Mobile transfers 2024

In 2024, Kazakhstan will begin to check money transfers to mobile phone numbers with signs of entrepreneurial activity of participants of two stages of the Universal Declaration.

The purpose for checking money transfers to mobile phone numbers is to combat illegal business activities. Some entrepreneurs accept payment for goods and services through transfers to mobile phone numbers but do not use cash registers and POS-terminals and consequently do not issue fiscal sales receipts violating consumers’ rights.

The government will not check all money transfers to mobile phone numbers.

No. The screening criteria only applies to people who receive money transfers to mobile phone numbers from 100 or more different senders each month for three consecutive months, which indicates entrepreneurial activity.

At the request of the State Revenue Committee, banks are obliged to provide the list of individuals who have received more than 100 transfers to their personal accounts from different people each month for 3 consecutive months (this is the correct interpretation).

No. Money transfers to mobile phone numbers are intended for individuals to use for personal purposes. They are not suitable for accepting payment for goods or services.

If you are running a business, you need to register as an individual entrepreneur, open a bank account and receive payments to the individual entrepreneur's account.

This can be done online using Halyk's Onlinebank app.

Yes, individuals can still send and receive mobile money transfers for personal purposes: to parents, relatives or friends.

Yes, you can still make and receive personal transfers from your personal account.

However, to comply with the law, payments for goods and services must be made to your individual entrepreneur's account.

For convenience, link your phone number to your individual entrepreneur's account. All payments you receive as an entrepreneur for goods and services will be absolutely legal.

If the payment is made to a personal account, the income received should be declared in the tax report and tax should be paid.

However, in order to conduct business in accordance with the law, we recommend that you segregate payments from business and personal funds.

The Law of the Republic of Kazakhstan "On Payments and Payment Systems" allows various methods of payment, including cashless payments.

Refusal to accept cashless payments violates consumer rights and is an administrative offence. The first offence is punishable by a warning and the second by a fine of KZT 147,680.

Report the refusal to accept cashless payments to your local tax authorities.

To work as a taxi driver, you need to register an individual entrepreneur and open a bank account. This can be done through Halyk's Onlinebank mobile application, E-Salyq Business, Egov Mobile.

To accept cashless payments, open an account with Halyk online.

You don't need to carry cash registers and POS terminals.

Add your phone number to your Halyk account and you can accept money transfers to your Halyk account.

You can also issue fiscal sales receipts in Onlinebank app.

Today it is more advantageous to pay taxes, because there are favourable tax regimes with low tax rates from 1% to 4% (depending on the type of activity).

If an entrepreneur uses money transfers to mobile phone numbers as payment for his/her goods and services, he/she may come under tax control, but this will not affect those who pay their taxes correctly.