"Gold Reserve" Deposit

With the possibility of additional contributions and partial withdrawals
Amount
from 10 000 KZT
Term
up to 3 years
AERR
up to 14%
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"Reserve" deposit

Without the possibility of additional contributions and partial withdrawals
Amount
from 10 000 KZT
Term
up to 3 years
AERR
up to 15,5%
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"Reserve+" deposit

With the possibility of additional contributions and without the possibility of partial withdrawals
Amount
from 10 000 KZT
Term
up to 3 years
AERR
up to 14,5%
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Top 3 advantages
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Reliability
Your money is protected - all deposits are insured
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Flexibility
Treasure up in KZT (Tenge), USD (United States dollar), GBP (Great Britain Pound), EUR (Euro)or all currencies at once
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Convenience
We accrue income on a daily basis, on a monthly and at the end of the term
Promo Card
Replenish your deposit from a bank card or in any convenient way
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In cash through an ATM (Automatic Teller Machine) in tenge (KZT) and dollars (USD)<br />
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By the bank transfer according to the bank details
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In the mobile application (app) of our bank
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In cash through an ATM (Automatic Teller Machine) in tenge (KZT) and dollars (USD)<br />
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By the bank transfer according to the bank details
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In the mobile application (app) of our bank
Open a deposit in 5 minutes
1

Fill in the online application for opening a deposit – specify your personal data and deposit parameters

2

If you do not have the “Altyn-i” card, a bank representative will deliver the agreement and the card for free

3

Replenish the contribution (deposit) in the mobile application, by bank transfer or in cash through terminals

FAQ
How to open a deposit?

Press “Register deposit” in the personal account in Section “Deposits”. An application for deposit opening will open, and you have to select terms applicable for you, and fill in all the fields. Deposit is immediately opened. See more detailed information concerning the terms related to the deposits here.

Pay attention to the following fields when opening a deposit:

Deposit payment period (days) – means that the deposit will be paid upon the expiration of 30 calendar days in case of premature termination, or immediately – if 0 is provided.

Accrual of interests in case of premature termination – if 0 % is provided, all the accrued/capitalized remuneration is deducted from the deposit amount, and all the remunerations are cancelled. If a rate equal to percent rate is provided, the remuneration is paid for actual term of deposit placement at the specified rate.

What is the deposit rate?

Full information about the deposit rates can be found here.

How to find out how many interests are accrued on the deposit?

The accrued interests can be checked in the personal account in Altyn-I service or bank branch. Press “History of transactions” in the selected deposit in Altyn-I service, select the required period. It is also possible to set certain terms for search using filter. here.

How to find out how many interests are accrued on the deposit?

The accrued interests can be checked in the personal account in Altyn-I service or bank branch. Press “History of transactions” in the selected deposit in Altyn-I service, select the required period. It is also possible to set certain terms for search using filter.

You can also address the offices of our bank.

For how long can I open a deposit?

A deposit can be established for a period from one month to three years. More details about deposit rates can be found here.

How can I withdraw money from a deposit?

In your personal account, go to the Deposits section. Select the deposit you need, press the Partial withdrawal function and transfer money to your debit card. You can withdraw cash at the ATM.

How to review the terms (rate, date of term, etc.) related to my deposit?

Press “Details review” in the selected deposit in personal account using Altyn-I service, where all the terms related to this deposit will be displayed.

Is there a penalty for a partial withdrawal of funds from a deposit?

Depending on the type of deposit with a partial withdrawal, a penalty may or may not be provided. You can view the conditions  hereIf necessary, contact Bank support team, either through phone: +77273305777+77273565777, through the official accounts on Facebook and Instagram, or send a text message through WhatsApp, number: +77713305777

What are the conditions for early termination of the deposit agreement?

The terms for early termination of the agreement vary depending on the type of the selected deposit. More details about the conditions can be found  hereIf necessary, contact Bank support team, either through phone: +77273305777+77273565777, through the official accounts on Facebook and Instagram, or send a text message through WhatsApp, number: +77713305777

Is there a limit to the number of deposits I can establish?

No, there are no limits to the number of deposits.

Is there a limit for the deposit replenishment?

The possibility of deposit replenishment depends on the type of the chosen deposit. Information on deposits can be found   here.

What is the minimal amount of money I need to establish a deposit?

The information about the minimal amount of money depending on the type of deposit can be found here.

What is capitalization?

