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.

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

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.

Bank CenterCredit has commenced operations on the FinOtinish digital platform developed by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market to improve the mechanisms for handling complaints from consumers of financial services (individuals).

Joining the platform marks another milestone in the Bank’s efforts to strengthen its customer-centric service approach and increase transparency in its interactions with customers. The new digital tool enables financial services consumers to submit complaints to the Bank through a single electronic channel and track the status and outcome of their review online.

FinOtinish provides consumers with a single digital channel for communication with financial institutions. Through the FinOtinish digital platform, consumers of financial services (individuals) can submit complaints to the Bank regarding violations of their rights, disagreements with the Bank’s actions or inaction, and claims related to the provision of financial products and services.

Users can track the status of their submissions and monitor review timelines through the platform. Once submitted, a complaint is automatically forwarded to the Bank.

Complaints may be submitted via: https://finotinish.kz/.

If an issue cannot be resolved at the Bank level, the platform provides an opportunity to escalate the matter to the Banking Ombudsman in accordance with the procedures established by applicable law.

Use of the FinOtinish platform is free of charge and is initiated at the consumer’s discretion. At the same time, connection to the platform does not limit the right of consumers of financial services to use other legal means available to protect their rights and legitimate interests.

The Bank would like to note that customers may use the Bank’s traditional service channels for consultations regarding products and services, service terms and conditions, and other reference information:

 
Bank Contact Center

Calls from mobile phones within the Republic of Kazakhstan are free of charge.

• For private customers: 505;

Bank Messengers: WhatsApp and Telegram.

Messenger channels are not intended for voice calls.

• For private customers: 8 (747) 111-15-05;

• Chat available on the Bank’s website.

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!

• A call from the Bank’s Security Service

Fraudsters pose as bank staff.
 They claim that:

• a loan is being taken out in your name;
• your funds are at risk;
• you need to arrange a loan urgently, transfer the money to a ‘secure’ account, and so on.

 Important: a real bank will never ask you to take out a loan to ‘protect your funds’.

2. A WhatsApp user with the bank’s logo

Fraudsters message via WhatsApp using a profile picture featuring the bank’s logo.
 In the message, they:

• offer to ‘check the security of your account’,
• arrange ‘pre-approval for a loan’,
• or claim that ‘a loan has been mistakenly issued in your name’.

 Important: The Bank does not conduct official correspondence via WhatsApp on behalf of individuals. This is 100% a scam.

3. Government assistance / eGov

Fraudsters promise payments, subsidies or assistance to those affected by emergencies.
 Under the pretext of receiving these payments, you are asked to:

• enter your Individual Identification Number (IIN) and verification codes;
• download malicious apps;
• apply for a loan as instructed.

4. Joint operation with the National Security Committee (NSC) or the Ministry of Internal Affairs (MIA)

The caller convinces you that you are a ‘victim of a scam’ and offers to help with the investigation.
 You are asked:

• not to tell anyone;
• to arrange a loan, supposedly ‘to assist the investigation’;
• to hand over money ‘against a receipt’.

 Important: the authorities do not involve members of the public in covert operations over the phone.

5. Free meter replacement by the housing and utilities department

The caller claims to be from the housing and utilities department and is calling regarding a meter replacement.
 You are asked to:

• dictate a code to confirm your ‘application’;
• undergo biometric verification to confirm the “request”;
• download malicious apps.

 Important: Housing and utilities staff will never ask you to provide biometric data or a confirmation code.

6. A call from a relative

The caller uses voice spoofing to imitate the voice of a relative (a child, sister, father, etc.).
 You are asked to:

• share the verification code sent via SMS;
• transfer money, allegedly because of a ‘dangerous’ situation that has arisen;

Important: Stay vigilant and independently contact your relatives to confirm the information.

Кешбэк в магазинах SMALL и SPAR будет начисляться до 21 сентября 2026 года, так как сеть магазинов перестала участвовать в партнёрской программе bcc club. 

Если вы выбрали SMALL и SPAR в любимой категории, кешбэк за покупки в сети будет начисляться до конца сентября.

Мы продолжаем развивать bcc club и работать над тем, чтобы у вас было ещё больше возможностей для выгодных покупок.

Starting from 02.10.2026, new fees will apply for:

• for verifying the authenticity of foreign currency banknotes
• for recounting banknotes at the client’s request

For more details, call us at 505 or visit our website: https://www.bcc.kz/fizical/tarify/ 

Starting September 10, premium payroll cardholders will receive an increased 10% cashback when paying for the following services in the bcc.kz app:

• Utilities
• Internet and TV
• Kindergartens
• Public transport

To receive cashback to your bonus account, simply pay for these services with one of the following premium payroll cards:

• #IronCard
• #TravelCard
• #BlackEdition
• #DragonCard

The maximum cashback for these payments is KZT 10,000 per month, subject to the monthly limit.

Once you’ve taken out a car loan, you’ll gain access to a special Jetour car skin for your #bccpay digital card.

A car loan from Bank CenterCredit allows you to purchase a new car with bank financing. Choose a suitable Jetour model, apply for a car loan and receive additional benefits as part of this promotion.

How to take part in the promotion:

1. 1. Choose a Jetour car.
2. 2. Apply for and take out a car loan from Bank CentreCredit.
3. 3. Receive a unique skin for your #bccpay digital card and a guaranteed gift from Jetour.

