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Popular questions

When you order a card in the Internet, it is ready within 3 to 5 business days. The courier contacts you before the card delivery.

When you order a card in the Internet and select Branch delivery method, a notification of the card readiness and location is sent to the email address you provided. After receipt of the notification, you need to go to the specified Branch address. A card is ready within 3 to 5 business days.

When you order a card in the Internet and select Courier delivery method, a card is delivered to the address within the city borders. The terms differ for regions of the Republic of Kazakhstan:
– for customers in Almaty the card delivery term is 3 business days;
– for customers in other cities and towns of the Republic of Kazakhstan the term is 5 business days.

A card at a Bank Outlet is issued within 10 business days. When the card is ready, the Bank Outlet manager contacts you.

Available amount on the card can be found out:

  • in the Smartbank mobile app or web-version;
  • by using the USSD-menu at *979# NOTE! You should type a command from the phone number assigned to your bank agreement;
  • by calling Contact Center at: + (771) 000-77-22 (Beeline), +7 (700) 000-77-22 (Tele2/Altel), +7 (702) 000-77-22(Activ/Kcell). NOTE! You should call from the phone number assigned to your bank agreement, and then follow the robot instructions.
  • in the Smartbank mobile app or web-version;
  • by using the USSD-menu at *979# NOTE! You should type a command from the phone number assigned to your bank agreement;
  • by calling Contact Center at: + (771) 000-77-22 (Beeline), +7 (700) 000-77-22 (Tele2/Altel), +7 (702) 000-77-22(Activ/Kcell). NOTE! You should call from the phone number assigned to your bank agreement, and then follow the robot instructions.

The PIN-code on the card can be set in two ways.

Way 1

Setting a PIN-code at the numbers:

+7 (777) 333-37-27 (Beeline);

+7 (700) 333-37-27 (Tele2/Altel);

+7 (778) 870-77-27 (Activ/KCell).

Note! You should call from the phone number assigned to your bank agreement.

When calling, please enter the following data:

— the last 4 digits of the card number;

— 4 digits of the PIN-code created by you.

 

Way 2

Setting a PIN-code in Smartbank:

— download the Smartbank app (AndroidiOS);

— register in Smartbank;

— select the card to which you wish to set the PIN-code;

— select the PIN-code option;

— enter 4 digits of the PIN-code chosen by you.

You can block a card in the Smartbank account, and by calling the Contact Center at: +7 (771) 000-77-22 (Beeline), +7 (700) 000-77-22 (Tele2/Altel), +7 (702) 000-77-22 (Activ/Kcell).

Unlocking the card is done in Smartbank or at a Bank Outlet. You must have an identity card with you.

PayDA works on the revolving loan limit principle.

Each time you make purchases by installmentы, the limit amount is reduced by the purchase amount. And every time you make a payment, the available amount increases by the amount of replenishment, allowing you to make new purchases.

 

The PayDA card fees are provided only in case of purchases outside the Bank partner network. If you make purchases only within the Bank partner network, you do not pay any fee. In addition, if you pay off arrears within the grace period, you do not pay the Bank fee as well.

The following types of fees are provided on the PayDA card:

– 2 000 tenge when making installment purchases for a total amount of less than 200, 000 tenge;

– 5,000 tenge when making installment purchases for a total of more than 200,000 tenge.

When you order a card in the Internet, a delivery time in Almaty is 3 business days. Delivery to other cities and towns takes up to 5 business days. The courier contacts you before the card delivery.

A card at a Bank Outlet is issued within 10 business days. When the card is ready, the Bank Outlet manager contacts you.

Available amount on the card can be found out:

  • in the Smartbank mobile app or web-version;
  • by using the USSD-menu at *979#

NOTE! You should type a command from the phone number assigned to your bank agreement;

  • by calling Contact Center at: + (771) 000-77-22 (Beeline), +7 (700) 000-77-22 (Tele2/Altel), +7 (702) 000-77-22(Activ/Kcell). NOTE! You should call from the phone number assigned to your bank agreement, and then follow the robot instructions.

The PIN-code on the card can be set in two ways.

Way 1

Setting a PIN-code at the numbers:

+7 (777) 333-37-27 (Beeline);

+7 (700) 333-37-27 (Tele2/Altel);

+7 (778) 870-77-27 (Activ/KCell).

Note! You should call from the phone number assigned to your bank agreement.

When calling, please enter the following data:

— the last 4 digits of the card number;

— 4 digits of the PIN-code created by you.

 

Way 2

Setting a PIN-code in Smartbank:

— download the Smartbank app (AndroidiOS);

— register in Smartbank;

— select the card to which you wish to set the PIN-code;

— select the PIN-code option;

— enter 4 digits of the PIN-code chosen by you.

