Updated October 13, 2026 · VaultCue Editorial Team
Halyk Bank vs Kaspi.kz
Halyk Bank
Higher score in this comparison
Kaspi.kz
What sets them apart
| Compare | Halyk BankReviewSee alternativesSee alternatives | Kaspi.kzReviewSee alternativesSee alternatives |
|---|---|---|
| Transfer fee | 0.1% (minimum USD 3) | Free to other Kaspi clients |
Same on both: Monthly fee (KZT 0).
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Key differences
- Founded is lower at Halyk Bank: 1923 vs 2002.
- Support channels: only Halyk Bank offers Email.
- Support channels: only Kaspi.kz offers Chat.
- Features: only Kaspi.kz offers Free ATM.
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.
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
Score breakdown
| Area | Halyk Bank | Kaspi.kz |
|---|---|---|
| Offer | 9.2 | 9.2 |
| Trust | 9.8Higher | 9.0 |
How they place
| Ranking | Halyk Bank | Kaspi.kz |
|---|---|---|
| Savings accounts | 1083 of 1420 | 1032 of 1420 |
| Money transfer services | 1007 of 1564 | 943 of 1564 |
| Online banks | 295 of 402 | 283 of 402 |
Every fact side by side
| Fact | Halyk Bank | Kaspi.kz |
|---|---|---|
| Audience | Not confirmed | Teen, Business |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Legal entity | Halyk Bank JSC | Kaspi Bank JSC |
| Headquarters | Kazakhstan | Kazakhstan |
| Founded | 1923Lower | 2002 |
| Support channels | Email, Phone, Help centre | Phone, Chat, Help centre |
Savings
| Fact | Halyk Bank | Kaspi.kz |
|---|---|---|
| Headline rate | Not confirmed | 15% |
| Rate type | Fixed | Variable |
| Term | 6 to 12 months | Not confirmed |
| Minimum deposit | KZT 1,000 | 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 | Top up any amount at any time; partial withdrawal any time without loss of interest |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | Halyk Bank | Kaspi.kz |
|---|---|---|
| Delivery time | 15 minutes to 1 day | Instant for P2P transfers via the mobile app and QR |
| Payout methods | Bank, Wallet, Card | Bank, Card, Wallet |
| Fee to send 1,000 | $3 | KZT 0 |
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.
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
Who each suits
Halyk Bank
Who it suits
- Savers who prefer app centred account management
- People who want structured savings with withdrawal flexibility
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
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 | Kaspi.kz |
|---|---|---|
| Kazakhstan | Yes | Yes |
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.
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
Other options to compare
Halyk Bank
Kaspi.kz