The card is activated upon issuance. PIN code is not applicable for virtual cards.

In the Halyk app, on the Home, choose the card, then choose the "Details" section.

You can replenish your Halyk Cards Via:
• ATMs with Cash-In functionality
• card-to-card transfers via Halyk
• fee-free 24/7 via Halyk Bank payment terminals
• other banks supporting card-to-card transfers
• Via bank branch cash desks
The commission for topping up your card via ATMs, terminals, or transfer is KZT 0.

You can pay by card:
• purchases anywhere
• make payments in the Halyk app
• pay for purchases with your smartphone without a card via Apple Pay, Google Pay, Samsung Pay, and QR code.

You can find out your available balance and bonus points on the card:
• In the Halyk app
• At any Halyk Bank ATM, choose the “Available Balance” option
• By calling the contact center at 7111 and requesting the “Available Balance/Bonus Points” service, then entering the last 4 digits of your card.

To withdraw cash without a card, use the “Withdraw Money Without a Card (at any Halyk Bank ATM)” service (Cash by code) in Halyk app:
• Open the “Transfers” section in Halyk app.
• Choose “Withdraw Money Without a Card (at any Halyk Bank ATM).”
• Enter the amount you want to withdraw and your mobile phone number.
• Confirm the transfer via SMS.
• You will receive two SMS codes needed for withdrawal at the ATM.
• To withdraw cash at Halyk Bank ATM, press any button.
• Choose “Cash Withdrawal by Code.”
• Enter the amount you sent to the ATM and both parts of the code from the SMS.
Done! You have withdrawn cash without a card.

Terms and conditions for withdrawing cash without a card at Halyk Bank ATMs:
• Fee:
- benefits – 0%;
• Maximum withdrawal amount via trusted device: per transaction – USD 750, per day – USD 2,500, per month – USD 10,000.
• Maximum withdrawal amount via 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 should be a multiple of KZT 1,000 (an amount of KZT 3,000 is not available for withdrawal).
• The code is valid for 24 hours.

Yes, you can pay for purchases with your smartphone using Apple Pay, Google Pay, Samsung Pay, and QR code payment.
You can find more details in the dedicated sections.

• KZT 0 – between Halyk Bank cards via Halyk
• KZT 200 from a Halyk Bank card to a 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 a Halyk Bank card to international cards (equivalent in the currency of transfer)
• “Withdraw money without a card (at any Halyk Bank ATM)” service:
- 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
• at Halyk Bank ATMs from a card of any bank in the Republic of Kazakhstan to international cards (equivalent in the currency of transfer) 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)

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

Yes, use the Halyk app on your smartphone. It will give you access not only to your card balance, but also to hundreds of online operations: payments, transfers, withdrawals, top-ups, loans, installment purchases, tour bookings, and much more.

1. Download the Halyk app from Play Market for Android or from the App Store for iOS (iPhone)
2. Open the app and tap “Login/Register”:
• Enter the code received via SMS sent to your mobile number
• Enter your IIN and read the Terms fnd Conditions of the Privacy Policy
• Complete video identity verification according to the instructions
• Set a 4-digit access code for future app logins
Done! Enjoy all the benefits of Halyk 24/7 worldwide.

Registration in Halyk is temporarily unavailable for customers without identity documents (ID card, foreign resident permit in the Republic of Kazakhstan, passport of the Republic of Kazakhstan).
Registration with passport details is available on the Android platform starting from version 5.16.0.

When paying for services online, the amount may be blocked for up to 15 calendar days. This is because the payment was made to other organizations, and the Bank is waiting a confirming financial payment document. If confirmation is received within 15 calendar days, the amount will be debited and transferred. If confirmation is not received within 15 days, the blocked amount will be fully returned to the card used for the payment on the 16th day.

If you have any questions, please contact the unified contact center at 7111.

You can obtain your card statement online in PDF format:

• In Halyk’s web version:
- choose the desired card and click on “Statement”
- After chooseing the statement period, click on “Download statement in PDF”

• In the Halyk app:
- After chooseing the statement period, click on the PDF icon.
To receive a stamped statement, please visit any bank outlet.

Find out your account number/IBAN in Halyk app:
• Choose your Card
• Click on the "Details" option and copy your account number in the IBAN field.
You can also share your card details for transfers in this section.

If you need to receive a notification about opening a 20-digit account, choose the card in the "Accounts" section, click on it, and then click on "Account Notification".

Yes, a fee may apply as the transaction is processed with the DCC service (Dynamic Currency Conversion). The purpose of this service is to allow the customer, at their discretion, to make a payment in the currency of the issuing bank's country – Kazakh tenge. In this case, an additional conversion occurs, and the acquiring bank charges the fee.

No, no additional fees will be charged in this case. Standard currency exchange fees will apply if the currency of your card account does not match the transaction currency, according to the Bank’s exchange rate and tariffs. For single-currency cards, funds will be debited at the exchange rate applied at the time the financial document confirming the transaction is received from the acquiring bank.

To close the card, you need to visit the nearest Bank outlet. You need to have an identity document with you.