Frequently Asked Questions
SANDYQ+
How to open a "SANDYQ+" deposit?
A "SANDYQ+" deposit may be opened using the Jýsan mobile application or at a Jýsan Bank branch, subject to the availability of a Jýsan Bank multicurrency card.
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I am not a resident of the Republic of Kazakhstan. How can I open a "SANDYQ+" deposit?

To open a SANDYQ+ deposit, you are required to visit the closest branch of Jýsan Bank. A nonresident of the Republic of Kazakhstan shall produce the following documents:

- a document certifying the nonresident individual's right to enter, leave and stay in the Republic of Kazakhstan, unless the laws of the Republic of Kazakhstan and/or international treaties ratified by the Republic of Kazakhstan stipulate otherwise

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I am not a resident of the Republic of Kazakhstan. Why is the monthly tax deducted from the interests payable to me on the "SANDYQ+" deposit?
From January 1, 2018, pursuant to amendments to the Tax Code of the Republic of Kazakhstan, the Bank shall tacitly withdraw the tax from depositors who have opened a "SANDYQ+" deposit using a foreigner's passport, in case of:
• a monthly payment of the interests
• an early deposit closure
• a prolongation of the deposit period

Nonresidents must pay the tax in the following amount:
• citizens of the countries with preferential taxation – 20%
• citizens of the other countries – 15%
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How many "SANDYQ+" deposits may be opened per client?

An indefinite number of "SANDYQ+" deposits may be opened per client.

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What currency a "SANDYQ+" deposit may be opened in? What are the interest rates?

A "SANDYQ+" deposit may be opened in Tenge, dollars, and Rubles. The interest rate in Tenge is up to 11,5%, in the dollars - up to 1.0%, and in Rubles - up to 1.0%.

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What is the minimum amount required to open a "SANDYQ+" deposit?

The minimum amount required to open the "SANDYQ+" deposit is 100,000 Tenge, 500 dollars, 20,000 Rubles.

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Is there any restriction as to topping up of the "SANDYQ+" deposit?
The "SANDYQ+" deposit is to be opened without the right to top it up.
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For what period may the "SANDYQ+" deposit be opened?

The "SANDYQ+" deposit may be opened for 12 months and 24 months.

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If my "SANDYQ+" deposit is under attachment, will interests still be accrued on the deposit?

Yes, the interests are to be accrued on the "SANDYQ+" deposit, regardless of an attachment.

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Is the "SANDYQ+" deposit guaranteed?

The "SANDYQ+" deposit is covered by the individual deposit guarantee scheme for the amount of 15 million Tenge, and in a foreign currency - 5 million Tenge.

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What should be done to prolong the "SANDYQ+" deposit?

The SANDYQ+ deposit cannot be prolonged. Upon expiration of the deposit period, the deposited amount (deposit) and accrued interests shall be transferred to the current account associated with a payment card.

If the specified current account associated with the payment card is in a currency other than the deposit one, the deposit amount shall be repaid at the exchange rate established by the Bank as of the date of the relevant transaction.

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Is a partial cash withdrawal allowed from the "SANDYQ+" deposit?
No partial cash withdrawal is allowed from the "SANDYQ+" deposit.
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Is it possible to close the "SANDYQ+" deposit from the Jýsan mobile application?

The SANDYQ+ deposit can be closed solely at a Jýsan Bank branch.

In case of an early termination of the Bank Deposit Agreement/ Integrated Individuals Service Agreement, the Depositor's accrued/ paid/ capitalized interests shall be recalculated for the actual Deposit period at the Bank's current Demand rate in effect as of the date of termination of the Bank Deposit Agreement/Integrated Individuals Service Agreement. The excessively accrued/ paid/ capitalized interests shall be deducted from the Deposit amount, and the balance will be repaid to the Depositor. The Deposit shall be repaid upon expiration of thirty (30) calendar days after the date of the Depositor's submission of his/her application for an early repayment/closure of the savings deposit.

Within thirty (30) calendar days after the submission of the application for an early repayment/closure of the savings deposit:

• the accrual of interests shall not be ceased

• unless the Depositor withdraws his/her application for an early repayment/closure of the savings deposit, the savings account shall be closed on the thirty first (31st) calendar day and the Deposit amount together with the interests recalculated at the Demand rate shall be credited to the current account associated with the payment card. If the specified current account associated with the payment card is in a currency other than the deposit one, the deposit shall be repaid at the exchange rate established by the Bank as of the date of the relevant transaction.

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