Dear Customers,

Please be advised that changes to our cash transaction tariffs will take effect on 6 April 2026:

Item 8.2.1. RUB withdrawal – 5%

Please take these updated terms into account when planning and conducting your transactions.

Thank you for your cooperation.

Dear customers! 

JSC “Bank CenterCredit” (the Bank) hereby takes this opportunity of expressing deepest respect and thanking for your confidence in the Bank .

This notice is addressed to customers who are legal entities (their branches and representative offices), individuals engaged in entrepreneurial activity, advocacy, private notary activity, private enforcement officer activity, professional mediator activity, as well as peasant (farmer) farms without formation of a legal entity (the Customers).

In accordance with paragraph 1 of Article 28 of the Law of the Republic of Kazakhstan “On Payments and Payment Systems” (the Law) closing of the customer’s bank account shall be made at the customer’s request or independently by the bank, in cases of termination or refusal to perform the Bank Account Agreement or Bank Deposit Agreement  in the manner provided for by Article 29 of the Law. Pursuant to subparagraph 1) of paragraph 1 of Article 29 of the Law, the bank shall have the right to refuse to perform the Bank Deposit Agreement (close a bank account) in case of lack of money in the customer's bank account for more than 1 (one) year.  Paragraph 7 of Article 29 of the Law stipulates that in the event of lack of money in the customer's bank account, the bank shall terminate the Bank Account Agreement or Bank Deposit Agreement and close the bank accounts  upon expiry of 3 (three) months from the date of notice of refusal to perform the Bank Account  Agreement or Bank Deposit Agreement.

The Bank notifies you about closing of bank accounts (refusal to perform the above-mentioned agreements), that have a zero balance for the period exceeding the last 12 (twelve) months and that will have no balance of money in the next 3 (three) months from the date of this Notice. At the same time, the fee for current accounts maintenance and closing is to be debited in accordance with the Bank’s tariffs. In case of disagreement with the termination of the business relations, please notify the Bank in writing or make a transfer operation (i.e. payment and (or) transfer) on the current account or top up the bank deposit.

Respectfully,

JSC “Bank CenterCredit”  

Date of this Notice:  ___ _________ 202___ .

From 20 April 2026, new tariffs will apply to account maintenance for personal customers, also to the issuance of certificates for bank accounts, current balances, and account/deposit transaction history upon the customer’s request.

For more information about the tariffs, please call 505 or visit our website: https://www.bcc.kz/en/personal/tariffs/

You no longer need to wonder where it is. Our bank offers the SWIFT GPI service for tracking incoming payments.
Enter the UETR code and get the payment route:

• the current stage of the payment
• where the payment is currently being processed

Track incoming payments from foreign counterparties via the BCC Business app.

Starting from 1 April, our bank is launching a promotion for customers who apply for a cash loan or refinancing with BCC Life insurance.

For three months, the promotion participants will have the chance to win gold bars.

Prizes:
1st month – 3 gold bars of 5 grams each
2nd month – 3 gold bars of 5 grams each
3rd month (final) – gold bars of 5, 10, and 20 grams

To participate, apply for a cash loan or refinancing with BCC Life insurance between 1 April and 30 June. The giveaway results will be announced on the centercreditkz Instagram page on 20 May, 19 June, and 20 July.

Promotion Rules

SmartGas hereby informs of the upcoming changes to the Smart Fuelling service terms.

Starting from 1 April 2026, a monthly subscription fee will be applied for maintaining driver accounts connected to the service.

The subscription fee amounts to KZT 2,000 per month for each active driver.

An active driver is defined as a driver who is registered in the Smart Fuelling service and is not in a blocked status.

The first charge will be made on 1 May 2026 for the service usage in April.

Subsequent charges will be made on the 1st day of each month.

The subscription fee will be charged in full, even if the driver has not refueled during the month.

We recommend to verify the list of drivers in the Smart Fuelling personal account by 1 April 2026, and block those drivers who do not use the service in order to avoid unnecessary charges.

As of “April” 06, 2026, new tariffs apply to cash operations in rubles on current and savings accounts of individuals.

For more details on tariffs, call 505 or visit our website: https://www.bcc.kz/en/personal/tariffs/ 

Уважаемые акционеры АО «Банк ЦентрКредит»!