With the PayDA card, you can purchase goods and services by installments worldwide.

To pay for goods or services, simply give the card instead of money to the cashier, or attach the card to the terminal if there is a contactless payment method.

Contactless payments are indicated at the cash desk by these icons:

In this case, you may be asked to enter a PIN-code and produce an identity document.

If the available amount on the card is enough to make a purchase, the operation will be successful, and the available amount will decrease by the amount of the purchase.

The cashier shall print out two receipts from the POS terminal: one of the receipts shall be handed to you for signing, be sure to take the second copy of the receipt with you. Do not forget to pick up the card.

Congratulations on your purchase!

Note!

Cash withdrawal under the PayDA installment card from a credit limit is not provided.

For payment you shall need a card number, its validity period and a three-digit CVV2 code, which is indicated on the back of the card.

When making an transaction in the Internet, never provide PIN-code.

Before buying, be sure to read the terms of return, refund and delivery of goods.

Be sure to keep copies of your online purchase confirmations, including terms of order delivery.

Note! When making purchases in the partner network, a card fee shall not be charged!

The partner network for PayDA cards has more than 2,500 outlets in Kazakhstan.

All project partner stores have PayDA identification stickers:

 

The stickers confirm that a store is a partner of the PayDA project. When making purchases at a given partner outlet or online store, you shall not pay a Bank fee.

The amount of payment by a PayDA card can be found in:

  • in the Smartbank mobile app or web-version;
  • a text message on an invoice sent to your phone number on the first day of each month;
  • by calling Contact Center at: + (771) 000-77-22 (Beeline), +7 (700) 000-77-22 (Tele2/Altel), +7 (702) 000-77-22(Activ/Kcell). The robot will read the information automatically.

To repay the debt on time, you need to credit at least the minimal payment amount to the account from the 1st to the 20th day of a month.

By the results of a month, the Bank calculates the minimal payment taking into account the fees provided. So that you have time to pay off on time, the Bank will send you a text message at the beginning of a month with the minimal payment amount and the grace period amount, as well as with the date by which payment is due.

We recommend that you pay off your debt in advance, by the 10th of the month. If for any reason you did not receive a text message with the amount and date of the minimal payment, you can find it in the Smartbank mobile application or contact the support service to clarify the payment details.

 

The PayDA installment card has a grace period of up to 50 days.

A grace period is a period during which the fee on the card is not charged, subject to full repayment of all installment amounts for the previous month.

The grace period lasts from the transaction date until the 20th day of the following month. The maximal grace period is 50 days.

Take advantage of the grace period and do not pay any fees!

Payments by PayDA card should be paid before the 20th day of each month, until 8:00 p.m. Nur-Sultan time.

For convenience, we have provided various options for paying off debt on a PayDA installment card. Choose any:

– transfer from any bank card at pay.smartbank.kz portal or in the Smartbank mobile application;

– cash deposit through Bank payment terminals or an ATM with the Cash-in function;

– cash deposit through cash desks of Bank Outlets.

So that you could manage to make the minimal payment on time or take advantage of the grace period, at the beginning of a month the Bank will send you a text message with information about the repayment amounts within the minimal payment and within the grace period, payment date and time.

We recommend not to plan payment on the very last day, but to make it in advance, until the 10th day of a month.

If for some reason you did not specify the repayment amount from a text message at the beginning of the month, we will send a repeated text message with information on the repayment amounts within the minimal payment and within the grace period, payment date and time.

If a payment is made earlier than the minimal payment date, namely, from the 20th to the 31st day of the reporting month, the amount deposited will be credited to the own funds account and will be there until the settlement date, that is, until the 1st day of the following month. Debt shall not be written-off until the settlement date.

In this case, the amount deposited should be at least the minimal payment.

Upon the settlement date, the amount in the own funds account shall be automatically debited to pay off the debt.

If the amount deposited is not enough to pay off the minimal payment, all funds deposited shall be used to repay the payment. The outstanding amount will fall in arrears.

If you pay by the card during the period from the 20th to the 31st day of a month, the purchase amount shall be debited, first of all, from your own funds.

If you decide to pay off the debt in full, you can get information about the amount of debt in Smartbank or at the Contact Center.

After depositing the necessary amount to the account, you need to call the Contact Center and inform the employee that you want to pay off the entire debt. A Contact Center employee shall take all the required actions, and the limit amount shall be restored on the card for the amount to be replenished.

You can register in the Smartbank mobile application and check the information on your card online to fully control the funds on the card 24/7.

