To register, you need to:
- Enter your phone number and IIN;
- Confirm the number via SMS code;
- Pass quick biometric verification (this will take a couple of minutes);
- Create a password code to log in.
- Enter the 4-digit code you created during registration.
- If you set up Face ID or fingerprint login, simply scan your face or place your finger on it.
1. Open the app and log in to your account.
2. Go to the "Profile" section, select "Change login code" and follow the onscreen instructions.
Simply click on "Forgot password" on the login screen and follow the instructions — the app will help you restore access.
Log in to the app, open the "Profile" section, select "Biometric login" and follow the instructions.
Biometric identification is the process of verifying your identity using your unique physiological or biological characteristics in order to unambiguously confirm your right to securely access electronic banking services.
Try the following:
1. Forgot your code? Click on "Forgot password" on the login screen and follow the instructions.
2. Check your details. Make sure your phone number and IIN are entered correctly.
3. Not receiving the SMS code?
– Make sure you have a stable internet connection.
– Check your phone number.
– Wait a couple of minutes and try again.
4. Still having trouble? Call us at 4077 — we’ll help you sort it out.
1. Download the Zaman Bank app from the App Store or Google Play.
2. Open the app and enter the phone number and IIN you used during registration.
3. Confirm your number via SMS code.
4. Pass biometric verification.
5. Set a new login passcode.
1. If you haven’t registered yet, you can select the language on the first screen — where you enter your phone number and IIN.
2. After registration, you can change the language in the Profile section (icon in the top left corner).
3. Select “App Language” and follow the instructions.
Currently, it’s not possible to update personal details directly in the app.
If your name, phone number, or other personal data has changed, please call the support service at 4077 — our specialists will assist you.
If your phone is lost or stolen, call the Bank’s support service immediately at 4077.
We will help you quickly block access to your account and freeze your cards if necessary.
- Do not share your card details, PIN codes, or SMS codes with anyone.
- Do not share your login or access code for the mobile app.
- Do not install third-party apps at someone else’s request.
- Do not transfer money to so-called “safe accounts.”
- Do not trust calls and messages from alleged bank employees, government agencies, or security services.
- Do not click on suspicious links, even if they come from someone you know.
- Do not continue conversations if you are asked to switch to unofficial channels like messengers.
- Do not share OTP confirmation codes, unless you have contacted the Contact Center yourself.
Zaman-Bank will never ask you for passwords, PINs, or access codes.
If anything seems suspicious, end the conversation immediately and call the support service at 4077.
All transactions will automatically be sent via SMS to the phone number you provided during registration in the mobile app. Just make sure that the number is up to date.
There is no fee for SMS notifications. You receive them free of charge.
SMS notifications are enabled automatically after registration in the Bank’s mobile app. The service is provided free of charge.
Currently, it is not possible to disable SMS banking through the mobile app. We are working to expand the app’s functionality and will add this option in the future.
If you need to disable the service now, please contact our support service at 4077.
You can open a current account in two ways:
1. By registering in the Zaman-Bank mobile app (available only for citizens of the Republic of Kazakhstan).
2. By visiting any Bank branch — just make sure to bring your original identity document.
You can open a current account at our branches in Astana, Almaty, or Ekibastuz. Please bring the following documents:
1. Foreign passport.
2. Non-resident IIN (tax number).
3. Document confirming the right to stay in Kazakhstan (visa, arrival notification, temporary registration, etc.)
4. Working phone number with the +7 country code (can be foreign).
Please note: The mobile app is currently unavailable for non-residents.
To open a current account at our branches in Astana, Almaty, or Ekibastuz, please provide:
1. Residence permit in the Republic of Kazakhstan.
2. IIN (Individual Identification Number), confirming registration as a taxpayer in the Republic of Kazakhstan.
3. Document confirming the right to stay in Kazakhstan (visa, arrival notification, temporary registration, etc.).
4. Kazakhstani phone number or any number with the +7 country code.
Please note: The mobile app is currently unavailable for non-residents.
- When opening an account via the mobile app, an identity document is not required.
- When opening an account at a branch, you must provide the original identity document.
Yes, opening a current account by power of attorney is allowed only at Bank branches in Astana, Almaty, or Ekibastuz, and the power of attorney must clearly specify the authority to open an account.
To open an account under a notarized power of attorney, you must provide:
1. Original hard copy of power of attorney;
2. Copy of the grantor's identity document;
3. Original identity document of the agent.
A current account is opened in Kazakhstani tenge (₸) through the Bank’s mobile app. Accounts in USD and EUR will be available soon.
Account opening via the Bank’s mobile app – 0 tenge;
Account opening at a Bank branch – 1,000 tenge;
Account closing – 0 tenge, if the account has no balance;
Account closing – 1000 tenge, if the remaining balance is up to 1,000 tenge, the remaining funds are donated to charity;
Crediting funds to a client's account in tenge and in foreign currency (except Russian rubles) – 0 tenge.
