1. Card purpose - solely for crediting allowances and social payments.
2. Card currency - KZT.
3. KZT 0 – card service fee for all years.
4. KZT 0 – plastic card delivery by courier.
5. Purchases with the card and payments in Halyk app - KZT 0.
6. Cash withdrawal fees:
• in the Bank’s network - KZT 0
• in the network of other Banks - 0.9% + KZT 50
• outside the Republic of Kazakhstan - 1.5%, min. KZT 1,000
7. Plastic card validity period - 6 years.

Features of the special card for allowances:
• The card is intended only for receiving allowances and social payments.
• Cash replenishment or other crediting to the card is unavailable.
• The card is protected from seizures and claims of third parties.

This card is intended only for crediting benefits and social payments. Order a digital card online without visiting outlets!

1. Use it for free!
• KZT 0 – card service fee every year
• KZT 0 – ordering and delivery of a plastic card by courier
• KZT 0 – purchases with the card and payments in Halyk app
• KZT 0 – withdrawing benefits and social payments at Halyk Bank ATMs

3. Useful services
• Link the card to Apple Pay or Samsung Pay, pay with your smartphone without a card
• Withdraw money without a card at Halyk Bank ATM
• Pay for services in Halyk without fees
• Order a plastic card in Halyk with free delivery or pick it up at any outlet. To do this, choose a digital card in the "Accounts" section, then "Order a card". The card ordering service is available on Android devices.
Card service fee every year – KZT 0.

4. Access bank products and services online in Halyk app
• Online opening and management of deposits 24/7
• Online installment plan for 24 months at partner stores of the Bank
• Purchase tours and tickets and much more

• 2% bonus on favorite categories - movies, cafes, etc.
• Easy payments via smartphone (Google Pay, Apple Pay)
• Opportunity to save for a big dream

*Special features and exceptions to bonus awarding are applied

Earn higher bonuses:
• up to 30% bonus for all purchases made with Halyk Club partners
• up to 10% under special programs and offers

• Pay for purchases and services with bonuses at all retail outlets in Kazakhstan where Halyk POS terminals are installed
• Pay for utilities, mobile communications, internet, and other services in Halyk Super App.
* There are special features and exemptions "

• Pay for purchases and services with bonuses at all retail outlets in Kazakhstan where Halyk POS terminals are installed
• Pay for utilities, mobile communications, internet, and other services in Halyk Super App.
* There are special features and exemptions "

1. Annual service fee:
• Digital card - KZT 0 every year (digital card opening is available on Android devices)
• Plastic card - KZT 0 for the first year, KZT 250 monthly in subsequent years

2. Plastic card re-issue:
- Plastic card re-issue at the customer's request - KZT 1000
- Card re-issue upon expiration - KZT 0

3. Cash withdrawal from card in the Halyk Bank network:
In KZT:
• Salary, pension, allowance and funds from deposit - KZT 0
• Other income up to KZT 300,000 per month - KZT 0
• Other income over KZT 300,000 per month - 1%

Other currency deposits:
• In currency - 1%, within the limit of up to KZT 300,000 per month – KZT 0;

4. Cash withdrawal from ATMs of other banks in the Republic of Kazakhstan - 0.9% + KZT 50

5. Cash withdrawal from ATMs of other banks outside the Republic of Kazakhstan - 1.5%, min KZT 1,000

6. Cash withdrawal from Halyk Bank ATMs without a card via the Halyk app:
- Salary, pension, allowances, deposit funds – 0%;
- Other income: up to KZT 300,000 per month - KZT 0, over KZT 300,000 – 1% of the transaction amount

7. Transfers:
• KZT 0 - between Halyk Bank cards via Halyk
• KZT 150 from a Halyk Bank card to a card of another bank in the Republic of Kazakhstan via Halyk*
• KZT 150 between cards of other banks in the Republic of Kazakhstan via Halyk*
• USD 2 from a Halyk Bank card to international cards (equivalent in the transfer currency)
• At Halyk Bank ATMs from any bank card in the Republic of Kazakhstan to international cards (equivalent in the transfer currency) minimum - 1% (min. USD 2)
• Transfers from Halyk Bank cards via apps of other banks in the Republic of Kazakhstan to VISA and Master Card cards - 0.95% (min KZT 150)

8. Terms and conditions for withdrawing deposit funds from cards:
• For issuing cash in the Bank network from funds deposited into a card via the Halyk app - 1% in accordance with the terms and conditions of the Bank Deposit Agreement;

*for users not registered in Halyk (or for cards of other banks) - 0.85%, min. KZT 250, max. KZT 700

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.