Be confident in the safety of your savings
The state maximum amount of guaranteed compensation across all deposits and bank accounts per depositor is:
- 20 million tenge for savings deposits in the national currency;
- 10 million tenge for cards, accounts, and other deposits in the national currency;
- 5 million tenge for cards, accounts, and deposits in foreign currency (in equivalent at the exchange rate установленному on the date of the bank’s license revocation)
Download the Altyn-i app and complete the registration
Fill out an online application for opening a deposit - specify your details and deposit parameters
Top up your deposit in the mobile application, by bank transfer or in cash via terminals
Deposit Currencies | KZT | USD | EUR | GBP | |||
Deposit period | 1-6 month | 7-12 month | 24 month | 36 month | 1-12, 24, 36 month | 1-12 month | 1-12 month |
Nominal Rate | 12,6% | 13,98% | 9,1% | 8,65% | 0,99% | 0,1% | 0,05% |
Annual effective interest rate with monthly payment of interest | 13,35% | 14,91% | 9,49% | 9,00% | 0,99% | 0,10% | 0,05% |
Annual effective interest rate with daily payment of interest | 13,43% | 15,00% | 9,53% | 9,03% | - | - | - |
Minimum amount / minimum balance | 10 000 KZT | 25 USD | 2 000 EUR | 2 000 GBP | |||
With the possibility of additional account replenishment | Yes | ||||||
With the possibility of partial withdrawal | Allowed to the minimum balance | ||||||
Automatic renewal | Yes / no - at client request | ||||||
Frequency of interest payment | If opened in the Altyn-I service: daily / monthly for KZT, monthly for USD, EUR, GBP | ||||||
- If opened in the branch: monthly for KZT, USD, EUR, GBP | |||||||
Ability to pay interest on the account / transfer on the deposit | Add to deposit | ||||||
Terms of full/partial early withdrawal of deposit | The remuneration is paid for the actual period of deposit placement, the deposit is paid no later than seven calendar days from the date of the client's request. | ||||||
Type of deposit according to the Civil Code of the Republic of Kazakhstan | Term deposit | ||||||
Maximum (limit) deposit guarantee amount | 10 000 000 tenge on deposits in national currency 5 000 000 tenge on deposits in foreign currency | ||||||
| Deposit Currencies | KZT | USD | ||||||
| Deposit period | 1 month | 3 month | 6 month | 12 month | 24 month | 36 month | 12, 24, 36 month | |
| Nominal Rate | 16,50% | 16,70% | 17,00% | 14,97% | 10,70% | 10,00% | 1,00% | |
| Effective Interest Rate | 17,80% | 18,04% | 18,39% | 16,04% | 11,24% | 10,47% | 1,00% | |
| Minimum amount / minimum balance | 10 000 KZT | 25 USD | ||||||
| With the possibility of additional account replenishment | No | |||||||
| With the possibility of partial withdrawal | No | |||||||
| Automatic renewal | No | |||||||
| Frequency of interest payment | For the KZT term deposit – monthly, for the USD term deposit – at the end of the term | |||||||
| Ability to pay interest on the account / transfer on the deposit | Add to deposit | |||||||
| Terms of full/partial early withdrawal of deposit | Accrued interest is not paid, the contribution is paid no earlier than 30 calendar days from the date of the client’s request | |||||||
| Type of deposit according to the Civil Code of the Republic of Kazakhstan | Savings deposit | |||||||
| Maximum (limit) deposit guarantee amount | 20 000 000 tenge on deposits in national currency | |||||||
| 5 000 000 tenge on deposits in foreign currency | ||||||||
Deposit Currencies | KZT | USD | ||
Deposit period | 3 month | 6 month | 12 month | 12, 24, 36 month |
Nominal Rate | 17,0% | 18,0% | 13,0% | 1,0% |
Effective Interest Rate | 18,39% | 19,56% | 13,80% | 1,00% |
Minimum amount / minimum balance | 10 000 KZT | 25 USD | ||
With the possibility of additional account replenishment | Yes | |||
With the possibility of partial withdrawal | No | |||
Automatic renewal | No | |||
Frequency of interest payment | For the KZT term deposit – monthly, for the USD term deposit – at the end of the term | |||
Ability to pay interest on the account / transfer on the deposit | Add to deposit | |||
Terms of full/partial early withdrawal of deposit | Accrued interest is not paid, the contribution is paid no earlier than 30 calendar days from the date of the client’s request | |||
Type of deposit according to the Civil Code of the Republic of Kazakhstan | Savings deposit | |||
Maximum (limit) deposit guarantee amount | 20 000 000 tenge on deposits in national currency 5 000 000 tenge on deposits in foreign currency | |||
For deposits in tenge — KZT 10,000; in US dollars — USD 25. To open an account in euros or pounds sterling (available only under the “Golden Reserve” product), a minimum of 2,000 units of the respective currency is required.
The “Golden Reserve” deposit supports four currencies: KZT, USD, EUR, and GBP. Savings deposits are available only in tenge and US dollars.
The amount of the state guarantee provided by the KDIF depends on the type of deposit:
◦ For savings deposits (“Reserve”, “Reserve+”) in tenge — up to KZT 20,000,000.
◦ For term deposits (“Golden Reserve”) in tenge — up to KZT 10,000,000.
◦ For any deposits in foreign currency — up to KZT 5,000,000 (in equivalent).
The maximum yield of 18.4% EIR 20.0% is available on the “Reserve+” savings deposit when placing funds in tenge for a term of 6 months.
This option is available only for the “Golden Reserve” deposit in tenge if it is opened via the Altyn-i mobile application. You can choose to either credit the interest to the principal deposit account (capitalization) or transfer it to a separate account for daily use.
Yes, but only for the “Golden Reserve” deposit. You may withdraw any amount down to the minimum required balance (KZT 10,000 / USD 25), and the interest accrued earlier will be retained. Withdrawals are not allowed for savings deposits until maturity.
Top-ups are allowed for the “Golden Reserve” and “Reserve+” products. The “Reserve” savings deposit cannot be topped up — the amount is deposited only once at the time of opening.
In this case, the accrued interest is forfeited in full, and the repayment of the principal amount will take at least 30 calendar days from the date of your request.
