Alatau City Bank review

Deposits pay a fixed rate of 14.65% to 16.08%, and the rate type is listed as fixed rather than a variable one. The account kind is fixed, so the return is set when the account opens and holds to maturity. The middle rate among term deposits listed here is 6%.

The term runs up to 12, a short commitment for a fixed deposit. The rate of 14.65% to 16.08% holds for the whole of it, so a change in market rates will not lift what you earn. Savers who may need the cash back sooner should weigh that shorter window against the higher rate.

Deposits are guaranteed by the Kazakhstan Deposit Guarantee Fund up to a capped sum, so a balance above that ceiling sits outside the scheme. The account runs up to 12 at a fixed rate of 14.65% to 16.08%, and the bank itself is based in Kazakhstan. Check your own balance against the cap.

The bank is based in Kazakhstan, and both the deposit and the loans are priced in local currency, so the account suits savers holding Kazakhstan money. Loans run KZT 30,000 to KZT 8,000,000 in that currency, so the sums stay modest. Readers saving in sterling or euros would convert first, and the rate of 14.65% to 16.08% then applies to the local balance.

The card is a debit card with a monthly fee of KZT 0, so holding it adds no monthly charge to the account. Spend earns cashback of 2.5%, and the same bank runs both the deposit and the card. One relationship then covers saving and everyday spending.

Yes. The listed card feature is virtual card, so a virtual version sits alongside the physical card. That suits readers who want a card number for online spending without carrying the physical debit card, which has a monthly fee of KZT 0.

Yes. The lender kind is listed as direct lender, and the loans cover personal, debt consolidation and payday. The rate is an APR of 31.4% to 35.1% and borrowing runs KZT 30,000 to KZT 8,000,000, so the cost is high next to the deposit rate of 14.65% to 16.08% and the sums stay modest. Borrow only for amounts you can clear quickly.

Free early repayment is offered on the express credit, so a loan can be closed ahead of schedule without a charge. That flexibility sits on the borrowing side. The deposit is fixed and runs up to 12 with the rate of 14.65% to 16.08% locked in, so weigh which side of the bank you are using before you commit.

Support runs on phone, email and help centre, so phone, email and a help centre are the listed routes and live chat is not among them. That suits readers who prefer to speak to someone by phone. Questions about the deposit guarantee are worth putting to the help centre before you open an account.