Deposit Comfortable

“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 consultation

Terms of deposit

Deposit replenishment

Partial withdrawals

Payment of remuneration

Early closure

Yes

Monthly payment to current account / capitalization

Up to 1 month – no remuneration
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)

14.0 (up to 14.9)

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)

13.7 (up to 14.6)

8.7 (up to 9.1)

7.7 (up to 8.0)

RUB

1 000

100 000 000

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 VTB Bank (Kazakhstan) JSC Extract No. 1 from Minutes No. 3 dated 02/28/2025 (effective from 03/03/2025)

³ Approved by the decision of the ALCO of Subsidiary VTB Bank (Kazakhstan) JSC Extract No. 1 from Minutes No. 6 dated 04.24.2025 (came into effect from 03.03.2025)