Crediting funds to a client's account in Russian rubles (RUB) – 5% of the amount (minimum – 50,000 RUB).
Dormant account maintenance fee (accounts with no incoming or outgoing transactions by the client or their representative for 12 months from the date of the last transaction) - a monthly fee equal to the account balance, but not exceeding 500 tenge;
Cash withdrawal:
From a current account in national currency (excluding cash-based financing and cash deposit returns):
0.5% of the amount (minimum 200 tenge);
From a current account in foreign currency (excluding cash-based financing and cash deposit returns):
0.9% of the amount (minimum 500 tenge);
From a deposit in national currency - 0 tenge;
From a deposit in foreign currency - 0 tenge;
From a current account in national currency within financing - 0 tenge.
A certificate on availability/absence of bank accounts:
- at a Bank branch - 1 000 tenge (whithin 3 (three) business days);
- in the Bank's mobile app - 0 tenge;
Certificate on account availability with period details:
- at a Bank branch - 1 500 tenge (whithin 3 (three) business days);
- in the Bank's mobile app - 0 tenge;
Urgent certificate on availability/absence of bank accounts:
- at a Bank branch - 2 000 tenge (same day);
- in the Bank's mobile app - 0 tenge.
You can get a certificate confirming your account and/or balance online in PDF format
1. Open the Zaman-Bank mobile app;
2. Go to the ""Current account"" section and select "Certificates";
3. Select the type and language of the certificate;
4. Click ""Share via email"" or select another sharing option.
Alternatively, you can request the certificate at a Bank branch.
If you are unable to visit the branch, you may authorize a third party via a notarized power of attorney, which must clearly state the right to request bank account certificates.
1. Open the Zaman Bank mobile app.
2. In the "Current account" section, select "Statement".
3. Select the language and period of the statement.
4. Click "Share via email" or select another sharing option.
The statement will be sent in PDF format.
- Replenishment of the current account by cash or non-cash methods;
- Transfers from the current account to other banks using account details;
- Cash withdrawals at the cash desk of Bank branches;
- Issuance of account statements;
- Issuance of a certificate on the availability/absence of a bank account.
A current account may be frozen due to:
1. Failure to meet obligations to government authorities (e.g., tax debt);
2. Overdue loans or other debts to banks;
3. Court ruling.
You can find more details about the freeze on official government websites using the links below:
Tax debt information https://kgd.gov.kz/ru/app/culs-taxarrear-search-web
Register of debtors in enforcement proceedings https://aisoip.adilet.gov.kz/debtors
Outgoing transactions are only possible after the freeze is lifted, unless otherwise provided by the legislation of the Republic of Kazakhstan.
Yes, replenishment of a frozen current account is allowed.
No, the account can only be closed after the freeze is lifted.
- You can check the status of the freeze via Bank's mobile app.
- You can also contact the Call Center at the toll-free number 4077 (from a mobile phone).
- For planned withdrawals exceeding the established threshold (e.g., *** tenge or equivalent in foreign currency), you must submit a request in advance.
- The Bank may request information about the source of the funds and the purpose of their use.
- Supporting documents may be required to verify the origin of funds.
These procedures are mandatory in all banks of the Republic of Kazakhstan and are established by the state regulator.
- To close an account, you must contact a Bank branch and provide your identity document.
- The Bank also reserves the right to unilaterally close an account if it is deemed inactive and/or has had no funds for a period specified by applicable legislation.
1. Open the Zaman Bank mobile app.
2. In the "Current account" section, select "Account details".
3. Copy the required detail or click Share on the displayed screen.
- At a Bank branch - no commission fee;
- Via Kassa 24 terminal - no commission fee;
- By transferring funds to an account from another bank - subject to the sender bank's fees and tariffs.
At a Bank branch:
- If the account holder is visiting: an identity document is required.
- If a third party is making the deposit: an identity document is required, along with the recipient's IIN and full account details.
Via Kassa 24 terminal:
- Last 6 digits of the recipient's account number and their IIN.
By transfer from another bank:
- Full banking and account details of the recipient.
Per transaction: minimum - 500 tenge, maximum - 500 000 tenge; Monthly limit per client: 5 000 000 tenge
Yes, a third party can replenish your current account. They just need to provide your account details when depositing funds.
To pay your monthly payment, you need to replenish your current account (as shown in the “Financing” section, then “Details” section of the mobile app) before the due date. You can make the payment using any of the following convenient methods:
- Kassa 24 terminals;
- Bank branches;
- Transfers from other second-tier banks.
Please ensure the required amount is available in your current account by 18:00 Astana time on the due date.
