“Comfortable” - flexible deposit
This is the most convenient type of deposit, with the ability to replenish and withdraw money at any time, within the minimum balance, without loss of reward.
Get a consultationDeposit Comfortable
Terms of deposit
Deposit replenishment
Partial withdrawals
Payment of remuneration
Early closure
Yes
Yes
Monthly payment to current account / capitalization
Up to 1 month – no remuneration
Over 1 month – ½ rate for actual time
Over 1 month – ½ rate for actual time
type of Deposit according to the Civil Code of the Republic of Kazakhstan - time deposit
Maximum (limit) guarantee amount for the Deposit¹:
- for deposits in tenge - 10,000,000 tenge
- for deposits in foreign currency - 5,000,000 tenge
Remuneration rates
Currency
Opening a deposit
Minimum deposit amount
Maximum deposit amount
6 months
12 months
13 months
24 months
36 months
KZT²
In mobile banking
1,000 - when opening a deposit in Mobile Banking
1 800 000 000
13.0 (up to 13.9)
13.5 (up to 14.4)
12.5 (up to 13.2)
9.0 (up to 9.4)
8.0 (up to 8.3)
KZT²
In the department
15,000 - when opening a deposit at Bank branches
1 800 000 000
12.7 (up to 13.5)
13.2 (up to 14.0)
12.0 (up to 12.7)
8.7 (up to 9.1)
7.7 (up to 8.0)
RUB
-
1 000
100 000 000
-
1,0
(up to 1.0)
(up to 1.0)
-
-
-
From May 3, 2022, the acceptance of deposits from individuals in US dollars will cease.
Note: The annual effective interest rate is calculated in accordance with the requirements of the National Bank of the Republic of Kazakhstan.
¹ Maximum (limit) amount of guarantee for the Deposit - the amount of guarantee compensation, based on the amount of the balance of money in the savings account, constituting the maximum (limit) amount of the guarantee (guarantee compensation) established by Article 18 of the Law of the Republic of Kazakhstan “On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan”, as of the date of deprivation of the Bank’s license to conduct all banking operations.
² For prolongation of “Comfortable” deposits in tenge, opened until 08/16/2021, the interest rate is applied as for “Comfortable” deposits with a minimum balance of 15,000 tenge.
³ Approved by the decision of the Asset and Liability Management Committee of Subsidiary Bank VTB Bank (Kazakhstan) JSC: extract No. 1 from Minutes No. 21 dated September 16, 2026 (effective from September 21, 2026)