Сообщаем об итогах голосования на годовом общем собрании акционеров, состоявшемся 18 марта 2026 года. Присутствовали акционеры и их представители, владеющие 157 181 711 голосующими акциями, что составляет 89,4 % от общего количества голосующих акций общества.

ИТОГИ ГОЛОСОВАНИЯ

Акционерами принято решение утвердить следующий порядок распределения чистого дохода АО «Банк ЦентрКредит» за 2025 год:

• Не выплачивать дивиденды по простым акциям за 2025 финансовый год.
• Чистый доход за 2025 год в сумме 240 194 млн теңге оставить на счете «Нераспределенная чистая прибыль (непокрытый убыток) прошлых лет».

With effect from 1 April 2026, Bank CenterCredit is updating its tariffs applicable to retail customers for financing terms modification. The updated tariffs will apply to new loans issued starting from 1 April 2026. For loans disbursed before 1 April 2026, the previously set tariffs will remain in effect.

The changes apply to the following transactions:

- payment deferral;

- loan term modification;

- payment type modification;

- repayment date change.

The current tariffs and general terms and conditions can be found in the Tariffs section.

For convenient loan management, we recommend using our bcc.kz mobile app.

We appreciate your trust and cooperation!

Now use #IronCard and #TravelCard to pay for car rentals worldwide instead of #rentacar. We’ve expanded the functionality of #IronCard and #TravelCard. One card for everything – enjoy the convenience of your card.

Like other cards, your #rentacar will be closed if it remains inactive for 12 months.

As of “April” 01, 2026, new tariffs apply to cash operations in rubles on current and savings accounts of individuals.

For more details on tariffs, call 505 or visit our website: https://www.bcc.kz/en/personal/tariffs/ 

Bank CenterCredit has become a laureate of the annual Kazakhstan Stock Exchange (KASE) Annual Reports Competition in the category “Best Sustainability Report 2024 in the Financial Sector.”

The high recognition from the professional community confirms Bank CenterCredit’s systematic work to enhance transparency, quality of disclosure, and consistent integration of sustainability principles and ESG approaches into the bank’s business processes.

The competition is held annually by KASE and aims to improve the quality of non-financial and ESG reporting among companies whose securities are traded on the exchange. Its goal is to recognize organizations demonstrating high transparency, completeness of disclosure, and commitment to best corporate governance practices.

Participants’ reports are evaluated by independent experts and professional community representatives based on several criteria, including quality of ESG information disclosure, reporting structure, data completeness, and compliance with international practices. Bank CenterCredit’s 2024 report demonstrated consistent progress in key ESG areas, including development of “green” financing, climate risk management, corporate governance improvement, and strengthening of social agenda.

“This award is not just recognition of the work we have done, but also an additional incentive to continue developing. We continue to improve sustainability management practices, enhance performance indicators, and strengthen ESG integration into the bank’s strategy,” said Chief Sustainability Officer of Bank CenterCredit JSC, Arnur Ibraev.

The 2024 report is available on the bank’s official website.

Based on the scheduled audit results, by the end of March, Bank CenterCredit will debit a fee of KZT 50,000 from the accounts of the AIFC resident customers who opened accounts with Bank CenterCredit in 2025. The fee was not debited due to a technical error. We apologize to our customers and kindly request to ensure that the required amount is available in your accounts to avoid any outstanding balance. 

We are elevating your travel experience by adding benefits that matter most when travelling with your family.

Enjoy complimentary guest access to DragonPass airport lounges worldwide, Fast Track International access, and airport transfers in Almaty and major airports across Turkey for the whole family. Exclusively for Bank CenterCredit customers. In partnership with Visa.

Launching soon. Start making purchases now to unlock travel benefits for your next trip.

Learn more

Don’t have a premium card from Bank CenterCredit yet? Get the best terms by applying for a premium card today.

• #IronCard
• #TravelCard
• #businessprime

Bank CenterCredit has participated in the implementation of the National Project “Modernisation of the Energy and Utilities Sectors” (MEKS), supporting a power supply initiative in Shymkent. 

 JSC Kazakhstan Housing Company (a subsidiary of JSC National Investment Holding Baiterek) approved the subsidization of the loan in the amount of KZT 2.5 bln with Ontustik Zharyk Transit LLP acting as the borrower. The project is being implemented with the support of Bank CenterCredit. 

