An ATM is a device that allows you to withdraw cash from your card or replenish it. The ATM also combines the following functions:

• Payment for mobile and landline services
• Loan repayment/deposit replenishment
• Payment to the budget (tax payments, transport, land and property taxes, administrative fines, state duties, etc.)
• Transfers to Halyk Bank payment cards (Cash-In acceptance)
• Transfers from a Halyk Bank card to any current account at Halyk Bank
• Withdrawal of cash sent by mobile phone number or code without a card
• Setting/changing your PIN code
• Disabling the “SMS Banking” service and much more.

Every second ATM in Kazakhstan is an ATM of the Halyk Bank network. You can find the exact location of ATMs:
• In the Halyk app
- open Halyk
- on the Home, choose the “Menu” section
- go to the “Information” section
- click on “ATMs”
(if necessary, use the filter where you can select the desired search parameters)
• On the Bank’s website, by following the link below.

You can find information about ATM locations and features:
• In the Halyk app
- open Halyk
- on the Home, choose “Menu”
- go to the “Bank” section
- click on “ATMs”
(if necessary, use the filter where you can choose the desired search parameters)
• On the Bank’s website, by following the link below.

The daily cash withdrawal limit via ATMs is KZT 700,000 (seven hundred thousand tenge) or the equivalent in another currency; the amount can be increased to KZT 3,000,000 in the Halyk app.

To withdraw an amount exceeding KZT 3,000,000, you can visit a Bank outlet.

Cash withdrawal from cards at Halyk Bank ATMs:
• 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%

Cash withdrawal at ATMs of other banks in the Republic of Kazakhstan - 0.9% + KZT 50

Cash withdrawal at ATMs of other banks outside the Republic of Kazakhstan - 1.5%, min KZT 1,000 (for multicurrency cards within the limit - KZT 0)

In the network of Halyk Bank Georgia JSC, Halyk Bank Kyrgyzstan CJSC, CB Moskommertsbank (JSC), Kazkommertsbank Tajikistan CJSC, Tenge Bank JSCB (Uzbekistan) - 0.6%, min KZT 400

Cash withdrawal from Halyk Bank ATMs without a card via the 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

IMPORTANT!
1. For Welcome to Halyk (Visa Classic Instant) cards and multicurrency cards issued by Kazkommertsbank JSC, the cash withdrawal fee is 1%.
2. For Mastercard World Elite Imperial cards, the cash withdrawal fee at an ATM (Cash-by-Code withdrawal) in KZT, within the Bank’s network – 1%, within the limit of USD 250,000 per month – KZT 0.

Yes, if the ATM has a Cash-In function (card deposit), you can deposit money into your card.
If you do not have your card with you, you can use a Halyk Bank payment terminal to deposit funds into your card.
For more details, please refer to the Halyk Bank Terminals section.

The funds will be credited instantly.

Transfers between cards (within the same Visa or MasterCard payment system):
• from a card of any other bank in the Republic of Kazakhstan to Halyk Bank card - KZT 0
• from a Bank card to a card of any other bank in the Republic of Kazakhstan - 1% + KZT 200
• between cards of other banks in the Republic of Kazakhstan - 1% + KZT 200
• transfers involving a foreign bank card - 1% + USD 2

Card2Card transfers between Halyk Bank cards/Agent Bank cards/Partner Bank cards*:
• from an Agent Bank card to a Bank/Agent Bank card - KZT 150
• from a Bank card to an Agent Bank card - KZT 150

* See the Bank’s website in the “Tariffs” section for a list of Agent Banks and Partner Banks (list of Banks using processing services).

The ATM does not accept banknotes that:
• have bent corners;
• are taped together;
• are torn or ripped;
• are withdrawn from circulation.

PIN code for your card will be issued in an envelope at the Bank outlet when you receive your plastic card.

You can change your PIN using one of the following methods:

1. Change PIN in Halyk:
If you forgot your PIN or want to set a different one, use Halyk app:
• Open Halyk and choose the desired card
• Go to “PIN code”
• Choose “PIN code setup/change” and follow the instructions
• Confirm the PIN change with the code from SMS

Important! To activate the new PIN, insert the card into any Halyk Bank ATM and perform any transaction at the ATM.

