«Accumulatione» Deposit

"Accumulation" - flexible deposit

"Accumulation" deposit 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 remuneration.

Deposit conditions

Deposit replenishment Partial withdrawals Payment of remuneration Early closure
There are There are
Monthly payment to the current account / capitalization of remuneration Up to 1 month from the date of deposit opening – without remuneration, Over 1 month – ½ of the remuneration rate for the actual time spent on the account

Deposit type according to the Civil Code of the Republic of Kazakhstan – fixed-term deposit

Maximum (marginal) amount of the Deposit guarantee*:

- for deposits in KZT – 10 000 000 KZT

- on deposits in foreign currency – 5 000 000 KZT

Rate of remuneration

Currency Minimum deposit amount (minimum balance) Maximum amount Deposit terms, in months
12 13 24 36
Remuneration amount (% per annum, % AERR)
KZT 15 000 1 800 000 000 8,0 (дup to 8,3) 8,0 (up to 8,3) 8,0 (up to 8,3) 8,0 (up to 8,3)

Acceptance of deposits from individuals in US dollars is terminated since May 3, 2022. Current deposits in this currency will be rolled over at a rate of 0% per annum, regardless of the period of placement and the type of deposit.

Note: The annual effective interest rate was calculated in compliance with requirements of the RK Agency for Regulation and Supervision of the Financial Market and Financial Organizations.  

Documents for opening deposit  - Document identifying the person

*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.