An account with KZT, USD, EUR balances and in-bank conversion. The base of the client’s settlement infrastructure in the jurisdiction.
Updated 19.08.2026
Bereke Bank · Kazakhstan
Opening an account at Bereke Bankfor those working in Kazakhstan
Support in opening an account at Bereke Bank — for clients with a confirmed Kazakhstan connection. In practice the bank expects an employment contract with a local employer; applicability is checked before the start.
- PERSONAL ACCOUNT
- DEBIT CARD
- SWIFT
- NON-RESIDENT
- KazakhstanJurisdiction
- KZT · USD · EURMain currencies
- For non-residentsApplications considered
- Per bank termsOpening format
Overview
Key terms
Bereke Bank is a large Kazakh bank. Its non-resident practice is conservative: besides the IIN and an in-person visit, the bank in practice requests an employment contract with a Kazakh legal entity. Suits a narrow set of situations — relocants and local company employees.
- Account type
- Personal account and card
- Client
- Including non-residents — per bank requirements
- Currencies
- KZT · USD · EUR
- Bank card
- Yes, per the selected bank product
- SWIFT
- Yes
- SEPA
- No: EUR payments run via SWIFT
- Opening
- In-person visit; in practice — with an employment contract with a Kazakh employer
- Timeline
- From several working days after the IIN is issued; depends on the bank’s review
- Bank fees
- Set by the bank; shown before the work starts
- BRIDGES GLOBAL service
- From €2,500, fixed before payment
Products
What you get
An international payment card linked to the account — physical and digital formats per the bank’s line.
Online banking and a mobile app: payments, conversion, statements and bank communication remotely.
File preparation, filing coordination and responses to bank requests — before the decision and after opening.
Bank card
Debit card
- Payment network
- Visa or Mastercard — per bank product
- Currencies
- KZT · USD · EUR
- Format
- Physical and digital card
- Delivery
- At a bank branch at opening or later
- Mobile wallets
- Per current bank terms
- Maintenance
- Per bank tariffs; shown before the project
Card issuance and maintenance terms are set by the bank. Before the project we confirm the current tariffs of the selected product.
Non-residents
Who Bereke Bank suits
The bank opens non-resident accounts given a confirmed employment connection to Kazakhstan: in practice a contract with a local employer is needed, often with a salary project at the bank. Without such a connection we will honestly propose a catalogue alternative.
- An employment contract with a Kazakh employer is the key practical condition
- An IIN and an in-person visit — as at all banks in the country
- Without the employment connection we recommend CenterCredit, Halyk or Forte
Availability
Availability by citizenship
Select citizenship:
Statuses reflect review practice as of the verification date and are not a promise on the bank’s behalf. The bank makes the final decision on each specific application.
Requirements
What the applicant needs
The account opens personally to an applicant aged 18+ with a valid passport.
A non-resident needs a Kazakh tax number. We obtain it as part of the service before the bank visit.
Bereke Bank verifies source of funds and account purpose. We prepare this part of the file in advance.
Identification takes place at a branch. The date and city are coordinated in advance.
Preparation
Documents for the bank
The exact list depends on citizenship, residency and source of funds: after the pre-check we send a personal list with samples.
Source of funds
Pick your main source — we show the documents the bank typically requests.
Documents usually required
- Employment contract or employer letter
- Salary account statements
- Tax returns where applicable
Pricing
BRIDGES GLOBAL support packages
Account and core support until the bank’s decision
Adds card issuance and digital banking set-up
Adds support for bank compliance requests for 6 months after opening
Included
- Preliminary check
- Personal document list
- Application and banking file preparation
- Visit booking and coordination
- Bank communication support
- Responses to additional bank requests
Not included
- The bank’s decision to open the account
- Bank fees and tariffs
- Minimum balance and deposits
- Third-party costs: translations, apostilles, travel
Process
How the account opening works
- 01Pre-check
We assess citizenship, residency, source of funds and account purpose — and say honestly whether the application has a prospect.
- 02Payment and project creation
Once the fit is confirmed we invoice the service. The project gets a number and a personal coordinator.
- 03Document collection
We send a personal list, verify each document and request anything missing in advance.
- 04Banking file
We build the file in the logic of compliance questions: source of funds, account purpose, expected operations.
- 05Filing and visit
We obtain the IIN, coordinate the date and branch in Almaty or Astana, prepare the client for the bank’s questions and support the filing.
- 06Compliance review
The bank reviews the application. We answer additional Bereke Bank requests and keep the client informed.
- 07Bank decision
The decision belongs to the bank. If declined, we analyse the reason and propose the next step — keeping the prepared file.
- 08Account and card
We help activate the account, the card and digital banking. On the extended package we stay available for bank requests.
Compliance
Compliance and source of funds
The bank assesses not the size of the capital but its clarity: where the funds come from, what the client does, what operations are planned. We prepare the file in this logic before filing, so most compliance questions close in advance rather than in correspondence after filing.
The final decision on opening the account, issuing the card and providing banking products belongs to the bank. BRIDGES GLOBAL provides consulting and support services and does not guarantee a positive bank decision. Payment is made for BRIDGES GLOBAL services in preparing and supporting the project.
Questions
Account opening questions
Under current practice — unlikely: the bank expects an employment contract with a local employer. At the pre-check we will say so honestly and propose another bank in the country if needed.
The IIN is Kazakhstan’s individual identification number. A non-resident needs it to open an account; obtaining it takes several days and is part of our service.
The base scenario is an in-person visit and branch identification. Certain remote scenarios occur, but their availability is checked before the project.
After the IIN is issued and with a complete document set - usually from several working days. The timeline depends on the Bereke Bank review.
Payment covers BRIDGES GLOBAL’s preparation and support work, not the bank’s decision. We start with a free pre-check and do not take on applications without a realistic prospect. Termination terms are fixed in the agreement before payment.
Team
Who runs banking projects
Dmitry NagyInternational Tax ConsultantBanking solution shortlist and the preliminary client check
Klara RihterHead of Compliance and Due DiligenceThe banking file and source of funds
Elena TitovaClient Relationship ManagerProject coordination and client liaison- 20+ yearsof international practice
- 8,000+families obtained status with BRIDGES GLOBAL
- 40+countries and jurisdictions in work
Availability
Another solution may fit you better
Bank CenterCreditfrom €2,500Bereke Bank · Personal account and card