Frequently Asked Questions
Jýsan Pay - MasterCard World
How to open a Jýsan Pay card?

Both individual residents and nonresidents of the Republic of Kazakhstan can open a Jýsan Pay payment card: 

• Those aged at least 14 years as of the date of execution of the agreement (for the minors, subject to a parent or guardian's consent) at any Bank branch at their convenience by producing the originals of their personal identification documents. The consent to the opening of a Jýsan Pay payment card for the minor clients shall be executed at a Bank branch in the presence of a parent or guardian, subject to the availability of the supporting documents (the child's birth certificate, credentials, deeds of guardianship). 

• From the age of 16, if the child holds the original of his/her personal identification document (ID/ foreign passport), he/she can open a card at a branch of the Bank on his/her own.

 • From the age of 18, Kazakhstani resident individuals can order a Jýsan Pay payment card through the Jýsan mobile application, courier delivery to their home or office included, or at any Bank branch at their convenience by producing the original of their personal identification documents.

 • Nonresident individuals can open a Jýsan Pay payment card at any Bank branch at their convenience. Please carry a document containing your IIN, your foreign passport, registration certificate, a document issued by a Public Service Center to certify your temporary or permanent residence registration.

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What are the advantages of the Jýsan Pay card?

The advantages of the Jýsan Pay card: 

• An opportunity to open up to 21 foreign currency accounts per card and to manage them through the Jýsan mobile application 

• Free issue and free servicing of the card during the first two years 

• Free SMS notifications during the first year 

• No fees for cash withdrawals through the Jýsan Bank ATMs, no fees for up to 500,000 Tenge withdrawn per month using other ATMs in the country 

• Up to 2% guaranteed Bonuses to be accrued to you for each cashless purchase - you can use such Bonuses at the JMART marketplace and to make payments through the Jýsan mobile application

• Up to 10% Bonuses for the purchase of a Jýsan Garant insurance product through the Jýsan mobile application

 • The card also makes the following packages available to you, depending on your interests: 

1. The TRAVEL package is for travel enthusiasts and it will allow you to receive up to 10% Bonuses if you make a purchase via the "Travel" Section using the Jýsan mobile application and to withdraw up to 4,000,000 Tenge without any fee from ATMs located outside Kazakhstan! 

2. The CYBER package is for gamers - on STEAM, you will receive up to 15% Bonuses! 

You can subscribe to the package you want through the Jýsan mobile application.

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Can I use a Jýsan Pay card abroad?

The Jýsan Pay multicurrency card grants you the following privileges that may be enjoyed outside the Republic of Kazakhstan: 

• The TRAVEL package is for travel enthusiasts and it will allow you to receive up to 10% Bonuses if you make a purchase via the "Travel" Section of the Jýsan mobile application and to withdraw cash without any fee from ATMs located outside Kazakhstan! The subscription fee is 500 Tenge/month.

• You can open up to 21 foreign currency accounts per card, hence, you will be able to enact transactions in the currency you want anywhere in the world, without necessity to convert. This service is available through the Jýsan mobile application – go to the "My Bank" Section and then to "Currencies." 

• It is possible to lift the "Country Restrictions" using the Jýsan mobile application – go to the "My Bank" Section and then to "Limit Management."

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Are any Bonuses available on the Jýsan Pay card?

The following Bonuses are available on the Jýsan Pay card:

 • Up to 2% guaranteed Bonuses per cashless purchase

• Up to 10% Bonuses for the purchase of a Jýsan Garant insurance product through the Jýsan mobile application

 • The card also makes the following packages available to you, depending on your interests: 

1. The TRAVEL package is for travel enthusiasts and it will allow you to receive up to 10% Bonuses if you make a purchase via the "Travel" Section using the Jýsan mobile application and to withdraw up to 4,000,000 Tenge without any fee from ATMs located outside Kazakhstan! 

2. The CYBER package is for gamers - on STEAM, you will receive up to 15% Bonuses! 

You can subscribe to the package you want through the Jýsan mobile application.

The list of transactions, for which no Bonuses will be accrued.

You can use the Bonuses at the JMART marketplace and to make payments through the Jýsan mobile application. You can view the Bonuses accrued to you at the Single Bonus Account of the "My Bank" Section in the Jýsan mobile application. The maximum Bonus amount payable is 35,000 Tenge per month (per payment card holder, regardless of the number of payment cards held by the client). The maximum Bonus amount accruable per transaction shall be up to 10,000 Bonuses.

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How to top up a Jýsan Pay card?

