The digital card is activated upon issuance. Set an easy-to-remember PIN code in Halyk app:
• Open Halyk and choose the desired card
• Go to “PIN Code”
• choose “Set/Change PIN Code” and follow the instructions
• Confirm the PIN code change with the code from SMS

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

You can top up your Halyk Cards through:
• ATMs with Cash-In functionality
• card-to-card transfers via Halyk
• commission-free 24/7 via Halyk Bank payment terminals
• other banks supporting card-to-card transfers
• through bank branch cash desks
The commission for topping up your card via ATMs, terminals, or transfer is KZT 0.

You can use a digital card to:
• make payments in Halyk app
• pay for purchases with your smartphone without a card via Apple Pay, Google Pay, Samsung Pay, and QR code
You can find more details in the dedicated sections.

You can pay by card:
• purchases anywhere
• make payments in Halyk app
• pay by smartphone without a card via Apple Pay, Google Pay, Samsung Pay, and QR code

See the dedicated sections for more details.

You can find out your available balance and bonus points on the card:
• In the Halyk app
• At any Halyk Bank ATM, choose the “Available Balance” option
• By calling the contact center at 7111 and requesting the “Available Balance/Bonus Points” service, then entering the last 4 digits of your card.

Your trusted number is your registered phone number, which serves as your login for Halyk, is used for SMS notifications, and allows you to access services when calling the contact center at 7111.
If your mobile number is not registered with Halyk Bank or changed, you need to set it up.
You can set up and change your trusted number:
1) in Halyk app (during full registration with video identity verification);
2) at a bank branch;
3) at Halyk Bank ATMs located outside of bank outlets:
• insert your card into the ATM and enter your PIN code
• choose the “Additional Services” option, then “Trusted Number”
• enter your phone number and press “Continue”
• SMS will be sent to your trusted number
• enter the code received in the SMS

To withdraw cash without a card, use the “Withdraw Money Without a Card (at any Halyk Bank ATM)” service (Cash by code) in Halyk app:
• Open the “Transfers” section in Halyk app
• choose “Withdraw Money Without a Card (at any Halyk Bank ATM)”
• Enter the amount to withdraw and your mobile phone number
• Confirm the transfer via SMS
• You will receive two SMS codes required for withdrawal at the ATM
• To withdraw cash at 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 withdrew cash without a card

Terms and conditions for withdrawing cash without a card at Halyk Bank ATMs:
• Commission:
- salary, pension, allowances, deposit funds – 0%;
- other receipts: up to 300,000 tenge per month - 0 tenge, over 300,000 tenge – 1% of the transaction amount
• Maximum withdrawal amount via a trusted device: per 1 transaction - 750 USD, per day - 2,500 USD, per month - 10,000 USD
• Maximum withdrawal amount via an untrusted device: per 1 transaction - 750 USD/ 300,000 KZT, per day - 1,200 USD/ 500,000 KZT, per month - 10,000 USD/ 4,200,000 KZT
• Minimum withdrawal amount – 2,000 tenge
• The withdrawal amount must be a multiple of 1,000 tenge (an amount of 3,000 tenge is not available for withdrawal)
• The code is valid for 24 hours

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

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 an 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 ATMs:
• VISA, Mastercard cards – all operations except PIN code change
• Smartphones with linked VISA cards – cash withdrawal and balance inquiry

If your card does not have a PIN code or you have forgotten it, set a PIN code for your card:
• In the Halyk app, set a 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

• KZT 0 – between Halyk Bank cards via Halyk
• KZT 200 from Halyk Bank card to a card of another bank in the Republic of Kazakhstan via Halyk*
• KZT 200 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 currency of transfer)
• “Withdraw money without a card (at any Halyk Bank ATM)” service:
- 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
• at Halyk Bank ATMs from a card of any bank in the Republic of Kazakhstan to international cards (equivalent in the currency of transfer) minimum - 1% (min. USD 2)
• transfers from Halyk Bank cards via applications of other banks in the Republic of Kazakhstan to VISA and Master Card cards - 0.95% (min 150 tenge)

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

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).

1. Credited to the card account under an agreement concluded between the Bank and a legal entity for the payment of salaries, pensions, and other payments – in accordance with the agreement;

2. Credited to the card account without an agreement concluded between the Bank and a legal entity (other funds) will be subject to a fee of:
• in KZT – a commission of 1% is charged, within the limit of up to KZT 300,000 per month – KZT 0;
• in foreign currency – a fee of 1% is charged, within the limit of up to KZT 300,000 per month – KZT 0;

The fee for debit cards is 0.9% + KZT 50, and for credit cards – 3% (minimum KZT 550).

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 an SMS with the address of the outlet where you can pick up your card. The list of retained card delivery outlets in your city is 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

Yes, use the Halyk app on your smartphone. It will give you access not only to your card balance, but also to hundreds of online operations: payments, transfers, withdrawals, top-ups, loans, installment purchases, tour bookings, and much more.

