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.