Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Satispay
Kaspi.kz
Satispay
Higher score in this comparison
Where Kaspi.kz and Satispay differ
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | SatispayReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | €0 |
| Transfer fee | Free to other Kaspi clients | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 0.5% |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €200 |
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Key differences
- Founded is lower at Kaspi.kz: 2002 vs 2014.
- Satispay is available in 29 more countries.
- Support channels: only Kaspi.kz offers Chat.
- Support channels: only Satispay offers Email.
- Audience: only Kaspi.kz offers Teen.
- Audience: only Satispay offers Travelers.
- Pricing model: only Satispay offers Low FX.
Our verdict on each
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.
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
Score breakdown
| Area | Kaspi.kz | Satispay |
|---|---|---|
| Cost | Not confirmed | 9.2Monthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. |
| Offer | 9.2 | 9.3HigherSavings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. |
| Trust | 9.0Higher | 8.5 |
How they place
| Ranking | Kaspi.kz | Satispay |
|---|---|---|
| Savings accounts | 1032 of 1420 | 435 of 1420 |
| Business bank accounts | 382 of 563 | 185 of 563 |
| Money transfer services | 943 of 1564 | 322 of 1564 |
| Online banks | 283 of 402 | 133 of 402 |
Every fact side by side
| Fact | Kaspi.kz | Satispay |
|---|---|---|
| Audience | Teen, Business | Travelers, Business |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Free ATM, Digital only | Free ATM, Digital only |
| Legal entity | Kaspi Bank JSC | Satispay Europe SA |
| Headquarters | Kazakhstan | Luxembourg |
| Founded | 2002Lower | 2014 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Help centre |
Savings
| Fact | Kaspi.kz | Satispay |
|---|---|---|
| Headline rate | 15%Higher | 2.61% |
| Rate type | Variable | Variable |
| Minimum deposit | KZT 1,000 | €0 |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Kaspi.kz | Satispay |
|---|---|---|
| Exchange rate markup | Not confirmed | 0.5% to 1% |
| Delivery time | Instant for P2P transfers via the mobile app and QR | Real time, instant between Satispay users |
| Payout methods | Bank, Card, Wallet | Bank, Wallet, Card |
| Fee to send 1,000 | KZT 0 | €0 |
Where each stands against the rest
| Fact | Kaspi.kz | Satispay | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0.5%at the median | 0.5% |
| Free ATM withdrawals | Not confirmed | €200above the median | €1 |
Median across 377 listed accounts.
Pros and cons
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
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
Who each suits
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
Current offers
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | Kaspi.kz | Satispay |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
Questions about each
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.
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
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Related by the facts
Kaspi.kz
Satispay