This offer applies to the purchase of Jetour cars as part of the promotion.

Interest rate: 0.10–23.00%

Annual percentage rate (APR): 0.70–23.00%

More

Bank CenterCredit has been named Most Innovative SME Bank – Kazakhstan 2026 by Global Business Outlook, an international business publication. The Bank was recognized for its innovative approach to developing banking solutions for small and medium-sized enterprises (SMEs), driving digital transformation, and introducing modern financial services.

Global Business Outlook experts highlighted BCC’s comprehensive SME ecosystem, including the new BCC Business mobile app, online loan and guarantee applications, the opening of escrow accounts, and the exchange of escrow receipts to support secure transactions.

In addition, the Bank’s video banking service for foreign exchange control consultations and its in-app FX platform, offering the widest selection of currency pairs, were recognized among its key innovations.

The Bank’s digital payments infrastructure was also highlighted, including digital tenge settlement services, as well as the simplicity and speed of onboarding for internet and merchant acquiring services.

“SMEs are one of the Bank’s key strategic priorities. We understand that the needs of businesses are constantly evolving. To meet these changing demands, we continuously invest in new technologies, expand the capabilities of our digital services, and enhance the customer experience, making interactions with the Bank as simple and efficient as possible,” said Ruslan Vladimirov, President of Bank CenterCredit. 

Global Business Outlook is an international business publication that annually recognizes outstanding companies and financial institutions for excellence in business performance, innovation, and industry leadership. Participants are assessed based on their market position, financial and operational performance, innovative initiatives, products and services, and their contribution to the development of their respective industries.

 General Banking License No. 1.1.856.145, dated August 5, 2026, issued by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market.

Enjoy greater savings on Yandex Lavka purchases with UnionPay cards. Holders of the #GoldCard and premium #DragonCard can enjoy discounts on three orders each month, along with additional card benefits.

During the first month of the promotion:

• 50% off the first order, up to ₸5,000;
• 20% off the second order;
• 10% off the third order.

Starting from the second month:

• #GoldCard: 10% off three orders per month;
• #DragonCard: 20% off three orders per month.

In addition to Yandex Lavka discounts, each card offers its own benefits:

• #GoldCard: free maintenance and 1% cashback on all purchases;
• #DragonCard: 2% cashback on all purchases, unlimited access to Dragonpass business lounges for the cardholders and 6 guest visits.

To receive the discount, find Yandex Lavka in the Yandex Go app and pay for your order with a UnionPay card issued by Bank CenterCredit.

Open a #GoldCard or #DragonCard in the bcc.kz app and enjoy UnionPay benefits for your everyday purchases and travels.

Once you’ve taken out a car loan, you’ll gain access to a special MG car skin for your #bccpay digital card.

A car loan from Bank CenterCredit allows you to purchase a new car with bank financing. Choose a suitable MG model, apply for a car loan and receive additional benefits as part of this promotion.

How to take part in the promotion:

1.  Choose an MG car.

2.  Apply for and take out a car loan from Bank CentreCredit.

3.  Receive an exclusive skin for your #bccpay digital card and a guaranteed gift from MG.

This offer applies to the purchase of MG cars as part of the promotion.

Interest rate 22,60% - 24,10%, Annual percentage rate (APR) 26,20% - 32,70%

Read more

Dear Customers!

JSC Bank CenterCredit hereby notifies that starting from 19 August 2026, interest rates on newly attracted national currency retail deposits “Champion” will change.

Dear customers,

Please be advised that changes to cash transaction tariffs will come into effect on August 12, 2026:

Clause 8.1.2. Cash deposits in Russian rubles (RUB): 10%.

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

Thank you for your cooperation.

We have summarized the results of the KoronaPay and Bank CenterCredit promotion.

From June 4 to August 31, 2026, customers who received international money transfers through KoronaPay in the bcc.kz app were automatically entered into a prize draw to win a new iPhone.

The winners selected in the random draw are:

1. MAKSIM (1219) – Almaty
2. IRINA (0735) – Petropavlovsk

Reserve winners:

1. SHOLPAN (9775) –Shymkent
2. YAROSLAV (3683) –Karaganda
3. ALEKSANDR (4985) –Uralsk
4. AMIR (5353) – Almaty

The winners will be contacted separately.
Thank you to everyone who participated in the promotion!

Save on acquiring fees with a special fee for payments accepted via the Unified Interbank QR (NPK QR).

Save on acquiring fees with a special fee for payments accepted via the Unified Interbank QR (NPK QR:

• Optimal+ and Premium: 0.2% (0% with an additional option)
•  Ultra: 0% (0% with an additional option).

The special fee applies only to payments accepted via NPK QR code.

Accept payments and maximize your savings with Bank CenterCredit!

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The Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARDFM) has issued Universal Banking License No. 1.1.856.145 to Bank CenterCredit, which includes additional types of transactions relating to interbank activities (loans, guarantees and sureties, as well as other interbank transactions).

Bank CenterCredit is one of Kazakhstan’s leading commercial banks, with a history spanning more than 37 years.The Bank provides a comprehensive range of financial services to corporate customers, small and medium-sized enterprises, retail customers, and international companies.