1. One card – three currencies – KZT, USD, EUR
2. Issuance – KZT 0
3. Annual service fee – KZT 0 (when ordering a plastic card – KZT 0 in the first year, KZT 150 monthly in subsequent years)
4. Validity period of a plastic card linked to a digital card – 6 years
5. Cash withdrawal fees:
• In the Bank’s network in KZT – KZT 0:
- salary, pensions, allowances and funds from deposit without limits
- other receipts up to KZT 300,000 per month
• In the Bank’s network in KZT – 1%:
- other receipts exceeding KZT 300,000 per month
• In the Bank’s network, withdrawal of other funds in foreign currency:
- in foreign currency – 1%, within the limit up to KZT 300,000 per month – 0 tenge.
• Without a card at ATMs via Halyk app:
- salary, pension, allowances, deposit funds – 0%;
- other receipts – up to KZT 300,000 per month - KZT 0 tenge, over KZT 300,000 – 1% of the transaction amount
• In the network of other Banks – 0.9% + KZT 50
• Outside the Republic of Kazakhstan – 1.5%, min KZT 1,000
• Deposit funds via Halyk Bank ATMs – 0%

1. Enjoy maximum benefit using the card
• KZT 0 – digital card service (all the time)
•KZT 0 – courier delivery of a plastic card*
• One card - three currencies (KZT, USD, EUR)
* annual service of plastic card - KZT 0 in the first year, subsequent years - KZT 150 per month

2. Get more bonuses*!
• 30% – maximum bonus in the network of Halyk Club partners
• 10% – maximum bonus under special programs and promos of the Bank
• Earn up to 1%* bonus for purchases made via Halyk POS terminals (via QR, Apple Pay, Samsung Pay, Google Pay)

*There are features and exemptions to bonus awarding

3. Useful services
• Add your card to Apple Pay, Google Pay or Samsung Pay, pay with your smartphone without a card and get bonuses
• Pay for your purchases with bonuses using your card at Halyk POS terminals or make payments in Halyk app
• Withdraw cash at Halyk ATMs without a card
• Pay for services in Halyk without any fees and earn bonuses
• Order a plastic card in Halyk and have it delivered for free or pick it up at any outlet. To do so, choose a digital card in the "Accounts" section, click on "Order a card". Annual service of a plastic card - KZT 0 in the first year, subsequently - KZT 150 per month

4. Key to online loan!
Do you need money urgently? Get an online loan within 5 minutes from anywhere in the world, 7 days a week
1) Install Halyk app
2) Log in to Halyk and tap "Get Loan" on the Home 3) Specify the amount and period, if approved, the funds will be credited to your card
Online loan application is accepted every day until 9:00 p.m.

Shop and receive bonuses!
• up to 30% - maximum bonus in Halyk Club partner network;
• up to 20% – maximum bonus under special programs and promos of the Bank;
• up to 10% for active users of the Bank's products under the Halyk+ program.

Pay for your purchases with bonuses!
• Pay for purchases and services with bonuses, either in part or in full, within the Halyk Club partner network.
• Pay for utilities, mobile communications, internet, and other services in Halyk Super App.

Keep an eye out for promos with increased bonuses on the bank's website and in Halyk Super App.

*There are special features and exceptions regarding the awarding of bonuses"

• Pay for purchases and services with bonuses at all retail outlets in Kazakhstan where Halyk POS terminals are installed
• Pay for utilities, mobile communications, internet, and other services in Halyk Super App.
* There are special features and exceptions "

1. Annual service fee - KZT 0 (when ordering a plastic card – KZT 0 in the first year, in subsequent years - KZT 150 monthly)

2. Plastic card reissuance:
- Plastic card reissuance at the customer's initiate - KZT 1000
- Card reissuance upon expiration - KZT 0

3. Cash withdrawal at Halyk Bank ATM with a plastic card linked to a Halyk Bonus Digital digital card:

In KZT:
• 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%

Other currency deposits - 1%, within the limit of up to KZT 300,000 per month – 0;

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

5. Cash withdrawal at ATMs of other banks outside the Republic of Kazakhstan - 1.5%, min KZT 1,000

6. Cash withdrawal at 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

7. Transfers:
• KZT 0 - between Halyk Bank cards via Halyk
• KZT 150 from Halyk Bank card to a card of another bank in the Republic of Kazakhstan via Halyk*
• KZT 150 between cards of other banks in the Republic of Kazakhstan via Halyk*
• USD 2 from a Halyk Bank card to international cards (equivalent in the transfer currency)
• from a card of any bank in the Republic of Kazakhstan to international cards (equivalent in the transfer currency) minimum - 1% (min. USD 2) at Halyk Bank ATMs
• transfers from Halyk Bank cards via app of other banks in the Republic of Kazakhstan to VISA and Master Card cards - 0.95% (min KZT 150)

8. Terms and conditions for withdrawing deposit funds from cards:
• for issuing cash in the Bank's network of funds deposited into the card from a deposit via Halyk app - 1% in accordance with the terms and conditions of the Bank Deposit Agreement;

*for users not registered in Halyk (or for cards of other banks) - 0.85%, min. KZT 250, max. KZT 700

Terms and conditions for transferring money via mobile phone number:
• The transfer is sent to Halyk Bank customer’s mobile phone number, and the funds will be credited to the recipient’s primary Halyk card.
• The primary card – is chooseed independently on the Home and is the card for receiving transfers via mobile phone number. By default, the primary card is the most active one.

Transfers between Halyk Bank cards are fee-free.
• In Halyk, on the Home, click “Transfers,” then choose “By phone number.”
• Enter the recipient’s mobile phone number or choose from your address book.
• Enter the transfer amount and make the transfer.
Done! You will receive a notification about the debit, and the money will be credited to the recipient’s account. You can also reply to the notification received from the sender.

Tips:
1) If you frequently transfer money to the same people, you can save the recipient to your list so you don’t need to search for the phone number in your address book.
To do this, after the transfer, be sure to check “Save recipient,” and you won’t have to enter the phone number again.
2) You can also see the transfer you made in the “History” tab, display the receipt on the screen, repeat the transfer, or share it.