Halyk Bank review
Updated October 12, 2026 · SumCue Editorial Team
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
Halyk Bank covers personal, secured, car, debt consolidation, credit line and business borrowing alongside fixed accounts. Halyk Bank operates as a direct lender with app based account management supporting purchase and remortgage goals for households reviewing borrowing and fixed savings together.
Key facts
Loans
- Loan amount
- up to KZT 8,000,000↗
- Term
- 6 to 12 months↗
- Arrangement fee
- From 4% of the loan amount (arrangement fee for refinancing), also offered without fee↗
- Funding time
- 5 minutes for an online loan application in the Halyk app↗
- Representative example
- No collateral up to 8 000 000 tenge: interest rate 17.5% to 38%, AEIR 28.8% to 45.3%↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Loans to self-employed, military personnel and pensioners↗
- Origination fee (%)
- 0% to 4%↗
- Loan types
- Personal, Secured, Debt-consolidation, Car, Credit-line, Business↗
Savings
- Minimum deposit
- KZT 1,000↗
- Access terms
- Opened and managed in the Halyk app; online top-up 24/7; partial withdrawal allowed; online withdrawal with no commission; cash withdrawal 24/7; monthly interest with or without capitalisation; automatic prolongation 3 times, then moved to the depositor's account↗
- Account kind
- Fixed↗
Mortgages
- Purpose
- Purchase, Remortgage↗
Facts checked September 26, 2026, 8 sources
Pros
Pros
- Offers personal, secured, car, credit line and business borrowing choices
- Provides fixed accounts that open and remain managed inside the Halyk app
- Includes debt consolidation and purchase and remortgage purposes across lending
Who it suits
- Borrowers seeking varied loan purposes together
- Savers preferring app based fixed account oversight
How Halyk Bank compares
Where Halyk Bank is available
- Available
- Kazakhstan
- Licence in Kazakhstan
- AFMRD (1.1.601.130), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for lending with Halyk Bank?+
Halyk Bank indicates lending for self employed people, military personnel and pensioners. Applicants can prepare information that reflects employment or pension status. Email, phone and help centre support can outline eligibility checks and application steps.
Which products does Halyk Bank cover?+
Halyk Bank covers personal, secured, car, debt consolidation, credit line and business borrowing alongside fixed accounts. Listed purposes include purchase and remortgage. Borrowers can review product types side by side before choosing an application route.
How does app or online access work with Halyk Bank?+
Fixed accounts open and stay managed inside the Halyk app. Holders can top up online day and night and request partial withdrawal when plans change. Cash withdrawal remains open day and night alongside online withdrawal access.
Which company operates Halyk Bank?+
Halyk Bank is operated by JSC Halyk Bank. (Source, checked September 26, 2026)
Where is Halyk Bank based?+
Halyk Bank is based in Kazakhstan. (Source, checked September 26, 2026)
When was Halyk Bank founded?+
Halyk Bank was founded in 1923. (Source, checked September 26, 2026)
How can I contact Halyk Bank support?+
Halyk Bank offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Halyk_Bank checked September 26, 2026
Backs: Headquarters
“headquartered in the city of Almaty”
- halykbank.kz checked September 26, 2026
Backs: Funding time
“online loan in 5 minutes, up to 8 000 000 tenge, term up to 5 years”
- halykbank.kz/about/contacts/kontakty-i-rekvizity checked September 26, 2026
Backs: Support channels
- halykbank.kz/deposit/srochnye-vklady checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type, Term
“Universal deposit: Term in months: KZT - 6, 12 (the rate is set for the chosen term)”
- halykbank.kz/en/about-bank/o-banke checked September 26, 2026
Backs: Founded, Legal entity
“August 1923, the first savings bank opens in Aktyubinsk, and this date is the starting point of the history of Halyk Bank”
- halykbank.kz/en/credit/bez-zaloga checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Free early repayment, Lender type, Arrangement fee, Origination fee (%), Representative example
“No collateral up to 8 000 000 tenge”
- halykbank.kz/en/credits/loans checked September 26, 2026
Backs: Loan types
“No collateral up to 8 000 000 tenge; Consumer loan; Refinancing; Auto loan; Credit cards”
- halykbank.kz/en/tariffs checked September 26, 2026
Backs: Licences
- halykbank.kz/retail/ipoteka checked September 26, 2026
Backs: Purpose
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.