Credit Limit on the Account

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 principal and payment of interest:

for a legal entity:
A penalty in the amount of 0.2% of the overdue payment amount for each day of delay;
for an individual entrepreneur:
A penalty in the amount of 0.2% of the overdue payment amount for each day of delay. After 90 days of delay, the Borrower shall pay the Bank a penalty in the amount of 0.03% of the overdue payment amount for each day of delay, but not more than 10% of the amount of the disbursed tranche for each year.

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.

Fee
Fee for arranging a Credit Limit on the Account (CLA) through the Bank’s Authorized Body.

VAT
VAT exempt.

Inclusion in the Effective Annual Interest Rate (EAIR)
Included.

Fee Amount by Business Customer Segment

• Large Business: 0.35%
• Medium Business: 0.35%
• Small Business: 0.5% (minimum KZT 20,000)
• Individual Entrepreneurs (IEs):
  • 0.7% – for new customers (minimum KZT 5,000)
  • 0.5% – for existing customers (minimum KZT 5,000)

Fee Charging Procedure: The fee is charged once and is calculated based on the amount of the Credit Limit on the Account (CLA).