🏦 Banking & Payments

Kazakhstan's dominant super-app for banking, payments and shopping, used by the vast majority of the country daily. About Kaspi.kz: Kaspi.kz is Kazakhstan's leading digital banking and payments super-app, combining a bank account, payment system, and e-commerce marketplace into one platform used by the large majority of Kazakhstan's population. Key Features: Banking Services: Full digital banking including accounts, cards, savings and loans. Bill and Utility Payments: Pay utility bills, mobile top-ups and other recurring payments directly through the app. Peer-to-Peer Transfers: Send money instantly to other Kaspi users by phone number. Integrated Marketplace: Kaspi Market lets you shop online with payment built directly into the same app. How to Get Started: Download the Kaspi.kz app and register with a Kazakh phone number. Complete identity verification as required for banking features. Link or open a Kaspi account to enable payments and transfers. Explore the app's payment, banking and shopping sections as needed. Important Notice: Kaspi.kz requires a Kazakh phone number and generally Kazakh identification for full banking functionality — it's built around local residents rather than short-term foreign visitors.

Halyk Bank's app provides online banking from Kazakhstan's largest bank, covering everyday accounts, cards, and payments for residents. About Halyk Bank: As the country's biggest bank by assets and customer base, Halyk Bank's app is the primary banking tool for a large share of Kazakhstanis, offering account management, transfers, and bill payments alongside a physical branch and ATM network across the country. Key Features: Account Management: View balances, statements, and transaction history for all linked accounts. Transfers & Payments: Send money to other Halyk customers or other banks, and pay utility and mobile bills. Card Management: Freeze, unfreeze, and set spending limits on linked debit and credit cards. Branch & ATM Locator: Find the nearest branch or ATM directly in the app. How to Get Started: Open an account at a Halyk Bank branch, since online-only registration for foreigners is not available. Download the Halyk Bank app and log in with your account credentials. Register your phone number for SMS confirmation of transactions. Set up transfers, bill payments, and card controls from the main menu. Important Notice: Opening an account requires an in-person branch visit with a Kazakhstani ID and phone number — this app is built for residents, not for short-term tourists. The interface has no English option.

Jusan is a digital bank and super-app for payments and everyday financial services, positioned as a modern, mobile-first alternative to traditional Kazakh banking. About Jusan: Jusan combines standard banking (accounts, cards, transfers) with a broader super-app layer for bill payments and everyday services, aimed at customers who prefer managing money entirely from a phone rather than visiting a branch. Key Features: Digital Account Opening: Open and manage an account largely through the app once verified. Transfers & Payments: Send money to other Jusan or bank customers and pay bills directly. Card Management: Issue virtual cards instantly and manage physical card settings from the app. Everyday Services: Pay for mobile top-ups, utilities, and other recurring bills in one place. How to Get Started: Download the Jusan app from Google Play or the App Store. Register and verify your identity with a Kazakhstani ID and phone number. Open an account and order a card, virtual or physical. Set up transfers and recurring bill payments from the main menu. Important Notice: A Kazakhstani ID and local phone number are required for full account verification — this is built for residents rather than short-term visitors. The interface has no English option.

Freedom Bank's SuperApp combines digital banking with a broader financial services platform, covering accounts, cards, and investments in one app. About Freedom Bank / SuperApp: Part of the wider Freedom Holding group, the SuperApp extends beyond basic banking into brokerage and investment features, aimed at customers who want banking and investing in a single mobile platform. Key Features: Digital Banking: Manage accounts, cards, and transfers entirely from the app. Bill Payments: Pay utilities, mobile top-ups, and other recurring bills. Investment Access: Access brokerage and investment features from the same account. Card Controls: Freeze cards, set limits, and issue virtual cards on demand. How to Get Started: Download the Freedom Bank / SuperApp from Google Play or the App Store. Register and verify your identity with a Kazakhstani ID and phone number. Open an account and order a card, virtual or physical. Explore banking and investment features from the main dashboard. Important Notice: Full account verification requires a Kazakhstani ID and local phone number — this app is built for residents. The interface has no English option.