Kazakhstan · Banking & Payments

Kaspi.kz

Kazakhstan's dominant super-app for banking, payments and shopping, used by the vast majority of the country daily.

What it helps with

Paying like locals do - by Kaspi QRMost shops, cafés and markets accept Kaspi QR; with a Kaspi account you pay by scanning the code.
Sending money by phone numberTransfers between Kaspi Gold cards are instant and free using the recipient's phone number.
Paying utilities and mobile top-upsUtility bills, mobile balance and other regular payments are paid in the same app.
Shopping on Kaspi MarketOrder goods from Kaspi's marketplace with payment built into the app.

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.

Before you use it

Sign-up: Without a residence permit, Kaspi Gold is opened only at a branch: bring your passport, IIN, a Kazakh phone number and a visa or other proof of legal stay.
Limits: Foreigners without a residence permit get a card valid for one year; residence-permit holders can register directly in the app.
Fees: Cash withdrawals are free up to 300,000 ₸ a month from non-salary receipts, then 0.95%.

Foreign card OK Local number needed Local ID needed

Frequently Asked Questions

Does Kaspi.kz work with a foreign bank card in Kazakhstan?: Yes - Kaspi.kz accepts foreign-issued cards in Kazakhstan.
Is Kaspi.kz available in English?: Not officially - the interface is mainly in the local language.
Do I need a local phone number to use Kaspi.kz?: Yes, Kaspi.kz requires a local phone number to register.
Do I need local ID or residency for Kaspi.kz?: Yes, Kaspi.kz requires local ID or residency status.
Where can I use Kaspi.kz?: iOS · Android · Web
How much does Kaspi.kz cost?: Kaspi Gold: free in year one, then 1,995 ₸/year; 0.95% (min 200 ₸) for transfers to other banks