Bonuses are accrued for purchases:

  • 1% from each purchase;
  • up to 2% bonuses if you have a deposit:
    + 0.3% if you have a deposit from 100, 000 tenge to 499, 999.99 tenge;
    + 0.7% if you have a deposit from 500, 000 tenge to 999, 999.99 tenge;
    + 1% if you have a deposit from 1, 000, 000 tenge to 2, 999, 999.99 tenge;
    + 1.5% if you have a deposit from 3, 000, 000 tenge to 5, 999, 999.99 tenge;
    + 2% if you have a deposit over 6, 000, 000 tenge.
  • + 0.5% for NFC and Apple Pay contactless payments.

You can block a card in the Smartbank account, and by calling the Contact Center at: +7 (771) 000-77-22 (Beeline), +7 (700) 000-77-22 (Tele2/Altel), +7 (702) 000-77-22 (Activ/Kcell).

Unlocking the card is done in Smartbank or at a Bank Outlet. You must have an identity card with you.

Transfers to own accounts:

  • No amount restrictions.
  • Receipt to the account within 15 minutes.

Intrabank transfers:

  • Amount restrictions: 2, 000, 000 per transaction / 5, 000, 000 a day.
  • Receipt to the account: before 3:50 m. — within 15 minutes, after 3:50 p.m. — receipt on the following bank day.

Interbank transfers:

  • Amount restrictions: 2, 000, 000 per transaction / 5, 000, 000 a day.
  • Receipt to the account: within 3 business days. Transfers are accepted round-the-clock, but are executed by the Bank on business days from 9:00 m. till 3:50 p.m.
  • Fee: 0.2% of a transfer amount, minimum 250 tenge.

International in foreign currency:

  • Amount restrictions: 2, 000, 000 per transaction / 5, 000, 000 a day.
  • Receipt to the account: within 3 business days. Transfers are accepted round-the-clock, but are executed by the Bank on business days from 9:00 m. till 3:50 p.m.
  • Конвертация валюты осуществляется по курсу, установленному в банке на момент совершения операции.
  • Fee: 0.3% of a transfer amount.
    USD/EUR/British pound: minimum 5, 000 tenge, maximum 45, 000 tenge.
    RUB: minimum 2, 000 tenge, maximum 30, 000 tenge.

Intrabank transfers:

  • Between one customer’s accounts: 150 tenge.
  • Another bank customer’s account: 0.3% (minimum 650 tenge, maximum 5, 000 tenge).

Interbank transfers:

  • Transfers to other Kazakhstan banks: 0.35% of an amount (minimum 700 tenge, maximum 7, 500 tenge).
  • Transfers to other Kazakhstan banks with future value date: 0.15% of an amount (minimum 300 tenge, maximum 5, 000 tenge).

 

 

 

Money transfer systems without opening the account:

  • Interbank transfer via the Express Transfer system: 3% of an amount (minimum 1, 000 tenge, maximum 75, 000 tenge).
  • Transfer amount: maximum 10, 000, 000 tenge.

Payment of an interbank transfer, received via the Express Transfer system:  free.

Transfers in foreign currency in favor of another Bank customer:

  1. At the sender’s expense: 0.5% of an amount (minimum 6, 000 tenge, maximum 77, 500 tenge).
  2. At the beneficiary’s expense: 0.4% of an amount (minimum 6, 000 tenge, maximum 77, 500 tenge).

The list of documents:

  1. An identity document.
  2. Actual residential address, sender’s contact phone.
  3. Beneficiary info (Full Name, town/city).
  4. Amount transfer.
  5. Country of destination.
  6. Bank details (only for interbank transfers).

Zolotaya Korona transfer

Transfers via Zolotaya Korona can be sent to the following countries:

  • Russia;
  • Uzbekistan;
  • Azerbaijan;
  • Belarus;
  • Moldova;
  • Georgia;
  • Kazakhstan;
  • Kirghizia;
  • Tajikistan;
  • Turkey;
  • China;
  • Czechia;
  • Latvia;
  • Mongolia;
  • Israel.

Transfer to Russia:
1. The maximum transfer amount: 10, 000 USD (equivalent in RUB, EUR).
2. The fee: 1% of a transfer amount.

Transfer to Uzbekistan, Azerbaijan, Belarus, Moldova, Georgia, Kazakhstan, Kirghizia, Tajikistan, Latvia, Czechia, Israel:
1. Maximal transfer amount: up to USD 10, 000 (equivalent in RUB, EUR).
2. The fee: 1.5% of a transfer amount.

Transfer to Turkey:
1. USD: up to USD 200 — USD 3. From USD 201 (not more than USD 10, 000) — 1.5% of a transfer amount.
2. EUR:  up to EUR 200 — EUR 3. From EUR 201 (not more than equivalent of USD 10, 000 in EUR) — 1.5% of a transfer amount.

