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Campaign is over – our congratulations to the winners!

On November 9, 2015 by generating random numbers we identified 3 (three) winners of the «Altyn Bank invites to Istanbul!" campaign. The prize included 3 certificates with a tourist trip to Istanbul for two days for a period of 5 days! Awarding took place on November 10 at the Altyn Bank office.

Altyn Bank, as an organizer and the inviting party, covers all costs of the winner, including Almaty-Istanbul-Almaty flight, transfer, accommodation in a 5* hotel (breakfast included) and sightseeing program.

Congratulations to the winners! The owners of gift certificates became:

  • Abdullanov Madi
  • Sovet Ermek
  • Utegenov Gabit

We are grateful to all customers for their participation and would like to congratulate the winners one more time!


Apply for a loan


Get an unsecured personal loan and take a chance to win a certificate for a trip for two to one of the most beautiful cities in the world!

It is not just a trip. Altyn Bank makes sure that Istanbul opens all its secrets – the program includes interesting sightseeing that get you acquainted with the rich history of the city.

 Terms and conditions of the campaign:

  1. The period of campaign is August 3, 2015 - October 30, 2015 (inclusively)
  2. Customers reached 23 years old who took unsecured personal loan during the period of campaign can take part in the campaign “Altyn Bank invites to Istanbul”
  3. The winners will be determined randomly by electronic database of the Bank, among those individuals who took unsecured personal loan during the period of campaign. The date of the lottery is 09.11.2011. Place - Almaty, “Altyn Bank” head office, in the presence of a notary.
  4. Prizes are three certificates for a trip for two for 5 days. Each certificate includes air tickets Almaty-Istanbul-Almaty, transfer, insurance, accommodation in 5-star hotel (breakfast is included) and sightseeing.
  5. Certificates are valid from December 1, 2015 till January 31, 2016 (Inclusively)
  6. The results will be published on the official site of Altyn Bank– in 16.11.2015
  7. Public information: the organizer has a right to publish additional information about campaign. Participants of the campaign agree their names, photos, interview and other materials and/or information about campaign participants to be used by the organizer, and be published on media as information related to the campaign, with the written agreement of a participant.
  8. Employees of JSC “Altyn Bank”, their relatives, employees of marketing/ travel agencies, conducting the campaign, cannot take part in the campaign.
  9. The campaign does not cover expenses for transportation and accommodation in Almaty.
  10. The prize cannon be converted to money and other equivalents and cannot be given to others.
  11. The Bank does not take responsibly for all risks related to the won trip.
  12. Participation in campaign implies familiarization and total agreement with terms of conditions.

Terms and conditions of unsecured personal loan:

Loan currency: Tenge (KZT)

Loan amount: from KZT 90 000 up to KZT 3 000 000

Loan tenor: from 6 months up to 59 months

Payment method:

Straight-Line Re-Payment Scheme

Equal installments of Principal

Focused Customer Group

Interest rate (fixed), p.a. without Loan organization commission

Interest rate (fixed), p.a. with Loan organization commission

For payroll clients of JSC “Altyn Bank”

22.99% p.a. (Annual effective rate from 25.94%*)

19.99% p.a. (Annual effective rate from 24.67%*)

For non-payroll JSC “Altyn Bank”

23.99% p.a. (Annual effective rate from 27.20%*)

20.99% p.a. (Annual effective rate from 25.93%*)

*Indicative examples of calculation of payments on unsecured personal loan, in tenge:

Focused Customer Group

For payroll clients of JSC “Altyn Bank”

For non-payroll JSC “Altyn Bank”

Interest rate (fixed)

22.99% p.a. (Annual effective rate from 25.94%*)

23.99% p.a. (Annual effective rate from 27.20%*)

Loan tenor

18 months

18 months

Loan amount

1 000 000

1 000 000

Loan amount on hand (Loan organization commission – 0%)

1 000 000

1 000 000

Monthly payment (Straight-Line Re-Payment Scheme)

66 422,78

66 920,75

Total payment amount for the entire loan tenor

1 195 610,04

1 204 573,5

* Annual effective rate depends on loan tenor and amount.

Advantages of unsecured personal loans from ‘Altyn Bank”

No hidden commissions

Account opening – free of charge

Transfer of the loan on the account – free of charge

Debit card opening for loan repayment – free of charge

Free of charge SMS notification for card operations

Possibility of free connection of Internet-Banking

Possibility of early full or partial loan repayment after 3 months with no penalties

Possibility of early overdue loan repayment at any convenient time via ATM of Altyn Bank and Halyk Bank with function of cashing

For registration of unsecured personal loan is necessary:

  1. To call a manager of the Bank or apply for a loan on the official site – (to fulfill the online application form)
  2. To provide a manager with the identity card.

Note: The campaign is not a public offering; the final decision on loan is made after consideration of your application.