SANDYQ+
  • Maximum interest rate
  • Guarantee up to ₸ 15,000,000
  • Currencies: KZT, USD or RUB
SANDYQ+
3 currencies
KZT, USD or RUB
15 mil. ₸
maximum guarantee amount
up to 11%
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
Interest rate According to interest rates, approved by the Bank's authorized body 
Commissions According to the Bank's tariffs  
Min.amount for opening of the deposit100,000 tenge/ 500 USD/ 20,000 RUR
Max.amount of the deposit not more than 25% of the amount of the Bank's authorized capital 
Storage period of the deposit in tenge - 12, 24 months;
in USD, RUR - 12 months 
Replenishmentnot provided for
Interest rate Monthly capitalization with approval of income tax, if such approval is stipulated for the tax legislation of the RK   
Partial withdrawal Not provided for
Prolongation Not provided for
Payment of the deposit at the end of the periodAt the expiry of the period of storage of the deposit, the deposit amount and accrued interest are credited to the current account  using the payment card / a savings account "On demand".
In case if the indicated account using the payment card / savings account "On demand"  is different from the deposit, payback of the deposit is made at the conversion rate, stated in the Bank at the moment of making the operation. 
Early termination In case of early termination of the Bank Deposit Agreement / Application on opening of the savings account and placement of the bank deposit to the Complex Agreement of bank servicing of the individual, accrued /paid/capitalized interest for the Depositor has to be recalculated for actual time of placement of the deposit at rate "On demand",  effective in the Bank at the moment of termination of the Bank Deposit Agreement / Application on opening of the savings account and placement of the bank deposit to the Complex Agreement of bank servicing of the individual. Amount of unduly accrued/paid/capitalized interest is approved out of the sum of deposit, balances of the deposit, is returned to the Depositor. Payback of the deposit is made at expiry of 30 (thirteen) calendar days from the date of submitting by the Depositor of the application on early return (closure) of the savings deposit. 
During 30 (thirteen) calendar days from the moment of submitting the application on early return (closure) of the savings deposit:
accrual of interest is continued.
if the Depositor do not revoke the application on early return (closure) of the savings deposit, on 31 (thirty first) calendar day the savings account is closed, the deposit amount with interest transferred at "On demand" rate is accrued on the current account using the payment card / savings account "On demand". 
In case if the indicated current account using the payment card / savings account "On demand" is different from the deposit, deposit payback is made with application of the conversion rate, stated in the Bank at the moment of making the operation. 
Additional terms

1) availability of current account using the payment card;

2) for the persons under 16 (sixteen) years, availability of the savings account "On demand"; 

3) opening/maintenance/closure of the deposit   is possible in the Bank's branches or using the remote servicing channels of the Bank.


Interest rates

A period of mon.

% (annual)

% (effective)*

% (annual)

% (effective)*

% (annual)

% (effective)*

KZT

USD

RUB

12

10.5%

up to 11%

0.8%

up to 0.8%

1,0%

up to 1.0%

24

9.5%

up to 9.9%

-

-

-

-

The rates shall be in effect from 01.03.2020. The rates are approved by the Assets and Liabilities Management Committee (Minutes #06-21 dated 10.02.2021).
* The annual effective interest rate may vary depending on the actual parameters of the term bank deposit Agreement to be concluded.
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