| Privileges | Possibility of making a deposit in favor of a third party Possibility of making a deposit for a child under 14 years of age |
| Minimum amount, required to open a deposit | 3 MCIs* |
| Deposit's retention period | 36 months |
| Replenishment of the deposit | Neither the amount nor number of additions is limited |
| Interest | Monthly capitalization |
| State premium accrual | On an annual basis, for the balance actually as of January 1, subject to the minimum saving period equal to 1 year. The State premium is to be capitalized as a part the deposit principal amount. The maximum State premium accrual period is 220 years. |
| State premium amount | 5% per annum, but not more than 100 MCIs; for the priority group of depositors** - 7% per annum, but not more than 100 MCIs; |
| Partial withdrawal | Not allowed, unless the funds are withdrawn specially with the view of cashless transmittance to an educational institution's account |
| Prolongation | Is to be prolonged by the same period and on the same terms, subject to interests accrued at the rates valid as of the prolongation date |
| Documents to be submitted to open a deposit | The identification document with IIN; When opening a deposit in the name of an adult / minor Depositor by third parties, a power of attorney from the Depositor/legal representative (s) of the Depositor is required |
Early termination
| Deposit period | Termination conditions |
36 months | 1. Without saving the state premium:
2. With the preservation of the state premium:
|
Interest rates
A period of mon. | % (annual) | % (effective)*** |
KZT | KZT | |
36 | 8.0 | up to 8.3 |
The rates shall be in effect from 15.04.2019.
The rates are approved by the Management Board (Minutes No. 36-19 dd. 28.03.2019).
For persons having special relations with "First Heartland Jusan Bank" JSC, the rates are approved by the Board of Directors of "First Heartland Jusan Bank" JSC (Minutes No. 15/04/19-01 dd. 15.04.2019).
*1 MCI for 2021 – 2 917 tenge
** The priority group of depositors – orphans and children left without parental care; disabled people; children from large families; children from families with an average per capita income below the cost of a food basket.
*** The annual effective interest rate may vary depending on the actual parameters of the Term Bank Deposit Agreement to be concluded. If desired, the Depositor can receive information about the changed amount of the annual effective interest rate when contacting the Bank.
From April 27, 2015, the amount of guarantee compensation for deposits in national currency has been increased to 10 million tenge, for deposits in foreign currency is not more than 5 million tenge.
The rates are approved by the Management Board (Minutes No. 36-19 dd. 28.03.2019).
For persons having special relations with "First Heartland Jusan Bank" JSC, the rates are approved by the Board of Directors of "First Heartland Jusan Bank" JSC (Minutes No. 15/04/19-01 dd. 15.04.2019).
*1 MCI for 2021 – 2 917 tenge
** The priority group of depositors – orphans and children left without parental care; disabled people; children from large families; children from families with an average per capita income below the cost of a food basket.
*** The annual effective interest rate may vary depending on the actual parameters of the Term Bank Deposit Agreement to be concluded. If desired, the Depositor can receive information about the changed amount of the annual effective interest rate when contacting the Bank.
From April 27, 2015, the amount of guarantee compensation for deposits in national currency has been increased to 10 million tenge, for deposits in foreign currency is not more than 5 million tenge.