Capitalization is a periodic adding of interest to the deposit, that is, the addition of interest on interest.

Is it possible to automatically renew a deposit agreement?

Automatic prolongation of the deposit is possible if the client when signing the agreement, checked the Prolongation box. If the client has not fixed the prolongation, then on the day the agreement expires, the money from the deposit will immediately be transferred to the client’s account.

How can I close a deposit account?

If the client has not fixed the prolongation when signing the agreement, then on the day the agreement expires, the deposit account will be closed and the money from the deposit will immediately be transferred to the client’s account. In case of early termination of the deposit agreement, the client will need to go to the Deposits section in his personal account. Then, select the deposit you need and press the button Close deposit. The money will be transferred to the client’s account, depending on the conditions of the deposit. If necessary, contact Bank support team, either through phone: +77273305777+77273565777, through the official accounts on Facebook and Instagram, or send a text message through WhatsApp, number: +77713305777

Deposit Rates “Golden Reserve” (Deposit that does not meet the therms of urgency)

Deposit Currencies KZT USD EUR GBP
Deposit period 1-12 month 24 month 36 month 1-12, 24, 36 month 1-12 month 1-12 month
Interest Rate 13,14% 9,10% 8,65% 1,00% 0,10% 0,05%
Effective Interest Rate 14,00% 9,50% 9,00% 1,00% 0,10% 0,05%
Minimum amount / minimum balance 10 000 KZT,to – no limit 25 USD, to – no limit 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
Penalty for partial withdrawal absent
Condition for early termination of the contract Compensation is paid for the actual term of the deposit at the current deposit rate

Interest rates are approved by the decision of the Asset and Liability Management Committee No. 27072022 dated 27/07/2022 with the entry into force on 01/08/2022

Deposit Tariffs"Reserve" (Savings deposit)

Deposit Currencies KZT USD
Deposit period 3 month 6 month 12 month 24, 36 month 12, 24, 36 month
Interest Rate 14,05% 14,50% 13,90% 10,70% 1,00%
Effective Interest Rate 15% 15,50% 14,80% 11,20% 1,00%
Minimum amount / minimum balance 10 000 KZT, to – no limit 25 USD, to – no limit
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
Condition for early termination of the contract accrued interest is not paid, the contribution is paid no earlier than 30 calendar days from the date of the client’s request

Interest rates are approved by the decision of the Asset and Liability Management Committee No. 27082022 dated 27/08/2022 with the entry into force on 01/09/2022

Deposit Tariffs"Reserve+" (Savings deposit)

Deposit Currencies KZT USD
Deposit period 3 month 6 month 12 month 12, 24, 36 month
Interest Rate 13,20% 13,60% 12,30% 1,00%
Effective Interest Rate 14,00% 14,50% 13,00% 1,00%
Minimum amount / minimum balance 10 000 KZT, to – no limit 25 USD, to – no limit
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
Condition for early termination of the contract accrued interest is not paid, the contribution is paid no earlier than 30 calendar days from the date of the client’s request

 

Interest rates are approved by the decision of the Asset and Liability Management Committee No. 27082022 dated 27/08/2022 with the entry into force on 01/09/2022

How to open deposit?

If you are still not our client

Using Altyn-I app

  • Download and install mobile app Altyn-i in Google Play App Store
  • Pass registration and make a deposit to your account
  • Press button “Open new deposit” on the home page, select terms of deposit applicable for you, send application and receive the answer

For further questions contact support services: +77273305777+77273565777.

2) Address our bank offices at the following addresses

If you are already our client

1)Log in the personal account via browser or using Altyn-i app

Make sure that minimum amount is available on your account to open deposit (Minimum amount for opening: 10,000 KZT; 25 USD; 2 000 GBP; 2 000 EUR)

If you have logged in your personal account via browser: Press “+” button on the home page in Section “DEPOSITS”, select terms, send application and open deposit

If you have logged in your personal account using Altyn-I app Press “Open new deposit” button on the home page, select terms of deposit, send application and open deposit

2) Address our bank offices at the following addresses

How to refill deposit?

