1. One card – three currencies – KZT, USD, EUR/RUB.
2. Card issuance and delivery – KZT 0
3. Annual service fee – KZT 0 for the 1st year of service, KZT 1800 for the 2nd and subsequent years
4. Card validity period – 6 years
5. Cash withdrawal fee:
• 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 over KZT 300,000 per month
• In the Bank’s network, withdrawal of other funds in foreign currency – 1%, within the limit up to KZT 300,000 per month – KZT 0;
• without a card at ATMs via 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 ATM – 0%

1. Use for free!
• opening of 3 extra cards of lower level
• cash out abroad up to USD 500 per month
• payments in Halyk.kz
• withdrawal of salaries, pensions, social allowances, and deposit funds at Halyk ATMs.

2. Get more bonuses*
• 30% – maximum bonus in the network of Halyk Club partners
• 10% – maximum bonus under special programs and promos of the Bank
• Earn up to 1%* bonus for purchases made via Halyk POS terminals (via QR, Apple Pay, Samsung Pay, Google Pay)

*Special features and exceptions to bonus awarding are applied

3. Enjoy maximum comfort!
• One card - five currencies (KZT, USD, EUR, GBP, RUB/CNY)
• 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 QR, Apple Pay, Google Pay, Samsung Pay
• Pay for your purchases with bonuses at Halyk POS terminals, make payments in Halyk app

4. All you need for business trips and travel
• Concierge service - your personal assistant to address any issues around the world
• Possibility to visit lounge zones in international airports up to 6 times
• Travel insurance certificate issued by Halyk IC jointly with Allianz Partners for EUR 50,000
• Insurance by Visa international payment system - up to USD 750,000 USD, MasterCard – up to EUR 374,500 EUR

• 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 exceptions "

1. Annual service fee - KZT 0 for the first year, then KZT 150 monthly.

2. Card Reissuance:
- Reissue of a plastic card at the customer's request - KZT 1000
- Card reissue upon expiration - KZT 0

3. Cash Withdrawal from Card at Halyk Bank ATM/Outlets:
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 - 1%, within the limit of up to KZT 300,000 per month – KZT 0;

4. Cash Withdrawal at ATMs of Other Banks in the Republic of Kazakhstan - 0.9% + KZT 50

5. Cash Withdrawal at ATMs of Other Banks Outside the Republic of Kazakhstan - 1.5%, min KZT 1,000

6. Cash Withdrawal at Halyk Bank ATM without a Card via 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 another bank card in the Republic of Kazakhstan via Halyk*
• KZT 150 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)
• 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's network of funds received from a deposit to a card via 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

Terms and conditions for transferring money via mobile phone number:

• The transfer is sent to the Halyk Bank customer’s phone number, 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 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 “Transfers”, then choose “By phone number”
• Enter the recipient’s phone number, or choose from your 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 people, you can save the recipient to your list so you don’t need to search for the phone number in your 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 transfer you made in the “History” tab, display the receipt on the screen, repeat the transfer, or share it.