Pay payment card can be opened by individuals - residents of the Republic of Kazakhstan aged 14 years and older:
• From the age of 14 on the date of the conclusion of the contract (for minors - with the consent of one of the parents or guardian) when applying to any department convenient for you with the original identity document. Consent to open a Pay payment card for minor customers is issued in the presence of one of the parents or guardian in the presence of supporting documents (child's birth certificate, certification document, guardianship documents) at the Bank's branch.
• Individuals who are residents of the Republic of Kazakhstan from the age of 18 can open a Pay payment card in the mobile application, or by contacting any branch convenient for you with the original identity document.
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Advantages of the Pay card:
• The opportunity to open up to 4 currency (KZT/USD/EUR/RUB) accounts on one card and manage them in the mobile application;
• The card issue and the first year of service are free of charge;
• Issuance and maintenance of the virtual card are free of charge;
• Withdrawal of money in ATMs of Bank up to 300,000 tenge per month without commission, in other ATMs of the country up to 200,000 tenge per month without commission;
• Contactless payment Apple Pay/Samsung Pay/Google Pay/QR;
• Up to 15% bonuses based on your interests, which you can use on JMart and when making payments in the mobile app.
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Holders of Pay payment cards are presented with 3 levels of bonuses:
The first level is Silver up to 0.5% of bonuses, the second level is Gold up to 1% of bonuses and the third is the maximum Premium level up to 2% of bonuses. The bonus level is assigned on the 1st of each month automatically based on the results of non-cash transactions carried out in the previous month.
In addition to the standard bonuses, up to 2% increased bonuses are provided when choosing "Purchase Categories" in the mobile application.
You can join for free and find out the current bonus level in the application in "My Bank" section.
The list of operations for which bonuses are not provided.
for which bonuses are not provided.
You can use bonuses on the Market and when making payments in the mobile app. You can view the accrued bonuses in the mobile application in "My Bank" section on Single Bonus Account.
The maximum amount of Bonuses within 1 (one) client, regardless of the number of payment cards, including other card products:
• no more 15 000 (fifteen thousand) Bonuses per month – for «Silver» level Clients in the Bonus Program;
• no more 25 000 (twenty five thousand) Bonuses per month – for «Gold» and «Family» level Clients in the Bonus Program;
• no more 40 000 (fourty thousand) Bonuses per month – for «Premium» level Clients in the Bonus Program;
The maximum amount of Bonuses accrued per 1 (one) transaction is no more than 10,000 Bonuses.
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There are several ways to top up the Pay card:
• At the Bank branch,
• At the ATM of the Bank with the cash-in function (with card, as well as without a card by entering the IIN number or mobile phone number of the recipient),
• At Kassa 24, Yurta, Qiwi terminals - without commission,
• By transferring funds to a card or account. We offer you to use the instant transfer
"By phone to RK"
among the banks - participants of the instant payment system.
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If you have a physical plastic, cash withdrawal from the Pay* card is possible in several ways:
• At ATMs of Bank
• At ATMs of other banks in the territory of Kazakhstan and abroad
• At the branch of Bank
Cash withdrawal from a virtual Pay* card is possible:
• Through the "Withdrawal by code"** function at Bank ATMs
• At the branch of Bank,
• At ATMs of other banks in the territory of Kazakhstan and abroad using NFC*** technology (if the ATM is technically possible)
*According to the tariffs of the card a commission charging is possible
**To use the "Withdrawal by code" function, you must:
• Go to the "Transfers" section in the app
• Select the "Cash withdrawal without card" button
• Enter the amount to be withdrawn
• Confirm the transfer via SMS
• You will receive an SMS code for withdrawing funds from ATMs of Bank
• The maximum amount for 1 withdrawal is 300,000 tenge
• The maximum withdrawal amount per day is 1,500,000 tenge
***NFC - Near Field Communication. How to use NFC technology:
• You need to add the card to Apple Pay, Samsung Pay, or Google Pay,
• Take an NFC-enabled smartphone, enable this option on your smartphone
• Make sure the ATM supports NFC
• Put your smartphone
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The details of the Pay payment card are displayed in the mobile application in "My Bank" section, then "Card Details". You can also find out the details by calling the Bank's Call-center by phone 7711 (free call from mobile phones) or +7 7172 587 711 (if you are outside the Republic of Kazakhstan) or contact the Bank's branch.
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CVV/CVC for the Pay card is three-digit code for confirming the authenticity of the payment card, which is located on the back of the card next to the signature field. CVV/CVC is used when making purchases on the Internet and is confidential information, so the Bank strongly recommends not to disclose CVV/CVC data to third parties, even if they are presented as Bank employees.
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Pay virtual card can be reissued independently via mobile application (section “My Bank” > “Payment cards” > “Reissue card”).
The virtual card can be reissued for the following reasons:
• Expiration date;
• On client's initiative.
