |
761,3 |
|
debit |
960,4 |
761,2 |
|
credit |
0,02 |
0,02 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Number of used cards (thousand), of which: |
41 525,7 |
42 074,1 |
|
local systems |
16 958,3 |
17 323,9 |
|
international systems, of which: |
24 567,4 |
24 750,2 |
|
Visa International, of which: |
20 354,3 |
21 011,6 |
|
debit |
19 724,8 |
20 467,8 |
|
credit |
293,5 |
193,3 |
|
Debit cards with credit limit and prepaid |
336,1 |
350,5 |
|
MasterCard Worldwide, of which: |
3 721,2 |
3 378,9 |
|
debit |
3 590,8 |
3 249,5 |
|
credit |
34,2 |
111,0 |
|
Debit cards with credit limit and prepaid |
96,2 |
18,4 |
|
UnionPay International, of which: |
446,8 |
315,6 |
|
debit |
446,8 |
315,6 |
|
credit |
0,01 |
0,01 |
|
Debit cards with credit limit and prepaid |
0,00 |
0,00 |
|
Quarterly specifications |
01.04.2025 |
01.04.2026 |
|
Number of POS - terminals (units), of which: |
1 365 693 |
1 326 400 |
|
commercial enterprises |
1 358 450 |
1 319 302 |
|
banks |
7 243 |
7 098 |
|
Number of ATM (units) , of which: |
12 425 |
13 187 |
|
with cash distribution function |
3 449 |
2 848 |
|
with cash reception and distribution functions |
8 976 |
10 339 |
|
Number of commercial enterprises (units) |
913 062 |
959 497 |
|
Number of users of online bank service(thousand units) |
26 675,4 |
29 194,8 |
|
Table 2 |
||||||
|
Specifications |
As of 01.05.2025 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
|
|
Total, incl. |
69 151,1 |
13 158,9 |
2 546,8 |
37 451,0 |
4 208,9 |
414,2 |
|
Akmola region |
2 056,4 |
458,4 |
111,5 |
1 172,8 |
148,0 |
19,5 |
|
Aktobe region |
3 017,8 |
680,4 |
130,1 |
1 609,1 |
218,2 |
20,6 |
|
Almaty region |
3 377,1 |
1 116,5 |
245,7 |
2 259,0 |
370,8 |
37,5 |
|
Atyrau region |
2 359,3 |
504,5 |
100,5 |
1 296,5 |
166,9 |
12,8 |
|
East Kazakhstan reg. |
2 163,3 |
487,5 |
164,6 |
1 189,3 |
153,0 |
27,3 |
|
Jambul region |
3 151,0 |
702,9 |
155,9 |
1 711,7 |
214,4 |
16,4 |
|
West Kazakhstan reg. |
2 220,9 |
491,8 |
96,9 |
1 176,8 |
156,7 |
14,7 |
|
Karaganda region |
3 745,9 |
783,4 |
159,7 |
2 090,1 |
249,4 |
29,2 |
|
Kostanai region |
2 524,8 |
507,7 |
109,8 |
1 377,8 |
162,0 |
21,4 |
|
Kyzylorda region |
2 592,5 |
554,9 |
130,7 |
1 290,5 |
172,1 |
12,5 |
|
Mangistau region |
2 485,2 |
547,4 |
86,7 |
1 390,1 |
188,5 |
11,9 |
|
Pavlodar region |
2 386,0 |
497,1 |
107,4 |
1 332,1 |
159,8 |
21,4 |
|
North Kazakhstan reg. |
1 554,4 |
287,1 |
63,6 |
846,6 |
84,9 |
11,9 |
|
Turkestan reg. |
3 845,6 |
1 211,1 |
233,2 |
2 574,5 |
346,1 |
24,6 |
|
Almaty city |
16 042,1 |
1 515,0 |
267,4 |
8 561,1 |
482,3 |
60,7 |
|
Shymkent city |
5 036,6 |
804,2 |
80,2 |
1 987,4 |
253,0 |
10,6 |
|
Astana city |
5 920,7 |
1 082,2 |
225,5 |
3 041,4 |
392,0 |
49,8 |
|
Jetysu reg. |
2 129,2 |
392,2 |
31,2 |
1 125,0 |
120,6 |
3,6 |
|
Abay reg. |
1 948,3 |
384,5 |
