"Profitable" Deposit

"Profitable" – deposit for target savings

Is an irrevocable deposit with the highest rate of remuneration among deposits in tenge. This deposit is suitable for those who plan to invest their money for a long time and not use it during the deposit period (additional contributions and partial withdrawals are not provided for)

Deposit Terms

Deposit replenishment Partial withdrawal Remuneration payment Early closing
No No Monthly capitalization Acceptance of the application for termination from the client 30 days before the planned deposit closing. In case of early termination, the remuneration is recalculated at the demand rate.

Deposit type according to the Civil Code of the Republic of Kazakhstan – savings deposit

Maximum (marginal) amount of the Deposit guarantee*: 20 000 000 KZT

Note: Rate of “Demand” Deposit - 0% per annum (AERR (annual effective rate of return) - 0% per annum)

Rates on deposits of individuals when opening a deposit through Bank branches

Currency Minimum deposit amount
(minimum balance)
Maximum amount Deposit terms, in months
3 6 12 13 24 36
Remuneration amount (% per annum, % AERR)
KZT¹ 100 000 1 800 000 000 15,4
(up to 16,5)
(up to 16,7)
(up to 17,0)
(up to 13,4)
(up to 12,7)
(up to 11,6)
From May 3, 2022, the acceptance of deposits of individuals in US dollars will cease. Current deposits in this currency will be extended at a rate of 0% per annum, regardless of the placement period and the type of deposit.

Note: The annual effective interest rate is calculated in accordance with the requirements of the National Bank of the Republic of Kazakhstan.

¹:  For prolongation of "Profitable" deposits in tenge, open until 01.12.2020, the interest rate is applied as for "Profitable" deposits with an irreducible balance of 100,000 tenge.

*Maximum (marginal) amount of the Deposit guarantee is the amount of the guaranteed reimbursement, based on the amount of savings account balance constituting the maximum (marginal) amount of the guarantee (guaranteed reimbursement) determined by Article 18 of the Law of the RK "On Compulsory Guaranteeing of Deposits Placed with the Second-Tier Banks in the Republic of Kazakhstan", on the date of revocation of the Bank license for all banking operations. If the Depositor has several above-mentioned different types of guaranteed deposits with the Bank, the organization performing the compulsory guaranteeing of deposits shall pay the aggregate guaranteed reimbursement for them to the extent of the maximum amount of the guaranteed reimbursement prescribed for each type of deposit separately, but not more than twenty million KZT.