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Pay physical card can be reissued at the branch of the Bank.
The physical card can be reissued for the following reasons:
• Expiration of the validity period;
• Theft;
• Loss;
• Compromise;
• Mechanical damage / demagnetization.
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• Upon expiration of the validity period, as well as on the initiative of the Bank (upon detection of mechanical damage to the plastic / chip on the card, as well as in case of suspicion of compromising personal data) – 0 tenge;
• At the initiative of the client, before the expiration date / to replace the lost / stolen – 1000 tenge.
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Information about card expiration can be seen in mobile application, in the section “My Bank” > “Card details”
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Transfer operations from the payment card Pay in the Bank's network:
- to another payment card/account opened in the Bank - without commission,
- from a standard Pay card to a payment card of another bank in the Republic of Kazakhstan – 0.5%, at least 250 tenge (the limit for 1 operation is 1,000,000 tenge)
- from the salary Pay card to a payment card of another bank in the Republic of Kazakhstan – 0.2%, at least 200 tenge (the limit for 1 operation is 1,000,000 tenge)
Transfer operations from the Pay card outside the Bank's network:
- to the payment card of another Bank in the Republic of Kazakhstan – 1%, at least 1000 tenge (the limit for 1 operation is 1,000,000 tenge).
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Receiving cash from the Pay card:
• At ATMs of Bank up to 300,000 tenge per month without commission, over 300,000 tenge-1% of the amount;
• At ATMs of other banks in the territory of the Republic of Kazakhstan, up to 200,000 tenge per month (inclusive) - without commission, over 200,000 tenge-1% of the amount;
• At ATMs of banks outside the Republic of Kazakhstan-1% + 1000 tenge.
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If you have lost your Pay payment card, firstly, you need to block the card:
• In the mobile application;
• By contacting the Bank's Call-center by phone 7711 (free call from mobile phones) or +7 7172 587 711 (when located outside the Republic of Kazakhstan).
Then please visit the nearest Bank branch to receive money and reissue the card.
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It is possible to block the Pay payment card on a permanent basis (in case of loss, theft) and temporarily at any time:
• In the mobile application,
• By contacting the Bank's Call-center by phone 7711 (free call from mobile phones) or +7 7172 587 711 (if you are outside the Republic of Kazakhstan).
You can unlock the temporarily blocked card by yourself in the mobile application or at the Bank branch.
A card that is permanently blocked (due to loss, theft or fraud) cannot be unblocked, the card must be reissued at the Bank branch.
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In case of a disputable (disputable) situation with the use of the card at ATM, you need to contact the branch of Bank, with an application, where you need to specify the address and name of the Bank that owns ATM. Your application will be considered within no more than 30 (thirty) calendar days from the date of applying to the Bank, as well as no more than 45 (forty-five) calendar days from the date of receipt of such an appeal in the case of using the payment card outside the Republic of Kazakhstan. The term of consideration and preparation of a response to the Client's request is made within the time limits established by the legislation of the Republic of Kazakhstan and the rules of payment systems (Visa/Mastercard).
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If ATM did not issue the card, then first of all it must be blocked in the mobile application or by calling the Call-center of the Bank at 7711 (free call from mobile phones). Next, you need to contact the nearest branch of Bank to write an application for withdrawal of the card or for reissuing a new card.
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It is possible to close the Pay payment card in the mobile application (section «Bank» -> «Payment cards» -> «Close the card»)
Before closing the card in the mobile application, please make sure to comply with the following conditions:
• no blocked amount on the card;
• no unpaid debt on the card;
• no arrest on the account;
• the card account is not linked to the valid deposit agreement;
• the card account is not linked to the valid loan agreement (the repayment of the monthly loan payment for the debt can not be carried out through closed payment card).
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The card can not be closed in the following cases:
• if the account is arrested or other restrictions are imposed, the closure of the card will become available only after the removal of encumbrances from the account;
• if there is an unpaid debt on the card (overdue/receivable, including accrued commissions and/or other debts), the closure of the card will become available only after repayment of the debt;
• if the card account is linked to the valid deposit agreement, the card closure will become available after the expiration of the agreement;
• if the card account is linked to the valid loan agreement (the repayment of the monthly loan payment is carried out through a payment card), the card closure will become available after the complete fulfillment of obligations under the loan agreement;
• if you have a card with credit limit which was issued by ATFBank;
• if there are blocked* amounts on the account, card closure will become available only when there are no blocked amounts.
*When conducting debit transactions (payment for goods and services, receiving cash and etc.), the Bank "blocks" the transaction amount, that means, the Bank excludes it from the amount of available funds until it receives confirmation of the transaction. The term of blocking the amount is no more than 30 calendar days from the date of blocking.
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There are 2 ways to get the statement:
• In the mobile application, it is possible to download the statement by selecting "Download PDF" function;
• By visiting the nearest branch of the Bank.
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