1. Open the Zaman Bank mobile app.
2. In the "Financing" section, click on the "Funds for your purposes" banner or the "Open product" button.
3. Enter the amount and term of financing.
4. Fill out the form and give your consent to data processing.
5. For faster approval, upload a 6-month statement from your Kaspi or Halyk card.
6. Wait for the bank's decision and verify your identity.
7. Sign the documents using your electronic digital signature (EDS).
After this, the funds will be credited to your account.
Yes, you can make an early repayment, either full or partial, through the Bank's Mobile App. The service is available daily from 09:00 to 21:00 Astana time.
For partial early repayment, the amount must be no less than two monthly payments
There are no fees or penalties for early repayment.
You can get the amount due in the Zaman Bank mobile app under the "Financing" section.
To submit an application, you only need your IIN. No additional documents are required.
There are no fees for submitting a financing application.
Applications are accepted from individuals who are citizens of the Republic of Kazakhstan, aged 21 up to retirement age.
If your monthly payment falls on a weekend or public holiday, the due date is postponed to the next business day.
You can transfer money to a Bank client using a phone number.
The limit for one transaction is 2 million tenge.
Only in tenge.
Please contact the Bank immediately at 4077. We will find out the cause and assist you.
Please contact the Bank branch or call us at 4077.
Please note: The sender is fully responsible for the accuracy of the information provided when making a transfer.
The Bank’s branches are located in three cities: Astana, Almaty, and Ekibastuz.
A full map with the address of each branch can be found in the “Branches and ATMs” section on the Bank’s website.
The Bank's tariffs for individuals are available on the website in the “Tariffs” section.
Mon-Fri: 9:30 AM to 5:00 PM
Lunch break: 1:00 PM to 2:00 PM
Sat and Sun: Closed
Islamic banking is a financial system based on the principles of Islamic law (Sharia).Unlike traditional banking, Islamic banking prohibits charging interest (riba), speculation and investing in prohibited (haram) industries - such as alcohol, gambling or weapons.
Yes, you can use our products regardless of your religion.
Islamic banking is not about the client’s faith — it’s about principles: honesty, transparency, and respect. We do not charge interest (riba), we avoid hidden conditions, and we do not invest in questionable industries. All our financial decisions are based on the real economy, fair partnership, and trust.
Islamic banking is regulated by the legislation of the Republic of Kazakhstan, as well as Sharia standards.
Islamic banks operate under a Sharia Supervisory Board (SSB), which ensures compliance with Islamic principles and excludes financing of prohibited sectors. The members of our Sharia Supervisory Board are:
Maksatbek Kairgaliev – Chairman of the Sharia Supervisory Board
Altaf Ahmad – member of the Sharia Supervisory Board
Adilbek Ryskulov – member of the Sharia Supervisory Board
Islamic banks do not offer traditional loans with interest, since interest (riba) is forbidden. Instead, Zaman Business uses alternative financing methods, such as the Murabaha commodity product currently available in the Bank.
In Islamic finance, riba refers to interest charged on loans — a prohibited form of income earned from lending money at a fixed return (usury).
ZAMAN BANK began its transition to Islamic banking in 2013. In 2017, the bank received an official license to operate as an Islamic bank. Since then, we have been successfully operating, offering products and services that comply with the principles of Islamic banking.
You can learn more about our history and фсешмшешуы in the “About the Bank” section.
Currently, only mobile phone payments are available. The list of services will expand in the future.
0 tenge
The limit for a single mobile phone payment is 15,000 tenge.
How to get a virtual card:
1. Register in the Zaman Bank mobile app — your card will be issued automatically.
2. If you're already registered, go to the Home page → select the “Cards” section → and click “Open a card.”
After clicking the button, you'll be able to sign an application form using a one-time password (OTP) sent to your phone number via SMS. The card will be issued instantly.
Note: Registration in the mobile app and card issuance are available only to citizens of the Republic of Kazakhstan.
Registration in the Zaman Bank mobile app and card issuance are available only to citizens of the Republic of Kazakhstan.
Registration in the Zaman Bank mobile app and card issuance are available only to citizens of the Republic of Kazakhstan.
Zaman Bank offers you a Mastercard Platinum virtual card
The Platinum virtual card is issued for a period of 3 years.
Currently, only virtual cards are available.
We are working on enabling the issuance of physical cards.
Stay tuned for updates in the Zaman Bank mobile app.
Terms of virtual card service:
Card issuance — free of charge (0 tenge);
First year of service — free of charge (0 tenge);
Starting from the second year — 150 tenge per month.
To protect your funds, Zaman Bank has set transaction limits for card operations. Some limits may be adjusted by contacting Contact Center at 4077 (toll-free from mobile).