2. Change PIN at Halyk Bank ATM:
• Insert the card and enter your current PIN
• Choose the “PIN code setup/change” option
• Enter your new PIN
• Confirm your new PIN

Done! The ATM will issue a receipt confirming successful PIN setup.

If you need a card urgently, you can re-issue your Halyk card within 5 minutes at any outlet of the bank, on the same service terms and conditions, and start using it immediately, the funds on your card will be available.
You can easily set PIN code in Halyk app: choose the desired card, go to PIN code - Set/change PIN code
Important! To activate a new PIN code, insert the card into any Halyk ATM, and conduct any transaction at the ATM.

You can also wait for your retained card to be delivered to a bank outlet:
• Within 5 business days, you will receive SMS with the address of the outlet where you can pick up your card. The list of retained card delivery outlets in your city are available at the link below.
• Until you receive your card, you can continue to use your card, having previously removed the temporary blocking in Halyk app: choose the card you forgot at the ATM, in the “Settings” section disable the “Temporary blocking” option.
You can also remove the blocking by contacting the Call Center at 7111.
Once the card is unblocked and until you receive it, you can perform all transactions:
- Add the card to Apple Pay, Google Pay, Samsung Pay, and pay with your smartphone.
For instructions on how to set up contactless payments, please refer to the dedicated sections.
- Pay for mobile communication, Internet, cable TV, utilities, and more than 6,000 other services in Halyk app without any fees.
- Make transfers to any card and by phone number in Halyk
- Withdraw cash from Halyk ATMs without a card

In case you forgot your card in the ATM of another bank: contact the call center of the bank where you forgot your card.
Map of outlets

To withdraw cash without a card, use the “Withdraw Money Without a Card (at any Halyk Bank ATM)” service (Cash by code) in the Halyk app:
• Open the “Transfers” section in the Halyk app
• Choose “Withdraw Money Without a Card (at any Halyk Bank ATM)”
• Enter the amount to withdraw and your mobile number
• Confirm the transfer via SMS
• You will receive two SMS codes required for withdrawal at the ATM
• To withdraw cash at a 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:
- 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
• Maximum withdrawal amount via a trusted device: per 1 transaction - USD 750, per day - USD 2,500, per month - USD 10,000
• Maximum withdrawal amount via an untrusted device: per 1 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 shall 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

Withdraw cash with a single touch via NFC-enabled Halyk Bank ATM.

Benefits:
• Reliability – eliminates the risk of your card being retained by the ATM
• Convenience – simply hold your smartphone or card to the reader

How to use NFC technology:
• Take NFC-enabled smartphone, enable this option on your smartphone, or take a physical plastic card
• Ensure the ATM supports NFC
• Hold your smartphone or card to the reader and enter your PIN code

What transactions can be performed at NFC-enabled Halyk Bank ATM:
• VISA, Mastercard cards – all operations except PIN code change
• Smartphones with linked VISA cards – cash withdrawal and balance check

If your card does not have a PIN code or you forgot it, set a PIN code for your card:
• In Halyk app, set PIN code
• Open Halyk, choose the desired card on the Home
• Go to “PIN Code”
• Choose “Set/Change PIN Code” and follow the instructions
• Confirm the PIN code change with the code from SMS

You can submit a refund request any day. Your request will be reviewed by the Bank.

If you encountered an error during cash withdrawal or deposit, and the funds were not fully credited or withdrawn, you can submit an application on the website without visiting the outlets.

Our specialists will review your inquiry as soon as possible and provide a response with the results of the application review.

To submit an application, please fill out the form by following the link below – this data will help us to review the inquiry in detail.

You can also contact any Halyk Bank outlet. Please bring your ID and, if available, the receipt for the deposited/withdrawn amount.

At Halyk Bank ATMs, cash withdrawals are available in tenge and US dollars. In Baikonur, cash withdrawals in RUB are also available via the ATM.

Money can be withdrawn from a card in USD via a Bank outlet and ATMs (if this function is available).

When withdrawing an amount of USD 100,000 or more, or the equivalent in another currency, a large cash withdrawal order shall be placed. To prevent illegal financial transactions, additional information regarding the source of funds/accumulation of money in the customer's account and the planned intended use is required. Supporting documents may also be requested if necessary. We kindly ask for your understanding, as this requirement is standard practice for all banks in the Republic of Kazakhstan, established by the state regulator.