"Education - AQYL"

"Education - AQYL" is the best solution for saving money for education of your child!

By opening an Educational-AQYL Deposit: You accumulate money, receive remuneration from the bank and receive a state bonus

Main conditions

  1. The Bank pays remuneration every month.
  2. The state bonus is accrued annually on the actual balance of the deposit amount as of January 1 with a 1-year minimum accumulation period:
    – in addition to the Bank's rate of remuneration + 5% per annum for all categories of depositors
    – in addition to the Bank's rate of remuneration + 7% per annum for the priority categories of depositors (orphans, disabled people, children from large families (4 more children), children from low-income families (before reaching 23 years old)).
  3. A depositor can only be a citizen of the Republic of Kazakhstan, regardless of the age.
  4. Only one deposit agreement throughout the Republic of Kazakhstan may be drawn up per Depositor.

Deposit Terms

Deposit replenishment Partial withdrawal Remuneration payment Early closing
Yes No,
with the exception of the intended use of the deposit – transfer to the educational organization
Monthly capitalization At the agreement rate, for the actual time

Rate of remuneration

Currency Minimum deposit amount Deposit terms, in months
Remuneration amount (% per annum, % AERR)
(in 2023 – 10 350 tenge)
8,5 (up to 8,8)

The "Educational" deposit is an object of mandatory guarantee of deposits of individuals.

Documents for opening a deposit - Identity document