Limits that can be changed/disabled upon request:
1. Payment for goods and services on the Internet — up to 100,000 tenge per day (or equivalent in foreign currency).
2. Cash withdrawals from ATMs and POS terminals in the Republic of Kazakhstan and abroad — up to 500,000 tenge per day (or equivalent in foreign currency).
3. Non-cash POS payments abroad — up to 500,000 tenge per day (or equivalent).
Note:
Maximum cash withdrawal amounts:
- 5,000,000 tenge per month (or equivalent in foreign currency).
- 1,000,000 tenge per transaction
— these limits are not subject to change.
Limits that cannot be changed/disabled:
1. Переводы с карты на карту:
- Up to 5,000 USD per transfer;
- Up to 10,000 USD per day;
- Up to 50,000 USD per month.
(equivalent in tenge or foreign currency)
2. Non-cash payments for goods and services that do not comply with Sharia principles:
– limited based on MCC codes (see the [“Documents”] section)
3. Cash withdrawals and non-cash payments in high-risk countries:
– limited based on a list of countries (see the [“Documents”] section).
To change the limits on your card, please contact the Zaman Bank Contact Center at the toll-free number 4077.
We are actively working on adding the ability to manage limits directly in the Zaman Bank mobile app.
Stay tuned — once the service is available, it will be displayed in the app.
At the moment, to block or unblock your card, please contact the Zaman Bank Contact Center at the toll-free number 4077.
We are actively working on adding the ability to manage your card status directly in the Zaman Bank mobile app.
Stay up-to-date with service updates and availability right in the app.
To receive a transfer, you only need to provide the number of your card — the 16 digits on the front.
It is strictly prohibited to share the following card details with third parties:
- Cardholder's full name;
- Card expiration date;
- CVV/CVC code (three-digit code);
- Card PIN code;
- SMS codes for confirming payments and transfers.
Be aware:
Fraudsters may pose as bank employees, police, or other organizations. A bank employee will never request the above information.
When paying online:
Always check that the website is official and has a secure connection (https://).
Never enter your card details via links from messages, even if they promise to transfer money. This is a scam.
Linking your virtual card to Apple Pay or Google Pay wallets allows you to use a mobile phone with NFC support for:
- making purchases at POS terminals (in stores, cafes, etc.);
- withdrawing cash from ATMs that support contactless technology.
At the bank branch — no commission fee.
At Kassa 24 terminals — no commission fee.
By transferring funds to an account from another bank account — subject to the sender bank's fees and tariffs.
By transferring to the card number (16 digits) from another bank’s card — subject to the sender bank's fees and tariffs.
In the Zaman Bank mobile app, in the "Cards" section, you can view and, if necessary, copy your card details.
Important! For security reasons, it is strictly prohibited to share the following details with third parties:
Cardholder's full name;
Card expiration date;
CVV/CVC code (three-digit code);
Card PIN code;
SMS codes for confirming payments and transfers.
Sharing this information may lead to fraudulent activities with your card. Be aware!
In the Zaman Bank mobile app, in the "Cards" section, you can view the full details of your virtual card. The expiration date will be listed there.
One month before your card’s expiration, we will send you an SMS notification and/or a push notification in the app.
Currently, there are no bonuses available for the virtual card. However, Zaman Bank is actively working on implementing a bonus program.
Stay updated in the Zaman Bank mobile app.
To withdraw cash, you need to:
1. Link your virtual card to Apple Pay or Google Pay through the Zaman Bank app — on the main page or the "Cards" page.
2. Use a mobile phone with NFC support to withdraw cash from ATMs.
Step-by-step instructions:
- Activate your Apple Pay or Google Pay wallet using the side button of your phone;
- Pass biometric authentication (Face ID, fingerprint, etc.);
- Your virtual card will appear on the phone screen;
- Hold your phone near the ATM at the location where the contactless payment or card symbol is displayed;
- Wait for the menu to appear on the ATM screen;
- Choose the "Withdraw Cash" option, then specify the amount.
Cash withdrawal from ATMs of banks in the Republic of Kazakhstan:
0 tenge for up to 300,000 tenge within a calendar month;
1% of the amount (min 500 tenge) for amounts exceeding 300,000 tenge within a calendar month.
Cash withdrawal from ATMs of banks outside the Republic of Kazakhstan:
0 tenge for up to 300,000 tenge within a calendar month;
1,5% of the amount (min 500 tenge) for amounts exceeding 300,000 tenge within a calendar month.
Cash withdrawal at the Bank's cash desk:
0.5% of the amount (minimum 200 tenge) in the local currency (tariffs do not apply for granting a financing and return of deposit in cash);
0.9% of the amount (minimum 500 tenge) in the foreign currency (tariffs do not apply for granting a financing and return of deposit in cash).
