We remind you that in case of the borrower failing to meet obligations under the bank loan agreement and not satisfying the requirements arising from the Bank's notification of the necessity to fulfill obligations under the bank loan agreement, the Bank is entitled to take the following measures:
In addition to the liability arising from the above measures taken by the Bank, the borrower is also liable to pay penalties (fines, fees) in the amount specified by the bank loan agreement for breach of obligations regarding the insurance of the collateral object, including renewal or extension of the insurance agreement, obligations regarding the target use of the loan and breach of other non-cash obligations according to the conditions of the bank loan agreement, as well as to compensate the Bank for all losses in full amount beyond the penalties, connected with the borrower's breach of obligations under the bank loan agreement and the Bank's actions related to debt recovery.
We inform you that if the borrower is an individual, they are entitled to visit the Bank and/or submit in written form or in a manner specified by the Agreement, a statement detailing the reasons for the delay in fulfilling obligations under the Agreement, income, and other confirmed circumstances (facts) justifying their request to amend the terms of the Agreement, within thirty calendar days from the date of delayed performance of obligations under the bank loan agreement (hereinafter - the Agreement), in accordance with point 1-1 of Article 36 of the Law of the Republic of Kazakhstan "On Banks and Banking Activities in the Republic of Kazakhstan" (hereinafter - the Law on Banks). Within fifteen calendar days from the day of receipt of the individual borrower's application, as provided by point 1-1 of Article 36 of the Law on Banks, the Bank considers the proposed changes in terms of the Agreement by the individual borrower and notifies the individual borrower in writing or manner specified by the Agreement about:
If the Bank's decision on refusal to amend the terms of the Agreement is received, or if a mutually acceptable decision on changing the terms of the Agreement is not reached, the individual borrower is entitled to apply to the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market within 15 (fifteen) calendar days from the date of receipt of the Bank's decision, simultaneously notifying the Bank. If the borrower's request concerning the necessity of making payments under the Agreement, including overdue debt, is not satisfied by the Bank, in accordance with point 2 of Article 36 of the Law on Banks, the Bank is entitled to impose unilaterally payment demands, provided such collection is stipulated in the Agreement, taking into account restrictions, provided by the Law on Banks.
In cases where the borrower's demand by the Bank for making payments under the Agreement, including overdue debt, is not satisfied, and the individual borrower does not exercise the rights provided by point 1-1 of Article 36 of the Law on Banks, or there is no consent between the individual borrower and the Bank concerning the amendment of the terms of the Agreement, according to point 2-1 of Article 36 of the Law on Banks, the Bank has the right to apply measures against the borrower provided by the legislation of the Republic of Kazakhstan and/or the Agreement, including, but not limited to, transferring the debt for pre-trial recovery and settlement to a collection agency (if such a right is stipulated in the Agreement), assigning the right (demand) under the Agreement to a person specified in point 4 of Article 36-1 of the Law on Banks, filing a claim in court for debt recovery under the Agreement, as well as foreclosing on pledged property out of court, except as provided by the Law of the Republic of Kazakhstan "On Mortgage of Immovable Property", or in court.
We remind you that in case of the borrower failing to meet obligations under the bank loan agreement and not satisfying the requirements arising from the Bank's notification of the necessity to fulfill obligations under the bank loan agreement, the Bank is entitled to take the following measures:
In addition to the liability arising from the above measures taken by the Bank, the borrower is also liable to pay penalties (fines, fees) in the amount specified by the bank loan agreement for breach of obligations regarding the insurance of the collateral object, including renewal or extension of the insurance agreement, obligations regarding the target use of the loan and breach of other non-cash obligations according to the conditions of the bank loan agreement, as well as to compensate the Bank for all losses in full amount beyond the penalties, connected with the borrower's breach of obligations under the bank loan agreement and the Bank's actions related to debt recovery.
We inform you that if the borrower is an individual, they are entitled to visit the Bank and/or submit in written form or in a manner specified by the Agreement, a statement detailing the reasons for the delay in fulfilling obligations under the Agreement, income, and other confirmed circumstances (facts) justifying their request to amend the terms of the Agreement, within thirty calendar days from the date of delayed performance of obligations under the bank loan agreement (hereinafter - the Agreement), in accordance with point 1-1 of Article 36 of the Law of the Republic of Kazakhstan "On Banks and Banking Activities in the Republic of Kazakhstan" (hereinafter - the Law on Banks). Within fifteen calendar days from the day of receipt of the individual borrower's application, as provided by point 1-1 of Article 36 of the Law on Banks, the Bank considers the proposed changes in terms of the Agreement by the individual borrower and notifies the individual borrower in writing or manner specified by the Agreement about:
If the Bank's decision on refusal to amend the terms of the Agreement is received, or if a mutually acceptable decision on changing the terms of the Agreement is not reached, the individual borrower is entitled to apply to the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market within 15 (fifteen) calendar days from the date of receipt of the Bank's decision, simultaneously notifying the Bank. If the borrower's request concerning the necessity of making payments under the Agreement, including overdue debt, is not satisfied by the Bank, in accordance with point 2 of Article 36 of the Law on Banks, the Bank is entitled to impose unilaterally payment demands, provided such collection is stipulated in the Agreement, taking into account restrictions, provided by the Law on Banks.
