Version ¹247 от 29/04/2024
As of April 01, 2024 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, Master Card, UnionPay International, American Express International and Diners Club International. Beside banks of Kazakhstan issue payment cards of the local systems like local card of Citibank Kazakhstan – JSC «Citibank Kazakhstan» and System of payment cards Kaspi.kz - JSC «Kaspi Bank».
As of April 01, 2024, 75.8 million payment cards are in circulation. The most common are debit cards, their share is 80.9%, the share of credit cards is 16.2%. Debit cards with a credit limit and prepaid cards account for 2.9%.
In March 2024, the volume of transactions using payment cards of Kazakhstani issuers amounted to 13.8 trillion tenge, the number – 987.0 mln transactions. At the same time, compared to the same period of 2023, the number of non-cash transactions increased by 7.8% and reached up to 966.5 mln transactions and by 8.3%, reaching 11.8 trillion tenge. The holders of payment cards carried out 20.6 million cash withdrawal operations in the amount of 2.0 trillion tenge. There is an increase in the number of cash withdrawal operations compared to March 2023 by 1.9%. At the same time, the volume of cash withdrawal operations increased by 10.8%.
The main share of non-cash transactions in Kazakhstan is carried out via Internet /mobile banking (79.8% of the total number of transactions and 89.4% of the total volume of non-cash payments and money transfers) and POS terminals (20.1% and 10.3% of the total number and volume of non-cash payments and money transfers). Cash withdrawal operations were mainly carried out through ATMs (98.4% and 87.6% 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 |
01.04.2023 |
01.04.2024 |
|
Total number of cards in circulation (thousand), of which: |
67 001,7 |
75 824,3 |
|
local systems |
22 843,2 |
25 360,8 |
|
international systems, of which: |
44 158,4 |
50 463,5 |
|
Visa International, of which: |
34 068,9 |
37 807,3 |
|
debit |
30 812,6 |
35 085,8 |
|
credit |
1 104,8 |
686,0 |
|
Debit cards with credit limit and prepaid |
2 151,5 |
2 035,5 |
|
MasterCard Worldwide, of which: |
8 449,1 |
11 286,6 |
|
debit |
8 114,4 |
10 959,3 |
|
credit |
212,5 |
157,5 |
|
Debit cards with credit limit and prepaid |
122,2 |
169,8 |
|
Number of used cards (thousand), of which: |
34 746,8 |
38 830,2 |
|
local systems |
14 544,3 |
16 125,8 |
|
international systems, of which: |
20 202,5 |
22 704,4 |
|
Visa International, of which: |
16 943,2 |
19 251,1 |
|
debit |
16 087,0 |
18 697,4 |
|
credit |
376,2 |
270,6 |
|
ADebit cards with credit limit and prepaid |
480,0 |
283,1 |
|
MasterCard Worldwide, of which: |
2 709,8 |
2 988,5 |
|
debit |
2 629,3 |
2 911,7 |
|
credit |
74,2 |
46,3 |
|
Debit cards with credit limit and prepaid |
6,3 |
30,5 |
|
Quarterly specifications |
01.04.2023 |
01.04.2024 |
|
Number of POS - terminals (units), of which: |
867 685 |
1 134 474 |
|
commercial enterprises |
851 975 |
1 126 552 |
|
banks |
15 710 |
7 922 |
|
Number of ATM (units) , of which: |
12 436 |
12 727 |
|
with cash distribution function |
5 336 |
4 946 |
|
with cash reception and distribution functions |
7 100 |
7 781 |
|
Number of commercial enterprises (units) |
649 571 |
813 114 |
|
Number of users of online bank service(thousand units)[1] |
23 095,4 |
23 262,7 |
|
Table 2 |
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|
Specifications |
As of 01.04.2024 |
|||||
|
Total number of cards in circulation (thousand) |
Number of used payment cards (thousand) |
|||||
|
debit |