As part of the project, 35 kV and 0.4 kV overhead power transmission lines will be reconstructed, significantly enhancing the reliability of electricity supply for city residents. 

The project is being implemented under a loan subsidization mechanism designed for second-tier banks that provide financing to private subjects of natural monopolies. Bank CenterCredit serves as a bridge between government programmes and businesses, ensuring that private enterprises have access to infrastructure financing.

Great news for iPhone users. You can now add your #DragonCard and #GoldCard to Apple Pay and easily pay for purchases with your smartphone in just a single tap.

Bank CenterCredit is the first foreign bank to offer this opportunity to holders of Chinese cards.

Adding your card to Apple Pay is easy right in the bcc.kz app: simply open your card and select ‘Add to Apple Wallet’. Done!

If you don’t have a card yet –
Now is the perfect time to open one

Open #DragonCard

Open #GoldCard

Dear shareholders!

Joint-Stock Company "Bank CenterCredit", with the registered address at: 38 Al-Farabi Avenue, Almaty, A25D5G0, Republic of Kazakhstan, hereby notifies that the Board of Directors of the Bank approved the results of the repurchase of ordinary stocks at the initiative of JSC "Bank CenterCredit":

• Type of shares: ordinary stocks (CCBN - KASE, ISIN KZ0007786572);
• Number of actually repurchased stocks: 11 948 384 stocks;
• Repurchase price: KZT 2 200 per one ordinary stock;
• Volume of actually repurchased stocks: KZT 26 286 444 800;
• Repurchase period: starts on 15 April 2025 and ends on 31 December 2025;
• Remaining non-repurchased stocks: 3 951 616 stocks;
• Further repurchase of the remaining stocks is not planned due to the expiration of the repurchase period;
• Repurchased stocks do not have the right to vote or receive dividends.

New Bank CenterCredit customers are offered a single acquiring fee for accepting payments from any cards issued by Kazakhstan’s second-tier banks:

- For IEs: 1% for any Kazakhstani cards

- For LLPs: 1.5% for any Kazakhstani cards.

Special reduced fees are also available for LLPs provided they have the following service packages:

- Free – 1.0%

- Optimal+ – 1.3%

- Premium – 1.2%

- Ultra – 1.1%.

Existing customers will be transferred to a single acquiring fee in January 2027.

From 1 January 2026, updated rules for certain special tax regimes will come into force for self-employed individuals and individual entrepreneurs submitting the simplified tax returns. Below is a summary of the key changes and a practical checklist for businesses:

1. In 2026, the Monthly Calculation Index (MCI) will be ₸4,325.

2. For self-employed individuals, payments must be recorded and calculated via the app, and receipts are mandatory.

3. For individual entrepreneurs submitting the simplified tax returns, the semi-annual filing deadlines for Form 910.00 (15/25 August and 15/25 February) remain unchanged.

3. In B2B transactions, an important restriction on CIT deductions is introduced for transactions with suppliers operating under the simplified tax regime.

4. New rules regarding VAT and electronic invoicing: electronic invoices must be issued without VAT, and VAT deregistration requirements apply upon transition to the simplified tax regime.

1) Special Tax Regime for Self–Employed Individuals: Accounting, Receipts, and Payment Deadlines

• For self-employed individuals:
• The taxable base is income received during a calendar month; income is recognized on a cash basis (upon actual receipt).
• The calculation of individual income tax (IIT) and social contributions is performed via the mobile app. Payments may be accepted in cash or cashless form, and a receipt must be issued for each payment.
• Payment deadlines: IIT – by the 15th day; social contributions – by the 25th day of the month following the reporting month.

2) Individual Entrepreneurs Submitting the Simplified Tax Returns: Thresholds and Deadlines

• The tax period for Form 910.00 is half-yearly.
• If no accounting records are maintained, the condition: the annual turnover must not exceed 135,000 MCI (2026:  KZT 583,875,000).
• Filing /payment deadlines for Form 910.00:
• First half-year: filing by August 15, payment by August 25;
• Second half-year: filing by February 15, payment by February 25.

3) B2B: CIT Deductions for Purchases from SMEs

• Starting from 2026, companies operating under the general tax regime must observe the following rule: expenses incurred in transactions with SMEs under the simplified tax regime are not deductible (for CIT purposes).
• At the same time, transactions with self-employed individuals operating under the special tax regime are fully deductible.

