# Halyk Bank: Non-Resident Accounts and the Premium Tier > Opening a Halyk Bank account as a non-resident: in-person only, one card for 12 months, Halyk Premium thresholds and Russia-related compliance. July 2026. Author: Алёна Дунаева — юрист, Family Office (https://wiki.private.law/authors/dunaeva) Last modified: 2026-07-16T09:18:00.000Z Canonical: https://wiki.private.law/en/halyk-bank Topics: banking Jurisdictions: kazakhstan Semantic tags: personal-banking, corporate-banking --- Halyk Bank is Kazakhstan's largest bank and its main universal player: retail, corporate, investment products. For a non-resident Halyk is more conservative than Kaspi at onboarding, but it offers what Kaspi deliberately does not — a full premium tier: Halyk Premium and Halyk Private. Data as of July 2026. ## Onboarding for non-residents An account and card are opened [in person only](https://halykbank.kz/en/knowledge_base/752); opening via power of attorney is expressly excluded. The document set: passport, IIN (the Kazakh tax number) and an application form stating the purpose of the account. The IIN is issued in person at a public service center — remote issuance ended in 2024. The practical cap: a non-resident gets [no more than one card, valid 12 months](https://bank.kz/debit-cards/karta-dlya-nerezidentov/) — a reflection of ARDFM Resolution No. 96, which [limits non-resident cards to one year](https://www.interfax.ru/business/1002832). The account keeps working after the plastic expires; funds are not frozen. > 🍓 Halyk opens non-resident accounts strictly in person and issues one card for 12 months. The reason to bother is the premium tier: entry starts at a KZT 10 million deposit. ## Halyk Premium and Halyk Private [Halyk Premium](https://halykbank.kz/en/premium) brings a dedicated manager, safe deposit boxes and investment products; Halyk Private sits above it for larger capital. Under the tariffs in effect in 2024–2025 ([Digital Business review](https://digitalbusiness.kz/2024-05-20/vibiraem-premialnuyu-bankovskuyu-kartu-v-kazahstane/)): | Product | Fee | Waiver condition | | --- | --- | --- | | Premium debit cards | — | deposit from KZT 10 mln | | Visa Signature | KZT 3,500/mo | spend from KZT 530k/mo or KZT 45 mln balance | | Mastercard World Elite | KZT 5,000/mo | spend from KZT 500k/mo or KZT 45 mln balance | Thresholds get revised — worth re-checking on the [Premium page](https://halykbank.kz/en/premium) before a visit. For comparison, [ForteBank's](https://wiki.private.law/en/forte-bank) Solo package starts at a KZT 4 million deposit — a lower bar with a simpler proposition. ## Sanctions aspect Halyk is among the banks running enhanced compliance on Russia-related flows: SWIFT from sanctioned Russian banks mostly does not arrive, large amounts trigger source of funds checks, crediting takes 3–5 days or longer. It is a filter, not a ban: the National Bank of Kazakhstan [confirmed publicly](https://ria.ru/20250220/kazahstan-2000477373.html) that non-resident funds are not being blocked and the only restriction is the card term. Funding routes from Russia are mapped in the [Kazakhstan payment route](https://wiki.private.law/en/collect-pay-kazakhstan-route) piece. ## Who it is for Halyk is the anchor bank for a client settling in Kazakhstan long-term: with a [residence permit](https://wiki.private.law/en/kazakhstan-residence), a deposit and a need for a personal manager. For daily payments a [Kaspi](https://wiki.private.law/en/kaspi-bank) card will still be needed — the country's payment rails run through it. It is not for remote openers or anyone needing a multi-card setup: one card per non-resident. ## FAQ ### **Can a Halyk account be opened via power of attorney?** No — the bank expressly excludes it for non-residents. Personal visit with passport and IIN only. ### **How many cards does a non-resident get?** One, valid 12 months; the plastic is then reissued while the account continues uninterrupted. ### **What does Halyk Premium include?** A personal manager, safe deposit boxes, investment products and premium cards — free from a KZT 10 million deposit (2024–2025 tariffs; verify on the bank's site). ### **Do transfers from Russian banks arrive?** From sanctioned ones — generally no; from others — yes, with source-of-funds checks and 3–5 day crediting. --- ## FAQ ### Can a Halyk account be opened via power of attorney? No — the bank expressly excludes it for non-residents. Personal visit with passport and IIN only. ### How many cards does a non-resident get? One, valid 12 months; the plastic is then reissued while the account continues uninterrupted. ### What does Halyk Premium include? A personal manager, safe deposit boxes, investment products and premium cards — free from a KZT 10 million deposit (2024–2025 tariffs; verify on the bank's site). ### Do transfers from Russian banks arrive? From sanctioned ones — generally no; from others — yes, with source-of-funds checks and 3–5 day crediting. --- ## Factual claims - The practical cap: a non-resident gets no more than one card, valid 12 months — a reflection of ARDFM Resolution No. - Halyk is among the banks running enhanced compliance on Russia-related flows: SWIFT from sanctioned Russian banks mostly does not arrive, large amounts trigger source of funds checks, crediting takes 3–5 days or longer.