Via Halyk, you can make domestic and international transfers.

• International transfers – Western Union quick international transfers, to a local card of the Republic of Uzbekistan, to a card of other banks of the Republic of Kazakhstan, to a card of foreign banks, money transfers to a Halyk Bank ATM and cash withdrawal without a card, transfers to accounts of individuals and legal entities;
• Domestic transfers – between your cards, from a card to an account, deposit or withdraw funds from a deposit, or send from an account to a card;
• Transfers by mobile phone number to customers of any bank without entering the card number
• QR-transfers

Terms and conditions for transferring via mobile phone number:
• The transfer is sent to the mobile phone number of a Halyk Bank customer, and the funds will be credited to the recipient's primary Halyk 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 fee-free.
• In Halyk, on the Home, click “Transfer by Number”
• Enter the recipient's mobile phone number or choose from the address book
• Enter the transfer amount and click “Next”
• Confirm the transfer using Touch ID (fingerprint scanner) or Face ID. You can also choose standard transfer confirmation via an OTP code*
Done! You have successfully sent the money.

* Available on mobile devices that support this function. You can enable the function in Halyk: “Menu” - “Profile and Settings” - enable the function “Transfers with Biometrics” / “Transfers with Touch ID or Face ID”.

Transfers between Halyk Bank cards are fee-free:
• In Halyk, go to the “Transfers” section
• Choose the service “To a card of any bank in RK”
• Choose the card from which the transfer will be made
• In the “To” field, choose “Scan card” or enter the card number manually
• Enter the transfer amount and click “Next”
• Check the transfer details
• Confirm the transfer using Touch ID (fingerprint scanner) or Face ID. You can also choose standard transfer confirmation via OTP code*
Done!

*available on Android devices: only for transfers to unsaved cards and only on mobile devices that support this function
You can enable the function in Halyk: “Menu” - “Profile and Settings” - enable the “Transfers with biometrics” function

A fee of KZT 200 is charged for transfers from Halyk Bank card to a card of another bank in the Republic of Kazakhstan.
• In Halyk, go to the “Transfers” section.
• Choose the “To a card of any bank in the Republic of Kazakhstan” service.
• Choose the card from which the transfer will be made.
• In the “To” field, choose “Scan card” or enter the card number manually.
• Enter the transfer amount and click “Next.”
• Check the transfer details.
• Confirm the transfer using Touch ID (fingerprint scanner) or Face ID*. You can also choose standard transfer confirmation via OTP code.
Done!

* Available on Android devices: only for transfers to unsaved cards and only on mobile devices that support this function.
You can set up the function in Halyk: “Menu” - “Profile and Settings” - enable the “Transfers with biometrics” function.

Attention! Sending transfers to VTB Kazakhstan has been suspended since 8 April, 2022, to Alfa Bank Kazakhstan since 29 April, 2022, and to Sberbank Kazakhstan since 8 July, 2022.

Transfer to a foreign card is subject to a fee:
• In Halyk, go to “Transfers” - “All Transfers”
• Choose “To foreign card” service
• Choose the card from which the transfer will be made
• Enter the requested details and click “Next”

Transfers are available to Uzcard and Humo payment system cards of the Republic of Uzbekistan. A transfer to a card is made with a fee of KZT 150; to do this:
• In Halyk, go to the "Transfers" - "All Transfers" section
• Choose the "To Foreign Card" service
• Choose the card from which the transfer will be made
• Enter the recipient's card number and click "Next"
• Upon completion, a message about the successful transfer will be displayed, and you can print a receipt.

The following limits apply when crediting a transfer to a card in the Republic of Uzbekistan:
maximum amount per single transaction - UZS 12,000,000
maximum monthly transfer amount - UZS132,000,000

The service is available in the updated version of Halyk on Android and iOS; you need to update the app in Play Market/App Store.

• Transfers from payment cards of Halyk Bank to payment cards of Russian banks of international payment systems Visa and MasterCard are unavailable in the Halyk app.*
Transactions to transfer funds to payment cards of the Republic of Kazakhstan from cards of Russian banks of international payment systems Visa and MasterCard are unavailable.*

* Visa and MasterCard international payment systems terminated card operations in Russia from 9 March, 2022.

Yes, to replenish a deposit you need to:
• open Halyk and go to the “Transfers” section
• choose “Between own accounts.”
• choose the debit account (card/current account) and the deposit to which you need to transfer funds
• then specify the transfer currency, and the exchange rate will be displayed automatically for your convenience
• click “Next”
Done!

