1. Sending and receiving Western Union transfers is available in Halyk without visiting outlets.
2. Sending geography – more than 200 countries and territories worldwide.
3. Service points – more than 515,000.
4. Transfer currency – KZT, USD.
5. Maximum transfer amount – USD 7499/equivalent in KZT.
Transfer time – within minutes*.
6. Fees – The fee for the customer is set by Western Union, and the fees are published on the Bank’s website.
Halyk fee – 0.5% of the transfer amount (min USD 1/KZT 380).
7. Sender/recipient age – from 18 years old.
* The ability to receive a money transfer within minutes also depends on the working hours of agents on the receiving side and local legislation.

1. Log in to Halyk.
2. In the “Transfers” section, go to “All Transfers” and choose “Western Union: Send Transfer.”
3. Read the important information and confirm.
4. Fill out the electronic form.
5. Check the details and read the terms and conditions of the transfer.
6. Enter the SMS code sent to your trusted phone number.
7. The transfer control number (MTCN) will be available in the transfer statement, which can be printed from the Transfer Archive, and will also be sent via SMS to the customer’s trusted phone number.

Western Union has suspended sending/receiving transfers to/from Russia since 24 March, 2022. In case the recipient in Russia did not have time to receive the money sent from Kazakhstan before 24 March, 2022 (inclusive), the money will be returned to the sender without execution.

1. Go to the Halyk.kz portal.
2. In the "Transfers" section, go to "All Transfers."
3. Choose "Western Union: Receive Money."
4. Fill out the electronic form.
5. Check the details and read the terms and conditions of the transfer.
6. Confirm receipt of the transfer with an SMS code.
7. The amount will be instantly credited to the specified account.

Western Union has suspended sending/receiving transfers to/from Russia since 24 March, 2022. In case the recipient of the money in Russia did not have time to receive the money sent from Kazakhstan before 24 March, 2022 (inclusive), the money will be returned to the sender without execution.

Restrictions on Western Union Online transfers via Halyk:
• USD 2,500 (or the equivalent in KZT) is the maximum amount per single transfer
• USD 10,000 (or the equivalent in KZT) is the maximum amount of transfers per day
• USD 25,000 (or the equivalent in KZT) is the maximum amount of transfers per month
• no more than 10 transfers per month (sending/receiving)
• senders/recipients shall be individuals (residents/non-residents) over the age of 18

Cancellation of a transfer is possible only on the same day, according to Astana time, and only in the web version of Halyk. Only unpaid Western Union transfers can be recalled/cancelled.

To recall/cancel a Western Union transfer, you need to:
1. Find the transfer in your Halyk personal profile, in the “Transfer Archive”.
2. Choose the “Transfer Recall” or “Transfer Cancellation” option and the account for crediting.
3. Confirm the operation with the code received via SMS.
In case of a successful recall/cancellation of the transfer, the amount will be credited to the specified customer account.

When recalling a transfer, the Western Union fee is not refunded.

1. In accordance with the terms and conditions of service, payout of transfers may be delayed or services may be unavailable due to specific service features, including the specific transfer amount, destination country, currency availability, applicable law, identification requirements, payout location business hours, time zone differences, deferred payout rate terms, or other applicable restrictions. See the Money Transfer Application for details.
2. In addition to the transfer fee, Western Union may earn income on exchange rate differences if the payout currency differs from the transfer sending currency. When choosing a money transfer system, pay attention not only to the fee but also to the exchange rate of the transaction. Transfer fees and exchange rates may vary depending on the transfer system, channel, and location where the service is provided, based on a number of factors. Fees and rates are subject to change without prior notice.

Dear customers of Halyk Bank JSC, in order to prevent fraudulent money transfer operations, we ask you to follow a few simple security measures:

1. When making transfers, do not disclose transfer details to third parties (either partially or completely, including the transfer number).
2. Be careful when processing a transfer, make sure that no one can overhear/see the transfer information, as fraudsters may forge documents to receive the transfer using this information. Keep transfer details in a place inaccessible to third parties.
3. Avoid sending transfers to unfamiliar individuals. Remember that in this case you may become a victim of fraud. Send funds to people you know and trust.
4. If you receive a request from an unfamiliar person to provide a copy of the transfer request or other information about the transaction – immediately stop communicating with this person, as this is likely an attempt to defraud you. Money transfers, under no circumstances, can be used as proof of solvency.
5. Do not send money transfers long before they are to be received, for example, when planning a trip abroad. Money transfer services allow you to receive a transfer within 10-15 minutes.
6. Do not respond to calls/emails/SMS messages received from a person claiming to be from the Bank regarding the need to send/receive a transfer. The Bank does not call customers or send messages/SMS about sending/receiving a transfer.
7. Do not respond to calls/emails/SMS messages informing you that you have won a lottery/prize, for which you need to send a certain amount of money to process, pay taxes, customs duties, etc.