A deposit caring of your future
13,10 - 16,50% (AEIR 13,90 - 17,80%)
Bank Rating
Moody’s - Ba1, Positive (12 July 2024)
S&P Global Ratings - BB-, Positive (18 July 2023)
Open a deposit for an appropriate period - 3, 6 or 12 months
Be sure that your savings are protected
3 months — up to 17,80% p.a.
6 months — up to 16,10% p.a.
12 months – up to 14,90% p.a.
Non-withdrawable deposit allows for efficient saving and budget planning
Interest rate | 13,10 - 16,50% (AEIR 13,90 - 17,80%) |
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 |
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