Criminal Liability for Disclosing Banking Information (Dropping)

According to the newly introduced Article 232-1 of the Criminal Code of the Republic of Kazakhstan, the following actions are prohibited:

• Transferring your bank card, account details, or other payment information to third parties;

• Making money transfers or payments on behalf of other individuals in exchange for compensation or with the intent to receive compensation.

Altyn Bank JSC (subsidiary of China CITIC Bank Corporation Ltd) strongly advises:

• Do not share your bank card details, login credentials, passwords, SMS/Push codes, or access to online banking with third parties;

• Do not open an account or take out a loan "at the request of a friend" or acquaintance;

• Do not accept "easy money" offers that involve handing over your bank card, its details, or access to your accounts and banking services;

• Avoid clicking on suspicious links or opening attachments received via messengers or email;

• Do not apply for loans or transfer funds to "secure accounts," e-wallets, or cards of unknown persons;

• Set transaction limits and enable alerts in the Bank’s mobile app.

Liability:

• Up to 3 years of imprisonment for unlawfully granting access to your bank account;

• Up to 5 years of imprisonment for conducting transfers or payments on behalf of third parties;

• Up to 7 years of imprisonment for organizers ("droppers") who acquire and use access to other people's accounts.

Fraudsters may use your payment card or bank account to transfer funds and ask you to withdraw or forward the money. All transactions are monitored, and you become the first link accessible to law enforcement. Even if you "just handed over your card," you bear criminal liability for participating in the scheme.

All financial transactions in Kazakhstan are traceable: banks monitor IP addresses, devices, geolocation, and relationships between senders and recipients.

Do not become an accomplice to a crime!

Be especially cautious with fundraising for charity or medical treatment.

Fraudsters often create fake pages and posts requesting donations for sick children, surgeries, or other "urgent life situations." They ask for transfers to personal cards, accounts, or e-wallets.

Verify the authenticity of such campaigns: trust only official charitable foundations and check payment details on verified sources.

If you suspect an attempt to involve you in illegal schemes, stop communication immediately and contact the Bank and law enforcement authorities.