CVC (Card Verification Code) or CVV (Card Verification Value) is a three-digit security code used to verify the authenticity of your card during online payments and transactions without presenting the card.
This code is located on the back of the card — usually near the signature strip.
Note:
Never share your CVC/CVV code with third parties to protect your funds from fraud.
For virtual cards, the CVC/CVV code is displayed in the Zaman Bank mobile app in the "Cards" > "Details" section.
You should contact the Zaman Bank Contact Center at the toll-free number 4077 (from a mobile phone).
You must immediately contact the Zaman Bank Contact Center at the toll-free number 4077 (from a mobile phone), block the card and then follow the consultant's instructions.
1. Open the Zaman Bank app;
2. In the "Cards" section, choose "Statement";
3. Choose the account, language, and statement period;
4. Click "Send by Email" or choose another sharing method.
The statement will be sent in PDF format.
1. Open the Zaman Bank app;
2. On the main page, click on the account you want to link the card to;
3. In the appeared windows, click "Confirm";
4. On the main page, you will see that the card is linked to the selected account, as well as the balance on this account.
By having one card and accounts in different currencies, you can link the card to any of the available accounts. This allows you to conduct transactions in the desired currency, which:
- helps save on currency conversion;
- eliminates the need to check exchange rates and replenish the account with the necessary amount for planned expenses in advance.
Currently, closing a card is not available in the Zaman Bank mobile app or at Zaman Bank branches. We are working on adding this feature to the mobile app.
Stay updated for the release of this feature in the Zaman Bank app.
If you decide not to use the card temporarily, we recommend blocking it to stop the monthly maintenance fee charges.
Islamic banking is a financial system based on the principles of Islamic law (Sharia).Unlike traditional banking, Islamic banking prohibits charging interest (riba), speculation and investing in prohibited (haram) industries - such as alcohol, gambling or weapons.
In Islamic banking, you do not earn interest. Instead, when you entrust your funds to the bank, your money is invested in real, ethical projects. We act as your agent under a Wakala agreement: we manage your funds on your behalf in strict accordance with Shariah principles.
Your return is generated not from interest, but as a result of investment activity.
Yes, you can use our products regardless of your religion.
Islamic banking is not about the client’s faith — it’s about principles: honesty, transparency, and respect. We do not charge interest (riba), we avoid hidden conditions, and we do not invest in questionable industries. All our financial decisions are based on the real economy, fair partnership, and trust.
Profit on the Wakala deposit is paid monthly, on the same day you opened the deposit. You choose whether to deposit the return directly to your account or add it to your deposit.
This choice is fixed when the deposit is opened and remains unchanged for the entire term.
To receive the maximum return of 20% per year, simply open a Wakala deposit for 36 months and choose the option where profit is added to the principal amount. This allows profit to "work for itself" — this is called capitalization. If you're not ready to commit to a 3-year term, other terms are available, ranging from 3 to 24 months. Choose what's most convenient for you.
Yes, you can replenish your deposit within the first 30 calendar days from the opening date (including the opening date). After this period, additional contributions are no longer available.
Partial withdrawals are not allowed — the full amount remains on the deposit until the end of the term. However, if needed, you may close the deposit early and the deposited amount will be returned to your account.
No, opening the deposit is completely free. The Bank does not charge an agency fee for opening a Wakala deposit.
You may receive profit monthly — either to your account or added to your deposit. If profit is added to the deposit, it also begins to generate profit, increasing your final return (up to 20% per annum). If you choose payout to your account, you can use the money immediately. You decide which option is most convenient for you.
Yes, the deposit is automatically renewed for the same term and under the conditions valid on the renewal date. There is no limit to the number of renewals.
If you decide to close the deposit early, any accrued profit is not retained — this is specified in the agreement. All profit previously paid is deducted from the total, and the remaining balance is returned to your account. However, if you have already renewed (prolonged) the deposit, then in case of termination, the profit for the previous completed term (before renewal) is preserved.
To register, you need to:
- Enter your phone number and IIN;
- Confirm the number via SMS code;
- Pass quick biometric verification (this will take a couple of minutes);
- Create a password code to log in.
Currently, registration in the mobile app is only available for individual entrepreneurs registered under IIN.
If you operate as an individual entrepreneur or farming household registered under BIN, this feature is temporarily unavailable — but we are actively working on enabling it.
You can still open an account at one of our branches in Almaty, Astana, or Ekibastuz.
Thank you for your understanding! BIN-based onboarding will be available in the app soon.
- Enter the 4-digit code you created during registration.
- If you set up Face ID or fingerprint login, simply scan your face or place your finger on it.
1. Open the app and log in to your account.
2. Go to the "Profile" section, select "Change login code" and follow the onscreen instructions.
Simply click on "Forgot password" on the login screen and follow the instructions — the app will help you restore access.
