E-mail: Pr@bcc.kz
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).
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
As of “january” 27, 2026, new tariffs apply to cash operations in euro 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/
Информация о списании кредитов в банках второго уровня, распространяемая в социальных сетях, не соответствует действительности.
Просим доверять только официальным источникам и не обращаться к посредникам. Напоминаем, что распространение ложной информации влечёт ответственность в соответствии с законодательством.
В настоящее время действует единый порядок взаимодействия заемщиков с банками, микрофинансовыми организациями и коллекторскими агентствами.
Ссылка на раздел «Проблемная задолженность»: https://www.bcc.kz/personal/other/troubled-debt/
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___ .
Please be informed that the updated tariffs for safe deposit services will come into effect at Bank CenterCredit starting from 03 February 2026. You can review the tariffs here.
For your convenience, you can reserve a safe deposit box online via the bcc.kz app or visit any branch of the Bank.
Hereby, JSC Bank CenterCredit JSC informs that it has taken into account the notification of Central Securities Depository (No. 23-27/15223 dated 30.12.2025) on the redemption in the accounting system of the Central Depository of the fourth bond issue within the third bond program of JSC Bank CenterCredit (ISIN KZ2C00004554).
Hereby Bank CenterCredit JSC announces that, in accordance with the terms of the CCBNb32 bond issue (ISIN KZ2C00004554, market "Main", category "Bonds"), the bonds were redeemed on December 29, 2025, including the last 14th coupon payment.
The principal amount is 51 710 939 600,00 (fifty-one billion seven hundred ten million nine hundred thirty-nine thousand six hundred) tenge 00 tiyn, the 14th coupon payment is 2 831 173 943,10 (two billion eight hundred thirty-one million one hundred seventy-three thousand nine hundred forty-three) tenge 10 tiyn.
26 декабря с 03:00 до 04:00 будут проводиться плановые технические работы. В связи с этим будут недоступны операции по картам, платёжным терминалам и банкоматам, платежи и переводы в приложении bcc.kz, а также мобильный банкинг.
Dear clients,
We would like to inform you about changes to the tariffs for personal service packages — bcc plus Standard, Comfort, Premium, Private, and Private+ subscriptions.
The changes will take effect from January 05, 2026.
Dear Customers!
Due to scheduled maintenance, the “Your Personal Concierge 24/7” service is temporary unavailable in the bcc.kz app.
We will inform you once the service resumes.
You can continue using Visa concierge services via Telegram (https://t.me/VisaConciergeBot) and WhatsApp (https://wa.me/380443000503)
Thank you for understanding!
Taxation rules for lump-sum pension payments (LPP) in Kazakhstan have been amended.
Term for Applying Standard Tax Deductions
Law No. 208-VIII of the Republic of Kazakhstan, dated 15 July 2025, amended paragraph 3 of Article 48 of the Tax Code. The key change extends the statute of limitations for claiming standard tax deductions on LPP income from three to five years.
If you received LPP between 1 January 2021 and 31 December 2025, and are entitled to standard tax deductions (subparagraphs 2 and 3 of paragraph 1 of Article 346 of the Tax Code of the Republic of Kazakhstan), but did not fully claim them, you may submit an application to the UAPF, along with supporting documents (except those automatically obtained by the UAPF, such as disability information), by the end of 2025.
What Will Change from 1 January 2026
A new Tax Code of the Republic of Kazakhstan will come into force, introducing the following changes:
Full exemption of pension payments from the UAPF from Personal Income Tax (PIT), including lump-sum pension payments (LPP), for resident individuals of the Republic of Kazakhstan.
For non-residents of the Republic of Kazakhstan, PIT withholding will remain in place.
Cancellation of all outstanding deferred PIT liabilities as of 1 January 2026.
How Tax Applies Until 1 January 2026
Before the new Tax Code of the Republic of Kazakhstan comes into force, a 10% Personal Income Tax (PIT) on lump-sum pension payments (LPP) is withheld in accordance with the current rules (the Tax Code effective until 1 January 2026).
Deferred PIT is withheld either in equal monthly installments for up to 16 years (subparagraph 2 of paragraph 2 of Article 353-1), or as a lump sum, if the recipient has a pension annuity agreement with an insurance company (paragraph 6 of Article 353-1); receives length-of-service payments (paragraph 7 of Article 353-1); or has chosen the “lump-sum PIT withholding” option.
Please take these changes into account when making transactions with pension savings.
Find out more about amendments to the taxation of lump-sum pension payments (LPP) at:
Starting February 1, new Visa conditions will apply for free access to DragonPass airport business lounges:
- #IronCard — monthly purchases of at least 550,000 KZT
- #TravelCard — monthly purchases of at least 300,000 KZT
We recommend actively using your premium card, as the new rules will take effect on February 1, 2026, and purchases made from December 26 will count toward the required spending for free lounge access.
As before, the last 5 days before the trip are not included in the calculation.
Changes will affect the following services:
- DragonPass lounges
- Fast Track International
- Lounge access at the VIP hall of Astana Airport
- Baggage wrapping at Almaty and Astana airports
- Baggage storage at Almaty Airport
- Airport transfer from Almaty Airport
- Access to the online edition of Forbes magazine
A training session titled “ESG: Trends, Practice, Opportunities” was held in Astana. The event brought together business representatives and experts from Bank CenterCredit, KPMG Caucasus and Central Asia, the Astana International Financial Centre (AIFC), the AIFC Green Finance Centre, and the AIFC Financial Services Regulatory Committee (AFSA). The training was organized by the Sustainable Development Center of Bank CenterCredit in cooperation with the branch of JSC “Bank CenterCredit” at the AIFC.
During the training, key ESG trends, practical sustainable finance instruments, and opportunities for companies amid increasing sustainable development requirements were discussed. Special attention was paid to the role of financial institutions in supporting the ESG agenda and to the practical application of responsible finance instruments.
The training was held in a hybrid format (offline and online). Offline participants received personalized certificates from Bank CenterCredit.
“Bank CenterCredit is one of the leaders in implementing ESG risk management practices. For us, such events provide an opportunity to share accumulated experience and practical solutions with partners and colleagues. We thank KPMG, the AIFC, and AFSA for supporting this initiative—thanks to their participation, the event was informative and comprehensive,” said Arnur Ibrayev, Head (CSO) of the Sustainable Development Center.