1. Download the Halyk app from Play Market for Android or from the App Store for iOS (iPhone)
2. Open the app and tap “Login/Register”:
• Enter the code received via SMS sent to your mobile number
• Enter your IIN and read the Terms fnd Conditions of the Privacy Policy
• Complete video identity verification according to the instructions
• Set a 4-digit access code for future app logins
Done! Enjoy all the benefits of Halyk 24/7 worldwide.

Registration in Halyk is temporarily unavailable for customers without identity documents (ID card, foreign resident permit in the Republic of Kazakhstan, passport of the Republic of Kazakhstan).
Registration with passport details is available on the Android platform starting from version 5.16.0.

You can obtain your card statement online in PDF format:

• In Halyk’s web version:
- choose the desired card and click on “Statement”
- After chooseing the statement period, click on “Download statement in PDF”

• In the Halyk app:
- After chooseing the statement period, click on the PDF icon.
To receive a stamped statement, please visit any bank outlet.

1. Halyk Bonus Digital digital card: Halyk app -> "Accounts" section -> card chooseion -> "Settings"/ - Request Details/ Card Details
2. Halyk Bank plastic card: the card number and expiration date are indicated on the front side, the CVV code on the back side.

Find out your account number/IBAN in Halyk app:
• Choose your Card
• Click on the "Details" option and copy your account number in the IBAN field.
You can also share your card details for transfers in this section.

If you need to receive a notification about opening a 20-digit account, choose the card in the "Accounts" section, click on it, and then click on "Account Notification".

Conversion of completed card transactions abroad (purchases, payments, cash withdrawals), excluding Russia:

If a card transaction is made abroad in a currency other than USD, EUR, or GBP, the amount of the card transaction is converted by international payment systems, such as Visa and MasterCard (the "IPS") into USD at the exchange rate established by the respective IPS on the date of the card transaction. Subsequently, upon receipt of the payment document for the card transaction, if the card account is denominated in KZT, the Bank converts the aforementioned amount into USD at the current exchange rate for cash purchases/sales of foreign currency established by the Bank at the time of receipt of the payment document.

Conversion of completed foreign card transactions (purchases, payments, cash withdrawals), excluding Russia:

If a customer makes a payment/withdraws cash in TRY, while holding a tenge card:

1) The Payment System converts the amount from TRY to USD at its internal exchange rate;
2) The Payment System sends a request to the Bank in the form of the converted amount in USD;
3) The Bank converts USD to KZT at the current cashless USD selling rate and blocks the transaction amount on the customer’s card;
4) The Payment System sends the Bank a payment document for settlement upon the actual completion of the card transaction;
5) The Bank debits the transaction amount from the KZT card at the current cashless USD selling rate at the time of debiting. Please note that the blocked amount and the amount debited from the account may differ if the payment document from the IPS arrives later than the date of the amount request and changes in the exchange rate at the Bank.

*IPS - international payment system (e.g., Visa and MasterCard)

Conversion of completed card transactions abroad (purchases, payments, cash withdrawals), excluding Russia:
If a customer makes a payment/withdraws cash in Europe in EUR, while holding a KZT card:
1) The payment system sends a request to the Bank in EUR;
2) The Bank converts EUR to KZT at the current cashless EUR selling rate and blocks the transaction amount on the customer’s card;
3) The payment system sends the Bank a payment document for settlement upon the actual completion of the card transaction;
4) The Bank debits the transaction amount from the KZT card at the current cashless EUR selling rate at the time of debiting. Please note that the blocked amount and the amount debited from the account may differ if the payment document from the payment system arrives later than the date of the request and the exchange rate changes in the Bank.

*IPS - international payment system (e.g., Visa and MasterCard)

If a customer makes a payment on a foreign website and the purchase amount is indicated in KZT:

When making a payment to the Bank, the payment documents for debiting foreign currency are received from the IPS*. When a payment document for a card transaction is received, if the card account is denominated in KZT, the Bank converts the debited amount to USD at the current exchange rate for cash purchase/sale of currency established by the Bank at the time of receipt of the payment document. Therefore, debiting funds to pay for purchases from KZT cards is performed taking into account conversion at the current cash sale exchange rate.

If a customer makes a payment on a foreign website (excluding the Russian Federation), and the purchase amount is indicated in RUB. When making a payment to the Bank, the payment documents for debiting in USD are received from the IPS (see the more detailed conversion procedure above). Therefore, debiting funds to pay for purchases from KZT or RUB cards is performed taking into account conversion at the current cash sale exchange rate of USD.

*IPS - International Payment System (e.g., Visa and MasterCard)

Attention! Visa and Mastercard payment systems suspended card operations in Russia as of 9 March, 2022. Consequently, Visa and Mastercard card transactions are not being processed in Russia.

