Updated October 13, 2026 · VaultCue Editorial Team
Halyk Bank vs Moniepoint
Halyk Bank
Higher score in this comparison
Moniepoint
What sets them apart
| Compare | Halyk BankReviewSee alternativesSee alternatives | MoniepointReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | NGN 0 |
| Transfer fee | 0.1% (minimum USD 3) | Free for Moniepoint-to-Moniepoint transfers to the same BVN; NGN 50 stamp duty on electronic transfers of NGN 10,000 and above |
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Key differences
- Founded is lower at Halyk Bank: 1923 vs 2019.
- Moniepoint is available in 1 more country.
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.
Moniepoint
Moniepoint leans toward businesses first, so personal everyday banking sits beside merchant tools rather than apart. Moniepoint Inc runs a combined payments, banking and operations platform that serves business owners and their customers across African markets seeking unified daily money management.
Score breakdown
| Area | Halyk Bank | Moniepoint |
|---|---|---|
| Offer | 9.2 | 9.2 |
| Trust | 9.8Higher | 8.2 |
How they place
| Ranking | Halyk Bank | Moniepoint |
|---|---|---|
| Money transfer services | 1007 of 1564 | 1163 of 1564 |
Every fact side by side
| Fact | Halyk Bank | Moniepoint |
|---|---|---|
| Audience | Not confirmed | Business |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Not confirmed |
| Legal entity | Halyk Bank JSC | Moniepoint Microfinance Bank Limited |
| Headquarters | Kazakhstan | Nigeria |
| Founded | 1923Lower | 2019 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Savings
| Fact | Halyk Bank | Moniepoint |
|---|---|---|
| Rate type | Fixed | Not confirmed |
| 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 | Not confirmed |
Money transfer
| Fact | Halyk Bank | Moniepoint |
|---|---|---|
| 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.
Moniepoint
Pros
- Combines payments acceptance, banking and operational tools in one platform.
- Serves more than 20,000,000 business and individual accounts.
- Provides expense cards plus accounting and book keeping support for firms.
Cons
- Business centred design leaves less room for standalone personal banking.
- African market focus limits relevance for people banking elsewhere.
Who each suits
Halyk Bank
Who it suits
- Savers who prefer app centred account management
- People who want structured savings with withdrawal flexibility
Moniepoint
Who it suits
- Business owners managing payments, banking and operations together
- Individuals handling everyday transactions through business linked accounts
Who should look elsewhere
- People seeking personal only banking outside African markets
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
Moniepoint
Current offer
Bonus
Get instant cash back on transfers
Source, checked September 26, 2026
Country by country
| Country | Halyk Bank | Moniepoint |
|---|---|---|
| Kazakhstan | Yes | No |
| Kenya | No | Yes |
| Nigeria | No | 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.
Moniepoint
What does Moniepoint offer businesses and their customers?+
Moniepoint covers payment acceptance for merchants together with business and personal banking. It also provides operational tools such as expense cards and accounting and book keeping support. Business loans help owners finance inventory and expand.
Who uses Moniepoint?+
Moniepoint serves small businesses through to large companies and also serves their customers. It reports trust from more than 20,000,000 business and individual accounts. Thousands of people around the world rely on it to grow business activity.
Other options to compare
Related by the facts
Halyk Bank
Moniepoint