Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Step
Kaspi.kz
Step
Higher score in this comparison
Where Kaspi.kz and Step differ
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | StepReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | $0 |
| Transfer fee | Free to other Kaspi clients | Small fee for Instant Transfer to a linked debit card |
| Deposit protection | Not confirmed | FDIC up to USD 250,000 |
| Local account details | Not confirmed | Us ACH |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Founded is lower at Kaspi.kz: 2002 vs 2020.
- Support channels: only Step offers Email.
- Audience: only Kaspi.kz offers Business.
- Features: only Kaspi.kz offers Digital only.
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.
Step
Step suits teens and students in the US who want a free everyday account and easy access savings, with an overall score of 6.3. Costs sit at $0 a month and savings run at 3% variable, but that rate waits on a status earned by card spending or qualifying direct deposits.
Score breakdown
| Area | Kaspi.kz | Step |
|---|---|---|
| Cost | Not confirmed | 9.3Monthly fee of $0 on a no monthly fee model, with free atm for ATM withdrawals. |
| Offer | 9.2 | 9.4Higher |
| Trust | 9.0Higher | 8.1 |
How they place
| Ranking | Kaspi.kz | Step |
|---|---|---|
| Savings accounts | 1032 of 1420 | 490 of 1420 |
| Student, teen and kids accounts | 211 of 273 | 152 of 273 |
Every fact side by side
| Fact | Kaspi.kz | Step |
|---|---|---|
| Audience | Teen, BusinessCovers more | Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital onlyCovers more | Free ATM |
| Legal entity | Kaspi Bank JSC | Step Financial LLC |
| Headquarters | Kazakhstan | United States |
| Founded | 2002Lower | 2020 |
| Support channels | Phone, Chat, Help centre | Chat, Email, Phone, Help centreCovers more |
Savings
| Fact | Kaspi.kz | Step |
|---|---|---|
| Headline rate | 15%Higher | 3% |
| 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 | No savings minimums; 3.00% on savings requires Step Black status, earned by spending $500 with the Step Card or $300 in qualifying direct deposits each calendar month |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Kaspi.kz | Step |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | Not confirmed |
| Payout methods | Bank, Card, Wallet | Not confirmed |
| Fee to send 1,000 | KZT 0 | Not confirmed |
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
Step
Pros
- Monthly fee of $0 on a no monthly fee account
- Savings rate of 3% variable with a minimum deposit of $0
- free atm means no ATM charge when you need cash
Cons
- The full savings rate is tied to a status earned by card spending or qualifying direct deposits, so an inactive month earns less
- Small fee for Instant Transfer to a linked debit card for an Instant Transfer to a linked debit card
Who each suits
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
Step
Who it suits
- Teens in the US building their first account
- Students who keep a direct deposit in place to keep the better savings rate
Who should look elsewhere
- bunq and bunq Spain Bank Account, where a euro account serves a euro market rather than a US teen account
- Pixpay FR, which charges a monthly fee of €3.99
Current offers
Step
Current offer
Bonus
Cashback on Step Card purchases with Step Black: Up to 10% cashback on purchases with select Step Black Partners, and unlimited 1% cashback on everything else
Requires Step Black enrollment; Step Black is an earned status available at no cost and full status is earned by meeting qualifying activity thresholds each month
Source, checked September 26, 2026
Bonus
Step savings reward: 3.00% on your savings balance (cash rewards, not interest)
Step Black is an earned status available at no cost; full status is earned by meeting qualifying activity thresholds each month; percentage is variable and may change
Source, checked September 26, 2026
Country by country
| Country | Kaspi.kz | Step |
|---|---|---|
| Kazakhstan | Yes | No |
| United States | No | Yes |
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.
Step
How much does a Step account cost each month?+
The monthly fee is $0 and the account follows a no monthly fee model, so there is nothing to pay simply for holding it. Cash handling is covered by free atm, so withdrawing at an ATM costs nothing either. The one charge to watch is Small fee for Instant Transfer to a linked debit card to a linked debit card.
What interest do I get on savings?+
The headline savings rate is 3% and it is variable, so it can move rather than being locked. The minimum deposit is $0, which means you can start small. Savings are easy access, so you can take money out without giving up a fixed term.
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Kaspi.kz
Step