AQYL
  • Additional bonuses from the State of up to 5%
  • Possibility of replenishment
  • Partial withdrawal for payment of education expenses
AQYL
36 mon.
Storage period of the deposit
from 5%
Premium from the State
up to 8.3%
Annual effective rate
Deposit conditions
Enter your data and learn an amount of your savings
Deposit amount
Deposit amount
mos.
0
your savings amount
The interest calculations are indicative only. The interest amount depends on additional contributions, partial withdrawals or an early termination. The deposit calculator is for informational purposes only and does not give rise to the Bank’s obligation to pay any amount calculated.
Details of the product
PrivilegesPossibility 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 deposit3 MCIs* 
Deposit's retention period36 months
Replenishment of the depositNeither the amount nor number of additions is limited
InterestMonthly capitalization
State premium accrualOn 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 amount5% per annum, but not more than 100 MCIs;
for the priority group of depositors** - 7% per annum, but not more than 100 MCIs;
Partial withdrawalNot allowed, unless the funds are withdrawn specially with the view of cashless transmittance to an educational institution's account
ProlongationIs 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 depositThe 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 periodTermination conditions

36 months

1. Without saving the state premium:

  • at the initiative of the depositor/legal representative;
  • expiration of three calendar years from the date of deduction of the depositor from the educational organization;
  • detection of the fact of payment of the state premium when the term of savings is less than the term established by Law;
  • loss of citizenship of the Republic of Kazakhstan by the depositor;
  • detection of the fact of an excessively accrued state premium.

2. With the preservation of the state premium:

  • in the case of the balance of funds on the deposit after payment of educational services for the entire period of study;
  • if an educational grant is awarded;
  • in the event of death, recognition by the court as missing, incapacitated or declared dead or unable to continue training due to the state of health of the depositor.


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.
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