Нацбанк Казахстана установил курс доллара к тенге по состоянию на 05.12.2024 г. – 523,58 тг., курс российского рубля – 5,01 тг.

Курс доллара за прошедший день ослаб. В сравнении с курсом, действовавшим 04.12.2024 г., рост составил +0,41 тг. (с 523,17 тг. до 523,58 тг.). При этом курс рубля также немного укрепился, рост составил +0,08 тг. (с 4,93 тг. до 5,01 тг.).

Курс тенге на момент закрытия валютных торгов 4 декабря продемонстрировал снижение на 0,40% при объеме торгов 195 млн USD и сложился на уровне 525 тенге за доллар.

Курс тенге к рублю также ослаб на 2,00% и составил 5,035 тенге за рубль.

Аналитики BCC Invest ожидают сохранение текущего диапазона колебаний на фоне низкой волатильности.

The tenge exchange rate at the close of trading on December 3 showed a slight strengthening (-0.42%) on moderate volumes ($229 million), settling at 522.9 tenge .

Analysts at BCC Invest anticipate a relative decrease in the volatility of the national currency .

When a pregnancy reaches the 30th week (or 28th in case of multiple pregnancies), a woman goes on maternity leave. To provide financial support, she is entitled to several types of payments — a one-time state allowance, a social benefit for income loss, and a child care allowance paid over 1.5 years. But do these benefits apply if the woman is self-employed as an individual entrepreneur (IE)? What benefits are available to pregnant IEs in Kazakhstan? How much money is paid at childbirth?  

People looking to generate passive income often wonder how to invest with minimal risk and effort. Investing in securities requires financial literacy, so it’s not a one-size-fits-all solution.

USD/KZT Exchange Rate Fluctuations During The Periods of High Volatility

📈 The USD/KZT exchange rate traditionally demonstrates sharp weakening of the tenge during periods of economic or geopolitical shocks, such as COVID-19 pandemic in 2020 or war in Ukraine in 2022.

However, after such jumps, there is a temporary strengthening of the exchange rate approximately up to the previous values, which may be driven by the National Bank’s interventions and stabilization of the external environment. In the long term, weakening of the tenge continues at a more moderate pace.

Based on today’s record intervention volumes, the National Bank is clearly interested in maintaining the exchange rate and restraining further devaluation, trying to strengthen the tenge amid external pressure.

According to paragraph 1 of Article 207 of the Social Code of the Republic of Kazakhstan, men retire at the age of 63 and women at 61. Many retirees do not continue working: they are entitled to pension payments. Previously, these payments could only be received once the retirement age was reached. However, in 2023, a law was adopted allowing for early withdrawal of pension savings from the UAPF — the Unified Accumulative Pension Fund. However, there are nuances. First, only the funds received from mandatory pension contributions (MPC) can be withdrawn. Second, the withdrawal is allowed only if the funds are planned to be spent for specific purposes.

Покупка автомобиля дарит яркие эмоции. Чтобы получить такой результат, нужно правильно выбрать авто. О том, как выбрать машину по цене и качеству, в интервью Банку ЦентрКредит рассказал автожурналист и видеоблогер Олжас Окас (@oljasoqas). 

Most companies in Kazakhstan that sell goods and provide services, in addition to regular taxes, must also pay Value Added Tax (VAT). This tax is applied to the difference between the purchase price and the selling price. To compensate the seller or producer’s expenses, the VAT amount is included in the final price. The collected tax goes to the state budget and is used for current public needs.

Investing is considered one of the most popular tools for generating passive income.
However, opinions about investing vary. Some believe it’s complex and requires expertise to make profitable deals. Others argue that it’s as easy as downloading an app and buying assets. Let's break down what investing is and how to start investing money in Kazakhstan.

A letter of credit is one of the possible settlement methods between a buyer and a seller. It represents a bank’s commitment, on behalf of the buyer, to pay the seller a specified amount in an agreed currency, provided that the seller submits documents confirming the shipment of goods or delivery of services.

Outlook and Perspective on the Tenge

According to the National Bank of the Republic of Kazakhstan (the NBRK), the average exchange rate against the U.S. dollar for the nine months of 2024 was KZT 458.7. As compared to the annual average exchange rate for 2023, there was an increase of 0.5% or KZT 2.5.  When compared to the same period of the last year (nine months of 2023), the rate showed a rise of 1.3% or KZT 5.8.