The current cashless exchange rate at the time of the transaction will be applied when the operation is performed.

es, to make a partial withdrawal from a deposit you need to:
• open Halyk and go to the “Transfers” section
• choose “Between own accounts.”
• choose the deposit and the account to which you need to transfer funds
• then specify the transfer currency, and the exchange rate will be displayed automatically for your convenience
• click “Next”
Done!

The current cashless exchange rate at the time of the transaction will be applied when the operation is performed.

The exchange rate for cashless currency purchase/sale for card transactions is established by the Bank daily and published on the Bank’s website at www.halykbank.kz.
You can also view the conversion rate in the Halyk app under Transfers when making a transfer.

To further protect your funds from unauthorized third-party actions, limits are set by default on the maximum/minimum amounts for certain transactions on all Halyk Bank cards, which you can temporarily cancel/set yourself in Halyk.

Increased transfer/transaction limits in the Halyk app are available to customers who have completed full registration in Halyk with a trusted device set up and video identity verification.

Restrictions on transfers between your accounts in Halyk (depending on product restrictions, excluding withdrawals from a deposit):
• minimum transfer amount - KZT 50/USD 1/EUR 1
• maximum transfer amount via a trusted device: up to USD 50,000 per day, USD 1 million per month
• maximum transfer amount via a trusted device: up to USD 30,000 per day, USD 1 million per month.

Transfer limit to a card by mobile number to a Halyk Bank customer:
• minimum transfer amount - KZT 50
• maximum transfer amount via a trusted device: per transaction - USD 5,000, per day - USD 10,000, per month - USD 150,000
• maximum transfer amount via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000
• maximum number of transfers - 100 transfers per day.

Transfer limit from a Halyk Bank card to a Halyk Bank card:
• minimum transfer amount - KZT 50
• maximum transfer amount via a trusted device: per transaction - USD 5,000, per day - USD 10,000, per month - USD 150,000
• maximum transfer amount via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000
• maximum number of transfers - 100 transfers per day.

Transfer limit from a Halyk Bank card to a card of another bank:
• minimum transfer amount - KZT 50
• maximum transfer amount via a trusted device: per transaction - USD 2,500, per day - USD 5,000, per month - USD 150,000.
• maximum transfer amount via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000
• maximum number of transfers - 100 transfers per day.

Restrictions on transfers from a card/account to a 20-digit account:
• maximum transfer amount to a third-party account in another bank via a trusted device: per transaction - USD 3,500, per day - USD 7,000, per month - USD 150,000 (via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000)
• maximum transfer amount to a third-party account in Halyk Bank: per transaction - USD 5,000, per day - USD 10,000, per month - USD 150,000 (via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000)

Transfer limit from a card to any Halyk network ATM (Cash by Code):
• maximum withdrawal amount via a trusted device: per transaction - USD 750, per day - USD 2,500, per month - USD 10,000.
• maximum withdrawal amount via an 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/currency equivalent per day.
• the amount shall be a multiple of KZT 1,000 (you cannot withdraw KZT 3,000)

Transfer limit from a card to a foreign card:
• maximum transfer amount via a trusted device: per transaction - USD 2,500, per day - USD 5,000, per month - USD 150,000.
• maximum transfer amount via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000
• maximum number of transfers - 100 transfers per day.

Transfers via QR code:
• maximum transfer amount via a trusted device: per transaction - USD 5,000, per day - USD 10,000, per month - USD 150,000
• maximum transfer amount via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000
• maximum number of transfers - 100 transfers per day.

Western Union Transfer:
• maximum transfer amount: per transaction - USD 2,500, per day - USD 10,000, per month - USD 25,000.
• maximum number of transfers - 10 transfers per month.

Transfer limits to a card by phone number to a Halyk Bank customer:
• minimum transfer amount - KZT 50
• maximum transfer amount via a trusted device: per transaction - USD 5,000, per day - USD 10,000, per month - USD 150,000
• maximum transfer amount via an untrusted device: per transaction - USD 750, per day - USD 750, per month - USD 10,000
• maximum number of transfers - 100 transfers per day.

Transfer limits to a card by phone number to a card of another bank in the Republic of Kazakhstan:
• minimum transfer amount - KZT 350
• maximum transfer amount via a trusted/untrusted device: per transaction/per day/per month - KZT 300,000

Increased transfer/transaction limits in Halyk app are available to customers who completed full registration with Halyk, installed a trusted device, and undergone video identity verification.

