When transferring money to a card or account, an IBAN number (also referred to as Iban, Ayban, or IBAN Number) is often required. IBAN stands for International Bank Account Number, and it complies with the ISO 13616 standard, which was developed to standardize interbank settlements worldwide.
If you’re buying a used car, it’s important to make sure it’s “clean” — meaning it has no legal restrictions (encumbrances). What is a lien on a vehicle? It refers to a situation where the owner cannot fully dispose of the car — for example, sell or gift it. A typical example is when the vehicle is pledged as collateral for a loan. Other forms of encumbrance include the car being stolen (under investigation) or seized due to debts.
The coffee business is one of the most popular in Kazakhstan because it's a great way to start your own venture. At the same time, competition in this niche is high, but with a solid business plan, a quality product, and a true passion for coffee, you can generate good profits. However, any food service business is never simple: you’ll only attract clients with high-quality service. Also, don’t set expectations for profit too high — a profitability rate of 30–35% is considered excellent for a coffee shop.
Let’s say you’ve purchased a used car. While the excitement is natural, don’t forget that a few procedures are still ahead — you can’t just get in and drive. One of these steps is vehicle re-registration, which legally transfers ownership to the new owner. From that moment on, all responsibility for the vehicle lies with the buyer.
The production calendar is essential for effectively managing workloads within an organization. It is used by all companies in Kazakhstan when planning their activities for the upcoming year.
In 2025, Kazakhstanis will enjoy a large number of rest days. For a standard five-day workweek, there will be 246 working days (compared to 249 in 2024), and 119 days allocated for weekends and holidays (117 in 2024).
As of July 1, 2024, Kazakhstan has registered 532,980 legal entities and 1,753,485 individual entrepreneurs. Additionally, over 2.2 million people are self-employed. The number of business representatives in each segment is steadily growing. This is due to favorable conditions created in the country: a lenient tax regime, the ability to work officially without a visa, and actively developing digitalization that simplifies most business processes.
What holds back proactive individuals from registering a business? Many face the problem: wanting to start their own business but not knowing what kind. What businesses are currently relevant in Kazakhstan? Let's explore the top business ideas for 2025.
When purchasing goods (from household appliances and electronics to clothing and shoes), different payment options are offered — including installment plans and loans. The essence of both methods is simple: you borrow the required amount from the bank and repay it in parts over a set period. But what exactly distinguishes an installment plan from a loan?
When a person is employed, they receive a salary to cover food, housing, and other needs. But how can one meet their needs after being laid off? In case of job loss, Kazakhstan provides social benefits, regulated by the Social Code. These payments come from a fund formed through monthly contributions. Employers make these contributions, while individual entrepreneurs pay them independently.
A client applying for a loan at a bank may face a rejection. Why is a loan not approved? One of the key reasons is a poor credit history. This term refers to all records about how a borrower fulfilled previous loan obligations: how many loans they took out and for what amounts, whether they made payments on time, and if they had any debts. Based on this information, the bank decides whether the client is trustworthy and can be expected to repay the loan.
When a pregnancy reaches the 30th week (or 28th in case of multiple pregnancies), a woman goes on maternity leave. To provide financial support, she is entitled to several types of payments — a one-time state allowance, a social benefit for income loss, and a child care allowance paid over 1.5 years. But do these benefits apply if the woman is self-employed as an individual entrepreneur (IE)? What benefits are available to pregnant IEs in Kazakhstan? How much money is paid at childbirth?
Investing is considered one of the most popular tools for generating passive income.
However, opinions about investing vary. Some believe it’s complex and requires expertise to make profitable deals. Others argue that it’s as easy as downloading an app and buying assets. Let's break down what investing is and how to start investing money in Kazakhstan.
A letter of credit is one of the possible settlement methods between a buyer and a seller. It represents a bank’s commitment, on behalf of the buyer, to pay the seller a specified amount in an agreed currency, provided that the seller submits documents confirming the shipment of goods or delivery of services.
No matter your preferred vacation style — beach, adventure, sightseeing, or shopping — you can find a destination where Kazakh citizens do not need a visa in 2026. There are many such places: Kazakhstanis can travel visa-free to 39 countries, and in 34 more, a visa can be easily obtained upon arrival at the airport.
Let’s explore the list of popular countries you can visit without a visa as a Kazakh citizen.
The internet is full of anonymous quotes like “Travel is the only thing you buy that makes you richer” or “If travel were free, you’d never see me again.” They reflect one unpleasant truth: traveling costs money — often a lot. But it’s entirely possible to see the world for much less than what tour operators typically offer.
How do you travel on a budget without sacrificing comfort and experience?
From TikTok to Instagram: How to Promote Your Business Online in Kazakhstan TikTok, Facebook, Instagram, and Telegram are often seen as platforms for chatting and viewing media. However, they are powerful tools for online business promotion: social networks gather a solvent audience and rely on advertising algorithms that help grow your brand, expand your customer base, and increase sales.
Where should you advertise your business online? How can you do it effectively?
Businesses that handle cash frequently need to deposit funds into a bank. However, transporting large sums of money can be risky. Cash collection services ensure secure transportation and help maintain the safety of your financial assets.
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