Terms

Currency of Financing

KZT, USD* and other foreign currencies as decided by the Bank's authorized body

Interest Rate

from 24.5% to 26% (Effective Annual Rate from 31.4% to 33.3%)**

Type of Credit

Bank Loan
Overdraft Limit (revolving credit line)

Loan Term

Revolving credit line limit term — up to 12 months
Tranche term within the overdraft limit — up to 30 calendar days

Loan Amount

Up to 1,000,000,000 ₸ or equivalent in foreign currency
Up to 40% of net average monthly credit turnover in the Bank and 15% of net average monthly credit turnover in other banks

Repayment Schedule

As funds are credited to the borrower's current account in the Bank
At the end of the Overdraft term

Fee

According to the Bank's approved tariffs

* For clients with respective foreign currency earnings and/or those whose currency risks are covered by appropriate hedging instruments.

* Remuneration rates were approved by the decision of the Asset and Liability Management Committee (Appendix No. 1 to Minutes No. 56-14 dated May 6, 2026)

Frequently Asked Questions

1. What is an overdraft?: It is a short-term loan provided when there are insufficient funds on the current account.

2. How long is the overdraft limit valid?: The limit term is up to 12 months.

3. Who is the overdraft available to?: To bank clients with active current accounts and stable turnover.

4. How is the debt repaid?: When funds are credited to the account or at the end of the overdraft term.

5. What is the maximum limit?: The maximum overdraft amount is up to 40% of net average monthly credit turnover in the Bank and 15% of net average monthly credit turnover in other banks.

Terms

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Frequently Asked Questions