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Bank's Mobile App
Moya Tsel deposit
Save more, avoid unnecessary spending temptations
14,00 - 18,40% (AEIR 14,90 - 20,00%)
Moya Tsel deposit
Save Up For Your Dream!
14,00 - 18,40% (AEIR 14,90 - 20,00%)
Deposit Benefits
Interest rate of up to 20.00% p.a.
4 ways to top up the deposit
Deposit Period: starting from 3 months
The rate is higher when opened via bcc.kz app
Calculate income you will earn on your deposit
Our Offer
Deposit Rate
AEIR
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Премия государства
Из них вознаграждение
A reliable Bank for your savings
We’ve been multiplying your savings since 1988
Bank Rating
Moody’s - Ba1, Positive (12 July 2024)
S&P Global Ratings - BB-, Positive (18 July 2023)
Convenient deposit period
Open a deposit for an appropriate period - 3, 6 or 12 months
Your deposit is insured by KDIF
Be sure that your savings are protected
Set up top-ups in bcc.kz app
- From every crediting to your card or account.
- From every card or account purchase
- By rounding the amount and accumulating the balance.
- In equal installments, every day or week.
Start with the minimum deposit to achieve your goal
My Goal deposit can be opened starting just from ₸1
Deposit Terms
| Deposit period | 3, 6, 12 months |
| Interest rate | 3 months — up to 20.00% p.a. 6 months — up to 14.90% p.a. 12 months – up to 14.90% p.a. |
| Deposit currency | KZT |
| Minimum deposit amount | 1 KZT |
| Partial withdrawal | Partial deposit withdrawal is not allowed |
| Additional contributions | Allowed |
| Possibility of automatic renewal | Allowed |
| Interest payment frequency | On a monthly basis |
Possibility of early termination | Not later than 7 calendar days from the date of receipt of the depositor's request |
| Deposit type according to the Civil Code of the Republic of Kazakhstan | Term deposit |
| Maximum Deposit Insurance Coverage (Limit) | KZT 10,000,000 |
Frequently Asked Questions
You can open a deposit in two ways: online via bcc.kz app or at the Bank branch.
To open My Goal deposit online:
- Download and register in bcc.kz app
- On the home screen of bcc.kz app, select “New Account or Product”, then “Open a deposit” and “My Goal”.
My Goal deposit can be opened by citizens of the Republic of Kazakhstan aged 14 and over, as well as non-residents. One person can open an unlimited number of deposits.
For residents of Kazakhstan, it is necessary to have the original identity document. You can also open a deposit online via bcc.kz app. No documents are required for this, only your registration in bcc.kz app.
For non-residents, it is necessary to have a foreign passport and a document confirming the purpose of stay in the Republic of Kazakhstan (requested only when opening a current account for a new customer).
You can open any number of deposits without limitations.
You can open a deposit online via bcc.kz app.
Top-ups are available:
1. online via bcc.kz app in the Transfers Between Own Accounts section.
2. via Kassa24, Bank CenterCredit’s cash-in ATMs and self-service terminals. To do this, you need to enter the depositor’s IIN and the last four digits of the account number. Money is to be credited within 15 minutes, the maximum amount is KZT 500,000 (40 bills) per 1 terminal.
3. in cash through a cash desk at our Bank branch. In this case, top-up can be made by a third party.
The deposit interest is calculated as per the below formula:
Deposit Amount X Number of Days for deposit interest accrual in a month X Nominal Interest Rate / 365 Days.
Yes, Bank CenterCredit is a member of the mandatory collective retail deposit guaranteeing (insurance) system of the Republic of Kazakhstan.
Pursuant to the Law of the Republic of Kazakhstan, the amount of insurance coverage payable to depositors for domestic currency deposits is as follows:
● KZT 10,000,000 — for term deposits
● KZT 20,000,000 — for savings deposits
● up to KZT 5,000,000 — for foreign currency deposits
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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
-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
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.
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.
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..
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.
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.
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.
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.
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.
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.)
(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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Чат с банком
Виртуальный помощник
Автоматический чат-бот
Это чат с виртуальным помощником. Пожалуйста, не указывайте ИИН, номер карты или SMS-коды.
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Сообщение не отправлено, так как содержит личную информацию — например, номер карты, ИИН и т. д. Пожалуйста, отправьте запрос без персональных данных.
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