1. Сard currency – KZT
2. KZT 0 – digital card service fee for all years* (annual plastic card service fee – KZT 0 in the first year, KZT 3,000 (KZT 250 per month) in subsequent years).
3. KZT 0 – plastic card delivery by courier.
4. Validity period of a plastic card linked to a digital card – 6 years.
5. Cash withdrawal fees:
• In the Bank’s network in KZT – KZT 0:
- salary, pensions, allowances and funds from deposit without limits.
- other receipts up to KZT 300,000 per month.
• In the Bank’s network in KZT – 1%:
- other receipts exceeding KZT 300,000 per month.
• In the Bank’s network, withdrawal of other funds in foreign currency:
- in foreign currency – 1%, within the limit up to KZT 300,000 per month – KZT 0.
• Without a card at ATMs via the Halyk app:
- salary, pension, allowances, deposit funds – 0%;
- other receipts – up to KZT 300,000 per month - KZT 0, over KZT 300,000 – 1% of the transaction amount.
• In the network of other Banks – 0.9% + KZT 50.
• Outside the Republic of Kazakhstan – 1.5%, min KZT 1,000.
• Deposit funds via Halyk Bank ATMs – 0%.

* Opening a digital card is available on Android devices.

SINOOIL is one of the leading suppliers and sellers of oil and lubricants in Kazakhstan with branches, filling stations and subsidiaries in many regions of the Republic of Kazakhstan and partners abroad.

1. Use the card and enjoy benefits!
• KZT 0 – digital card service (all the time*) (annual service of plastic cards - KZT 0 in the first year)
• KZT 0 – courier delivery of a plastic card
• KZT 0 – cashing out salaries, deposit funds, social allowances, pensions at Halyk ATMs
• KZT 0 – cashing out other proceeds of up to KZT 300,000 per month at Halyk ATMs

* Digital card opening is available for Android devices

2.Earn more
Earn bonus for purchases made via Halyk POS terminals (via QR, Apple Pay, Samsung Pay, Google Pay)
Find out more about bonuses here (ссылка на страницу акции Halyk+)

*Special features and exceptions to bonus awarding are applied
https://halykbank.kz/storage/app/media/Bonus/2025/ENG_Bonuses_Halyk.pdf

3. Enjoy maximum comfort!
• Transfers by mobile phone number to customers of any banks
• Cash withdrawal by code without card at Halyk ATMs
• Payment with a smartphone without a card via Apple Pay, Google Pay, Samsung Pay and QR
• Pay for your purchases with bonuses using your card at Halyk POS terminals, make payments in Halyk app or transfer bonuses by phone number in Halyk app to Halyk customers

• 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.