Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Altyn-i review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Altyn-i pays a fixed rate of 13.8% to 19.56% on the Reserve+ savings deposit, well above the 3.06% seen across savings listings. It suits Kazakhstan savers holding tenge who can leave the balance untouched until the term ends, with a KZT 10,000 minimum deposit and interest paid monthly.

Key facts

Best for
Tenge savers who want a fixed rate and can leave the money in place
Headline rate
13.8% to 19.56%↗
Rate type
Fixed↗
Term
3 to 12 months↗
Minimum deposit
KZT 10,000↗
Access terms
Savings deposit Reserve+ in KZT: top-ups allowed, no partial withdrawals, no auto-renewal, interest paid monthly; early closure forfeits accrued interest and payout not before 30 calendar days from request↗
Monthly fee
KZT 0↗
Account kind
Fixed↗
Legal entity
JSC Altyn Bank (AO Altyn Bank), subsidiary of China CITIC Bank Corporation Ltd↗
Headquarters
Kazakhstan↗
Founded
1998↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Official website
altyn-i.kz

Credit cards

Annual fee
KZT 10,990↗
APR
21% to 36%↗
Rewards type
Cashback↗
Rewards rate
0.5% base, 5% on transport↗
Perks
20% discount on train tickets, Free cash withdrawals up to 1 million KZT monthly, 60 day grace period↗
Cashback rate
0.5%↗
Card kind
Credit↗
Features
Travel

Debit cards

Free ATM withdrawals
KZT 1,000,000↗
Card type
Debit↗
Cashback rate
5%↗
Card network
Mastercard↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • A fixed rate of 13.8% to 19.56% on the Reserve+ savings deposit, well above the 3.06% across savings listings
  • Top-ups are allowed, so the balance can build up without opening a new deposit
  • Interest is paid monthly, keeping the return visible while the deposit runs
  • A Mastercard debit card with a monthly fee of KZT 0 and free ATM withdrawals up to KZT 1,000,000

Cons

  • Closing a 3 to 12 deposit early forfeits the accrued interest, and payout waits for a notice period
  • Credit card borrowing runs at 21% to 36%, above the 13.75% across savings listings

Ready to try Altyn-i?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Tenge holders saving in Kazakhstan who want a known rate for a fixed term
  • Savers who can add to the balance over time and leave it until maturity
  • Customers who also want a Mastercard debit card with a monthly fee of KZT 0

Who should look elsewhere

  • Anyone needing part of the balance before the 3 to 12 term ends, since partial withdrawals are not among the access terms
  • Savers who would lose the accrued interest by closing a 3 to 12 deposit early
  • Finteres, Wise and bunq, whose listed rates sit below 13.8% to 19.56% on the Reserve+ deposit

Rates and card terms

The Reserve+ savings deposit pays a fixed rate of 13.8% to 19.56% for terms of 3 to 12, so the return holds for the length of the deposit rather than moving with the market. Tenge savers who can leave the money in place take a far higher yield than easy-access savings accounts typically pay. Borrowing runs the other way, with the credit card charging 21% to 36%.

Fees and FX

The Reserve+ savings deposit asks for a minimum deposit of KZT 10,000 before interest starts, which sets the floor for the balance. The bundled debit card carries a monthly fee of KZT 0, so keeping the account open adds nothing to monthly outgoings while the deposit runs. Together, the minimum balance and the card month are the only outlays a saver needs to plan for.

How Altyn-i compares

Where Altyn-i is available

Available
Kazakhstan
Licence in Kazakhstan
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (3.3.254/46), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the Reserve+ savings deposit pay?+

The Reserve+ savings deposit pays a fixed rate of 13.8% to 19.56% for terms of 3 to 12, with interest credited monthly. The account kind is fixed, so the rate does not move during the term. It is a single market offer in Kazakhstan.

Can I withdraw part of my money early?+

Partial withdrawals are not among the access terms on the fixed Reserve+ savings deposit, and closing it before 3 to 12 ends forfeits the accrued interest. Payout also waits for a notice period, so early money needs a waiting period. Top-ups are allowed while the deposit runs.

How much do I need to open the deposit?+

The minimum deposit is KZT 10,000. You can add to it later because top-ups are allowed, and interest is paid monthly rather than only at the end of the term. Cards from the same bank carry a monthly fee of KZT 0.

Who regulates Altyn-i and who owns it?+

Altyn-i is run by JSC Altyn Bank, a subsidiary of China CITIC Bank Corporation Ltd. The regulator is the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan, and the bank was founded in 1998.

Does Altyn-i charge for the card?+

The Mastercard debit card carries a monthly fee of KZT 0, with free ATM withdrawals up to KZT 1,000,000. The Altyn Express card is a credit card with an annual fee of KZT 10,990 and travel perks such as a discount on train tickets.

What rewards do the Altyn-i cards give?+

The credit card pays cashback, with 0.5% base, 5% on transport on rewards: 0.5% as the base rate and more on transport spending. The reward type is cashback rather than points, and the Altyn Express card carries an annual fee of KZT 10,990 in exchange for the higher transport rate.

How do I reach Altyn-i support?+

Support runs through phone, chat and help centre, so phone, chat and a help centre are all available for deposit questions. The same bank issues the Mastercard debit card and the credit card, and the savings deposit is offered in a single market, Kazakhstan.

Is Altyn-i a good place to borrow?+

Borrowing is the weaker side. The credit card charges 21% to 36%, well above the 13.75% across savings listings, so a card balance is expensive. Saving is the stronger side, with 13.8% to 19.56% paid on the fixed Reserve+ deposit from KZT 10,000.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

Altyn-i

Tenge savers who want a fixed rate and can leave the money in place

9.2/10See alternatives