required to open a deposit
|3 MCIs* - 8,334 Tenge|
|Deposit period||36 months|
|Addition to the deposit||Neither the amount nor number of additions is limited|
|State premium accrual||On an annual basis, for the balance actually accrued as of January 01, 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 20 years.|
|State premium amount|
5% p.a., but not more than 100 MCIs,
for the priority group of depositors** – 7% p.a., 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|Partial withdrawal||Not allowed, unless the funds are withdrawn specially with the view of cashless transmittance to an educational institution's account.|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|
|Deposit period||Termination conditions|
|Period, months||% (p.a.)||% (effective)***|
|36||8.0||up to 8.3|
Documents to be submitted to open a deposit:
- A personal identification document and IIN;
If a deposit is opened by the third parties in the name of a Depositor of a majority /minor age, a power of attorney issued by the Depositor/ legal representative(s) of the Depositor is required.
The rates are approved by the Management Board (Minutes #36-19 dated 28.03.2019).
For persons having special relations with First Heartland Jysan Bank JSC, the rates are approved by the Board of Directors of First Heartland Jysan Bank JSC (Minutes #15/04/19-01 dated 15.04.2019).
*1 MCI for 2020 is 2,778 Tenge
** The priority group of depositors includes orphaned children and legally free children; disabled persons; children from multi-member families; children from families with average income per capita below the food basket.
*** The annual effective interest rate may vary depending on the actual parameters under the Fixed-Term Bank Deposit Agreement signed. At his/her discretion, the Depositor may request from the Bank the information of the revised annual effective interest rate.
From April 27, 2015, the guaranteed compensation for deposits in the national currency was increased to 10 million Tenge; as to deposits in foreign currencies, it is up to 5 million Tenge.