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Onlinebank
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VAT on banking services 2026 VAT on banking services 2026
Tariff packages for small and medium businesses Tariff packages for business Salem Package – Easy Start
Loans for SME
On business goals Up to KZT 300,000,000 business loan for LLPs Online loan for individual entrepreneurs within 5 minutes Halyk Contract Digital secured loan of up to KZT 1 billion Digital factoring for suppliers of Public Procurement Online loan for IE POS holders Business Medium Halyk Entrepreneur Halyk Entrepreneur Express Deposit-secured loan Loans for corporate business Halyk Sale program
For agricultural business For agricultural business
Liability of the Borrower Liability of the Borrower
State programs Ken Dala Program Regional SMB financing SME in manufacturing industry Women entrepreneurship lending program “Ymit” "Orleu" lending program for small and medium-sized businesses Interest rate subsidizing by the Ministry of Agriculture Enterprise Support Program (subsidies) Domestic Trade Subjects Support Program (guarantee) Domestic Trade Subjects Support Program (subsidies) Guarantee program within the framework of providing loan guarantee funds Program for natural monopoly entities “Isker Aimaq” Unified Program for Supporting Small Businesses (subsidies)
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Sourcebook about Foreign Economic Activity

Banking and Other Operations License (Universal Banking License) No.1.1.601.130 dated 13.07.2026 issued by AFMRD. Securities Market License No.1.2.47/230/38/1 dated 23.06.2023 issued by AFMRD.

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