Phone and Internet fraud cases are increasing in Kazakhstan. To protect yourself and your finances, it is important to follow basic security rules: verify information only through official sources, do not fulfill requests from strangers over the phone or online, use strong passwords and two-factor authentication, and regularly update apps and your gadgets’ system.

If you get scammed, immediately contact the police by calling 102 or via qamqor.gov.kz website in the “File a police report” section. You should also block your card through your banking app or by contacting your Bank’s Call Center. Additionally, you can call the unified helpline at 116.

Fraudsters often pose as employees of banks, police, or other organizations, send fake messages on behalf of government services and stores, create fake online stores, and offer “profitable investments”. Please remember: the official authorities never request codes, passwords, or conduct investigations over the phone.

You can learn more about new fraud schemes on the official Instagram page of the Cybercrime Counteraction Department (@cybercrime.kz).

How to protect yourself from scammers, learn more at the link

Bank CenterCredit informs about important changes in the RoK legislation aimed at protecting against financial fraud.



What will change from September 2025
As part of the fight against financial crimes in Kazakhstan, criminal liability is being introduced for illegally transferring access to bank accounts, cards and mobile applications of the bank to third parties. Exceptions are: transactions between spouses and close relatives. Amount of punishment: from a large fine to 5 years of imprisonment with confiscation of property. Facilitators of fraudulent schemes face restriction or imprisonment for a term of 3 to 7 years.

How fraudulent schemes work
Criminals actively recruit citizens through social networks and instant messengers, offering «easy money» for using bank details. Victims of such offers, called «droppers», often do not realize that they are becoming accomplices to crimes. As the National Bank warns, such schemes cause serious damage to the country's financial system and undermine citizens' trust in banking services.


Typical offers from fraudsters:

• «I'll rent out a card for 50,000 tenge»
• «People needed for cashing out»
• «Earnings from banking operations»

Financial security tips from Bank CenterCredit

Never give to third parties:

• Bank cards and their details
• PIN codes and passwords for mobile banking
• Access to banking applications
• СМС codes for confirming transactions

Signs of fraud:

• Offers of «easy money» through banking operations
• Requests to «help with transfers» for a fee
• Offers to use your account for someone else„s «business»

If suspicious transactions are detected:

1. Immediately block the card via the bank„s Call Center/mobile application
2. Contact law enforcement agencies
3. Notify the bank about fraudulent transactions
4. Save all documentation and correspondence

Remember: bank representatives never request:

• Codes from СМС messages
• Money transfers to «safe accounts»
• Transfer of bank data to third parties

Bank CenterCredit cares about the financial security of its clients and calls for vigilance when working with banking products.

Тhe Rahmet deposit in US dollars is also available to our customers for a 13-month term.

The deposit can be opened via the bcc.kz mobile app or at the Bank branch. Follow the link for the Terms and Rates.

Hereby, JSC Bank CenterCredit JSC informs that it has taken into account the notification of Central Securities Depository (No. 23-27/13969 dated 29.10.2026) on the redemption in the accounting system of the Central Depository of the first bond (ISIN KZ2C00006062) issue within the second bond program of JSC SB "Alfa-Bank," for which JSC "Bank CenterCredit" serves as the legal successor with respect to its obligations.

Earned Wage Access, a new partner service, is now available to Bank CenterCredit customers as part of the payroll card program.

The service is available to payroll card program participants. Existing customers can simply submit an application to activate the service at:
https://www.bcc.kz/kz/business/ewa/

For businesses, the service helps streamline accounting and HR processes: settlement with the company is made once a month, and transactions can be automatically reflected in 1C. There is no fee for the company to connect the service, and employees pay no interest.

Employees gain access to their earned wages on any day, and the available advance amount is displayed when they submit a request. This means they no longer have to wait for payday and can access their earned funds whenever needed.

How to connect the service? To use the service, join the payroll card program today by submitting an application via the following link: https://online.bcc.kz/salaryProject?utm_source=google&utm_medium=organic

From 1 November to 31 December 2026, withdraw cash in Russian Rubles from a business customer’s account with no fee.

The offer is available to both existing and new customers.

