Growth of cashless transactions by the population continues its positive trend. By the end of 2024, number of cashless transactions rose by 13.4% (total number – 12.8 billion transactions), and the volume expanded by 17% (total volume – 166.1 trillion KZT). Thus, in 2024, on average, the population conducted 35.1 million cashless transactions daily, amounting to 453.6 billion KZT.

Population Transaction Dynamics in 2024 (in trillion KZT)

Cashless transactions accounted for 98% by volume and 87% by value of all transactions completed by the population in 2024, which suggests high public confidence in financial technologies given convenience and speed of cashless transactions.

The majority of cashless transactions in 2024 were conducted through online banking services (90% of the total volume of cashless transactions).

Along with that, number of users of online banking services increased by 13% (to 25.9 million[1]). Over the year, volume of online transactions per user of internet and mobile banking increased by an average of 7% (to 6.1 million KZT).

[1] When a client uses online services of one and more banks, users accounted in terms of each bank separately

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