Deposit Guarantee
Contingent deposit where the rights of the depositor are pledged to the Bank as a security for fulfillment of obligations of business Clients to the Bank under the financing agreement*
Deposit Guarantee
4 currencies
KZT, USD, EUR or RUB
up to 10 mil. ₸
maximum guarantee amount
Details of the product
Currency Tenge, USD, Euro, Russian Ruble
Rate of remunerationWhen opening a deposit "Deposit - Guarantee", the interest rate may be set at 0% or at the rate according to the interest rates for term deposits in the active deposit line for individuals. In this case, if the term under the financing agreement exceeds the standard term for a term deposit in the active deposit line, the interest rate for the maximum term deposit shall be applied.  
The individual interest rate shall be set upon decision of the Authorized Body of the Bank
Deposit term The term of the deposit "Deposit Guarantee" depends on the terms and conditions of the financing contract or is established by the decision of the authorized body of the Bank (the date of maturity of the deposit "Deposit Guarantee" should be the maturity date of the financing contract + 1 month
ExtensionNot provided (in this case, the deposit period may be increased on the basis of a decision of the authorized body of the Bank)
Remuneration payment1) at the moment of completion of the deposit/premature termination, after fulfillment of obligations to the bank under the financing agreement to the current account of the Client with withholding of income tax, if such withholding is provided by the tax legislation of the Republic of Kazakhstan;
2) upon decision of the Authorized Body of the Bank - monthly payment to the current account of the Client with withholding of income tax, if such withholding is prescribed by the tax legislation of the Republic of Kazakhstan
Acceptance of additional feesProvided in case:
1) reduction of the initial deposit amount;
2) other additional contributions only by decision of the Authorized Body of the Bank
Partial withdrawalProvision is made only upon decision of the Authorized Body of the Bank**
Early terminationProvided:
1) Subject to full early performance of obligations by Client to the Bank under the Financing Agreement, while retaining the accrued and paid interest on deposit;
2) upon consent of the Bank in case of replacement/withdrawal of collateral under the Financing Agreement with preservation of accrued and paid interest on the deposit
Return of depositUpon Client's choice, in case of full performance of obligations to the Bank under the financing contract:
1) to the current account of the Client;
2) to the savings account of the Client (provided that the term of the deposit is equal to or exceeds the term of the deposit "Deposit Guarantee")
ConversionNot available
Transfer of money to conditional bank deposit "Deposit Guarantee" In case the money is in the current account of the Client, which is to be placed in a savings account, where the rights of the depositor are transferred to the Bank as collateral, then the transfer of money to the deposit "Deposit Guarantee" is made from the current account of the Client, where the money is placed, but if the money is placed in a term deposit, then the transfer of money to the deposit "Deposit Guarantee" is made from the term deposit to the minimum balance provided for the term deposit
Penalties (fine, forfeit) for late replenishment of "Deposit Guarantee" amounts to its original amountUpon the decision of the AB of the Bank
*Financing agreement means the General Credit Agreement, bank loan/conditional commitment agreement and other transactions concluded between the Bank and the Debtor
** in cases stipulated in the Financing Agreement, partial/full write-off by the Bank as repayment of the loan debt may be made without the decision of the AB of the Bank
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