Log in to the app, open the "Profile" section, select "Biometric login" and follow the instructions.
Biometric identification is the process of verifying your identity using your unique physiological or biological characteristics in order to unambiguously confirm your right to securely access electronic banking services.
Try the following:
1. Forgot your code? Click on "Forgot password" on the login screen and follow the instructions.
2. Check your details. Make sure your phone number and IIN are entered correctly.
3. Not receiving the SMS code?
– Make sure you have a stable internet connection.
– Check your phone number.
– Wait a couple of minutes and try again.
4. Still having trouble? Call us at 4077 — we’ll help you sort it out.
1. Download the Zaman Bank app from the App Store or Google Play.
2. Open the app and enter the phone number and IIN you used during registration.
3. Confirm your number via SMS code.
4. Pass biometric verification.
5. Set a new login passcode.
1. If you haven’t registered yet, you can select the language on the first screen — where you enter your phone number and IIN.
2. After registration, you can change the language in the Profile section (icon in the top left corner).
3. Select “App Language” and follow the instructions.
Currently, it’s not possible to update personal details directly in the app.
If your name, phone number, or other personal data has changed, please call the support service at 4077 — our specialists will assist you.
If your phone is lost or stolen, call the Bank’s support service immediately at 4077.
We will help you quickly block access to your account and freeze your cards if necessary.
- Do not share your card details, PIN codes, or SMS codes with anyone.
- Do not share your login or access code for the mobile app.
- Do not install third-party apps at someone else’s request.
- Do not transfer money to so-called “safe accounts.”
- Do not trust calls and messages from alleged bank employees, government agencies, or security services.
- Do not click on suspicious links, even if they come from someone you know.
- Do not continue conversations if you are asked to switch to unofficial channels like messengers.
- Do not share OTP confirmation codes, unless you have contacted
the Contact Center yourself.
Zaman-Bank will never ask you for passwords, PINs, or access codes.
If anything seems suspicious, end the conversation immediately and call the support service at 4077.
1. Open the Zaman Business mobile app.
2. In the "Financing" section, click on the "Funds for your purposes" banner or the "Open product" button.
3. Enter the amount and term of financing.
4. Fill out the form and give your consent to data processing.
5. For faster approval, upload a 6-month statement from your Kaspi or Halyk card.
6. Wait for the bank's decision and verify your identity.
7. Sign the documents using your electronic digital signature (EDS).
After this, the funds will be credited to your account.
To pay your monthly payment, you need to replenish your current account (as shown in the “Financing” section, then “Details” section of the mobile app) before the due date. You can make the payment using any of the following convenient methods:
- Kassa 24 terminals;
- Bank branches;
- Transfers from other second-tier banks.
Please ensure the required amount is available in your current account by 18:00 Astana time on the due date.
Yes, you can make an early repayment, either full or partial, through the Bank's Mobile App. The service is available daily from 09:00 to 21:00 Astana time.
For partial early repayment, the amount must be no less than two monthly payments
You can get the amount due in the Zaman Bank mobile app under the "Financing" section.
To submit an application, you only need your IIN. No additional documents are required.
There are no fees for submitting a financing application.
Applications are accepted from individuals who are citizens of the Republic of Kazakhstan, aged 21 up to retirement age.
If your monthly payment falls on a weekend or public holiday, the due date is postponed to the next business day.
You can open a current account in two ways:
1. By registering in the Zaman-Bank mobile app (available only for individual entrepreneurs based on their IIN).
2. By visiting any Bank branch (available for legal entities, individual entrepreneurs/farming households based on BIN).
A representative of the legal entity must visit one of the branches in Astana, Almaty, or Ekibastuz and provide the following documents:
1. Consituent documents of the legal entity (articles of association, minutes or decision on establishment, certificate of state registration)
2. Identity documents of persons authorized to sign payment documents
3. Documents confirming the authority of the legal entity's head
4. Signature samples and stamp specimens (if any)
5. License (if the activity is subject to licensing)
6. Additional documents, as requested by the Bank depending on the specific nature of the business
For non-resident legal entities, additional documents are required:
1. Extract from the trade register;
2. Document on registration of a non-resident as a taxpayer in the Republic of Kazakhstan;
3. Document confirming receipt of a BIN in the Republic of Kazakhstan.
Please note: The mobile app is currently unavailable for legal entities and individual entrepreneurs/farming households based on BIN
- When opening an account for individual entrpreneurs via the mobile app, an identity document is not required.
- When opening an account for individual entrpreneurs and legal entities at a Bank branch, you must provide the original identity document.
Opening a current account for individual entrpreneurs by power of attorney is allowed only at Bank branches in Astana, Almaty, or Ekibastuz, and the power of attorney must clearly specify the authority to open an account.