 The relatively low average value was due to favorable currency trends earlier in the year. The primary driver for the exchange rate dynamics was foreign currency sales by the National Fund (the NF). Withdrawals from the NF exceeded the planned figures outlined in the Social and Economic Development Forecast of the Republic of Kazakhstan (the SEDF) dated 3 September 2024 by KZT 300.4 billion following the results of eight months of the year, with transfer volumes for 2024 set at KZT 3.6 trillion. Meanwhile, as stated by the NBRK Governor on September 11, 2024, uncertainty remains around further NF withdrawals to cover the national budget deficit, causing an increased risk of pro-inflationary pressure and further reduction of the effectiveness of the State’s monetary policy.

No matter your preferred vacation style — beach, adventure, sightseeing, or shopping — you can find a destination where Kazakh citizens do not need a visa in 2026. There are many such places: Kazakhstanis can travel visa-free to 39 countries, and in 34 more, a visa can be easily obtained upon arrival at the airport.

Let’s explore the list of popular countries you can visit without a visa as a Kazakh citizen.

The internet is full of anonymous quotes like “Travel is the only thing you buy that makes you richer” or “If travel were free, you’d never see me again.” They reflect one unpleasant truth: traveling costs money — often a lot. But it’s entirely possible to see the world for much less than what tour operators typically offer.

How do you travel on a budget without sacrificing comfort and experience?

Is running good for you? How do you start morning runs from scratch? What should you keep in mind?

From TikTok to Instagram: How to Promote Your Business Online in Kazakhstan TikTok, Facebook, Instagram, and Telegram are often seen as platforms for chatting and viewing media. However, they are powerful tools for online business promotion: social networks gather a solvent audience and rely on advertising algorithms that help grow your brand, expand your customer base, and increase sales.

Where should you advertise your business online? How can you do it effectively?

Businesses that handle cash frequently need to deposit funds into a bank. However, transporting large sums of money can be risky. Cash collection services ensure secure transportation and help maintain the safety of your financial assets.

When entering into transactions that carry financial risks (such as buying an apartment under a shared construction scheme), an escrow account is often used. It is designed to protect the interests of both parties during unforeseen circumstances, secure the funds, and reduce the chances of misconduct. Escrow accounts can be opened by individuals, legal entities, and individual entrepreneurs.

Credit cards often spark debate, but one thing is clear — they let you purchase essential items even when you don’t have the funds on hand.

According to the National Bank of the Republic of Kazakhstan, in May 2025 alone, 1.3 billion transactions were made using bank cards worth more than 18.1 trillion tenge. In total, 81.2 million cards were in circulation in Kazakhstan as of June 2025.
However, for a business to accept such payments, it must connect to a banking service known as acquiring.

Increased currency sale volumes support Tenge from excessive weakening 

The third quarter kicked off for tenge with some exchange rate stabilization after a noticeable weakening in June. As a result, the average KZT exchange rate weakened by 6.07% by the end of July amid the decline in the National Fund operations in terms of currency sale volume. According to the results of July, foreign currency sales from the National Fund to ensure transfers to the republican budget amounted to $506 mln and about $984 mln as part of selling the currency to purchase Kazatomprom shares. In August, according to the forecasts of the Government, the National Fund will sell currency at similar levels of 500-600 mln. These transactions, in our opinion, support the exchange rate from excessive weakening. As we noted earlier, the level of KZT 480 per US dollar is an attractive level for market participants to sell the U.S. currency.  

Both individuals and entrepreneurs may face situations where they lack sufficient personal funds for specific needs — for example, purchasing home appliances or raw materials for production. In such cases, the optimal solution is to apply for a bank loan. However, alongside standard loan products, banks in Kazakhstan also offer tools such as an overdraft, a credit line, and an account credit limit.

According to data from 2025, the share of cashless payments using bank cards in Kazakhstan increased to 90%, and the volume of such transactions exceeded 136,2 trillion tenge.

To enable a buyer to pay for goods and services in the Republic of Kazakhstan, it is necessary to create an invoice, which is more conveniently and quickly done online. This document is one of the primary ones in transactions between counterparties. How accurately it is filled out determines the successful transfer of funds to the seller or service provider's account.