You can open a AQYL deposit through the mobile app or at a branch. At a branch, the child’s ID or birth certificate is required
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Only citizens of Kazakhstan
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One deposit
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The "AQYL" deposit can be opened only in the national currency - tenge.
The interest rate is up to 14,1 % (annual effective remuneration rate is up to 15,0 % )
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1000 tenge
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36 months with auto-renewal
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Yes. It is covered by the deposit guarantee system for individuals up to 10 million ₸
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Partial withdrawals from the AQYL deposit are not allowed. The only exception is transferring funds to an educational institution through a bank branch
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The AQYL deposit is automatically renewed for the same term at the interest rates effective on the renewal date
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5% per annum.
7% per annum for priority categories:
• orphans and children without parental care — up to 23 years old
• children with disabilities
• children from large families of four or more children
• children from low-income families
The state premium is credited annually based on the balance as of January 1 and added to the deposit amount, provided that the minimum savings period is 1 year and the maximum amount eligible is 100 MCI. The maximum state premium accrual period is 20 years
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The state premium stops accruing:
• after 20 years from the deposit opening date
• after the deposit agreement expires
• as of the date of the depositor’s death, being declared missing, legally incapacitated, or declared deceased
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The deposit may be managed by the depositor or his legal representative.
The full deposit amount may be transferred to another bank participating in the program, no more than once per year.
When an educational grant is received, the depositor may:
• continue saving on the deposit
• transfer the funds to the educational deposit of another citizen of Kazakhstan
• withdraw the funds together with the interest and the state premium
• use the funds to pay for tuition to pursue other levels of education
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You need to visit a bank branch.
The state premium will not be retained:
• if the deposit is closed at the request of the depositor or his legal representative
• three years after the depositor leaves the educational institution
• if the premium was paid but the deposit was held for less than the required period
• if the depositor changed citizenship
• if the premium was credited in excess of the eligible amount
The state premium will be retained:
• if funds remain in the deposit after educational services have been fully paid
• if the depositor receives a grant
• in the event of the depositor’s death, being declared missing, legally incapacitated, declared deceased, or being unable to continue education due to health reasons
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The AQYL deposit cannot be frozen or seized — the funds are fully protected
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From the deposit "AQYL", payment for educational services is made at the request of the depositor with the submission of supporting documents (copies of educational services agreement with the university, invoice for payment and other documents).
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The Unified Voluntary Savings System “Keleshek” is a state program designed to help families save for their children’s education.
It connects banks and government institutions, allowing parents to open an AQYL deposit and receive state support in the form of:
• Start Educational Capital (SOC) – a one-time payment when the child turns 5;
• Annual state bonus on the accumulated balance.
The goal of the program is to support families in building savings for their children’s future education.
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SOC (Start Educational Capital) is a one-time payment from the state credited to the child’s deposit when they turn 5 in the current year.
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If the child turns 5 between January 1 and June 30 – SOC is credited by August 31; if between July 1 and December 31 – by February 28 of the next year.
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Yes. To keep the SOC, you must make annual contributions at least the required minimum — 24 MRP for regular children and 12 MRP for children from socially vulnerable groups.
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The state SOC will be returned to the budget, and the depositor will lose the right to it.
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Yes, you can. But SOC will not be credited, only interest and state bonus apply.
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