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”. 

Dear Customers,

This is to inform you that changes to the tariffs for foreign currency payment requests will take effect starting from 12 February 2026.

Please take the updated terms into consideration when planning and making your transfers.

Follow the link to learn more about the applicable tariff.

Thank you for your cooperation.

Starting from February 4, 2026, new cashback program terms apply to the #DragonCard and #GoldCard.
 
#DragonCard
5% cashback on every purchase in China and worldwide — up to ₸40,000 per month.
 
#GoldCard
3% cashback on every purchase in China and worldwide — up to₸ 20,000 per month.
 
Purchases made in Hong Kong, Macau, and Taiwan, or through Alipay and WeChat, are not eligible for cashback.

Уважаемые акционеры АО «Банк ЦентрКредит» !

Акционерное Общество «Банк ЦентрКредит», находящееся по адресу: A25D5G0, г. Алматы, Медеуский район, пр. Аль – Фараби, 38, уведомляет о проведении 18 марта   2026 года в 10 часов, по инициативе Совета директоров (Протокол заседания Совета директоров от 04 февраля  2026г.),  годового общего собрания акционеров в очной форме, посредством Zoom конференции.

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

Список акционеров, имеющих право на участие в годовом 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  4 февраля  2026 года.

Повестка дня:

1.  Отчет о результатах деятельности Банка за 2025 год.

2.  Об утверждении консолидированной и отдельной годовой финансовой отчетности АО «Банк ЦентрКредит» за 2025 год.

3.  Об утверждении порядка распределения чистого дохода АО «Банк ЦентрКредит» за 2025 год.

4.  Об утверждении аудиторской организации для проведения аудита финансовой отчетности Банка и дочерних организаций в 2026 году.

5. Об избрании членов Совета Директоров АО «Банк ЦентрКредит».

Акционеры могут ознакомиться с материалами по вопросам повестки дня годового общего собрания, начиная с   06 марта 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 годовое общее собрание акционеров будет проведено 20 марта  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 общего собрания акционеров должен быть составлен и подписан в течение трех рабочих дней после закрытия собрания.

Общее собрание акционеров проводится в соответствии со статьями 35 – 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

Hereby Bank CenterCredit JSC informs that on February 09, 2026, the coupon interest on bonds CCBNb30 (ISIN KZ2C00004158) was paid.

The total amount of coupon interest paid was 600 000 000.00 (six hundred million) tenge 00 tiyn.

Dear Customers,

Please be advised that, effective 9 February 2026, the tariffs for transfers in Chinese yuan (CNY) will change.

We kindly ask you to take into account the updated terms when planning and making transfers.

For more details, please follow the link below. 

Thank you for your cooperation.

Dear Business Customers,

Please be informed that on 30 January 2026 the amendments to the Standard Terms for the Provision of Banking Services to Business Customers at JSC Bank CenterCredit (Accession Agreement No. 002) were approved.

The amendments concern the discontinuation of the Deposit–Guarantee + Pledge product (as a result of changes in legislation), as well as changes to the terms for the transfer of customer information between the Bank’s subsidiaries.

We kindly ask you to review the amendments on our website: https://www.bcc.kz/about/sbornik-form-dogovorov/

Refinancing allows to transfer an existing loan to our Bank for servicing and continue repayments under the new terms.

Refinancing can be arranged at our Bank branches. Detailed terms, as well as the borrower and collateral eligibility requirements can be found on the website at bcc.kz.

Interest rate: 23-25%
AEIR: 26-29.2%

Dear Customers!
Please be advised that the tariffs for international SWIFT transfers will be adjusted due to the enactment of amendments to the legislation of the Republic of Kazakhstan and the introduction of a 16% VAT. The updated terms will come into effect on April 1, 2026. We appreciate your understanding and trust.

We are clarifying the details of using the Lump-Sum Pension Payment (LSPP) funds for repaying mortgage loans with the regulator.
Currently, our customers can use the LSPP to repay both the principal and interest, as was the case before.
We will notify you of any changes as soon as we receive official clarifications.

In Kazakhstan, the Rules for the Use of Lump-Sum Pension Payments to Improve Housing Conditions have been amended. According to the changes, lump-sum pension payments may now be used to partially or fully repay only the principal debt of a home mortgage loan. The repayment of interest, penalties, and fines using pension savings is no longer permitted. Previously, such use was allowed under these Rules.

