Updated October 13, 2026 · VaultCue Editorial Team
Halyk Bank vs IDFC FIRST Bank
Halyk Bank
Higher score in this comparison
IDFC FIRST Bank
Where Halyk Bank and IDFC FIRST Bank differ
| Compare | Halyk BankReviewSee alternativesSee alternatives | IDFC FIRST BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | Not confirmed |
| Transfer fee | 0.1% (minimum USD 3) | Not confirmed |
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Our verdict on each
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.
IDFC FIRST Bank
IDFC FIRST Bank pays 7% on an easy access savings account, so it suits people who want reserve money to earn a competitive return while staying reachable. The rate is variable, which means the bank sets it, and that trade-off is the one to weigh.
Score breakdown
| Area | Halyk Bank | IDFC FIRST Bank |
|---|---|---|
| Offer | 9.2 | Not confirmed |
| Trust | 9.8 | Not confirmed |
How they place
| Ranking | Halyk Bank | IDFC FIRST Bank |
|---|---|---|
| Savings accounts | 1083 of 1420 | 1118 of 1420 |
Every fact side by side
| Fact | Halyk Bank | IDFC FIRST Bank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Digital only | Not confirmed |
| Legal entity | Halyk Bank JSC | Not confirmed |
| Headquarters | Kazakhstan | Not confirmed |
| Founded | 1923 | Not confirmed |
| Support channels | Email, Phone, Help centre | Not confirmed |
Savings
| Fact | Halyk Bank | IDFC FIRST Bank |
|---|---|---|
| Headline rate | Not confirmed | 7% |
| Rate type | Fixed | Variable |
| Term | 6 to 12 months | Not confirmed |
| Minimum deposit | KZT 1,000 | Not confirmed |
| 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 | Not confirmed |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | Halyk Bank | IDFC FIRST Bank |
|---|---|---|
| Delivery time | 15 minutes to 1 day | Not confirmed |
| Payout methods | Bank, Wallet, Card | Not confirmed |
| Fee to send 1,000 | $3 | Not confirmed |
Pros and cons
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.
IDFC FIRST Bank
Pros
- Interest of 7%, against a site median of 3% and an upper quartile of 4.15%.
- Easy access, easy access, which keeps savings reachable at short notice.
- It out-earns PayPal Colombia, 3.3%, for anyone weighing a savings balance against a wallet.
Cons
- The rate is variable, so the bank can revise the advertised 7% during the life of the balance.
- On headline rate the account ranks 56 of 473 brands tracked, while Plazo ES quotes 24.19% on its own offer.
- Credit products in the set quote higher headline figures, with Plazo ES at 24.19% and AXI Card Tarjeta y Credito at 21.59%, so those numbers describe card offers.
Who each suits
Halyk Bank
Who it suits
- Savers who prefer app centred account management
- People who want structured savings with withdrawal flexibility
IDFC FIRST Bank
Who it suits
- People keeping an emergency or short notice reserve who still want a competitive return.
- Savers comfortable with a rate the bank sets, since the rate is variable.
- Readers checking what a plain savings account pays, at 7% against a site median of 3%.
Who should look elsewhere
- Anyone chasing the highest headline figure in the set: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both credit products.
- Savers who want a return fixed for a term, since the rate is variable and the account is easy access.
- People whose main comparison is a wallet balance: PayPal Colombia quotes 3.3%, so the gap to 7% is worth weighing first.
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 | Halyk Bank | IDFC FIRST Bank |
|---|---|---|
| India | No | Yes |
| Kazakhstan | Yes | No |
Questions about each
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.
IDFC FIRST Bank
What rate does IDFC FIRST Bank pay on its savings account?+
The advertised rate is 7%. The median across the site is 3%, so this rate sits above the middle of the market, and above the upper quartile too, at 4.15%. The bank sets the figure, and it applies while the account is open.
Is the interest rate fixed or variable?+
It is variable. The bank can revise the advertised 7% as conditions change, so savers who want a return fixed today should weigh a term product instead. Easy access, easy access, adds flexibility on access rather than on price.
Other options to compare
Related by the facts
Halyk Bank
IDFC FIRST Bank