4) VAT and Electronic Invoices under the Simplified Tax Regime: Key Considerations

Effective January 1, 2026:

• Taxpayers under the simplified tax regime are not recognized as VAT payers with respect to their sales turnover, upon transition to the simplified tax regime, existing VAT payers must deregister for VAT and submit the liquidation VAT reporting for remaining inventory balances
• Under the simplified tax regime, taxpayers are required to issue electronic invoices marked “without VAT.” At the same time, the presentation outlines certain exceptions (for example, the certain cases of sales to individuals made via electronic payments and/or the cases where a cash register receipt / special app receipt is issued –subject to conditions).

Actions for Businesses:

If you are a self-employed individual

• Verify the accuracy of income accounting (cash basis) and ensure that receipts are issued for all payments received.
• Monitor payment deadlines: IIT – by the 15th, and social contributions – by the 25th of the month following the reporting month.
• Make sure your status complies with the regime requirements (an individual without registration as an individual entrepreneur).

If you are an individual entrepreneur operating under the simplified tax regime:

• Mark the filing deadlines for Form 910.00: August 15/25 and February 15/25.
• Check your turnover threshold (135,000 MCI) and verify the accuracy of income accounting.
• Arrange for the issuance of electronic invoices marked “without VAT” and confirm whether you qualify for any applicable exceptions.
• If you previously applied the Special Tax Regime for retail tax, submit a notification between January 1 and February 28, 2026; otherwise, you may be automatically transferred to the general tax regime.

If you are a company operating under the general tax regime and purchase from SMEs:

• Conduct a supplier review: identify counterparties applying the simplified tax regime and assess how the CIT deduction limitation affects the profitability of your transactions.
• Update the requirements for documents/confirmations of the supplier’s tax regime in contracts and procurement regulations.

Dear customers!

For existing Bank customers who connected before 28 February 2026, the acquiring fee terms and conditions remain unchanged and will be valid until 31 December 2026.

Archive tariffs:

• Cards of other second-tier banks (Standard) - 1.5%
• Our cards - 0.4%
• ‘Preferential’ tariff (special MCC) - 1.2%
• ‘Micromerchant’ tariff (IE <45 million - 0.8%

From January 1, 2027, new conditions will apply to these merchants:

The conditions for accepting payments via POS terminals and BCC Pay are simpler and more transparent.

A single commission will apply regardless of the buyer's card (BCC or BVU card):

• IE — 1%
• LLC — 1.5%

21 февраля с 03:00 до 04:10 будут проводиться плановые технические работы, и в связи с этим будут недоступны операции с банкоматами, оплаты картой офлайн и онлайн, а также переводы с карты на карту. 

Приносим извинения за возможные неудобства и рекомендуем заранее запланировать необходимые операции.

On 19 March 2026, amendments to the Law of the Republic of Kazakhstan ‘On Currency Regulation and Currency Control’ No. 167-VI ZRK dated 2 July 2018 will come into force.

What will change for individual customers?

From 19 March 2026:

1. All citizens of the Republic of Kazakhstan will be recognised as residents of the Republic of Kazakhstan, regardless of whether they have a residence permit in another country, i.e. the rules established for residents of the Republic of Kazakhstan will apply to your currency transactions.
2. Until that date, citizens of the Republic of Kazakhstan with a foreign residence permit are considered non-residents.

What will change for business customers?

From 19 March 2026:

1. Branches and representative offices of foreign non-financial organisations operating in the Republic of Kazakhstan will also be recognised as residents.
2. The exception is organisations for which non-resident status is established by international agreements of the Republic of Kazakhstan.

Why is this important?

The changes are aimed at unifying the rules and do not imply a deterioration in banking services for customers. Resident or non-resident status affects the procedure for conducting certain currency transactions and reporting.

To achieve your goals faster, simply open the Birge+ deposit in the bcc.kz app and add up to five participants. Everyone can contribute toward the shared goal — and everyone can see the results.

Whatever your goal is – buying a home or planning a dream vacation – save together, save faster, save with Birge+.

The feature “Your 24/7 Personal Concierge” is now available again for #IronCard and #TravelCard holders in the bcc.kz mobile app.  

Access 24/7 support from concierge specialists right in the banking app: Main Screen → Card → “Your 24/7 Personal Concierge”.