Deposits

1. The interest rate is fixed for the entire term of the deposit.

2. The Bank Deposit Agreement can be automatically prolonged, taking into account capitalization. Automatic prolongation is carried out for a similar term, at the interest rate established by the Bank's tariffs for this type of deposit on the day of prolongation, unlimited number of times.

3. SB "Kazakhstan-Ziraat International Bank" JSC is a member of the mandatory deposit guarantee system. The savings are insured by the Kazakhstan Deposit Guarantee Fund.

4.The interest rate is valid from September 1, 2024 in accordance with the approved decision of the Bank's Management Board No. 56/2024 dated 29.08.2024.


The maximum amount of the guarantee is:

• 20 million tenge for savings deposits (deposits) in national currency;

• 10 million tenge on cards, accounts and other deposits in national currency;

• 5 million tenge on cards, accounts and deposits in foreign currency (in equivalent at the exchange rate established on the date of revocation of the license of the participating bank).

If several deposits of different types and currencies are placed in one participating bank, the cumulative balance of the amount for all deposits is guaranteed, but not more than the maximum amount of guaranteed compensation - 20 million tenge, taking into account the limits for each type of deposit.

Term Deposit

Term deposit

Term

3 months

6 months

12 months

Minimum deposit amount

Minimum amount of additional deposit

KZT 

13.2%

15.8%

13.5%

50,000

50,000

AEIR KZT (from 13.5% to 17.0%)

13.8%

16.4%

13.5%

 

 

USD 

0.2%

0.5%

1.0%

100

100

AEIR USD (from 0.2% to 1.0%)

0.2%

0.5%

1.0%

 

 

EUR 

0.2%

0.3%

1.0%

100

100

AEIR EUR (from 0.2% to 1.0%)

0.2%

0.3%

1.0%

 

 

AEIR - Annual Effective Interest Rate -  +/- 0.1% possible deviations.
Special conditions:
Partial withdrawals are not possible. Replenishment is availeble.
Accrued interest is capitalized at the end of the term.
In case of early termination of the deposit agreement, the remuneration is paid in the amount of 50% of the amount of remuneration that was accrued before the withdrawal of money.

Rolled Deposit with Monthly Capitalization

 Rolled Deposit with Monthly Capitalization 

Term

1 month

3 months

6 months

12 months

Minimum deposit amount

Minimum amount of additional deposit

KZT 

9.0%

10.0%

11.0%

12.8%

5 000

500

AEIR KZT (from 9.4% to 13.6%)

9.4%

10.5%

11.6%

13.6%

 

 

USD 

0.1%

0.2%

0.5%

1.0%

10

5

AEIR USD  (from 0.1% to 1.0%)

0.1%

0.2%

0.5%

1.0%

 

 

EUR 

0.1%

0.1%

0.2%

1.0%

10

5

AEIR EUR  (from 0.1% to 1.0%)

0.1%

0.1%

0.2%

1.0%

 

 

 

AEIR - Annual Effective Interest Rate -  +/- 0.1% possible deviations.
Special conditions:
Accrued interest is capitalized at the end of each month.
In case of early termination of the contract, accrued interest will be calculated based on the actual term of funds placement.
Partial withdrawals are possible, if the deposit balance is not less than the minimum deposit amount.

Savings Deposit

Savings Deposit

Term

3 months

6 months

12 months

24 months

36 months

Minimum deposit amount

Minimum amount of additional deposit

KZT  

16.0%

17.7%

16.5%

12.3%

5.9%

400,000

Not available

AEIR KZT (from 6.3% to 18.4%)

17.0%

18.4%

16.5%

13.1%

6.3%

 

 

USD

0.3%

0.5%

1.0%

1.0%

1.0%

1,000

Not available

AEIR USD (from 0.3% to 1.0%)

0.3%

0.5%

1.0%

1.0%

1.0%

 

 

EUR 

0.1%

0.3%

0.8%

1.0%

1.0%

1,000

Not available

AEIR EUR (from 0.1% to 1.0%)

0.1%

0.3%

0.8%

1.0%

1.0%

 

 

AEIR - Annual Effective Interest Rate -  +/- 0.1% possible deviations.
Special conditions:
Partial withdrawals and additional contributions are not provided.
Accrued interest is capitalized at the end of the term.
In case of early termination of the deposit agreement, 0.1% of the amount of the accrued interest is paid, the deposit is paid out 30 days after the application is submitted.