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Updated 19.08.2026

Halyk Bank · Kazakhstan

Opening an account at HalykBank for non-residents

Support in opening an account and a card at Kazakhstan’s largest bank: we obtain the IIN, prepare the file and coordinate the visit. Halyk Bank is the base choice when maximum reliability within the jurisdiction matters.

  • PERSONAL ACCOUNT
  • DEBIT CARD
  • SWIFT
  • NON-RESIDENT
  • KazakhstanJurisdiction
  • KZT · USD · EURMain currencies
  • For non-residentsApplications considered
  • Per bank termsOpening format

Overview

Key terms

Halyk Bank is Kazakhstan’s largest bank with the widest network and a full personal product line: KZT, USD and EUR accounts, international payment cards, a developed app. A non-resident needs a local IIN and an in-person visit; the application passes the bank’s standard review.

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; non-residents need a local tax number (IIN)
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

Multi-currency account

An account with KZT, USD, EUR balances and in-bank conversion. The base of the client’s settlement infrastructure in the jurisdiction.

Bank card

An international payment card linked to the account — physical and digital formats per the bank’s line.

Digital banking

Online banking and a mobile app: payments, conversion, statements and bank communication remotely.

BRIDGES GLOBAL support

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

Opening without Kazakh residency

Halyk Bank opens accounts to non-residents subject to two conditions: a local tax number (IIN) and in-person identification at a branch. From there, preparation decides: source of funds, account purpose and a correct document set.

  • The IIN takes several days and is part of the service
  • A Kazakh residence permit is not required
  • An in-person visit is the standard identification condition

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

Adult applicant

The account opens personally to an applicant aged 18+ with a valid passport.

Local IIN

A non-resident needs a Kazakh tax number. We obtain it as part of the service before the bank visit.

Verifiable source of funds

Halyk Bank verifies source of funds and account purpose. We prepare this part of the file in advance.

In-person visit

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 only€2,500

Account and core support until the bank’s decision

Account + bank card€2,800

Adds card issuance and digital banking set-up

Account + extended support€3,700

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

  1. 01Pre-check

    We assess citizenship, residency, source of funds and account purpose — and say honestly whether the application has a prospect.

  2. 02Payment and project creation

    Once the fit is confirmed we invoice the service. The project gets a number and a personal coordinator.

  3. 03Document collection

    We send a personal list, verify each document and request anything missing in advance.

  4. 04Banking file

    We build the file in the logic of compliance questions: source of funds, account purpose, expected operations.

  5. 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.

  6. 06Compliance review

    The bank reviews the application. We answer additional Halyk Bank requests and keep the client informed.

  7. 07Bank decision

    The decision belongs to the bank. If declined, we analyse the reason and propose the next step — keeping the prepared file.

  8. 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

No, the IIN is mandatory for a non-resident. We obtain the number as part of the service: usually several days before the bank visit.

International debit cards linked to the multi-currency account; the specific product and tariffs are confirmed before the project.

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 Halyk 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 NagyDmitry NagyInternational Tax ConsultantBanking solution shortlist and the preliminary client checkKlara RihterKlara RihterHead of Compliance and Due DiligenceThe banking file and source of fundsElena TitovaElena 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

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from €2,500Halyk Bank · Personal account and card