Currently, servicing of MIR cards in the Bank’s devices (POS terminals, ATMs) is unavailable.

Card operations with Union Pay cards are proceeding as usual. Cash withdrawals from ATMs of Russian banks and other card operations with the Bank’s cards in sanctioned banks are unavailable.

If a customer makes a payment/cash withdrawal in RUB within the Russian Federation while holding a KZT card:

1) The payment system (available only for Union Pay) will convert the amount from RUB to USD at its internal exchange rate,
2) The payment system sends a request to the Bank in the converted amount in USD,
3) The Bank converts USD to KZT at the current cashless USD selling rate and blocks the transaction amount on the customer’s card,
4) The payment system sends a payment document to the Bank upon completion of the card transaction for settlement,
5) The Bank debits the transaction amount from the KZT card at the current cashless USD selling rate at the time of debiting. Please note that the blocked amount and the amount debited from the account may differ if the payment document from the payment system arrives later than the date of the request and changes in the Bank’s exchange rate.

If a customer makes a payment on a Russian website and the purchase amount is indicated in KZT:

When making a payment, the Bank receives payment documents from the payment system for debiting in foreign currency (see more detailed conversion procedure in the questions and answers above). Therefore, debiting funds for the purchase from KZT cards is performed taking into account the conversion at the current cashless currency selling rate.

The exchange rate for cashless currency purchase/sale for card transactions is established by the Bank daily and published on the Bank’s website at www.halykbank.kz.
You can also view the conversion rate in the Halyk app under Transfers when making a transfer.

Attention! A fee was established for accepting cash in Russian rubles into customer accounts (for current accounts from 8 May, for cards from 21 May).

From 8 May, 2022, Halyk Bank’s fee for cash transactions in Russian rubles (accepting cash, transferring to the sender’s current account or another individual’s account at Bank branches) is set at 15% of the transaction amount, but not less than KZT 10,000. The fee for transactions in KZT, USD, and EUR remains unchanged – KZT 0.
The tariff revision was due to restrictions in the legislation of the Republic of Kazakhstan regarding the export of currency.

Yes, you can open additional cards for Halyk Bank cards.
An additional card is a card issued to a Card Account not to the Card Account holder, but to a third party (family members of the Card Account holder, etc.), or to the Card Account holder as part of a service package.
To open an additional card for a third party, please contact a Bank outlet.

You may need to open an additional card for the following reasons:
• card retained in an ATM
• loss or theft of the primary card
• other reasons

You can open an additional card for the card account holder online in Halyk app:
• in the “Accounts” section, choose the card
• tap “Order a card”, then choose “Open an additional card”
An additional card will be issued for your existing account and delivered to you.

To activate the additional card, set a PIN code:
• open the Halyk app and choose the desired card
• choose “PIN code” - “Set/change PIN code” and follow the instructions
• Confirm the PIN code change with the code from SMS
Important! To activate the new PIN code, make any transaction at an ATM.

Attention! When reissuing a card, you should close the existing card at any bank outlet to avoid double debiting of the annual service fee for the existing and reissued cards.

You can open a main card from the age of 14.
You can open an additional card to the main card at any age.

To open a card for a resident minor under the age of 14, the following is required:

• Consent from both parents/legal guardian to enter into the transaction, a birth certificate/passport + the minor's IIN, and documents verifying the identity of the parents/legal guardian. In this case, the minor signs the application themselves.
• One of the parents/legal guardians applies, providing a birth certificate/passport + the minor's IIN and documents verifying the identity of the parent/legal guardian. In this case, the parent/legal guardian opens the card and signs the documents themselves.

To open a card for a resident minor over the age of 14 with a passport or identity card, the presence of parents is not required.

Yes, a fee may apply as the transaction is processed with the DCC service (Dynamic Currency Conversion). The purpose of this service is to allow the customer, at their discretion, to make a payment/withdraw funds in the currency of the Bank issuer's country – KZT. In this case, an additional conversion occurs, and the acquiring bank charges the fee.

No, in this case, no additional fees are charged. Standard currency conversion fees apply when the currency of the card account does not match the transaction currency, as well as fees for cash withdrawals abroad, according to the Bank’s exchange rate and tariffs. For single-currency cards, funds will be debited at the exchange rate applied at the time the financial document confirming the transaction is received from the acquiring bank. For multi-currency cards, the exchange rate at the time of funds transfer between accounts on the card is applied.

To close the card, you need to visit the nearest Bank outlet. You need to have an identity document with you.

The number of issued cards is limited. In case of exceeding the limits, issuance of new card is impossible. Limits on issued cards per customer:
1) on Special accounts for social benefits - not more than 2 (two) valid cards;
2) for debit payment cards, except for cards for Special accounts for social benefits - not more than 4 (four) valid cards.

Cards cannot be issued from an untrusted device.
To make device trusted, it is necessary to complete full registration in Halyk with installation of trusted device and video confirmation of identity.