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CenterCredit Bank
605
Locations About the Bank
For Individuals For Business
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BCC Business 2.0
BCC Business 2.0
Current Account
Current Account
CURRENT ACCOUNT OPENING
START OF BUSINESS
SERVICE
other
Loans
Loans
ENTREPRENEURS
CORPORATE CUSTOMERS
BANK GUARANTEES
Acceptance of payments
Acceptance of payments
ACCEPTANCE OF PAYMENTS
Cards
Cards
All Cards
CARDS
SERVICES
FEA
FEA
FEA
Business solutions
Business solutions
BUSINESS SOLUTIONS
NON-FINANCIAL SERVICES
BUSINESS CONSULTATIONS
Deposits
Deposits
All Deposits
TERM DEPOSITS
CONDITIONAL DEPOSITS
DEMAND DEPOSITS
DEPOSIT INSURANCE SCHEME
Поддержка бизнеса
Поддержка бизнеса
ГОСУДАРСТВЕННЫЕ ПРОГРАММЫ
ПРОГРАММА ЕБРР
ЖЕНЩИНЫ В БИЗНЕСЕ
Demo Day
ДЛЯ СТАРТАПОВ И IT ПРОЕКТОВ
Notary Services
CenterCredit Bank
For Individuals For Business
Войти в BCC.KZ
Mortgage
Cards
Loans
Deposits
Investments
Money Transfers
Payments
Tariffs
Private Banking
bcc club
Other
Войти в BCC Business
BCC Business 2.0
Current Account
Loans
Acceptance of payments
Cards
FEA
Business solutions
Deposits
Поддержка бизнеса
Support
Bank on the map
Отделения и банкоматы
505
24-hour phone number for private customers
605
For business customers
Weekdays — 08:00 - 00:00;
Weekends — 09:00 - 19:00;
info@bcc.kz
For Inquiries and Suggestions
Ask us a question on WhatsApp
Ask us a question on Telegram
Follow our Bank on social media
Bank on social media
Bank Apps
Download bcc.kz
Download bcc.kz
Download bcc business
Download bcc business
Download JuniorBank
Download JuniorBank
Interest Rate - 23.50% (AEIR – 26.21% - 27.45%)

Credit Limit on the Account

Use anytime you need money

Up to ₸250 mln
Limit Amount
In 20 minutes
Collateral-free
24/7
Access to money
For IEs and LLPs
Suitable for small, medium and large businesses
Servicing - 0₸
No fees and no collateral needed
Quick Decision-Making
We’ll open a credit limit in 20 minutes
30 days
Grace period for repayment

With credit limit, money is available for your business at any time

Increase the limit up to ₸250,000,000

Available to business customers and coupled with opening a current account and/or #business card

Limit Amount
For LLPs: from ₸200,000
For IEs: from ₸100,000

Amount revised: monthly

AEIR Calculation
Use the credit limit for:

• Seasonal purchases
• Cover cash gaps
• Working capital financing
• Salary payments
• Urgent payments and taxes

Apply for a credit limit on the account in three steps

  1. 1
    Open an account
    Account opening is available online in the bcc business app or at any Bank branch
  2. 2
    Sign a Contract
    For new customer – using EDS online, for several founders and existing customers - at a Bank branch
  3. 3
    Use funds 24/7
    Manage your credit limit via the BCC Business app or using #business card
Set up a credit limit Set up a credit limit

Calculate your credit limit

Результаты расчёта
AEIR Calculation
Simplified application process
  • Minimum package of documents for decision making
  • No additional documents required for new tranches
  • No need to sign schedules
Limit Increase
  • Collateral-free
  • Monthly limit revision
  • The higher the turnover, the higher the credit limit amount
Money is available at any time
  • Use at the right time
  • Pay interest for the amount used only
  • Manage your limit in the bcc business app

Tariffs and Terms

Bastau
For new Bank customers with up to 2 months of servicing
Up to ₸3,000,000
Term - up to 30 days
Interest rate – 23.5% (AEIR 26.21%)
Cash withdrawal and transfer: not allowed
Connect
Terms
Standart
For existing Bank customers
Up to ₸250,000,000
Term - up to 30 days
Interest rate – 23.5% (AEIR 26.21%)
Cash withdrawal and transfer: a 4% fee of the amount
Connect
Terms

Where to Open a Credit Limit on the Account?

Online

New customers (IEs and LLPs having 1 founder) may apply online

Apply online
At any Bank Branch

LLPs with two or more founders and existing customers can apply at any Bank branch

Find a branch

Часто задаваемые вопросы

The credit limit on the account is set up for free and allows you to make urgent payments during cash gaps within the available limit amount. The client can cover any current expenses through the mobile application without visiting the bank branch and can use the credit limit an unlimited number of times."