No, the withdrawal amount is limited by the minimum deposit balance.

Important! Transfer is unavailable for certain types of accounts and deposits (they are highlighted in gray in the dropdown list).

Withdraw/transfer cash at Halyk Bank ATMs without a card:

1. To make a transfer:
• In the Halyk app, open the “Transfers” section
• Choose “Withdraw money without a card (at any Halyk Bank ATM)”
• Enter the amount and the recipient’s phone number
• Confirm the transfer via SMS
• You will receive an SMS with the first part of the code for withdrawal, and the recipient will receive the second part of the code.

2. To withdraw money from an ATM, you/the recipient need to:
• Press any button on the Halyk Bank ATM
• Chooe “Cash withdrawal by code”
• Enter the amount and both parts of the code from the SMS

Terms and conditions for withdrawing cash without a card at Halyk Bank ATMs:
• Fee:
- 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
• Maximum withdrawal amount via a trusted device: per transaction - USD 750, per day - USD 2,500, per month - USD 10,000
• Maximum withdrawal amount via an 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 must be a multiple of KZT 1,000 (an amount of 3,000 tenge is not available for withdrawal)
• The code is valid for 24 hours

IMPORTANT!
1. For Welcome to Halyk (Visa Classic Instant) cards and multicurrency cards issued by Kazkommertsbank JSC, the fee for cash withdrawal is 1%
2. For Mastercard World Elite Imperial cards, the fee for cash withdrawal at an ATM (Cash withdrawal by code) in KZT, within the Bank’s network – is 1%, within the limit of USD 250,000 per month – KZT 0.

• Maximum withdrawal amount via a trusted device: per transaction – 750 USD, per day – USD 2,500, per month – USD 10,000.
• Maximum withdrawal amount via an 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 / equivalent in currency per day.
• The amount must be a multiple of KZT 1,000 (you cannot withdraw exactly 3,000).

Limits when transferring funds in the Halyk app:

For an untrusted device:
• per transaction USD 750 (equivalent in KZT), per day USD 750 (equivalent in KZT), per month USD 10,000.

For a trusted device:
• per transaction USD 2,500 (equivalent in KZT), per day USD 5,000 (equivalent in KZT), per month USD 150,000.
Maximum number of transfers per day – 100

In the Republic of Uzbekistan, the following limits apply when crediting a transfer to a card:
maximum amount per single transaction – UZS 12,000,000
maximum amount of monthly credits – UZS 132,000,000

Yes, you can transfer funds from a card of another bank to your Halyk Bank card in the Halyk app.

To ensure additional protection of your funds from unauthorized actions by third parties, limits are set by default on the following payments and cash withdrawals on cards.
• Restrictions on the maximum cash withdrawal amount
• Restrictions on online transactions
• Restrictions on transactions at POS terminals
• Restrictions on transactions at chip-less ATM
• Restrictions on brokerage services
You can independently temporarily cancel/set limits in Halyk app.

Increased transfer/operation limits in Halyk app are available to customers who completed full registration with Halyk, including setting up a trusted device and undergoing video identity verification.

Transfer between your Halyk accounts (subject to product limitations, excluding withdrawals from a deposit):
• Minimum transfer amount – KZT 50/USD 1/EUR 1
• Maximum transfer amount via a trusted device: up to USD 50,000 per day, USD 1 million per month
• Maximum transfer amount via a trusted device: up to USD 30,000 per day, USD 1 million per month.

Transfer to Halyk Bank customer’s card via mobile phone number:
• Minimum transfer amount – KZT 50
• Maximum transfer amount via a trusted device: per transaction – USD 5,000, per day – USD 10,000, per month – USD 150,000
• Maximum transfer amount via an untrusted device: per transaction – USD 750, per day – USD 750, per month – USD 10,000
• Maximum number of transfers – 100 transfers per day.

Transfer from a Halyk Bank card to another Halyk Bank card:
• Minimum transfer amount – 50 KZT
• Maximum transfer amount via a trusted device: per transaction – 5,000 USD, per day – 10,000 USD, per month – 150,000 USD
• Maximum transfer amount via an untrusted device: per transaction – 750 USD, per day – 750 USD, per month – 10,000 USD
• Maximum number of transfers – 100 transfers per day.

Transfer from Halyk Bank card to a card from another bank:
• Minimum transfer amount – KZT 50
• Maximum transfer amount via a trusted device: per transaction – USD 2,500, per day – USD 5,000, per month – USD 150,000.
• Maximum transfer amount via an untrusted device: per transaction – USD 750, per day – USD 750, per month – USD 10,000
• Maximum number of transfers – 100 transfers per day.

