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.
No, additional deposits and partial withdrawals are not permitted for this type of deposit.
Yes, at Halyk Bank you can open any deposit available in the offered range in the name of your child.
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 view your statement in the 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
If a deposit is terminated early, before its maturity date, no remanuration will be paid on the deposit.
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.