With the Halyk app, anyone can become a bank customer 100% online without visiting outlet. To gain access to all of the Bank’s online products, you need to complete full registration in Halyk.

All bank products online without visiting outlet!
• Opening a Halyk Bonus Digital virtual card
• Ordering a plastic card with free delivery
• Online loan in 5 minutes up to KZT 7,000,000
• Online installment plans in partner retail and online stores
• Opening a deposit with a high interest rate
• Account statements
• Contactless payments via Apple Pay, Google Pay, and QR code

Access to the Bank’s online services
• Government services
• Halyk Tour – booking and purchasing tours online and receiving bonuses
• Club (Halyk Club) – a loyalty club for all Halyk Bank cardholders
• Info (Halyk Info) – Your personal assistant, which will answer more than 1,000 questions
• Bank locator – convenient search for outlets on a map of your city
• ATM locator – quick search for ATMs nearby
• Travel – purchasing tours, airline and railway tickets, and booking hotels in 5 minutes
• Insurance – policies for car insurance, apartment and private house insurance, coronavirus COVID-19, life insurance, and job loss insurance
• Cardless cash withdrawal
• Push notifications
• Setting and changing your PIN code without reissuing the card or visiting outlet

Payments with bonuses in Halyk
• Pay for services in the Halyk app without fees and receive bonuses: utilities, mobile communication, airline tickets, transportation, kindergartens, and more than 6,000 other services
• Pay for mobile communication, utilities, transportation, and other services with accumulated bonuses

Instant transfers in Halyk:
• Transfers between your accounts, cards, and deposits without fees
• Transfers to cards of other banks in the Republic of Kazakhstan and foreign banks
• Transfers by mobile phone number to customers of any bank
• Money transfers to a Halyk Bank ATM for cardless cash withdrawal
• International online transfers via Western Union
• Transfers via QR code to Halyk Bank customers

Your online assistant
• A personal assistant in a 24/7 chat will answer any questions and provide advice on products and services0

0You can obtain the following Bank products online without visiting outlets:
• Opening a Halyk Bonus Digital card
• Ordering a plastic card with free delivery
• Online loan in 5 minutes up to KZT 7,000,000
• Online loan refinancing
• Online installment plans at partner retail and online stores
• Opening a deposit with a high interest rate
• Account statements
• Contactless payments via Apple Pay, Google Pay, and QR codes

Transfer terms and conditions via mobile phone number:
• The transfer is sent to the mobile phone number of Halyk Bank customer, and the funds will be credited to the recipient’s primary Halyk Bank card.
• The primary card – is chosen independently on the Home and is the card for receiving transfers via mobile phone number. By default, the primary card is the most active one.

Transfers between Halyk Bank cards are made without fee.
• In Halyk, on the Home, click “Transfers”, choose “By phone number”
• Enter the recipient’s mobile phone number, or choose from the address book
• Enter the transfer amount and make the transfer
Done! You will receive a notification about the debit, and the money will be credited to the recipient’s account. You can also reply to the notification received from the sender.

Tips:
1) If you frequently transfer money to the same persons, you can save the recipient to the list so you don’t need to search for the phone number in the address book.
To do this, after the transfer, don’t forget to click on “Save recipient” and you won’t need to enter the phone number again.
2) You can also see the transfers you made in the “History” tab, display the receipt on the screen and repeat the transfer, or share it.

Registration in Halyk app.
1. Download Halyk app from Play Market for Android or from the App Store for iOS (iPhone).
2. Open the app and click “Login/Registration”:
• Enter the code received via SMS sent to your mobile number.
• Enter your IIN and read the Terms and Conditions of the Privacy Policy.
• Pass video iverification according to the instructions.
• Set a 4-digit code for future app logins.
Done! Enjoy all the benefits of Halyk 24/7 worldwide.

Registration in Halyk is temporarily unavailable for customers without an identity document (ID card, Residence Permit for a Foreign Citizen in the Republic of Kazakhstan, passport of the Republic of Kazakhstan).
Registration with passport details is available on the Android platform starting from version 5.16.0.

Registration in Halyk via Halyk Bank ATMs:
• Insert your card into the ATM and enter your PIN code.
• Choose the “Halyk Registration | SMS Banking” section.
• Click “Halyk Registration”.
• Enter your phone number; this number will become your trusted number.
• You will receive SMS with a code to your trusted number.
• Enter the code received via SMS into the ATM.
• You will receive SMS with a temporary password to log in to Halyk on your trusted number.
IMPORTANT! The temporary password is valid for 48 hours.

You can download and install the Halyk app for free from Play Market for Android or App Store for iOS (iPhone), or using the link below.

You need to re-register or restore access via the Halyk app by clicking the “Forgot Access Code?” / “Forgot Password?” and setting a 4-digit access code during the process.

To withdraw cash without a card, use the “Withdraw Money Without a Card (at any Halyk Bank ATM)” service (Cash by code) in Halyk app:
• Open the “Transfers” section in Halyk app.
• Choose “Withdraw Money Without a Card (at any Halyk Bank ATM).”
• Enter the amount you want to withdraw and your mobile phone number.
• Confirm the transfer via SMS.
• You will receive two SMS codes needed for withdrawal at the ATM.
• To withdraw cash at Halyk Bank ATM, press any button.
• Choose “Cash Withdrawal by Code.”
• Enter the amount you sent to the ATM and both parts of the code from the SMS.
Done! You have withdrawn cash without a card.

Terms and conditions for withdrawing cash without a card at Halyk Bank ATMs:
• Fee:
- benefits – 0%;
• Maximum withdrawal amount via trusted device: per transaction – USD 750, per day – USD 2,500, per month – USD 10,000.
• Maximum withdrawal amount via untrusted device: per transaction – USD 750 / KZT 300,000, per day – USD 1,200 / KZT 500,000, per month – USD 10,000 / KZT 4,200,000.
• Minimum withdrawal amount – KZT 2,000.
• The withdrawal amount should be a multiple of KZT 1,000 (an amount of KZT 3,000 is not available for withdrawal).
• The code is valid for 24 hours.

Halyk app is available to customers in three languages: Kazakh, Russian, and English. The app settings allow the customer to choose their preferred language:

• On Halyk app login screen
• In the upper right corner, tap the Menu icon (3 lines)
• Choose “Settings,” then “Language,” and choose the app language

For some Android mobile devices, the language displayed in Halyk app depends on the language setting of the mobile device. That is, if the mobile device settings are in Kazakh, Halyk app will also be available in Kazakh. For iOS devices, simply change the language within the Bank app.