To open the deposit, current account with balance shall be available. You can make deposit to the current account by all the means convenient for you:

  • In the Bank branches: in cash, in tenge and foreign currency, if the document certifying your identity is available – commission-free.
  • In the network of terminal stations or bank machines of HalykBank JSC: in cash, in tenge and foreign currency (USD, EUR) using bank machines with a cash acceptance option (Cash-in option). Enter the entire number (IBAN) of the account opened in our bank (KZ…), or do not enter data, if you have a card opened in our bank – commission-free. Addresses of terminal stations and bank machines: https://halykbank.kz/branches_atm select the required bank machine using filter (acceptance in USD/EUR; 24/7 operation).
  • Cashless transfer: from any bank of the Republic of Kazakhstan in the branch or via Internet service using our bank details:

    Bank – Altyn Bank JSC

    BIC/SWIFT: ATYNKZKA

    Business Identification Number: 980740000057

    Full name of recipient

    Individual Identification Number of recipient

    Account: (IBAN) of recipient (KZ…)

    Beneficiary Code: Recipient code (19 – resident; 29 – non-resident)

    Payment Purpose Code: Payment destination

    Commission fee for the transfer is established by the sending bank or service. There is no commission fee for incoming payment in our bank.

  • Transfers between the cards of any banks of the Republic of Kazakhstan: cashless transfer in tenge and US dollars via Internet service or using bank machines of the banks of the Republic of Kazakhstan. The transfer is carried out only if the cards are available, by the way of transfer from any Bank card to the Altyn-I card.

    The amount of transfer shall not exceed the amount equal to 2,500 US dollars per one-time transfer, and shall not exceed the amount in tenge equal to 10,000 US dollars per day according to the current rate of exchange. Individual bank limits can be set individually in relation to the amount and number of transfers. Commission fee during transfer using Internet service of our bank: 1 % of the transfer amount (minimum 250 tenge).

  • Prompt transfer “Suńqar”: can be carried out in tenge using telephone number from the CenterCredit Bank (on a free basis) and Eurasian Bank (commission fee is equal to 250 tenge). Maximum amount is equal to 500,000 tenge per day and for one-time transaction.
  • International SWIFT transfer: without limitations on the transfer amount, in any currency, and from any country. The transfer commission fee is established by the sending bank or service. To carry out transfer, current accounts shall be available for sending and receipt. See our bank details for transfer receipt in Section “Cashless transfer”.

Pay attention to the following fields when opening a deposit:

Deposit payment period (days) – means that the deposit will be paid upon the expiration of 30 calendar days in case of premature termination, or immediately – if 0 is provided.

Accrual of interests in case of premature termination – if 0 % is provided, all the accrued/capitalized remuneration is deducted from the deposit amount, and all the remunerations are cancelled. If a rate equal to percent rate is provided, the remuneration is paid for actual term of deposit placement at the specified rate.

Notification of a new procedure for payment of the guarantee compensation

The Bank hereby informs its personal customers with whom it has concluded a bank account and/or bank deposit agreement (hereinafter referred to as – the depositors) of the introduction of a new procedure for payment of the guarantee compensation in the event that the Bank is deprived of its license to conduct all banking operations.
The new procedure for payment of the guarantee compensation shall apply to the depositors:
with whom the Bank has concluded bank account and/or bank deposit agreements after 30 April 2021, and
for whom the validity term of the previously concluded bank account and/or bank deposit agreements was extended for another term from 1 May 2021.
The new procedure for payment of the guarantee compensation provides two ways of obtaining the guarantee compensation by the depositors: (1) in the agent bank and (2) electronically via the electronic payment portal of Kazakhstan Deposit Insurance Fund JSC (hereinafter referred to as – the KDIF) or the web portal of the “electronic government”. In this case, the period of payment of the guarantee compensation shall be restricted to one year from the date of commencement of payment.

The KDIF will inform the depositors of the date of commencement of guarantee compensation payments, specifying the list of agent banks, the period and places of payments, within thirty-five working days from the date of withdrawal of the Bank’s license to conduct all banking operations.

If the depositors do not apply for obtaining the guarantee compensation after one year from the date of commencement of payments, the KFGD will transfer the amounts not being claimed by them to their accounts in the Unified Accumulative Pension Fund as voluntary pension contributions.

You may familiarize with the full text of the notification of a new procedure for the payment of guarantee compensation by following the link below: Notification

The new procedure for payment of the guarantee compensation will be applied to the guarantee compensation payments for deposits of the banks whose licenses to conduct all banking operations have been withdrawn after May 1, 2021, as well as the banks, for the deposits of which the guarantee compensation payment is being made and for which the expiry date of the guarantee compensation payment is set until May 1, 2022.