To open or close a credit limit, you need to visit any Bank branch and submit an application

No fees for the Credit Limit on the Account utilization and management are applicable.

Interest is accrued on a daily basis and debited on the principal repayment date (on the 30th day /prematurely via BCC Business without any penalties).

The Credit Limit Utilization Contract is signed for 5 years (60 months), with no extensions

The Bank does not charge any hidden fee for utilization of the Credit Limit on the Account, a 4% fee for transfer of funds to own accounts with JSC BCC or other STBs and a 4% cash out fee are charged only.

For late repayment of the principal and interest on the CLA, a borrower shall pay a penalty (fine) at the rate of 0.2% of the unpaid amount for each day of delay.

The main criterion for amount approval is the company's turnovers and monthly transactional activity.
The following amounts are available for new Bank customers : KZT 100,000 - for IEs and KZT 200,000 - for LLPs. At the end of the first month of credit limit utilization, the CLA is revised up to KZT 1,000,000.
Limits up to KZT 250,000,000 are available for regular Bank customers.

Credit limit repayment schedule is available on the BCC Business app in the Loans and Guarantees - Credit Limit on the Account - Repayment Schedule section.

The limit amount is recalculated automatically on a monthly basis.

Your personal money is debited first, then the credit limit.

We will help at the nearest branch

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Частые вопросы
Kazakh, Russian, English.
No, you can set your PIN through the mobile app:

-Select the appropriate card you want.

-Choose “Actions” -> “Settings” -> “Change PIN”.

Create a new PIN and confirm it with the SMS code.



Send an SMS to the short number 505 with the following text:

PIN (or epin) + the last 4 digits of the card number
ATMs are available at each bank branch and also outside branches. The full list of ATMs by cities in Kazakhstan can be found on the bank’s website in the “ATMs and Branches” section
You can also find this information in the mobile app or on the website bcc.kz in the “ATMs and Branches” section.
The language selection menu is located in the upper right corner on the main screen of the ATM, and at the top of the screen on the Information and Payment Terminal and the Automated Deposit Machines.
KZT denominations: 500, 1,000, 2,000, 5,000, 10,000, 20,000
RUB denominations: 5, 10, 50, 100, 200, 500, 1,000, 2,000, 5,000
USD denominations: 1, 2, 5, 10, 20, 50, 100
CNY denominations: 1, 5, 10, 20, 50, 100
Supports payment cards issued by MasterCard, VISA, and China UnionPay
When depositing money, ensure that there are no folded banknotes, coins, rubber bands, paper clips, clamps, or other foreign objects among the cash, and that the number of bills in the stack does not exceed the amount shown on the device screen during the transaction.
If the ATM has a contactless reader (NFC) and your card displays the wave symbol, you can simply tap your card, smartphone, or watch on the contactless reader to easily deposit or withdraw cash without inserting the machine.
ATMs will start accepting new banknotes within 3 to 9 months — as soon as ATM manufacturers update their firmware.
ATMs (Automated Teller Machines), Information and Payment Terminals (IPTs), Automated Deposit Machines (ADMs).
Before starting a transaction, check IPT/ADM/ATM for any unusual devices or hidden cameras. If anything looks suspicious or damaged, it is better not to use that machine. When entering your PIN, cover the keypad with your hand or bag to prevent others from seeing your code. Do not get distracted or walk away from the ATM until the transaction is fully completed. If you notice anything suspicious, immediately report it to the bank’s call center.
Yes, you need to tap your card, smartphone, or watch on the contactless reader, or insert the card into the cardreader, enter your PIN, and select “Check balance” from the menu.
You can withdraw cash, top up accounts and deposits, exchange cash currency, repay loans; check balances, and receive a payslip (available for payroll programs). A list of locations of multi-currency ATMs is available on the bank’s website in the “ATMs and Branches” section.
KZT, RUB, USD, CNY (A list of locations of multi-currency ATMs is available on the bank’s website in the “ATMs and Branches” section).
You can top up accounts and deposits in KZT, repay loans, and pay for providers’ services.
Legal entities can perform self-cash collection, and top up cards, accounts, and deposits in KZT.
After completing the transaction, an electronic receipt will be displayed on the ATM screen — it can be photographed or printed
Cash withdrawals and currency exchange services are available at the ATM for customers of other banks.
Funds are credited to the account immediately.
If an e-wallet is installed on your smartphone, you need to tap your smartphone or smartwatch on the contactless reader to start the transaction.
To withdraw money from a current account, please visit a bank branch. To withdraw money from a card, you should first apply for and activate your payment card.
No, cash withdrawals are available at ATMs of any other bank. You can find information about the fees for ATM withdrawal services on the bank’s bcc.kz website in the “Tariff rates” section.
To do this, you need to transfer funds from the deposit to the card in the app, then withdraw cash from the card using an ATM.
You can pay monthly loan installments, make partial early repayments, and fully repay your loan early via the bank’s ATMs and information-payment terminals.
ATMs support cash deposits in bundles and, depending on the model, can accept from 40 to 200 banknotes at once. The limit is displayed on the device screen during the transaction. Information and payment terminals accept cash one banknote at a time. Automated deposit machines function as bill counters and allow incremental cash deposits in bundles.
There are 2 ways of authorization at the ATM: 1. Via card (if you insert a card into the machine or attach a card, smartphone or watch to the contactless reader). In this case, it is possible to withdraw cash from the card and top up the card, account, deposit, repay a loan, view the balance, and receive a payslip (available for payroll programs). 2.By entering IIN or BIN (if you select the transaction on the main screen). When authorized via IIN, card, account, deposit top-ups, and loan repayment are available.