credit |
others[2] |
debit |
credit |
others2 |
|
|
Total, incl. |
61 319,4 |
12 299,6 |
2 205,3 |
33 996,9 |
4 519,7 |
313,6 |
|
Akmola region |
1 848,2 |
415,6 |
102,8 |
1 062,8 |
151,6 |
15,8 |
|
Aktobe region |
2 621,2 |
635,9 |
123,6 |
1 474,6 |
236,0 |
17,0 |
|
Almaty region |
2 876,8 |
1 063,0 |
199,7 |
2 033,2 |
401,5 |
24,4 |
|
Atyrau region |
2 151,5 |
483,9 |
105,7 |
1 204,2 |
186,4 |
10,9 |
|
East Kazakhstan reg. |
2 066,8 |
454,5 |
168,6 |
1 130,7 |
159,6 |
22,3 |
|
Jambul region |
2 831,7 |
651,6 |
145,0 |
1 603,8 |
233,5 |
13,4 |
|
West Kazakhstan reg. |
1 950,7 |
469,4 |
88,7 |
1 099,2 |
169,6 |
11,0 |
|
Karaganda region |
3 442,3 |
738,3 |
153,8 |
1 924,1 |
273,1 |
21,5 |
|
Kostanai region |
2 297,7 |
468,0 |
100,3 |
1 257,8 |
164,7 |
17,2 |
|
Kyzylorda region |
2 174,6 |
536,4 |
125,4 |
1 195,1 |
196,8 |
11,4 |
|
Mangistau region |
2 232,7 |
521,2 |
80,0 |
1 259,7 |
203,8 |
9,2 |
|
Pavlodar region |
2 185,9 |
470,5 |
106,0 |
1 228,1 |
171,7 |
17,4 |
|
North Kazakhstan reg. |
1 422,5 |
261,6 |
58,2 |
769,0 |
86,8 |
9,6 |
|
Turkestan reg. |
4 061,6 |
1 147,0 |
184,4 |
2 438,8 |
377,7 |
19,8 |
|
Almaty city |
14 299,5 |
1 394,8 |
198,7 |
7 595,6 |
506,6 |
44,6 |
|
Shymkent city |
3 519,5 |
716,8 |
64,1 |
1 745,4 |
266,1 |
7,8 |
|
Astana city |
4 976,2 |
1 001,0 |
171,9 |
2 639,6 |
420,1 |
36,4 |
|
Jetysu reg. |
2 020,2 |
369,1 |
13,1 |
1 055,1 |
128,8 |
1,6 |
|
Abay reg. |
1 731,0 |
356,3 |
10,8 |
923,8 |
129,5 |
1,4 |
|
Ulytau reg. |
608,8 |
144,7 |
4,6 |
356,2 |
55,6 |
0,7 |
|
Table 3 |
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|
Specifications |
As of 01.04.2024 |
|||
|
Number of POS-terminals |
Number of ATMs |
Number of enterprises[3] |
Number of outlets |
|
|
Total, incl. |
1 134 474 |
12 727 |
813 114 |
1 058 514 |
|
Akmola region |
38 036 |
414 |
29 088 |
40 627 |
|
Aktobe region |
49 877 |
624 |
39 757 |
51 873 |
|
Almaty region |
47 960 |
310 |
48 481 |
55 488 |
|
Atyrau region |
40 377 |
616 |
30 872 |
41 013 |
|
East Kazakhstan reg. |
37 152 |
580 |
28 391 |
37 929 |
|
Jambul region |
44 094 |
549 |
36 085 |
46 980 |
|
West Kazakhstan reg. |
34 033 |
442 |
27 638 |
35 882 |
|
Karaganda region |
62 152 |
921 |
48 857 |
64 330 |
|
Kostanai region |
47 231 |
507 |
33 902 |
48 366 |
|
Kyzylorda region |
30 756 |
405 |
25 941 |
33 274 |
|
Mangistau region |
43 130 |
607 |
33 708 |
44 032 |
|
Pavlodar region |
43 680 |
608 |
29 429 |
43 677 |
|
North Kazakhstan reg. |
22 043 |
361 |
15 976 |
23 253 |
|
Turkestan reg. |
44 309 |
446 |
40 729 |
48 358 |
|
Almaty city |
283 566 |
2 268 |
153 244 |
198 304 |
|
Shimkent city |
83 532 |
761 |
48 758 |
61 156 |
|
Astana city |
132 706 |
1 447 |
98 239 |
129 084 |
|
Jetysu reg. |
18 364 |
305 |
17 171 |
20 457 |
|
Abay reg. |
22 117 |
366 |
19 288 |
24 344 |
|
Ulytau reg. |
9 359 |
190 |
7 560 |
10 087 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country
|
Table 4 |
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|
Specifications |
January-March |
|
|
Cashless payments |
Cash withdrawals |
|
|
2023 |
||
|
Number of transactions (thousand) of which; |
2 412 201.25 |
55 790.55 |
|
local systems |
2 033 760.37 |
11 779.45 |
|
international systems, of which: |
378 440.88 |
44 011.10 |
|
Visa International |
288 801.45 |
36 562.95 |
|
MasterCard Worldwide |
37 386.43 |
5 730.18 |
|
Volume (mln.tenge), of which; |
28 987 357.33 |
4 880 065.09 |
|
local systems |
21 814 100.16 |
852 608.12 |
|
international systems, of which: |
7 173 257.16 |
4 027 456.97 |
|
Visa International |
3 999 300.09 |
3 234 169.54 |