The maximum amount of the payable guarantee compensation is:

20 million tenge for savings deposits (deposits) in national currency;
10 million tenge for cards, accounts and other deposits in national currency;
5 million tenge for cards, accounts and deposits in foreign currency (equivalent to the exchange rate at the date of withdrawal of the bank’s license).
For additional information related to the issues on deposit guarantee, including the procedure for obtaining guarantee compensation, the depositors may contact the bank’s specialists by dialing the cell-phone number +77273565777 or contact directly the KDIF’s by dialing the call center’s number – 1460.

What deposits fall under the Rules for the payment of compensation on deposits of individuals (hereinafter referred to as the Rules)
  • Fixed-term and savings deposits placed in tenge, which had current deposits as of 23.02.2022 with the condition until 23.02.2023, inclusive
  • The rules for the payment of compensation do not apply to current and card accounts, as well as to demand deposits and conditional deposits, as well as deposits in foreign currency.
When and to whom will compensation be paid?

– Compensation will be paid after 23.02.2023

– Payment of compensation will be made to depositors, residents and non-residents of the Republic of Kazakhstan provided that the term of the deposit has not expired, or has been extended one or more times until 23.02.2023, inclusive.

– In case of full withdrawal, early closing of the deposit in the period from February 24, 2022 to February 23, 2023, compensation is not paid.

How much compensation will be paid?

– In the amount of 10% of the deposit balance as of the end of the day on 23.02.2022

– In case of partial withdrawal of the deposit, for the minim

  1. What are the requirements to receive compensation?

um balance, for the entire period of the deposit within 12 months from 23.02.2022 to 23.02.2023

Example of compensation calculation, in case of partial withdrawal:

23.02.22 – balance of the deposit 100,000 tenge

18.04.22 – partial withdrawal from the deposit in the amount of 60,000 tenge, balance of the deposit is 40,000 tenge

20.06.22 – replenishment by 500,000 tenge, balance of the deposit is 540,000 tenge

The compensation payment date is 23.02.2023 – the minimum balance for the entire period of the deposit is taken – in this example, it is 40,000 tenge and 10% compensation is charged on the minimum balance amount, that is, 4,000 tenge.

What are the requirements to receive compensation?

– It is necessary to submit statement of consent to receive compensation by contacting the branches of the Bank or in the personal cabinet of the Altyn-I service before January 01, 2023, in the required form. Depositors who do not submit the statement of consent will not be compensated.

– Mandatory condition for the accrual of compensation is the preservation of the deposit until 23.02.2023, inclusive.

– If the deposit expires before 23.02.2023, then it can be extended at the request of the client.

The client can submit an application in free form in the following ways:

  • in the branch office
  • in the personal cabinet

– from the date of entry into force of the Rules for the payment of compensation, all deposits that fall under the Rules are prolonged by the Bank in accordance with the terms of the agreement, in accordance with the Rules

– Money on a deposit that was valid at the end of the trading day on February 23, 2022, the term of which expired and was not extended from February 24, 2022 to October 1, 2022 inclusive, with the consent of the depositor, is placed on a new deposit at least up to February 23, 2023 inclusive, provided that after the expiration of the deposit, which was valid at the end of the trading day on February 23, 2022 and before the placement on a new deposit, the money was not:

seized by the depositor (depositor);

converted into foreign currency.

Example:

The client has a deposit for a period of 3 months, when the client submits an application for auto prolongation, the deposit will be extended every three months until the due date for payment of compensation on 23.02.2023. Further, according to the terms of the contract, the client, if desired, can again stop the auto-renewal; use the deposit, or close the deposit ahead of schedule.

What is the maximum compensation amount?
  • If a depositor has two or more deposits in one bank, compensation is accrued on all deposits, the maximum amount on all deposits for calculating and paying compensation is 20 million tenge, the maximum amount of compensation, respectively, is 2 million tenge. If the client has deposits of 20 million tenge in several banks, then the client will receive compensation of 2 million tenge in each bank where he has a deposit.
Who will pay compensation?

– Payment of compensation will be made at the expense of budgetary funds.

– Compensation will be credited to the current accounts of depositors.

Other questions?

– If you have any questions about the payment of compensation, please contact the Bank’s Contact Center at: +7 727 356 57 77 or WhatsApp +7 771 330 57 77.

– The rules are posted on the website https://legalacts.egov.kz/npa/view?id=14131971

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