Halyk Info
1. Term - 6 months in KZT, 12 months in KZT, USD, and EUR
2. Deposit replenishment - yes
3. Partial withdrawal - yes
4. Minimum down payment/minimum balance - KZT 1,000 /USD 10 / EUR 10
5. Maximum deposit amount - unlimited.
6. Monthly payment of interest, with or without capitalization, at the Borrower's discretion
7. Automated prolongation for a deposit term - no more than 3 times, afterwards the deposit is transferred to the Depositor's account.
8. The deposit is insured by Kazakhstan Deposit Insurance Fund.
9. Terms and conditions for withdrawal:
• within 3 calendar days since money is credited to the deposit - 1% of the amount
10. Terms and conditions for withdrawal of deposit funds from cards:
• for issuing cash in the Bank's network, the storage period of which on deposit is less than 3 calendar days - 1%;
• A fee of 1% is charged for money withdrawal from multi-currency cards issued by Kazkommertsbank JSC
• For other cards/current accounts – KZT 0.
* annual effective interest rate - annual effective interest rate, variances are possible (+/- 0,1% p.a.) in the effective interest rates.
2. Deposit replenishment - yes
3. Partial withdrawal - yes
4. Minimum down payment/minimum balance - KZT 1,000 /USD 10 / EUR 10
5. Maximum deposit amount - unlimited.
6. Monthly payment of interest, with or without capitalization, at the Borrower's discretion
7. Automated prolongation for a deposit term - no more than 3 times, afterwards the deposit is transferred to the Depositor's account.
8. The deposit is insured by Kazakhstan Deposit Insurance Fund.
9. Terms and conditions for withdrawal:
• within 3 calendar days since money is credited to the deposit - 1% of the amount
10. Terms and conditions for withdrawal of deposit funds from cards:
• for issuing cash in the Bank's network, the storage period of which on deposit is less than 3 calendar days - 1%;
• A fee of 1% is charged for money withdrawal from multi-currency cards issued by Kazkommertsbank JSC
• For other cards/current accounts – KZT 0.
* annual effective interest rate - annual effective interest rate, variances are possible (+/- 0,1% p.a.) in the effective interest rates.
Reliable deposits in Kazakhstan's largest bank!
• Insured deposit
• Partial online withdrawal
• Deposits of any amount at any frequency
• Interest payments – monthly, with the option of capitalization
• Insured deposit
• Partial online withdrawal
• Deposits of any amount at any frequency
• Interest payments – monthly, with the option of capitalization
Yes, a deposit calculator is available in Halyk app and on the Bank’s website in the “Deposits” section, where you can calculate deposit settlements.
Yes, you can replenish your deposit from your accounts/card without fee in Halyk app, as well as replenish deposits via ATMs, without fees via Halyk Bank payment terminals, or via transfer from other banks.
Transfer in Halyk app: in the "Accounts" section, choose deposit - "Replenish" - choose the card you want to transfer from and specify the deposit you want to replenish - enter the transfer amount - then confirm the transfer.
Transfer in Halyk app: in the "Accounts" section, choose deposit - "Replenish" - choose the card you want to transfer from and specify the deposit you want to replenish - enter the transfer amount - then confirm the transfer.
Yes, you can transfer money from a deposit to a card via Halyk using the partial withdrawal service from the deposit – “Withdraw”.
Please note that partial withdrawal to a card is available up to the minimum balance (in accordance with the terms snd conditions of the concluded Individual Bank Deposit Agreement).
Please note that partial withdrawal to a card is available up to the minimum balance (in accordance with the terms snd conditions of the concluded Individual Bank Deposit Agreement).
Yes, at Halyk Bank you can open any deposit available in the offered range in the name of your child.
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
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
Yes, to replenish a deposit via Halyk, you need to:
• open the app 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 non-cash exchange rate at the time of the transaction will be applied when you complete the operation.
• open the app 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 non-cash exchange rate at the time of the transaction will be applied when you complete the operation.
From 1 January, 2018, due to changes in the Tax Code of the Republic of Kazakhstan, non-residents are required to pay a 15% tax from monthly interest on deposits, while non-residents registered in a state with a preferential tax regime are required to pay 20%.
A customer may be granted tax resident status upon presentation of a document from the tax authorities confirming residency in the Republic of Kazakhstan. Such customers are exempt from withholding tax in accordance with the norms of the tax legislation of the Republic of Kazakhstan on income in the form of interest.
To confirm your tax resident status, you need to bring your residence permit or a supporting document from the tax authority to a Bank outlet.
A customer may be granted tax resident status upon presentation of a document from the tax authorities confirming residency in the Republic of Kazakhstan. Such customers are exempt from withholding tax in accordance with the norms of the tax legislation of the Republic of Kazakhstan on income in the form of interest.
To confirm your tax resident status, you need to bring your residence permit or a supporting document from the tax authority to a Bank outlet.
