Updated October 13, 2026 · VaultCue Editorial Team
GoPay vs Halyk Bank
GoPay
Higher score in this comparison
Halyk Bank
GoPay vs Halyk Bank: the differences
| Compare | GoPayReviewSee alternativesSee alternatives | Halyk BankReviewSee alternativesSee alternatives |
|---|---|---|
| Transfer fee | Free 100 bank transfers/month; international transfer admin fee from Rp20.000 | 0.1% (minimum USD 3) |
| Monthly fee | Not confirmed | KZT 0 |
| Currencies | 9 | Not confirmed |
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Our verdict on each
GoPay
GoPay takes a different path from a standard high street everyday account by keeping the focus on routine money management in one place. It is an everyday account for customers who want straightforward daily handling and who prefer to check coverage before choosing.
Halyk Bank
Halyk Bank provides a fixed account that opens and manages balances through the Halyk app with online top up and partial and cash withdrawal functions. It suits people who want app centred control with automatic prolongation that passes matured balances onward.
Score breakdown
| Area | GoPay | Halyk Bank |
|---|---|---|
| Offer | 9.3Higher | 9.2 |
| Trust | 8.4 | 9.8Higher |
How they place
| Ranking | GoPay | Halyk Bank |
|---|---|---|
| Money transfer services | 975 of 1564 | 1007 of 1564 |
Every fact side by side
| Fact | GoPay | Halyk Bank |
|---|---|---|
| Audience | Teen | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Digital only |
| Legal entity | PT Dompet Anak Bangsa | Halyk Bank JSC |
| Headquarters | Indonesia | Kazakhstan |
| Founded | 2016 | 1923Lower |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Money transfer
| Fact | GoPay | Halyk Bank |
|---|---|---|
| Delivery time | Instant for domestic transfers; about 15 minutes for international transfers to Singapore | 15 minutes to 1 day |
| Payout methods | Bank, Cash pickup, Wallet | Bank, Wallet, Card |
| Fee to send 1,000 | IDR 0 | $3 |
Savings
| Fact | GoPay | Halyk Bank |
|---|---|---|
| Rate type | Not confirmed | Fixed |
| Term | Not confirmed | 6 to 12 months |
| Minimum deposit | Not confirmed | KZT 1,000 |
| Access terms | Not confirmed | 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 | Not confirmed | Fixed |
Where each stands against the rest
| Fact | GoPay | Halyk Bank | Median |
|---|---|---|---|
| Currencies | 9above the median | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
GoPay
Pros
- Everyday account setup shaped around routine payments and regular money handling
- Clear account structure that helps customers review functions with confidence
- Practical option for customers wanting organised daily account activity
Halyk Bank
Pros
- Opens and manages a fixed account inside the Halyk app.
- Supports online top up with partial withdrawal plus online and cash withdrawal options.
- Provides automatic prolongation that transfers balances to the depositor account afterwards.
Who each suits
GoPay
Who it suits
- Customers seeking simple daily account handling
- Customers reviewing routine account coverage with care
Halyk Bank
Who it suits
- Savers who prefer app centred account management
- People who want structured savings with withdrawal flexibility
Current offers
Halyk Bank
Current offer
Bonus
Halyk Bonus Digital payment bonuses: Bonuses (cashback) on payments in the Halyk app and at Halyk POS terminals
Pay by Halyk QR, Apple Pay, Samsung Pay or Google Pay at Halyk POS terminals, or pay in the Halyk app (excluding transactions where only bonus payment is available); bonus accrual has special terms; plastic card ordered from the app is delivered free of charge
Source, checked September 26, 2026
Country by country
| Country | GoPay | Halyk Bank |
|---|---|---|
| Indonesia | Yes | No |
| Kazakhstan | No | Yes |
Questions about each
GoPay
What does GoPay offer for everyday use?+
GoPay provides an everyday account for routine money handling and regular payments. Customers can use it to organise daily activity in one account setting. Customers should review the functions and coverage to confirm fit for daily needs.
Which customers does GoPay suit most?+
GoPay suits customers who want straightforward handling for daily payments and balances. It fits those who prefer a simple structure for regular routines. Customers should check that the coverage aligns with their usual needs.
Halyk Bank
What does Halyk Bank offer for everyday saving?+
Halyk Bank provides a fixed account that opens and handles activity through the app. Online top up adds funds while partial withdrawal keeps access flexible. Online and cash withdrawal routes handle outgoing funds within the account structure.
How does app access work for this account?+
Opening and ongoing management take place in the app for everyday control. Top up happens online while partial withdrawal remains available during the placement. Withdrawal can proceed online or as cash depending on need.
Other options to compare
Related by the facts
GoPay
Halyk Bank