The application procedure has also been changed. After opening a special account, the applicant submits an electronic application to use pension funds, indicating the account number, the purpose of use, and the available amount, which is certified by the applicant’s electronic digital signature. Previously, the same application also required specifying the method for withholding and transferring personal income tax.

The Order clarifies that the assignment of rights under a Home Construction Savings Agreement is permitted only to spouses and close relatives, who are not entitled to transfer these rights to third parties.

In addition, if supporting documents are not submitted, the money will be returned to the applicant’s UAPF account. In the event of an erroneous transfer, the authorized operator must send a notification to the UAPF, along with the applicant’s consent, within three working days. The UAPF will then return the money to the applicant’s account within five working days.

The Order will take effect on 2 February 2026, except for the provisions on the cancellation of personal income tax withholding, which came into force on 1 January 2026.

Due to the planned amendments and additions to Resolution No. 3 of the Management Board of the National Bank of the Republic of Kazakhstan dated 31 January 2011, “On the Approval of the Standard Chart of Accounts for Accounting in Second-Tier Banks, Mortgage Organizations, Development Bank of Kazakhstan JSC, and Branches of Non-Resident Banks of the Republic of Kazakhstan,” which will enter into force on 1 April 2026 and provide for the exclusion of Account 2240 (Account for Holding Funds Received as Security (Collateral, Advance Payment) for Customers’ Obligations”), the standard chart of accounts will no longer include an account for holding funds received as cash collateral to secure customers’ obligations.

As part of these amendments, Bank CenterCredit will place the cash collateral used as security for a loan under the JAÑA Mortgage product in the Guarantee deposit.

What this means for the customer:

• Cash collateral will be placed in a deposit
• Interest will be accrued on the deposit at a rate of 0.1% per annum.
• This improves the terms for the customer, as no interest was previously accrued.
• The deposit will be covered by mandatory deposit insurance in accordance with the requirements of the current legislation of the Republic of Kazakhstan.

After the push notification is sent in the bcc.kz app, you will need to sign the following documents online:

• an application to open a deposit;
• the Guarantee Deposit Agreement;
• your spouse’s consent, if applicable;
• an addendum to the Bank Loan Agreement.

Please  be advised that the loan terms and servicing procedure remain unchanged.

If you do not yet have the bcc.kz app, please download it using the QR code.

If you have any questions, please contact us at 505.

Thank you for your trust and cooperation!

Dear Business Customers,
Please be informed that the amendments to the Tax Code took effect on 01 January 2026 in Kazakhstan, according to which certain banking fees are now subject to VAT.
The Bank’s tariffs for such services are indicated inclusive of VAT, with no extra or hidden charges.
The Bank keeps providing favorable service terms for its business customers.

You can find information on changes in tariffs/fees for certain products at the following links:
Factoring
BCC payments starting from 16 February 2026 

In the event of any additional changes to the tariffs and/or banking service terms, the Bank will notify its customers in the manner and within the timeframes established by the laws of the Republic of Kazakhstan.

Thank you for your cooperation.

From 1 January 2026, in accordance with the tax legislation of the Republic of Kazakhstan, certain banking services will be subject to value-added tax. As of that date, the VAT rate will be 16%.

The majority of Bank CenterCredit product tariffs remain unchanged. Updates will apply to payments — the new tariffs will be effective on 20 April 2026. Current terms are available in the “Tariffs” section by following the link.

Thank you for your trust. We value our cooperation and continue to make banking services convenient and accessible for you.

This account is intended for crediting income derived from professional activity by individuals registered as self-employed, and for making settlements under a special tax regime in accordance with the laws of the Republic of Kazakhstan.

The account can be opened via the bcc.kz mobile app or at the Bank branch.

You are eligible to qualify for the self-employed regime if:

• You are a citizen of the Republic of Kazakhstan or a Kandas.
• You run your business independently, without any hired employees.
• Your monthly income is up to 300 MCI, approximately ₸1,297,500.
• You are engaged in an activity permitted for self-employed individuals (the list is approved by the Government of the Republic of Kazakhstan).

19 января до 15.30 будут проводиться плановые технические работы, и в связи с этим будут недоступны операции с банкоматами.

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

As part of the new requirements, Bank CenterCredit is preparing separate accounts and cards for the self-employed. This will help to easily accept payments from customers and keep personal and business finances separate. The solution is currently under development to ensure its smooth and seamless launch for customers. We’ll keep you updated on the new service launch.  

Please refer to the link for further details