Private Customers
Deposits
Rakhmet Deposit

Rakhmet Deposit

A deposit caring of your future

13,10 - 17,00% (AEIR 13,90 - 18,40%)

Open a deposit Open a deposit

Find out how much money you will earn on your deposit

Currency

Deposit Amount

Я в приоритетной категории

Deposit Period

Our Offer

Deposit Rate

AEIR

Amount at maturity

Премия государства

Из них вознаграждение

Currency

Deposit Amount

Я в приоритетной категории

Deposit Period

Our Offer

Deposit Rate

AEIR

Amount at maturity

Премия государства

Из них вознаграждение

Application Form

Full Name

IIN

Phone Number**

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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

Guaranteed income

3 months — up to 18,00% p.a.
6 months — up to 18,40% p.a.
12 months – up to 14,90% p.a.

Long-term strategy

Non-withdrawable deposit allows for efficient saving and budget planning

Deposit Terms

Interest rate	13,10 - 17,00% (AEIR 13,90 - 18,40%)
Deposit period	3, 6, 12 months
Deposit currency	KZT, USD
Minimum deposit amount	KZT 500,000, USD 1,000
Partial withdrawal	Not applicable
Additional contributions	Not applicable
Auto-renewal	Allowed If the deposit is opened before 02 December 2020, there is an automatic renewal for : 3, 6 and 12 months – 3 renewals; If the deposit is opened after 02 December 2020, an automatic renewal is not available. The deposit is to be rolled over to Champion deposit for a period of 13 months.
Interest payment frequency	Monthly
Premature withdrawal option	Upon expiry of 30 calendar days from the date of the customer’s application, interest shall be paid at the rate of Demand deposit effective on the Contract termination date.
Type of Deposit pursuant to the Civil Code of the Republic of Kazakhstan	Savings deposit
Maximum deposit insurance coverage amount (limit)	KZT 20,000,000 for deposits in national currency KZT 5,000,000 on deposits in foreign currency

Documents

Interest Rates on Deposits

24.10.2025

Interest Rates on Terminated Deposits

05.12.2024

FAQ

You can open a deposit in two ways:

Online via bcc.kz app

Download and register in bcc.kz app (here is a QR code for downloading the mobile app)
Point your phone camera at the QR code and download the mobile app
Select Products -> Deposits -> Rakhmet on the home screen

At the Bank branch
Select the Bank branch (View on the Map button)
Our managers at the branch will give you all the details and help you open a deposit

- Citizens 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 the 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 will also need an employment contract concluded with a Company registered in the Republic of Kazakhstan and/or a certificate of employment from an organization registered in the Republic of Kazakhstan, a student ID card or a certificate from an educational institution in the Republic of Kazakhstan, or a document issued by a medical treatment facility of the Republic of Kazakhstan.

You can open any number of deposits without limitations.

You can open a deposit online via the bcc.kz app or at our Bank branch.

Top-ups and withdrawals are not applicable to Rakhmet deposit

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