At the information-payment terminal you need to select the transaction on the main screen and enter IIN or BIN.


At the automated deposit machine, you need to select the transaction on the main screen and enter IIN or BIN or use card similarly to the ATM.
You can find information about fees for transactions at ATMs, terminals, and deposit machines on the website bcc.kz in the “Tariff rates” section
1.When authorized via IIN or BIN, the limit is no more than KZT 500,000 per transaction.
2. When authorized using a card, there is no limit on the amount, but The limit depends on the ATM model. The ATM can accept cash in bundles of 40 to 200 notes per transaction; the limit is shown on the screen during the transaction.
1.The withdrawal limit depends on the type of card and the set limits.
2. Depending on the model of the ATM can dispense cash in bundles of 40 to 200 notes..
1. For cards issued by other banks – a commission fee may be charged according to the fees for services of the issuing bank.
2. For Bank CenterCredit cards – the fees for ATM withdrawal services are available on the bank’s website in the “Tariff rates” section.
In this case, to begin the transaction, you need to insert the card into the card reader.
You can request a duplicate receipt at a bank branch.
You can set a new PIN in the mobile app:

1. Select the appropriate card on the main screen.
2. Select “Actions” and then “Card settings.”
3. Select “Change PIN.”
4. Enter a new PIN and confirm it with the SMS code.
To request a refund, please contact our call center at 505 (for individuals) or 605 (for legal entities).
Please contact our call center at 505 (for individuals) or 605 (for legal entities)
Please contact our call center at 505 (for individuals) or 605 (for legal entities)
The card may have been inserted incorrectly, or the chip or magnetic stripe may be damaged. We recommend using the ATM’s contactless reader for authorization.

1. If the ATM is installed outside the bank branch -block the card via the mobile app and contact our call center at 505 (for individuals) or 605 (for legal entities).

2.If the ATM is installed in the bank branch– visit the bank branch within working hours and present your identity card.

Important: The card is issued only to its owner upon verification of your card and identity card.
1. Enter your IIN or insert/tap your card, smartphone, or smartwatch on the contactless reader.

2. Select the currency for the top-up.

3. Select the account to top up.

4. Insert cash according to the on-screen instructions.

5. Take a picture of the receipt.
A list of multi-currency ATM addresses is available on the bank’s website in the “ATMs and Branches” section
1.On the main ATM screen, select “Currency Exchange.”

2.Enter your IIN and select the exchange option.

3. Review the exchange terms.

4.Insert cash into the bill acceptor.

5. Review the transaction details and the amount to be disbursed.

6.Select the method to receive change (card or enter phone number).

7.Receive the purchased currency.

8. Take a picture of the receipt on the screen.
1. Insert or tap your card, smartphone, or smartwatch on the contactless reader.

2. Select “Cash withdrawals.”

3. Enter your PIN.

4. Specify the amount.

5. Take a picture of the receipt.
To exchange cash currency, you should enter your IIN on the ATM screen.
App exchange rate
The exchange rates are displayed on the ATM’s main screen.
(Note: The rate may change during the transaction.)
Yes, entering your IIN is sufficient for currency exchange.
Mon-Sat 09:00-20:00, the service is unavailable on public holidays.
Up to KZT 500,000 or the equivalent amount in foreign currency per transaction.
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