Bereke Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bereke Bank is a Kazakhstan bank that lends directly, offering a fixed-rate personal loan at 31.02% to 45.5% for home improvement. It suits residents who want to clear a fixed-rate balance early without a charge, and less suits anyone shopping mainly for the lowest rate.

Key facts

Best for
A fixed-rate personal loan taken direct from a licensed Kazakhstan bank, with no arrangement fee and free early repayment.
APR
31.02% to 45.5% (Source, checked September 26, 2026)
Loan amount
KZT 150,000 to KZT 8,000,000 (Source, checked September 26, 2026)
Term
7 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0% of the loan amount (commission starts from 0%) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Online: funds credited to your current account; up to 5,000,000 KZT can be collected in cash at any branch during business hours, above 5,000,000 KZT needs an order at least 2 working days ahead (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age per the bank's requirements; Kazakhstan citizenship or legal right to reside in the country; valid individual identification number (IIN) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Bereke Bank Joint Stock Company (Subsidiary Bank of Lesha Bank LLC (Public)) (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
berekebank.kz

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediat.me

Pros and cons

Pros

  • No origination fee: 0% of the loan amount (commission starts from 0%) on the loan amount, against a market where many lenders add one
  • Early repayment is free, so a fixed-rate balance can be cleared early without paying an exit charge
  • Lends directly rather than through a broker or marketplace, the shape at 72.1% of lenders listed here

Cons

  • APR of 31.02% to 45.5% sits well above the 12% median across lenders listed on the site
  • Lending is limited to personal, so there is no debt consolidation, car finance or credit line offered
  • The credit check is hard, the more demanding kind, and 72.7% of lenders on the site use one
Bereke Bank

Ready to try Bereke Bank?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Kazakhstan who want a personal loan from a licensed bank rather than a broker or marketplace
  • Anyone able to clear a fixed-rate balance early without paying a charge for settling the loan sooner
  • Home-improvement spenders, the stated use for this product, planning a renovation on a budget agreed in advance

Who should look elsewhere

  • Borrowers chasing the lowest rate, since 31.02% to 45.5% runs above the 12% median; Monzo Flex prices at 10% to 23%
  • People needing debt consolidation, car finance or a credit line, as personal is the only lending listed here
  • Anyone outside KZ, where the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (ARDFM) licence stops

The company behind it

Bereke Bank is a joint stock company and a subsidiary bank of Lesha Bank, headquartered in Kazakhstan. It holds a licence from the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (ARDFM) and lends as a direct lender rather than an intermediary. Support runs across phone, email and chat, so help is reachable by phone, email, chat, a help centre or a community.

How Bereke Bank compares

Where Bereke Bank is available

Available
Kazakhstan
Licence in Kazakhstan
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (ARDFM) (3.3.255/47), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Bereke Bank charge on a personal loan?+

The stated APR runs 31.02% to 45.5% on the online personal credit, which is the headline cost of the loan and sits above the 12% median across lenders on the site. Nothing is added for taking the loan out, since the origination fee is 0% of the loan amount (commission starts from 0%).

Is there an arrangement or origination fee?+

The commission is 0% of the loan amount (commission starts from 0%), so nothing is added to the cost of taking the loan out. Pricing is fixed for the whole term, and early repayment is free, so settling the balance ahead of schedule carries no charge.

How much can I borrow, and for how long?+

Loan amounts run KZT 150,000 to KZT 8,000,000 and terms run 7 to 60. The product is a personal loan aimed at home-improvement spending with fixed pricing. Funds are credited online to your current account.

What credit check does applying involve?+

The application uses a hard credit check, the more demanding kind seen across lenders, which matters if you plan to apply elsewhere soon after. Most lenders here do the same, 72.7% of them by share.

Who regulates the bank and who can apply?+

Bereke Bank is licensed by the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (ARDFM) and sits in Kazakhstan. Applicants must be adults at a minimum age set by the bank, hold citizenship or a legal right to reside there, and have a valid individual identification number.

Is early repayment penalised?+

Free early repayment is offered, so clearing part or all of the balance early carries no charge. With a fixed rate held over the term of 7 to 60, the total cost stays predictable, and changing income is easier to handle.

How is the money paid out?+

Online, funds are credited straight to your current account. Cash can also be collected in a branch during business hours, though larger sums need an order placed ahead, so a big draw on KZT 150,000 to KZT 8,000,000 should be arranged in advance.

Sources

  • berekebank.kz/kz/about/requisites checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Ағылшын тіліндегі атауы: Bereke Bank Joint Stock Company (Subsidiary Bank of Lesha Bank LLC (Public))”

  • berekebank.kz/kz/personal/credits/onlinecredit checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Support channels, Term, Use cases

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Bereke Bank

Bereke Bank

A fixed-rate personal loan taken direct from a licensed Kazakhstan bank, with no arrangement fee and free early repayment.

9.2/10See alternatives

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