|
MasterCard Worldwide |
1 118 156.95 |
672 263.03 |
|
2024 |
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|
Number of transactions (thousand) of which; |
2 696 356.52 |
59 624.96 |
|
local systems |
2 244 812.62 |
17 869.92 |
|
international systems, of which: |
451 543.90 |
41 755.04 |
|
Visa International |
394 511.03 |
35 243.12 |
|
MasterCard Worldwide |
53 672.41 |
5 080.90 |
|
Volume (mln.tenge), of which; |
32 963 434.67 |
5 666 002.31 |
|
local systems |
25 219 428.58 |
1 321 291.16 |
|
international systems, of which: |
7 744 006.09 |
4 344 711.15 |
|
Visa International |
6 124 482.20 |
3 554 720.87 |
|
MasterCard Worldwide |
1 540 909.90 |
672 966.88 |
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-March 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 678 717,1 |
32 958 778,0 |
58 857,5 |
5 586 461,4 |
|
Akmola region |
45 821,77 |
361 956,43 |
1 805,71 |
129 453,85 |
|
Aktobe region |
94 040,15 |
872 876,64 |
2 823,22 |
211 237,67 |
|
Almaty region |
85 789,75 |
854 192,40 |
1 183,66 |
116 254,99 |
|
Atyrau region |
85 242,44 |
871 944,70 |
2 024,91 |
187 691,39 |
|
East Kazakhstan reg. |
55 321,51 |
517 183,77 |
2 354,94 |
185 243,06 |
|
Jambul region |
85 619,41 |
800 926,27 |
3 131,09 |
236 153,27 |
|
West Kazakhstan reg. |
63 694,11 |
594 761,20 |
1 901,30 |
141 358,52 |
|
Karaganda region |
99 447,30 |
1 063 628,62 |
4 136,12 |
320 044,08 |
|
Kostanai region |
59 002,16 |
554 596,83 |
2 332,72 |
183 022,09 |
|
Kyzylorda region |
66 832,07 |
605 183,21 |
2 154,62 |
162 783,79 |
|
Mangistau region |
86 782,76 |
890 671,73 |
2 122,72 |
215 749,28 |
|
Pavlodar region |
63 218,26 |
571 221,16 |
2 748,60 |
198 395,69 |
|
North Kazakhstan reg. |
26 722,99 |
229 216,08 |
1 470,81 |
102 656,81 |
|
Turkestan reg. |
91 885,47 |
841 072,29 |
1 733,35 |
153 714,83 |
|
Almaty city |
1 122 066,66 |
17 060 564,93 |
12 373,66 |
1 685 214,87 |
|
Astana city |
268 264,86 |
3 292 450,11 |
5 127,77 |
581 556,47 |
|
Shimkent city |
164 331,17 |
1 969 917,73 |
4 769,03 |
457 523,21 |
|
Jetysu reg. |
53 924,45 |
460 520,50 |
1 977,47 |
128 152,54 |
|
Abay reg. |
42 632,33 |
363 868,30 |
1 939,17 |
126 256,66 |
|
Ulytau reg. |
18 077,46 |
182 025,15 |
746,67 |
63 998,29 |
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-March 2024 |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
2 678 712,9 |
32 958 746,4 |
58 857,5 |
5 586 461,4 |
|
POS - terminal |
565 422,9 |
3 527 100,3 |
831,4 |
671 191,8 |
|
ATM |
102,3 |
14 130,7 |
57 913,8 |
4 879 994,5 |
|
Internet and mobile phone |
1 460 458,4 |
26 092 410,3 |
- |
- |
|
Payment terminals |
162,0 |
9 197,1 |
112,4 |
35 275,1 |
|
QR-code |
652 567,3 |
3 315 908,1 |
- |
- |
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-March |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
2023 |
||||
|
Total, incl. |
32 297.9 |
582 485.6 |
1 034.8 |
90 103.6 |
|
POS - terminal |
13 607.2 |
309 118.2 |
10.6 |
3 548.4 |
|
ATM |
31.8 |
4 084.2 |
1 024.2 |
86 555.2 |
|
Internet and mobile phone |
18 355.1 |
261 038.1 |
- |
- |
|
others |
303.7 |
8 245.1 |
- |
- |
|
2024 |
||||
|
Total, incl. |
46 169.0 |
752 735.5 |
1 315.4 |
104 709.1 |
|
POS - terminal |
14 713.6 |
333 218.9 |
8.2 |
3 428.4 |
|
ATM |
22.4 |
1 347.3 |
1 305.8 |
100 345.2 |
|
Internet and mobile phone |
30 852.4 |
390 320.2 |
0.0 |
0.0 |
|
others |
580.6 |
27 849.2 |
1.4 |
935.6 |
[1] Placed by banks.
[2] Debit cards with credit limits and prepaid payment cards.
[3] Entrepreneurs who have concluded an agreement with an acquirer for servicing payment card holders.