32,1 |
1 034,3 |
121,4 |
5,1 |
|
Ulytau reg. |
594,0 |
150,1 |
14,2 |
385,0 |
48,6 |
2,6 |
|
Table 3 |
||||
|
Specifications |
As of 01.04.2026 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[2] |
Number of outlets |
|
|
Total, incl. |
1 326 400 |
13 187 |
959 497 |
1 208 266 |
|
Akmola region |
51 130 |
416 |
34 908 |
46 300 |
|
Aktobe region |
59 942 |
654 |
44 957 |
55 482 |
|
Almaty region |
69 146 |
328 |
60 944 |
64 006 |
|
Atyrau region |
51 110 |
584 |
36 070 |
47 423 |
|
East Kazakhstan reg. |
44 396 |
621 |
31 562 |
40 034 |
|
Jambul region |
55 964 |
597 |
43 384 |
51 708 |
|
West Kazakhstan reg. |
41 142 |
486 |
31 204 |
37 862 |
|
Karaganda region |
73 885 |
968 |
54 477 |
66 857 |
|
Kostanai region |
57 906 |
530 |
39 111 |
52 494 |
|
Kyzylorda region |
35 896 |
419 |
29 150 |
33 477 |
|
Mangistau region |
44 963 |
609 |
36 024 |
41 981 |
|
Pavlodar region |
52 260 |
631 |
34 247 |
47 315 |
|
North Kazakhstan reg. |
28 680 |
370 |
19 005 |
25 913 |
|
Turkestan reg. |
55 043 |
395 |
47 929 |
51 523 |
|
Almaty city |
300 709 |
2 325 |
184 011 |
268 198 |
|
Shimkent city |
72 562 |
849 |
58 069 |
66 996 |
|
Astana city |
162 973 |
1 475 |
119 581 |
147 357 |
|
Jetysu reg. |
26 850 |
329 |
22 317 |
24 744 |
|
Abay reg. |
30 054 |
394 |
23 771 |
27 573 |
|
Ulytau reg. |
11 789 |
207 |
8 776 |
11 023 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
||
|
Specifications |
January-April |
|
|
Cashless payments |
Cash withdrawals |
|
|
2025 |
||
|
Number of transactions (thousand) of which; |
4 287 876,6 |
75 798,3 |
|
local systems |
3 560 646,6 |
26 112,7 |
|
international systems, of which: |
727 229,9 |
49 685,6 |
|
Visa International |
610 749,8 |
40 985,2 |
|
MasterCard Worldwide |
109 508,7 |
6 721,7 |
|
UnionPay International |
5 920,1 |
1 925,7 |
|
Volume (mln.tenge), of which; |
56 730 081,4 |
8 370 035,1 |
|
local systems |
42 565 434,4 |
2 241 852,6 |
|
international systems, of which: |
14 164 647,0 |
6 128 182,5 |
|
Visa International |
11 031 885,2 |
5 030 557,3 |
|
MasterCard Worldwide |
2 987 217,1 |
923 127,1 |
|
UnionPay International |
116 124,8 |
167 872,1 |
|
2026 |
||
|
Number of transactions (thousand) of which; |
4 508 700,0 |
71 650,5 |
|
local systems |
3 729 751,43 |
27 240,63 |
|
international systems, of which: |
778 948,55 |
44 409,82 |
|
Visa International |
643 872,12 |
37 763,77 |
|
MasterCard Worldwide |
128 897,02 |
5 279,18 |
|
UnionPay International |
5 121,63 |
1 303,90 |
|
Volume (mln.tenge), of which; |
58 471 054,4 |
8 081 731,2 |
|
local systems |
43 528 632,2 |
2 458 823,4 |
|
international systems, of which: |
14 942 422,2 |
5 622 907,8 |
|
Visa International |
11 551 488,5 |
4 751 774,1 |
|
MasterCard Worldwide |
3 253 695,6 |
735 707,9 |
|
UnionPay International |
107 495,3 |
126 651,6 |