You can withdraw cash at the cash and settlement unit of any Bank branch.

Bank CenterCredit JSC extends the promotional tariff for cash withdrawals in Russian rubles from individuals’ current and savings accounts.

The promotional period is valid through December 31, 2026, inclusive.

For more information about the terms and tariffs, please call 505.

From 1 January 2027, Bank CentreCredit will update its tariffs for transfers to other banks within Kazakhstan made using a phone number for certain card products.

For premium cards, the conditions remain unchanged, and transfers will continue to be available free of charge.

For other cards, the following limits will apply to fee-free transfers:

• #bccpay 2.0 — up to 700,000 tenge per month with no fees, and for amounts exceeding this limit, 1% of the transfer amount, with a minimum of 250 tenge;
• # UlkengeQurmet, #GoldCard, Social/Alimony card — up to 300,000 tenge per month with no fees, and for amounts exceeding this limit, 1%, with a minimum of 250 tenge;
• Visa Silver ZP ENU — up to 500,000 tenge per month with no fees, and for amounts exceeding this limit, 1%, with a minimum of 250 tenge;
• #kartakarta — transfers of personal funds up to 300,000 tenge per month with no fees, and for amounts exceeding this limit, 1%, with a minimum of 250 tenge. The fee for transferring loan funds remains unchanged at 4%;
• #180 — transfers of personal funds up to 300,000 tenge per month with no fees, and for amounts exceeding this limit, 1%, with a minimum of 250 tenge. The fee for transferring loan funds remains unchanged at 3,9% + 390 tenge.

The new terms and conditions will come into effect on 1 January 2027. We recommend that you take the updated limits into account when making transfers.

Hereby Bank CenterCredit JSC announces that, in accordance with the terms of the ALBNb5 bond issue (ISIN KZ2C00006062, market "Main", category "Bonds"), the bonds were redeemed on October 28, 2026, including the last 14th coupon payment.

The principal amount is 4 503 656 000,00  (four billion five hundred three million six hundred fifty-six thousand) tenge 00 tiyn, the 14th coupon payment is 242 071 510.00 (two hundred forty-two million seventy-one thousand five hundred ten) tenge 00 tiyn.

Hereby Bank CenterCredit JSC informs that on October 28, 2026, the coupon interest on bonds CCBNpp3 (KZ2C00016202) was paid.

The total amount of coupon interest paid was 9 500 000 000,00 (nine billion five hundred million) tenge 00 tiyn.

Уважаемые акционеры АО «Банк ЦентрКредит» !

Акционерное Общество «Банк ЦентрКредит», находящееся по адресу: A25D5G0, г. Алматы, Медеуский район, пр. Аль – Фараби, 38, уведомляет о проведении 25 ноября   2026 года в 10 часов, по инициативе Совета директоров (Постановление  Совета директоров №1022/1 от 22.10.2026г.),  внеочередного общего собрания акционеров в очной форме, посредством Zoom конференции.

Регистрация участников внеочередного общего собрания акционеров начинается в 9 часов 30 минут местного времени.

Список акционеров, имеющих право на участие во внеочередном  общем собрании акционеров АО «Банк ЦентрКредит», будет составлен на основании данных реестра держателей акций АО «Банк ЦентрКредит», предоставленных АО "Центральный депозитарий ценных бумаг" по состоянию на 22 октября 2026 года.

Повестка дня:

1. О намерении АО «Банк ЦентрКредит» получить лицензию на осуществление исламских банковских операций.

2. О внесении изменений и дополнений в Устав АО «Банк ЦентрКредит».

3. О назначении кандидатур членов Совета по принципам исламского финансирования АО «Банк ЦентрКредит».

Акционеры могут ознакомиться с материалами по вопросам повестки дня внеочередного общего собрания акционеров, начиная с   15 ноября 2026 года в АО «Банк ЦентрКредит» с 9 до 18 часов по адресу: г. Алматы, Медеуский район, пр. Аль – Фараби, 38. При себе необходимо иметь документ, удостоверяющий личность. При наличии запроса акционера материалы будут направлены ему в течение трех рабочих дней со дня получения запроса, но не ранее вышеназванной даты.

