Halyk Bank review

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

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Our verdict

Halyk Bank lends directly in Kazakhstan across personal, secured, car, business, debt consolidation and mortgage lending, which makes it a practical fit for self-employed applicants, military personnel and pensioners who bank there. The trade-off is price: the all-in rate of 28.8% to 45.3% is the main reason to compare elsewhere first.

Key facts

Best for
A direct, app-based loan in Kazakhstan with free early repayment.
APR
28.8% to 45.3% (Source, checked September 26, 2026)
Loan amount
up to KZT 8,000,000 (Source, checked September 26, 2026)
Term
up to 60 months (Source, checked September 26, 2026)
Arrangement fee
From 4% of the loan amount (arrangement fee for refinancing), also offered without fee (Source, checked September 26, 2026)
Funding time
5 minutes for an online loan application in the Halyk app (Source, checked September 26, 2026)
Representative example
No collateral up to 8 000 000 tenge: interest rate 17.5% to 38%, AEIR 28.8% to 45.3% (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Loans to self-employed, military personnel and pensioners (Source, checked September 26, 2026)
Origination fee (%)
0% to 4% (Source, checked September 26, 2026)
Loan types
Personal, Secured, Debt-consolidation, Car, Credit-line, Business (Source, checked September 26, 2026)
Legal entity
JSC Halyk Bank (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Founded
1923 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
halykbank.kz

Mortgages

Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
JSC Halyk Bank (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Founded
1923 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXhalykbank.com

Pros and cons

Pros

  • Lends directly, so the 28.8% to 45.3% range comes from the bank rather than a broker.
  • Early repayment is free, so finishing the loan sooner costs nothing extra.
  • Loan sizes of up to KZT 8,000,000 over a term of up to 60, with personal, secured, car, business, credit line and debt consolidation lending under one roof.

Cons

  • The 28.8% to 45.3% range sits well above the 12.25% median for personal loans across the site.
  • Refinancing loans can carry an arrangement fee of 0% to 4% of the loan amount, though a fee-free version is offered.
  • Support runs on phone and help centre, with no email or live chat listed.
Halyk Bank

Ready to try Halyk Bank?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Self-employed applicants, military personnel and pensioners, the groups the bank names as eligible.
  • Borrowers who want speed, with 5 minutes for an online loan application in the Halyk app for app applications.
  • Homebuyers and movers, since the mortgage line covers purchase and remortgage.

Who should look elsewhere

  • Readers chasing a lower rate band should start with Monzo Flex at 10% to 23%.
  • Anyone who wants an interest-free listing can check Cashspace ES at 0%.
  • Borrowers outside Kazakhstan, since this lender serves a single market.

How Halyk Bank compares

Where Halyk Bank is available

Available
Kazakhstan
Licence in Kazakhstan
AFMRD (Agency for Regulation and Supervision of Financial Market and Financial Organizations of the Republic of Kazakhstan) (1.2.47/230/38/1), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Halyk Bank loan?+

The published all-in rate is 28.8% to 45.3% for uncollateralised borrowing, well above the 12.25% median for personal loans on the site. Borrowing runs to up to KZT 8,000,000 over a term of up to 60.

Are there arrangement fees?+

Refinancing loans can carry an arrangement fee of 0% to 4% of the loan amount, and the same product is also offered with no fee at all. Early repayment adds no charge either.

Is Halyk Bank regulated?+

Halyk Bank is licensed and supervised in Kazakhstan by AFMRD, the Agency for Regulation and Supervision of Financial Market and Financial Organizations of the Republic of Kazakhstan. It has operated since 1923 as a direct lender rather than a broker.

How fast can I get the money?+

Online applications run in the Halyk app, where the stated timing is 5 minutes for an online loan application in the Halyk app. That suits applicants who need cash quickly, though the quick turn-around comes with the wide 28.8% to 45.3% range rather than a cheap headline.

Who can apply?+

The bank names self-employed applicants, military personnel and pensioners as eligible borrowers, and each group applies through the same app-based process, with the same rate range of 28.8% to 45.3% applying.

Does Halyk Bank offer mortgages?+

The mortgage line covers purchase and remortgage, sitting alongside personal, secured, car, business, credit line and debt consolidation loans. As a direct lender, the bank handles the whole range rather than passing it to a broker.

How do I get help?+

Support runs on phone and help centre. There is no listed email address or live chat, so questions about a rate or an application go through the phone line or the help centre instead.

Can I repay the loan early?+

Early repayment is free, so you can clear the balance sooner without an extra charge. That sits alongside a term of up to 60 and a 28.8% to 45.3% range that makes early clearing worth weighing.

Sources

  • halykbank.kz checked September 26, 2026

    Backs: Funding time

    “online loan in 5 minutes, up to 8 000 000 tenge, term up to 5 years”

  • halykbank.kz/en checked September 26, 2026

    Backs: Support channels

    “Call 7111; Halyk Info knowledge base”

  • halykbank.kz/en/about-bank/o-banke checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “August 1923, the first savings bank opens in Aktyubinsk, and this date is the starting point of the history of Halyk Bank”

  • halykbank.kz/en/credit/bez-zaloga checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Lender type, Arrangement fee, Origination fee (%), Representative example, Term, Licences

    “No collateral up to 8 000 000 tenge”

  • halykbank.kz/en/credits/loans checked September 26, 2026

    Backs: Loan types

    “No collateral up to 8 000 000 tenge; Consumer loan; Refinancing; Auto loan; Credit cards”

  • halykbank.kz/retail/ipoteka checked September 26, 2026

    Backs: Purpose

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Halyk Bank

Halyk Bank

A direct, app-based loan in Kazakhstan with free early repayment.

9.1/10See alternatives

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