Transfer to China:
1. USD: up to USD 10, 000 — USD 25  fee.
2. Term of transfer delivery to China — 3 business days.
3. Cancellation, corrections or changes to a money transfer to China within 60 business days — USD 100.

You can set the PIN-code in 2 ways.

Way No. 1:

Setting the PIN-code at +7 777 3333 727

Note! You need to call from a phone number, attached to your card.

When making a call you need to enter the following data:

– The last 4 digits of your card number

– 4 digits of the PIN-code created by you

Way No. 2:

Setting the PIN-code via Smartbank

To set the PIN-code via Smartbank:

– Download the Smartbank app

Logo with the link to play market and app store

– Register in Smartbank

– Choose the card you need to set the PIN-code on

– Choose the PIN-code option

– Enter the 4 digits of the PIN-code chosen by you

You can view the Instruction on How to set the PIN-code via Smartbank

– Download the Smartbank mobile app

Logo with the link to play market and app store

– Register in Smartbank

– Go to Smartbank and select the Transfers tab

– Select the card you wish to transfer money from

– Enter the details of the customer you wish to transfer money to

– Enter the transfer amount and tick to confirm your consent to the transfer terms

– Download the Smartbank mobile app

Logo with the link to play market and app store

– In the unauthorized zone in the Services section the From Card to Card

– Enter your phone number and tick to confirm your consent to the transfer terms

– Provide the details of the card you wish to transfer money from

– Provide the number of the card you wish to transfer money to and the transfer amount

– Transfer fee 0 tenge*

* an additional fee is possible on part of the card issuing bank (of the transfer sender), this information can be found on the website of the issuing bank (of the transfer sender).

Yes, you can pay for certain services via Smartbank.

– Download the Smartbank mobile app

Logo with the link to play market and app store

– Register in Smartbank

– Go to Smartbank and select the Payments tab

– Select the service you wish to pay for

– Select the account for write-off of funds and specify the payment amount

Fill the form and we will add this service.

Thanks for the info!

If all the fields are filled in, the payment function of the required organization will appear in Smartbank more quickly.

In the Smartbank app select “Forgotten your login or password?”.

– Enter your IIN

– Fill in the required fields (payment card, current / savings account or loan agreement number under which you registered) and click “Confirm”.

Done! A text message with login and temporary password to Smartbank is sent to the mobile number provided during registration.

IMPORTANT! The temporary password is valid for 3 days.

When you first log into the app, you will need to change the password.

You can repay your loan via the Smartbank mobile app.

– Download the Smartbank mobile app

Logo with the link to play market and app store

– Register in Smartbank

– Select the loan you wish to repay

– You can redeem a payment from a Eurasian Bank card or card of any other Kazakhstan bank without fee*

* an additional fee is possible on part of the card issuing bank (of the transfer sender), this information can be found on the website of the issuing bank (of the transfer sender).

You can make a loan payment without a smartphone via pay.smartbank.kz or our terminals.  Eurasian Bank terminals addresses

Via pay.smartbank.kz it is possible to repay a loan from any Kazakhstan bank card without fee*

* an additional fee is possible on part of the card issuing bank (of the transfer sender), this information can be found on the website of the issuing bank (of the transfer sender).

Yes, you can make a loan payment via Halyk Bank or Kazpost.

Payment via Halyk Bank or Kazpost is received within 3 business days.

If you have chosen Halyk Bank or Kazpost for your loan repayment, we recommend that you make a payment 3 business days before the repayment date so that the payment is received in time.

You can check the balance outstanding, control the repayment schedule and view other information on your loan in the Smartbank mobile app.

Download and register in the Smartbank mobile app to have easy access to your finances.

Logo with the link to play market and app store

If you do not have a smartphone, you can check the loan debt balance by dialing *979 #.

The inquiry is free.

IMPORTANT! The inquiry should be made from the phone number provided in the loan agreement.

The information on the loan is updated the day after payment.

You can check the overdue debt amount, control the repayment schedule and view other information on your loan in the Smartbank mobile app.

Download and register in the Smartbank mobile app to have easy access to your finances.

Logo with the link to play market and app store

If you do not have a smartphone, you can check the overdue debt amount by dialing *979#.

The inquiry is free.

IMPORTANT! The inquiry should be made from the phone number provided in the loan agreement.

The information on the loan is updated the day after payment.

You can check the monthly payment date and amount, control the repayment schedule and view other information on your loan in the Smartbank mobile app.

Download and register in the Smartbank mobile app to have easy access to your finances.

Logo with the link to play market and app store 

If you do not have a smartphone, you can check the monthly payment date and amount by dialing *979#.

The inquiry is free.

IMPORTANT! The inquiry should be made from the phone number provided in the loan agreement.

The information on the loan is updated the day after payment.

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