В случае отсутствия кворума повторное внеочередное общее собрание акционеров будет проведено 27 ноября 2026 г. в 10 часов в очной форме, посредством Zoom конференции.

В соответствии с пунктом 1 статьи 52 Закона Республики Казахстан от 13 мая 2003 года № 415-II «Об акционерных обществах» (далее – Закон об акционерных обществах), протокол внеочередного общего собрания акционеров должен быть составлен и подписан в течение трех рабочих дней после закрытия собрания.

Внеочередное общее собрание акционеров проводится в соответствии со статьями 36–37, 39–48, 50–52 Закона об акционерных обществах, а также согласно норм действующего Устава АО «Банк ЦентрКредит».

По всем интересующим Вас вопросам просьба обращаться по телефону 7 (727) 259 85 18

At the end of 2026, Bank CenterCredit scored 78 out of 100 in the international S&P Global Corporate Sustainability Assessment (CSA). Compared to 2025, the score increased by 3 points, and by 17 points since 2024.

The improved score reflects the development of responsible financing, increased access to financial services, and stronger environmental and social responsibility. Key focus areas include financial inclusion, information security, business ethics, environmental and social risk management, as well as the implementation of the Climate Strategy and the development of green financing.

The Bank’s approach to sustainable development is set out in its Climate Strategy for 2025–2050, Green Financing Policy, Sustainable Development Policy, and Environmental and Social Risk Management Policy. These documents define the principles for integrating ESG factors into business processes and decision-making.

In 2026, the Bank also published its third Sustainability Report, covering the results of 2025. The report was prepared with reference to the international GRI, SASB, and IFRS S1/S2 standards and, for the first time, includes an assessment of the socio-economic impact of the Bank’s activities on Kazakhstan’s economy.

S&P Global CSA is an annual assessment of companies’ environmental, social, and governance practices on a scale of 0 to 100 points. It enables companies’ approaches to ESG factor management and information disclosure to be evaluated.

The full 2025 Sustainability Report is available on the official Bank CenterCredit website.

Dear Customers!

JSC Bank CenterCredit hereby notifies that starting from 16 October 2026, interest rates on newly attracted national currency retail deposits “Moya Tsel” will change.

On 25 September, as part of the Kazakhstan-China Investment Forum, Bank CenterCredit and Hong Kong-based Corporation Sunwah Group signed the Memorandum of Cooperation. The document formalizes the parties’ intention to develop joint initiatives in the financial, investment, and project-related areas.

The signing was preceded by a roundtable discussion held jointly with Sunwah Group on 24 September at the Bank’s Head Office. 42 representatives of businesses and financial institutions from China and Hong Kong attended this event. Guests were introduced to BCC Group, its key areas of business, and the Group’s companies: BCC Invest, Nomade Invest, BCC Project, and ODEPT. A key highlight of the event was the presentation by Li Xihuan (Larry Li), Managing Director of HKEX, who proposed integrating Kazakhstan’s gold into Hong Kong’s clearing infrastructure and creating a gold-backed digital instrument for cross-border settlements. Additionally, Sunwah Group Chairman Jonathan Choi noted the importance of further developing cooperation between the companies and expressed readiness to implement joint initiatives.

The partnership with Sunwah Group serves as a bridge between BCC Group and the business and financial communities of China and Hong Kong, creating new opportunities for joint projects across Asian markets.

Background Information

Jonathan Choi (Tsai Kwan-shin), Chairman of Sunwah Group, is a prominent Hong Kong businessman and public figure. He serves as Chairman of the diversified international conglomerate Sunwah Group, Chairman of the Chinese General Chamber of Commerce in Hong Kong, and Standing Committee Member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC).

Save for major building repairs while earning interest with a special deposit designed for residential property management companies offering an interest rate of 7.5% (AEIR: 7.76%).

• Minimum deposit amount: KZT 1,000
• Deposit term: open-ended.
• Additional contributions: unlimited.
• Partial withdrawals: only subject to the availability of Minutes of the Homeowners' Meeting (upon request of the Home Council).
• Interest rate: 7.5%.
• Interest payment: added to the deposit amount (interest capitalization).

