"Total budget" allows you and your loved ones to easily manage your shared finances. You can invite participants (family, friends) to share expenses and savings. All participants must be clients of the Bank and registered in the mobile app.
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• The savings account is for savings and deposit rewards.
• The card account is used for convenient transfers and transactions.
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"Total budget" product can be opened by individuals - residents of the Republic of Kazakhstan aged 18 years and older who are current clients of the Bank and registered in mobile application.
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You can be the owner of your "Total Budget" product and at the same time participate in one more budget by invitation.
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The owner is an individual with a savings account and a current account set up for managing a Shared budget.
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Participant means an individual, a resident of the Republic of Kazakhstan aged 18 years or older, registered in the application, in whose name an Additional Card has been issued and access to the "Total Budget" product has been granted.
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The "Total budget" product is opened in tenge.
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For savings account - 1 000 tenge, for payment card - no minimum amount is required.
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The maximum amount cannot exceed 25% of the bank’s equity capital.
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The deposit is valid for 12 months, while the payment card is active for 5 years.
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Deposit replenishment is possible in cash and non-cash way.
Replenishment of payment card: not applicable, except for transfer from deposit or return of funds on payment or transfer.
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For the deposit: interest is paid monthly to the savings account. The rate is 14,0% (AEIR is up to 14,9%).
For the payment card: no interest is provided.
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You can find out the amount of accrued interest in mobile application or in the branch of the Bank.
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From the deposit: funds can be withdrawn without restrictions, except for the required minimum balance. Interest is retained.
From the payment card: transactions are only possible within the available deposit balance. Allowed operations include:
– transfers to a phone number or a Alatau City Bank client’s card
– transfers to personal accounts within the Alatau City Bank
– payments for goods and services via the Alatau City Bankmobile app or QR code
Cash withdrawals and transfers to other banks are not available within the Shared budget.
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Funds in the deposit and current account within the Shared budget are protected by the deposit guarantee for individuals, up to 10 000 000 ₸.
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the deposit: it is automatically renewed for the same term at the interest rate applicable at the time of renewal.
For the payment card: it may be automatically reissued.
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Information about the deposit maturity date is specified in the Deposit Application Form, which you can view in the ‘My Bank’ (‘Info’) section of the mobile application.
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You can receive a deposit statement via mobile application or at the branch of the Bank.
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