To open an account for individual entrpreneurs under a notarized power of attorney, you must provide:
1. Original hard copy of power of attorney;
2. Copy of the grantor's identity document;
3. Original identity document of the agent.
Currently, the mobile app allows opening an account for individual entrepreneur in tenge only.
Opening accounts in foreign currencies is not yet available, but we are already working on it - it will be launched soon.
When registering as an individual entrepreneur in the Zaman Business mobile app, opening and maintaining a current account monthly via the mobile app is free of charge.
When an individual entrepreneur applies to a Bank branch for service:
opening the first account – 2,500 tenge (one-time fee);
opening each subsequent account – 1,000 tenge (one-time fee);
account management if there is any account activity – 2,000 tenge (monthly fee);
account management if there is no account activity for 12 months – in the amount the account balance, but not more than 2,000 tenge;
closing an account at the initiative of an individual entrepreneur at the Bank's branches – 5,000 tenge (this service is currently unavailable for individual entrepreneurs in the mobile app).
Reciept, recounting and crediting of money to the account of an individual entrepreneur in tenge and in foreign currency (except Russian rubles) - 0 tenge.
Reciept, recounting and crediting of money to the account of an individual entrepreneur in Russian rubles (RUB) - 5% of the amount (minimum - 50,000 RUB).
Cash withdrawal in tenge (tariffs do not apply for granting a financing and return of deposit in cash) - 0.5% of the amount (minimum - 500 tenge);
Cash withdrawal in foreign currency (ttariffs do not apply for granting a financing and return of deposit in cash) - 1.2% of the amount (minimum - 1,000 tenge).
A certificate on availability/absence of bank accounts:
- at a Bank branch - 2 000 tenge (whithin 3 (three) business days);
- in the Bank's mobile app - 0 tenge;
Certificate on account availability with period details:
- at a Bank branch - 2 500 tenge (whithin 3 (three) business days);
- in the Bank's mobile app - 0 tenge;
Urgent certificate on availability/absence of bank accounts:
- at a Bank branch - 3 000 tenge (same day);
- in the Bank's mobile app - 0 tenge.
You can get a certificate confirming your account and/or balance online in PDF format
1. Open the Zaman-Bank mobile app;
2. Go to the ""Current account"" section and select "Certificates";
3. Select the type and language of the certificate;
4. Click ""Share via email"" or select another sharing option.
Alternatively, you can request the certificate at a Bank branch.
If you are unable to visit the branch, you may authorize a third party via a notarized power of attorney, which must clearly state the right to request bank account certificates.
1. Open the Zaman Bank mobile app.
2. In the "Current account" section, select "Statement".
3. Select the language and period of the statement.
4. Click "Share via email" or select another sharing option.
The statement will be sent in PDF format.
- Replenishment of the current account in cash at the cash desk of Bank branches and the Kassa-24 terminals;
- Replenishment of the current account by non-cash means;
- Transfers from the current account to other banks using account details;
- Cash withdrawals at the cash desk of Bank branches;
- Issuance of account statements;
- Issuance of a certificate on the availability/absence of a bank account.
A current account may be frozen due to:
1. Failure to meet obligations to government authorities (e.g., tax debt);
2. Overdue loans or other debts to banks;
3. Court ruling.
You can find more details about the freeze on official government websites using the links below:
Tax debt information https://kgd.gov.kz/ru/app/culs-taxarrear-search-web
Register of debtors in enforcement proceedings https://aisoip.adilet.gov.kz/debtors
Outgoing transactions are only possible after the freeze is lifted, unless otherwise provided by the legislation of the Republic of Kazakhstan.
Yes, replenishment of a frozen current account is allowed.
No, the account can only be closed after the freeze is lifted.
- You can check the status of the freeze via Bank's mobile app.
- You can also contact the Call Center at the toll-free number 4077 (from a mobile phone).
- When withdrawing cash from your account for individual entrepreneurs, you must submit a request in advance.
- If the withdrawal amount exceeds the legal monthly limits for business entities, the client must provide the Bank with documents confirming the origin of funds.
These procedures are mandatory in all banks of the Republic of Kazakhstan and are established by the state regulator.
- To close an account, you must contact a Bank branch and provide your identity document (original or notarized copy)
- Document confirming the status of an individual entrepreneur (in case of changes or termination of business activity)
- Document confirming no outstanding debts to the Bank
- Notarized power of attorney (if the account is closed by a representative of an individual entrepreneur)
The Bank also reserves the right to unilaterally close an account if it is deemed inactive and/or has had no funds for a period specified by applicable legislation.
1. Open the Zaman Business mobile app.
2. In the "Current account" section, select "Account details".
3. Copy the required detail or click Share on the displayed screen.
You can transfer funds from your current account to accounts at any bank in Kazakhstan, including those held by individuals or legal entities.