You can see your statement in Halyk app at any time without visiting a Bank outlet.
You can obtain a statement online in Halyk app in PDF format:
• Choose a deposit
• Choose the statement period and click the PDF icon
You can obtain a statement online in Halyk app in PDF format:
• Choose a deposit
• Choose the statement period and click the PDF icon
No, free replenishments are only possible for KZT deposits via the terminals. Replenishments in USD are available at Bank outlets.
Your deposit may be subject to arrest for three main reasons:
1. Failure to fulfill obligations to government authorities (for example, tax arrears);
2. Overdue loan or other obligations to banks;
3. A court order.
You can find accurate information about an account arrest on the websites of government authorities (information on tax debt, register of debtors in enforcement proceedings) or in the web version of Halyk, in the “Services” section – “Check Account Restrictions.”
1. Failure to fulfill obligations to government authorities (for example, tax arrears);
2. Overdue loan or other obligations to banks;
3. A court order.
You can find accurate information about an account arrest on the websites of government authorities (information on tax debt, register of debtors in enforcement proceedings) or in the web version of Halyk, in the “Services” section – “Check Account Restrictions.”
If an attachment is placed on the Deposit based on instructions from third parties, the Bank will attach funds to the Account, without this being considered a violation of the Deposit terms and conditions. In case the period of the attachment exceeds the Deposit period, including the number of extensions established by the Bank, after the last extension of the Deposit, the Bank will continue to extend the Deposit at a reward rate of 0% until the end of the attachment period.
You can replenish your deposit
interest is paid monthly on the deposit opening date. If the interest payment date falls on a weekend or holiday, the actual interest capitalization will be performed without being postponed to the accrual date. When opening a "QORJIN" deposit in the Halyk app, you can choose one of the following interest payment options:
- keep the interest on the deposit
- pay the interest to a card/account
- keep the interest on the deposit
- pay the interest to a card/account
The “QORJIN” deposit will be automatically renewed for up to three times for the same term, at the interest rate in effect on the date of renewal.
In case you refuse to prolong the deposit, you can close it on the renewal date in two ways: via the mobile app and at a Bank outlet, while retaining any interest already accrued.
In case you refuse to prolong the deposit, you can close it on the renewal date in two ways: via the mobile app and at a Bank outlet, while retaining any interest already accrued.
The bank cannot close the deposit if it is under arrest. Closure is only possible after the removal of arrest.
Upon early termination of the deposit, remanuraation is paid depending on the deposit period:
• less than 1 month – no interest is paid
• from 1 month (inclusive) to 6 months – 1/8 of the nominal rate
• from 6 months (inclusive) to 12 months – 1/4 of the nominal rate
• from 12 months (inclusive) and more – 1/2 of the nominal rate
• less than 1 month – no interest is paid
• from 1 month (inclusive) to 6 months – 1/8 of the nominal rate
• from 6 months (inclusive) to 12 months – 1/4 of the nominal rate
• from 12 months (inclusive) and more – 1/2 of the nominal rate
You can read the terms and conditions of the Agreement on the Bank's website in the "Documents" section - "Deposits", then choose the Accession Agreement for the bank deposit.
You can also read the Deposit terms and conditions when opening a deposit with Halyk.
You can obtain the application for opening a deposit opened via the app at a Bank outlet.
You can also read the Deposit terms and conditions when opening a deposit with Halyk.
You can obtain the application for opening a deposit opened via the app at a Bank outlet.
There are two ways to close the "Universal" deposit:
1. In "Accounts" section,choose your "Universal" deposit,click the "Close deposit"button and follow the steos on the screen.
2.At the Bank branch and you must have an identity document with you.
If you forget your ID, you may open an account based on a digital ID without providing your original ID.
Attention!
If you withdraw USD 100,000 or more or its equivalent in other currencies, you should place an order for withdrawal of a large amount. In order to prevent illegal financial transactions, additional information about the source of origin/accumulation of money on the customer account and its intended use is required. You may be additionally requested to provide Confirming documents, if necessary. Please treat it with understanding, as this requirement is generally accepted for all Banks of the Republic of Kazakhstan and established by the state regulator.
1. In "Accounts" section,choose your "Universal" deposit,click the "Close deposit"button and follow the steos on the screen.
2.At the Bank branch and you must have an identity document with you.
If you forget your ID, you may open an account based on a digital ID without providing your original ID.
Attention!
If you withdraw USD 100,000 or more or its equivalent in other currencies, you should place an order for withdrawal of a large amount. In order to prevent illegal financial transactions, additional information about the source of origin/accumulation of money on the customer account and its intended use is required. You may be additionally requested to provide Confirming documents, if necessary. Please treat it with understanding, as this requirement is generally accepted for all Banks of the Republic of Kazakhstan and established by the state regulator.