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

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?: One digital tenge is equivalent to one tenge in both cash and non-cash forms.

Terms

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Frequently Asked Questions