Deposit Closure: closed upon the application of the management company, subject to the availability of Minutes of the Homeowners' Meeting. If the deposit is closed within one calendar month from the date the funds are credited, no interest shall be paid. If the deposit is closed after one calendar month from the date the funds are credited, interest shall be paid at the interest rate applicable at the time of deposit closure.

Note: income tax shall be withheld from the interest earned in accordance with the laws of the Republic of Kazakhstan.

We’ve updated the calculation logic for accessing the Supreme and Supreme+ privileges for #IronCard holders. The terms are now clearer and easier to meet. 

To gain access to Supreme and Supreme+ privileges, you now only need to meet one of the subscription requirements for 3 consecutive months, without being tied to quarters. 

1.    Supreme Privileges 

The Supreme privilege tier includes unlimited access to DragonPass airport business lounges worldwide and 6 visits per year to the VIP Lounge in Astana, with your two guests. To qualify for Supreme, simply meet one of the following requirements: 

•    Make monthly purchases of ₸3 mln to ₸5 mln in local currency or its equivalent for 3 consecutive months 

•    Maintain a daily balance of at least ₸500,000 in your KZT-denominated accounts for 3 consecutive months 

2.    Supreme+ Privileges 

The Supreme+ privilege tier includes unlimited access to DragonPass airport business lounges worldwide and 10 visits per year to the VIP Lounge in Astana with your three guests, instead of 6 visits. To qualify for Supreme+, simply meet one of the following requirements: 

•    Make monthly purchases of at least ₸5 mln in local currency or its equivalent for 3 consecutive months 

•    Maintain a daily balance of at least ₸1 mln in your KZT-denominated accounts for 3 consecutive months  

Learn more 

The official website of the Anti-Fraud Center of the Republic of Kazakhstan, antifraud.kz, has been launched for citizens and organizations in Kazakhstan. The portal provides information on fraud, methods of protection, and the steps to take when suspicious situations arise.

What information is available on the website?

Users can learn about the activities of the Anti-Fraud Center of the Republic of Kazakhstan, including its objectives, functions, and anti-fraud measures, as well as common and emerging fraud schemes, and ways to identify and prevent them.

The website also offers recommendations on protecting funds and personal data, guidance on what to do if you encounter fraud, information on where to seek assistance, reference and educational materials, answers to frequently asked questions, and information on relevant legislation.

Check Your Information

The website allows users to complete biometric identification and check whether information about them is stored in the Anti-Fraud Center’s information systems. Such checks may be performed no more than once within a 24-hour period. If relevant information is found, users can learn about the next steps and the available mechanisms for resolving the situation.

Ask Froddy a Question

Froddy, an AI-powered assistant, provides informational guidance on fraud and digital security, and explains what actions to take in the event of an incident.

Useful Services in One Place

The portal brings together links to government and industry resources where users can verify websites and organizations, obtain information about their credit history, and access materials on financial literacy and digital security.

Stay Vigilant and Protect Your Data

Before completing any financial transactions, always verify the information and never share SMS codes, passwords, or other confidential information with third parties.

The Anti-Fraud Center also welcomes suggestions and recommendations from users regarding further development of the website, expansion of its functionality, improvements to the user experience, and updating its content with relevant materials.

For more information about the Anti-Fraud Center’s capabilities, please visit the official website at antifraud.kz.

In accordance with the current requirements regarding the maximum number of payment cards per cardholder, please be informed that the #BusinessCredit card is not counted towards the customer’s card limit.

This means that you can apply for a #BusinessCredit business credit card even if you already have four cards issued by Bank CenterCredit.

Accordingly, the following Bank CenterCredit card products are excluded from the card limit calculation:
— #bccjunior
— social card
— #businesscredit

The “4 cards per customer” limit continues to apply to:
— standard and premium debit cards
— credit cards
— pension cards
— business cards (excluding #BusinessCredit)

💼 #BusinessCredit gives entrepreneurs greater financial flexibility to purchase the goods and services their businesses need.

For more information about the #BusinessCredit card, please visit the Bank CenterCredit website, contact the Bank branches or your dedicated relationship manager.

