Deposit calculator 2026 — Kazakhstan: interest and the KDIF guarantee

The Kazakhstan Deposit Insurance Fund (KDIF) guarantees up to KZT 10 million for term and demand deposits in tenge, up to KZT 20 million for savings deposits in tenge and up to KZT 5 million for foreign currency deposits. The calculator uses KZT 10 million; for a savings deposit the limit is twice as high.

Example for the default values — change any field and the result updates.

Final amount11,047 KZT
Interest earned1,047 KZT
Covered by the deposit guarantee11,047 KZT
Not covered (above the limit)0 KZT

The result is an estimate, not financial or legal advice. Check the exact terms with the company.

Verified companies: Banks · Kazakhstan

  1. 1Банк ЦентрКредит87/100
  2. 2Нурбанк80/100
  3. 3Home Credit Bank80/100
  4. 4Altyn Bank77/100
  5. 5Bereke Bank75/100

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How it is calculated

Interest is calculated monthly at the annual rate ÷ 12. With monthly capitalization it is added to the balance and earns interest itself: final amount = amount × (1 + r)^n, where r is the monthly rate and n the number of months. Without capitalization interest is charged on the principal only and paid out: interest = amount × r × n.

A top-up is added at the end of every month except the last and earns interest from the next month. Interest earned = final amount − the deposit − all top-ups.

The insured amount is the part of the final amount (principal plus interest) within the guarantee limit per depositor and bank; the rest is uninsured. The limit applies to all your accounts in one bank together, so add up your other balances there. Taxes on interest and the bank's own day-count rules are not included.

Frequently asked questions

What is the deposit guarantee in Kazakhstan?

KZT 20 million for savings deposits in tenge, KZT 10 million for term and demand deposits in tenge, KZT 5 million for deposits in foreign currency, per depositor and bank.

Sources