Transfer from a card/account to a 20-digit account:
• Maximum transfer amount to a third-party account at another bank via a trusted device: per transaction – USD 3,500, per day – USD 7,000, per month – USD 150,000 (via an untrusted device: per transaction – USD 750, per day – USD 750, per month – USD 10,000)
• Maximum transfer amount to a third-party account at Halyk Bank: per transaction – USD 5,000, per day – USD 10,000, per month – USD 150,000 (via an untrusted device: per transaction – USD 750, per day – USD 750, per month – USD 10,000)

Transfer from a card to any Halyk ATM (Cash by Code):
• Maximum withdrawal amount via a trusted device: per transaction – USD 750, per day – USD 2,500, per month – USD 10,000.
• Maximum withdrawal amount via an 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 /equivalent in currency per day.
• The amount shoul dbe a multiple of KZT 1,000 (you cannot withdraw KZT 3,000).

Transfer from a card to a foreign card:
• Maximum transfer amount via a trusted device: per transaction – USD 2,500, per day – USD 5,000, per month – USD 150,000.
• Maximum transfer amount via an untrusted device: per transaction – USD 750, per day – USD 750, per month – USD 10,000
• Maximum number of transfers – 100 transfers per day. QR Code Transfers:
• Maximum transfer amount via a trusted device: per transaction – USD 5,000, per day – USD 10,000, per month – USD 150,000
• Maximum transfer amount via an untrusted device: per transaction – USD 750, per day – USD 750, per month – USD 10,000
• Maximum number of transfers – 100 transfers per day.

Western Union Transfers:
• Maximum transfer amount: per transaction – USD 2,500, per day – USD 10,000, per month – USD 25,000.
• Maximum number of transfers – 10 transfers per month.

Yes, there are restrictions on the minimum deposit replenishment amount in Halyk:
1. From card to deposit:
• minimum amount of KZT 50/USD 1/EUR 1
• maximum amount – unlimited

Replenishing the deposit from credit cards is not possible.
2. From account to deposit:
• minimum amount of KZT 50/USD 1/EUR 1
• maximum amount – unlimited

You can remove the restriction on online card payments in the Halyk app:
1. Open Halyk
2. Choose the desired card
3. Click “Remove Restrictions”
4. Choose “For online transactions” from the dropdown list
5. Specify the number of days for which the restriction will be lifted
Done!

You can remove the limit from your card in Halyk:
1. Log in to Halyk
2. Choose the desired card
3. Click “Remove Restrictions”
4. Choose the appropriate option from the dropdown list
5. Specify the required number of days for which the restriction will be lifted.

You can remove the cash withdrawal limit via Halyk ATM as follows:
1. Log in to Halyk
2. Choose the desired card
3. Click “Remove Limit”
4. Choose “To Max. Withdrawal Amount” from the dropdown list
5. Specify the number of days for which the limit will be removed
Done! You can withdraw more than KZT 700,000 per day, but no more than KZT 3,000,000 (or the equivalent in another currency).
To withdraw an amount exceeding KZT 3,000,000, please visit a Bank outlet.

You can set card limits in Halyk:
• click on the desired card
• in the “Limits” section, choose “Set Limits”

• KZT 0 - between Halyk Bank cards via Halyk
• KZT 200 from Halyk Bank card to card of another bank in the Republic of Kazakhstan via Halyk*
• KZT 200 between cards of other banks in the Republic of Kazakhstan via Halyk*
• USD 2 from Halyk Bank card to international cards (equivalent in the transfer currency)
• “Withdraw Money Without a Card” service (at any Halyk Bank ATM) – salary, pension, benefits, deposit funds – 0%
• From any bank card in the Republic of Kazakhstan to international cards (equivalent in the transfer currency) minimum - 1% (min. 2 USD) at Halyk Bank ATMs
• 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)

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

Log in to the web version of Halyk:
• Enter your login and password
• Go to the “Services” section
• Click on the “Appointment Booking” link
• Fill out the form and click “Submit”
Record the booking code that the system will provide you after filling in the fields.

To get a ticket at outlet, you need to enter the booking code in the electronic queue terminal by pressing one of the following buttons:
1. Уақыт белгілеу (Kazakh)
2. Бронирование (Russian)
3. Appointment (English)

Before booking a visit, please see the outlet's operating hours.