Apply fully online without collateral or a bank visit – participate in tenders easily
Confirms the company’s reliability to the customer and ensures contract fulfillment
A wide range of bank guarantees for businesses of any scale
Faster deals, fewer risks: apply for a letter of credit online
Relevant tenders for your business
How to Apply
Fill out the online form on the website or in the Onlinebank mobile app
Sign documents online or at a Halyk branch
Decisions on digital guarantees are made quickly, and the document is available online immediately after approval
Submit a Request for Consultation
Frequently Asked Questions
It is the bank’s obligation to pay funds to the beneficiary if the client fails to fulfill contractual obligations fully or partially
By type of security, Halyk issues three types of guarantees:
- Covered guarantees – with 100% cash collateral using the client’s own funds
- Uncovered guarantees – issued within the client’s credit line
- Unsecured (blank) guarantees – issued without collateral
- Covered guarantees – 0.2%, min. KZT 17,000, max. KZT 160,000
- Uncovered guarantees – 0.2%, min. KZT 16,000, max. KZT 160,000
- Covered tender guarantees – up to KZT 100,000: KZT 6,000; over KZT 100,000 – 0.2% (min. KZT 12,000, max. KZT 64,000)
- Unsecured tender guarantees – up to KZT 5 mln – 1.75% (min. KZT 10,000); over KZT 5 mln – 1.5%
- Unsecured performance guarantees – 5% (min. KZT 6,000)
- Electronic guarantees
- Paper guarantees (on bank letterhead)
- Guarantees issued via the SWIFT system
Yes, guarantees can be issued online without visiting the bank – covered, uncovered, and unsecured guarantees
- Covered guarantees – new web Onlinebank.kz
- Uncovered guarantees – old web Onlinebank.kz
- Unsecured digital guarantees (CBTG and Performance) – new web Onlinebank for Business and the Onlinebank mobile app
- Unsecured tender guarantees (non-digital) – at Halyk branches