In cases where the borrower's demand by the Bank for making payments under the Agreement, including overdue debt, is not satisfied, and the individual borrower does not exercise the rights provided by point 1-1 of Article 36 of the Law on Banks, or there is no consent between the individual borrower and the Bank concerning the amendment of the terms of the Agreement, according to point 2-1 of Article 36 of the Law on Banks, the Bank has the right to apply measures against the borrower provided by the legislation of the Republic of Kazakhstan and/or the Agreement, including, but not limited to, transferring the debt for pre-trial recovery and settlement to a collection agency (if such a right is stipulated in the Agreement), assigning the right (demand) under the Agreement to a person specified in point 4 of Article 36-1 of the Law on Banks, filing a claim in court for debt recovery under the Agreement, as well as foreclosing on pledged property out of court, except as provided by the Law of the Republic of Kazakhstan "On Mortgage of Immovable Property", or in court.
A convenient deposit for saving money if for some reason you do not want to keep it directly on the card, but want to be able to withdraw funds at any time.
A convenient deposit for saving money if for some reason you do not want to keep it directly on the card, but want to be able to withdraw funds at any time.
| Currency Type | Annual Remuneration Rate, % | Annual Effective Remuneration Rate, % |
| KZT | 0 | 0 |
| USD | 0 | 0 |
| EUR | 0 | 0 |
An individual rate of up to 0.1% may be offered at the discretion of the Asset and Liability Management Committee.
Remuneration rates approved by decision of the Asset and Liability Management Committee No. 57-9 dated 28.04.2023.
Remuneration rates approved by decision of the Asset and Liability Management Committee No. 57-9 dated 28.04.2023.
The Nur Altyn Optimal deposit can be opened in one of the following currencies: tenge, US dollar, euro.
The Nur Altyn Optimal and Nur Altyn Savings deposits are opened at the Bank's branch or via the Nur24.kz mobile app. List of Bank branches
Yes, at the end of the contract term, the deposit is renewed for the same period.
At Nurbank, you can open the following deposits:
You can find the main terms for deposits in the Deposits section
Each deposit is guaranteed by KDIF.
Since 1999, a special fund, JSC "Kazakhstan Deposit Insurance Fund" (KDIF), has been operating in Kazakhstan, aimed at insuring depositors' funds.
All individual deposits in JSC "Nurbank" are subject to mandatory insurance. The state guarantee for all deposits and bank accounts per depositor amounts to:
If multiple deposits of different types and currencies are placed in the bank, the total balance of the amount across all deposits is guaranteed, but not exceeding the maximum amount of the insurance compensation – 20 million tenge, considering the limits for each type of deposit.
To open a deposit online in the Nur24.kz app, attaching documents is not necessary. To open a deposit in a branch, you need to provide the original identity document.
Foreign citizens are required to provide the following when opening an account:
You can top up your deposit from your accounts/cards without fees in the Nur24.kz app, and also top up deposits via Nurbank payment terminals.
Transfer in the Nur24.kz app: in the "Accounts" section, select the deposit, click "Top up", choose the account/card from which you want to transfer money, enter the transfer amount - then confirm the transfer.
Yes, the statement can be obtained online in the Nur24.kz app in PDF format:
A deposit can only be closed at a bank branch, and you must have an identity document with you.
Deposit Terms
Partial withdrawal is provided only for the payment of education by means of cashless transfer to the account of the educational institution based on supporting documents.
Yes, a deposit calculator is available on the Bank's website in the 'Deposits' section, where you can perform calculations. Deposit calculator
Yes, you can transfer money from the “Nur Altyn Optimal” and “Nur Altyn Saving” deposits to the card via Nur24.kz by clicking the “Transfer” button. Please note that partial withdrawal to the card is available up to the non-reducible deposit balance.
You can view the statement in the Nur24.kz app at any time without visiting the Bank branch:
No, it is only possible to top up a tenge deposit for free through the terminals. Dollar deposits can be topped up at the Bank's branches.
No. You can close the deposit only at the Bank branch, and you must have an identification document with you.
You can open any number of deposits in tenge or foreign currency. One person can open an unlimited number of deposits.