Use of the payment cards issued by Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions
|
Table 5 |
||||
|
Specifications |
January-April 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 416 588,3 |
57 477 255,5 |
75 820,9 |
8 195 127,2 |
|
Akmola region |
86 345,69 |
898 566,27 |
2 050,08 |
180 986,26 |
|
Aktobe region |
157 228,67 |
1 455 155,17 |
3 441,08 |
290 113,29 |
|
Almaty region |
164 764,53 |
1 830 492,91 |
1 289,45 |
154 127,26 |
|
Atyrau region |
136 747,10 |
1 368 621,00 |
2 312,43 |
226 814,12 |
|
East Kazakhstan reg. |
88 615,42 |
901 750,81 |
2 584,41 |
244 353,80 |
|
Jambul region |
161 729,16 |
1 567 179,83 |
3 815,30 |
332 977,14 |
|
West Kazakhstan reg. |
104 355,20 |
963 203,12 |
2 203,32 |
179 740,75 |
|
Karaganda region |
163 517,03 |
1 774 422,93 |
4 950,51 |
438 294,16 |
|
Kostanai region |
98 683,98 |
934 227,90 |
2 767,10 |
257 191,26 |
|
Kyzylorda region |
121 514,88 |
1 093 370,82 |
2 503,00 |
214 748,79 |
|
Mangistau region |
139 262,31 |
1 388 174,57 |
2 642,70 |
281 866,13 |
|
Pavlodar region |
104 892,20 |
975 676,95 |
3 198,40 |
271 571,01 |
|
North Kazakhstan reg. |
47 942,52 |
414 175,74 |
1 700,03 |
146 378,91 |
|
Turkestan reg. |
208 142,38 |
1 949 146,61 |
1 999,71 |
198 513,32 |
|
Almaty city |
1 675 527,22 |
29 142 257,17 |
20 457,11 |
2 823 104,16 |
|
Astana city |
435 714,62 |
5 161 032,08 |
6 643,34 |
824 635,88 |
|
Shimkent city |
287 775,27 |
3 548 571,91 |
5 998,11 |
683 977,13 |
|
Jetysu reg. |
122 679,92 |
1 080 846,53 |
2 199,58 |
178 268,48 |
|
Abay reg. |
79 533,40 |
685 569,73 |
2 215,39 |
180 615,63 |
|
Ulytau reg. |
31 616,75 |
344 813,45 |
849,81 |
86 849,70 |
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-April 2026 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 435 733,1 |
57 842 507,2 |
71 164,2 |
8 011 419,6 |
|
POS - terminal |
973 350,3 |
6 013 428,0 |
878,8 |
745 861,3 |
|
ATM |
198,2 |
19 209,8 |
70 032,0 |
7 152 034,6 |
|
Internet and mobile phone |
2 226 457,9 |
45 587 423,7 |
- |
- |
|
Payment terminals |
10 094,6 |
35 338,0 |
253,4 |
113 523,6 |
|
QR-code |
1 225 632,0 |
6 187 107,8 |
- |
- |
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-April |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2025 |
||||
|
Total, incl. |
84 216,7 |
1 428 691,6 |
1 815,0 |
151 188,7 |
|
POS - terminal |
24 529,7 |
569 817,7 |
12,1 |
4 268,7 |
|
ATM |
44,8 |
2 271,9 |
1 800,3 |
145 684,3 |
|
Internet and mobile phone |
57 981,9 |
788 058,6 |
- |
- |
|
others |
1 660,2 |
68 543,4 |
2,7 |
1 235,6 |
|
2026 |
||||
|
Total, incl. |
119 972,3 |
1 666 702,8 |
1 360,9 |
119 958,0 |
|
POS - terminal |
25 680,9 |
548 429,8 |
10,4 |
4 514,4 |
|
ATM |
67,9 |
4 577,7 |
1 350,3 |
115 442,1 |
|
Internet and mobile phone |
92 349,5 |
1 052 546,6 |
- |
- |
|
others |
1 874,0 |
61 148,7 |
0,2 |
1,5 |
