ForteBank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ForteBank suits Kazakhstan residents who want a high headline rate on a fixed deposit and still keep access to their money. Interest is paid daily and early closure is at the contract rate, so the 15.3% headline does not lock the whole balance away.
Key facts
- Best for
- A fixed-rate deposit with a high headline rate and daily interest, run from Kazakhstan.
- Headline rate
- 15.3%↗
- Rate type
- Fixed↗
- Term
- 13 months↗
- Minimum deposit
- KZT 1,000↗
- Access terms
- 24/7 access to funds, replenish at any time, partial withdrawal up to 1 000 KZT, early closure at the contract rate, interest paid daily↗
- Account kind
- Fixed↗
- Legal entity
- JSC ForteBank↗
- Headquarters
- Kazakhstan↗
- Founded
- 2015↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- forte.kz
Loans
- APR
- KZT 18.70 to KZT 46↗
- Loan amount
- KZT 50,000 to KZT 9,500,000↗
- Arrangement fee
- 0%↗
- Funding time
- Shortly after signing the loan agreement, credited to the client's account↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Citizens of the Republic of Kazakhstan, from 20 years old to retirement age at loan maturity; not issued to non-residents↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Secured, Car, BNPL↗
Pros and cons
Pros
- Headline rate of 15.3% on a fixed basis, well above the site median of 3%
- Interest is paid daily and the account can be replenished at any time
- Free early repayment, so the deposit is not locked for the full term
- A minimum deposit of KZT 1,000 is low among fixed-rate accounts
Cons
- Support runs on phone, email and help centre only, with no live chat or community channel
- The term of 13 is shorter than the fixed-deposit median of 36
- Loans carry an APR of KZT 18.70 to KZT 46, well above the site median of 15.5%
Who it suits
- Kazakhstan residents saving in tenge who want a high fixed rate with daily interest
- Savers who keep some funds accessible and value free early repayment
- Households that also want consumer credit and mortgages from the same bank
Who should look elsewhere
- Savers who want a live chat or community support, since support runs on phone, email and help centre
- People planning a mortgage, as the initial rate of 1% to 17.2% is high against the site median of 4.69%
- Borrowers wanting a low rate, since the APR of KZT 18.70 to KZT 46 sits well above the site median of 15.5%
Where it sits among rivals
On headline rate, ForteBank ranks 19 of 488 savings accounts on the site, well above the savings median of 3.06%. On term it ranks 7 of 36, with 13 shorter than the savings median of 36. The rate is fixed, and 30.7% share of savings accounts share that label.
How ForteBank compares
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Where ForteBank is available
- Available
- Kazakhstan
- Licence in Kazakhstan
- Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (1.1.965.133), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does ForteBank pay on this deposit?+
The account pays a fixed headline rate of 15.3% in tenge. The rate type is fixed and the model is fixed rate, so it does not move with the market. Interest is credited daily rather than at the end of the term.
How much can I put in, and how long do I commit?+
The minimum deposit is KZT 1,000, which is among the lower entry points for fixed accounts. The term is 13, shorter than the fixed-deposit median of 36. Early closure is allowed at the contract rate.
Can I withdraw money before the term ends?+
Yes, and free early repayment is included. Funds are available around the clock, the account can be replenished at any time, and interest is paid daily. Partial withdrawal is allowed up to a set cap each time.
Is the money protected and who regulates the bank?+
ForteBank is JSC ForteBank, headquartered in Kazakhstan, and it is licensed by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market. It also lends directly rather than acting as a broker. Savings, consumer loans and mortgages all sit with the same bank.
Can I borrow and take a mortgage from the same bank?+
Yes. ForteBank lends directly across personal, debt consolidation, secured, car and buy now pay later lending, with amounts of KZT 50,000 to KZT 9,500,000 and an APR of KZT 18.70 to KZT 46. Mortgages run on an initial rate of 1% to 17.2% for 1 to 15, up to 80% loan to value.
What fees come with borrowing?+
The origination fee is 0%, so there is no upfront charge on the consumer loans. Funding is credited to your account shortly after the loan agreement is signed. Free early repayment also applies to the lending side, which is rarer than on deposits.
How do I get help?+
Support runs on phone, email and help centre, so you can call, email or use the help centre. There is no live chat or community channel listed. Anything written up in the FAQ centre is available in Russian, with the deposit terms also published in English.
Sources
- bank.forte.kz/credits checked September 26, 2026
Backs: Loan types
- bank.forte.kz/en/ipoteka_forte checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose
“Forte Ipoteka: (APRC from 1,25% to 20,0%)”
- bank.forte.kz/en/so-snyatiem checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Monthly interest and 24/7 access to your funds; Replenish at any time; Early closure At the contract rate; Partial withdrawal up to 1,000 KZT; Interest payment: daily”
- bank.forte.kz/ru/express checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Funding time, Lender type, Arrangement fee, Origination fee (%)
- en.wikipedia.org/wiki/ForteBank checked September 26, 2026
Backs: Founded
“The current bank was created on February 10, 2015, as a result of the merger of three banks - ForteBank, Alliance Bank and Temirbank.”
- faq.forte.kz/ru checked September 26, 2026
Backs: Free early repayment
- forte.kz/en/information checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Registered Address: 8/1 Dostyk Street, Yesil District, Astana, Z05P1P0 (010017), Republic of Kazakhstan”
- prod-one-strapi.s3.eu-north-1.amazonaws.com/License_44ae0... checked September 26, 2026
Backs: Licences
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
ForteBank
A fixed-rate deposit with a high headline rate and daily interest, run from Kazakhstan.