We value your time and continue to make Bank CenterCredit’s services even more convenient for entrepreneurs. A new feature is now available for existing merchant acquiring customers in the bcc.business partner account (in the BCC Business web-based version and mobile app).

If your business needs an additional POS terminal, there is no longer any need to visit a bank branch or wait for a manager. You can now submit a request completely online in just a few clicks.

How does it work? You can choose between two convenient options:

• Add a new POS terminal under your existing contract.
• Open a new contract under the Bank’s current tariffs.

The entire process is fully automated. Simply log in to the bcc.business website or mobile app, select the required option in the Merchant Acquiring section of your partner account, and submit your request. Scale your business while leaving paperwork and branch visits in the past.

Теперь вы можете заключать форвардные сделки онлайн — в новой версии приложения bcc business.

Форвард позволяет заранее зафиксировать курс, сумму и дату валютной операции. Такой инструмент помогает снизить риски, связанные с изменением валютного курса, и заранее планировать расходы по международным контрактам.

Основные условия:

• валютные пары: USD/KZT, EUR/KZT, RUB/KZT;
• сумма сделки — от 100 000 до 50 000 000 долларов США в эквиваленте;
• срок — от 1 недели до 1 года;
• залоговое обеспечение — 10% от суммы сделки;
• без комиссии.

Форвардные сделки позволяют заранее зафиксировать валютный курс и снизить влияние рыночной волатильности, сокращая риск непредвиденных расходов по международным контрактам. Оформление проходит полностью онлайн, без скрытых комиссий, а при необходимости клиенты могут получить квалифицированную поддержку специалистов банка.

Dear Entrepreneurs!

The promotional offer with a zero fee for BCC QR payments has officially become a permanent tariff. Now, a 0% fee for intrabank QR payments is here to stay, with no time limits and hidden conditions.

Benefits for your business:

• Savings: Enjoy a permanent 0% fee, so 100% of your revenue stays with you.
• Lower costs: No acquiring costs for intrabank payments.
• Customer convenience: A fast and secure contactless payment method through the BCC.KZ app

Find out more at bcc.kz website or in the BCC Business app.

Connect acquiring services from Bank CenterCredit and accept payments with maximum benefits for your business!

October is the season of warm gatherings, celebrations, and, of course, Teachers’ Day. Flowers and sweets are among the most sought-after purchases during this time. To help your business maximize revenue during this busy period, we are launching a new promotional offer!

Throughout October, accept card payments without extra costs: Bank CenterCredit is reducing the acquiring fee to 0% for florists and confectionery businesses.

Who is eligible?

This promotion is available to all merchants, both new and existing, operating under the following MCC codes:

• 5992 — Florists
• 5441 — Confectionery Stores

Your Benefits:

• 0% fee for payments accepted via POS terminals and BCCPAY.
• Higher profits during the peak autumn holiday season.
• Convenient payment acceptance from customers using cards issued by any bank.

Connect a POS terminal or BCCPAY today and make this October your most profitable month yet!

 This promotion is valid from 1 October 2026 through 31 October 2026. It applies to transactions made using Bank CenterCredit cards and cards issued by other banks.

Hereby Bank CenterCredit JSC announces that on September 25, 2026, the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market registered:

• the 2st bond issue under the 5th bond program (ISIN KZ2C00020329) with a nominal value of 1,000 (one thousand) tenge, a total volume of 100,000,000,000 (one hundred billion) tenge, and a maturity of 4 years;
• the 3st bond issue under the 5th bond program (ISIN KZ2C00020337) with a nominal value of 1,000 (one thousand) tenge, a total volume of 100,000,000,000 (one hundred billion) tenge, and a maturity of 5 years;
• the 4st bond issue under the 5th bond program (ISIN KZ2C00020345) with a nominal value of 1,000 (one thousand) tenge, a total volume of 100,000,000,000 (one hundred billion) tenge, and a maturity of 6 years;
• the 5st bond issue under the 5th bond program (ISIN KZ2C00020352) with a nominal value of 1,000 (one thousand) tenge, a total volume of 100,000,000,000 (one hundred billion) tenge, and a maturity of 7 years.