This is a restriction on using the money in your account — you may not be able to withdraw, transfer, or use the funds. Such restrictions are imposed by a government authority, court, or bailiff based on an official order
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Main reasons:
- outstanding debt to government authorities, for example tax debt
- an overdue loan or other debt to banks
- a court decision or an order issued by an authorized authority
You can check the reason in the bank app: «My bank» → select the restricted account or card → «Details».
You can also check on government websites:
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If your account or card is restricted, you will receive a notification in the Alatau City Bank app.
You can find the reason in the app: «My bank» → select the account or card with restrictions → «Details».
You can also check who imposed the restriction on government websites:
- in the tax debt check service https://portal.kgd.gov.kz/en/pages/info-services/info-absence-tax-debt
- in the debtors register https://aisoip.adilet.gov.kz/debtors
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No. The restrictions must be removed first
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Yes, but only if the available balance is higher than the amount of the seizure or restriction.
If the restriction is applied without a specified amount, all transactions on the card will be unavailable.
Important: bonus payments in the app are also not available when an account is seized or restricted
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The timeframe depends on who set the restriction and why.
If the seizure is imposed by a private bailiff, it remains in place until the bank receives a cancellation order or fully executes the related collection order. After that, the restriction is lifted within 3 business days.
If the restriction is set by our bank, it is removed within 1 business day after the debt is fully repaid.
If it is set by other banks, it is removed within 1 business day after our bank receives the cancellation of the payment request.
If the restriction is imposed by the tax authority, it remains active until the bank receives a cancellation notice. After that, transactions become available within 3 business days
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A bailiff is an enforcement officer responsible for executing court decisions and other acts issued by authorized bodies.
• PB — a private bailiff, a licensed individual in Kazakhstan with a higher legal education who is a member of the Republican Chamber of Private Bailiffs
• SB — a state bailiff, a government official serving in the public sector
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A bailiff is required, with the prosecutor’s authorization, to place a seizure on property, including funds in bank accounts, in the amount of the debt.
An account seizure is a restriction that prevents you from using or managing the money in your bank account. An official order is issued for this.
The seizure is applied to the total amount of the enforcement document, which may include:
• the outstanding debt
• the enforcement sanction
• enforcement costs
• payment for the bailiff’s services
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This is a document that allows money to be debited from an account without the account holder’s consent. Сollection orders are issued by the tax authority and bailiffs
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Yes, because a child's card is issued in the name of a parent or guardian, and according to the law, all of the debtor's bank accounts are frozen
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By law, restrictions may be applied to pension payments if there is outstanding debt to government authorities, banks, or other parties. These include account seizures, collection orders, and other types of restrictions
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Yes, you can open a social card for:
• child support payments — money received for child maintenance
• state benefits and social payments
In all other cases, opening new accounts is not possible
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It depends on the type of payments on the account:
• state benefits, social payments, and housing payments — restrictions are not applied
• child support payments — restrictions may be applied (except for bank claims related to loan agreements if agreement terms are violated)
• pensions — restrictions may be applied
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