The Jýsan Pay card can be topped up in several ways:

• At a Jýsan Bank branch 

• Through a cash-in ATM of Jýsan Bank 

• Through the Kassa 24 and QIWI terminals - no fees

• By means of a money transfer to the card or account.

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What is the fee for cash withdrawal /encashment through ATMs using a Jýsan Pay card?

Cash withdrawal from the Jýsan Pay card:

• From Jýsan Bank's ATMs - no fees

• Up to 500,000 Tenge, inclusively, from other banks' ATMs based in Kazakhstan - no fees; if the amount exceeds 500,000 Tenge - 0.6% of the amount 

• Without subscription to the TRAVEL Package, from the banks' ATMs located outside Kazakhstan - 0.5% + 1,000 Tenge

• If subscribed to the TRAVEL Package, up to 4,000,000 Tenge, inclusively, withdrawn per month from the banks' ATMs located outside Kazakhstan - 0 Tenge;

if the amount withdrawn during a month exceeds 4,000,000 Tenge - 1% + 1,000 Tenge

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What is the fee for money transfers using a Jýsan Pay card?

Transfer transactions from the Jýsan Pay payment card:

1. to another payment card/account opened with the Bank – no fees

2. to a payment card of another bank in Kazakhstan - 200 Tenge (the maximum transaction amount is 400,000 Tenge)

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An ATM does not issue any banknotes, but the relevant amount has been written off from the Jýsan pay card. What should I do?
In case of a questionable/ disputable situation related to a card used in an ATM, you are required to contact a Jýsan Bank branch, which has issued the card, in order to submit an application stating the address and name of the bank the ATM belongs to. Your application shall be considered within up to 30 (thirty) calendar days after the date of submission thereof to
the Bank, or within up to 45 (forty five) calendar days after receipt of such application, if the payment
card has been used outside Kazakhstan. The period of consideration and preparation of a response to the client's application shall be in compliance with the deadlines set forth by
the laws of the RoK and the regulations of the payment systems (Visa/ Mastercard).
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I have lost my Jýsan Pay card. How can I withdraw my money?

If you lost your Jýsan Pay payment card, the first thing you should do is freeze the card:

• Through the Jýsan mobile application 

• By contacting the Bank's Call Center at 7711 (toll free from mobile phones) or +7 7172 587 711 (if you are outside Kazakhstan), 

 and then visit the closest branch of the Bank to withdraw the money and to have your card reissued.

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How can I freeze or unfreeze my Jýsan Pay card?

The Jýsan Pay payment card may be frozen permanently (if it is lost or stolen) or temporarily at any time:

• Using the Jýsan mobile application

• By contacting the Bank's Call Center at 7711 (toll free from mobile phones) or +7 7172 587 711 (if you are outside Kazakhstan)

You can unfreeze your temporarily frozen card by yourself using the Jýsan mobile application or at a branch of the Bank. 

If a card is completely frozen (because it has been lost, stolen or due to a fraud), such card may not be unfrozen. It is to be reissued at a branch of the Bank.

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Where can I find details of my Jýsan Pay card?

Details of a Jýsan Pay payment card can be viewed using the Jýsan mobile application in the "My Bank" Section – go to "Card Details". Alternatively, you can contact the Bank's Call Center at 7711 (toll free from mobile phones) or visit a Bank branch.

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What is СVV/CVC of the Jýsan Pay card? Where can it be found? What is it required for?

The CVV/CVC code of a Jýsan Pay card is a three-digit code to validate the payment card; it is located on the rear side of the card, next to the signature box. The CVV/CVC code is used in the course of online purchases and shall be deemed confidential; hence, the Bank strongly recommends not to disclose your CVV/CVC code to any third parties, even if they pretend to be employees of the Bank.

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How can I obtain a Jýsan Pay card statement?

You can obtain the statement in two ways:

• You can download the statement through the Jýsan mobile application by selecting the "Download as PDF" option

• At the closest branch of Jýsan Bank

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An ATM has held/retained my Jýsan Pay card. What should I do?
If an ATM has swallowed your card, then, first of all, the card must be frozen using the mobile application or by contacting the Jýsan Bank Call Center at 7711 (toll free from mobile phones). Then it is necessary to contact the closest Jýsan Bank branch to file a request for removal of the card or reissue of a new card.
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How to close a Jýsan Pay card?

A Jýsan Pay payment card may be closed at any branch of Jýsan Bank. Please carry the origin of your personal identification document. The addresses and working hours of the Jýsan Bank branches are available from the Jýsan mobile application and on the official website 

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