- Transfer from your account to any bank in Kazakhstan (both to individuals or legal entities)
- SWIFT transfers (international transfers)"
In the mobile app – tenge
At Bank branches – in tenge, euros, and other currencies (subject to technical availability)
For transfers to other banks in Kazakhstan by account number:
- the minimum transfer amount is 1 tenge;
- the maximum transfer amount is 4,000,000 tenge.
Bank tarriffs for transfers are available in the "Bank Tariffs" section on the website.
Bank tarriffs for transfers are available in the "Bank Tariffs" section on the website or at Bank branches.
Transfers are available to any bank in Kazakhstan.
To make a transfer from abroad make sure international roaming is enabled on your Kazakhstani phone number.
The Bank will send a confirmation SMS code to your number.
If your number is not accessible (e.g., roaming is off), you won’t receive the code, and the transfer cannot be made."
Please contact the Bank immediately at 4077. We will find out the cause and assist you.
Please contact the Bank branch or call us at 4077.
Please note: The sender is fully responsible for the accuracy of the information provided when making a transfer.
In our app, you can make the following budget payments for yourself as an individual entrepreneur and for your employees:
- Pension contributions
- Employer pension contributions
- Social security contributions
- Health insurance contributions and deductions (VOSMS and OOSMS)
Payment of taxes (IPN, SN) is temporarily unavailable and will be available in future updates.
1. In the menu, select "Operations" → "Budget Payments."
2. Select "For the Company" (as an individual entrepreneur).
3. Specify the payment type, purpose, period, and amount.
4. Confirm the transaction using the OTP code.
1. Go to Menu → "Operations" → "Budget Payments."
2. Select "For Employees."
3. If this is your first time, add an employee: IIN, full name, date of birth, and country of residence.
4. Return to the payment page → select the payment type and purpose, and select one or more employees.
5. Specify the period and amount.
6. Confirm the transaction using the OTP code.
All budget payments through the mobile app are free of charge.
- At a Bank branch - no commission fee;
- Via Kassa 24 terminal - no commission fee;
- By transferring funds to an account from another bank - subject to the sender bank's fees and tariffs.
At a Bank branch:
- If the account holder is visiting: an identity document is required.
- If a third party is making the deposit: an identity document is required, along with the recipient's IIN and full account details.
Via Kassa 24 terminal:
- Last 6 digits of the recipient's account number and their IIN.
By transfer from another bank:
- Full banking and account details of the recipient.
Per transaction: minimum - 500 tenge, maximum - 500 000 tenge; Monthly limit per client: 5 000 000 tenge
Yes, a third party can replenish your current account. They just need to provide your account details when depositing funds.
Islamic banking is a financial system based on the principles of Islamic law (Sharia).Unlike traditional banking, Islamic banking prohibits charging interest (riba), speculation and investing in prohibited (haram) industries - such as alcohol, gambling or weapons.
Yes, you can use our products regardless of your religion.
Islamic banking is not about the client’s faith — it’s about principles: honesty, transparency, and respect. We do not charge interest (riba), we avoid hidden conditions, and we do not invest in questionable industries. All our financial decisions are based on the real economy, fair partnership, and trust.
Islamic banking is regulated by the legislation of the Republic of Kazakhstan, as well as Sharia standards.
Islamic banks operate under a Sharia Supervisory Board (SSB), which ensures compliance with Islamic principles and excludes financing of prohibited sectors.
The members of our Sharia Supervisory Board are:
Maksatbek Kairgaliev – Chairman of the Sharia Supervisory Board
Altaf Ahmad – member of the Sharia Supervisory Board
Adilbek Ryskulov – member of the Sharia Supervisory Board
Islamic banks do not offer traditional loans with interest, since interest (riba) is forbidden. Instead, Zaman Business uses alternative financing methods, such as the Murabaha commodity product currently available in the Bank.
In Islamic finance, riba refers to interest charged on loans — a prohibited form of income earned from lending money at a fixed return (usury).
ZAMAN BANK began its transition to Islamic banking in 2013. In 2017, the bank received an official license to operate as an Islamic bank. Since then, we have been successfully operating, offering products and services that comply with the principles of Islamic banking.
You can learn more about our history and фсешмшешуы in the “About the Bank” section.
The Bank’s branches are located in three cities: Astana, Almaty, and Ekibastuz.
A full map with the address of each branch can be found in the “Branches and ATMs” section on the Bank’s website.
The Bank's tariffs for individual entrepreneurs and legal entities are available on the website in the “Tariffs” section.
Mon-Fri: 9:30 AM to 5:00 PM
Lunch break: 1:00 PM to 2:00 PM
Sat and Sun: Closed