1. The currency of the account is KZT
2. The purpose of the account is for benefits from a government agency
3. Fees:
• for opening an account - KZT 0
• for closing the account - KZT 0
• transfer of money to the customer's account - KZT 0

When receiving benefits, you can:
1. Get the benefits in cash:
1) At the cash desk at the Halyk Bank outlet – KZT 0
2) At Halyk Bank ATMs with a card (if there is a card) – fee 1%
3) At Halyk Bank ATMs without a card via Halyk (pre-transfer money to the card in the Halyk app) - no fees
2. Open a card in the Halyk app and transfer money to the card:
1) Register in the Halyk app
2) Open the card: Instant virtual card or Halyk Bonus card with free shipping (your choice)
3) Transfer money from a special checking account to a new card:
• In the Halyk app, open the "Transfers" section, choose "Inside my accounts, cards and Deposits"
• Choose the debit and deposit account (new card)
• Enter the transfer amount
• Confirm the transfer via SMS
4) At Halyk Bank ATMs, receive cash without a card and without fees (Cash by code):
• In the Halyk app, open the "Transfers" section, choose "Withdraw money without a card (at any Halyk Bank ATM)
• Enter the withdrawal amount and your phone number
• Confirm the transfer via SMS
• You will receive two SMS codes, they are needed for ATM withdrawals.
• At the Halyk Bank ATM, press any button
• Choose "Withdraw cash by code"
• Enter the amount that was sent to the ATM and both codes from the SMS
Done!
5) Withdraw cash from Halyk Bank ATMs with a card with a fee of 1% of the amount

When the benefits credited to a special card account, you can receive the allowance in cash:
1) At the cash desk at the Halyk Bank outlet – KZT 0
2) At Halyk Bank ATMs without a card, without fees (via SMS):
• Send an SMS with the text "ATM" and the withdrawal amount to the number 7111.
Example: ATM20000
• You will receive a 10-digit ATM withdrawal code in the reply message.
• Press any button at the Halyk Bank ATM
• Choose "Cash withdrawal by code"
• Enter the amount that was sent to the ATM and the code from the SMS
Please note that if you wish to change the withdrawal amount, you need to contact the Contact Center at 7111 to cancel the operation, and then re-send the transfer to the ATM for withdrawal without a card.

Terms and Conditions for withdrawing cash from an ATM without a card:
• Fee – KZT 0
• Maximum withdrawal amount: USD 750 per operation, USD 2,500 per day, USD 10,000 per month
• Min withdrawal amount – KZT 2000
• The withdrawal amount must be a multiple of KZT 1,000
• The code is valid for 24 hours

important! To withdraw money from a Halyk Bank ATM without a card via SMS, your mobile number should be trusted. You can set a trusted number using one of the following methods:
1. Register online in Halyk app, or
2. Set a trusted number at any Halyk Bank ATM:
• Insert the card into the ATM and enter the PIN code
• Choose the option "Additional services", then "Trusted number"
• Enter your phone number and click "Continue"
• An SMS will be sent to your trusted number
• Enter the ATM code you received in the SMS
A trusted number is your registered phone number, which is a login in Halyk, used for SMS notifications and receiving services at the contact center at 7111.

Yes, if there is a special account for benefits, you can get funds for it. The exceptions are alimony bills and bills for housing payments.

Yes, if you indicated your card account number in the application for benefits, then in case of any seziure/Payment Request-Order – the benefits will be credited to a special benefits card.

This type of account is intended solely for its designated purpose, and depositing other funds onto your special benefits account is prohibited.

Money will not be deducted from a special card account to repay a monthly loan payment, even if there is a permanent order from the sender of the money.

No, money from a special card account will not be deducted automatically to repay the loan, even if there is a permanent order from the sender of the money.

You can make transfers from the special current account both at the Bank and in Halyk app (between your own accounts only).