KazakhstanKZTKazakhstani Tenge
Tenge on a Kaspi or Halyk card - without interbank transfers and losses from double conversion. You send rubles, dollars, or USDT: we credit KZT at the market rate. Commission from 0.9%, the route is agreed upon before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Kazakhstan is one of the most popular destinations for transfers from Russia. There are several reasons: a developed banking infrastructure and a large number of Kazakhs working in Russia who regularly send money home. Kazakhstan's banking system works with international payments, though some operations may depend on banks' sanctions restrictions. The tenge-to-ruble exchange rate and the reverse conversion of Kazakhstani tenge to rubles are visible in the calculator before sending, so you can verify the receipt amount in advance. As a result, it's one of the most predictable and fastest corridors on our list.
The recipient's main tool is Kaspi Gold. It's not just a card: Kaspi.kz is a popular financial super-app with a marketplace, loans, and transfers. Kaspi Gold is one of the most common receiving routes: if the recipient already has a Kaspi Gold card, opening an additional bank account is not required. For those who prefer traditional banks, Halyk Bank, Bank CenterCredit, and others accept SWIFT and card deposits, but may request confirmation of the source and purpose of payment for operations with funds originating from Russia — warn the recipient about this in advance.
MIR card acceptance in Kazakhstan is limited and depends on the specific bank, so you should clarify this route in advance. Before sending, check with the recipient: does he or she have Kaspi Gold — if yes, this is the simplest route. The National Bank of Kazakhstan publishes the tenge exchange rate daily; the tenge has a freely floating exchange rate and can be exchanged for dollars or rubles at banks and exchange offices according to their terms and currency availability.
Kazakhstan's payment ecosystem Country Kazakhstan Currency of receipt KZT (tenge) Currency of sending RUB, USD, EUR, USDT. Transfer method: Visa/Mastercard bank card, bank account, or cash. ATM24 commission from 0.9%. Settlement time: from a few minutes.
Kazakhstan's payment ecosystem Category System / Wallet Description Super-app — Kaspi Pay — Kaspi's payment service for businesses: QR payments, transfers, and other financial tools. Instant transfers — NBRK Instant Payment System — Interbank transfers by phone number in seconds; MIR card acceptance in Kazakhstan is limited and depends on the specific bank. Super-app Homebank Halyk Bank application: transfers, payments, QR payments at merchants throughout the country. QR payments — Wooppay — Kazakhstani payment wallet, QR acceptance for businesses and individuals. Regulator NBK (National Bank of Kazakhstan) nationalbank.kz - regulator of all banks and payment systems of Kazakhstan. Bank hours — depend on the specific bank and branch; time zone UTC+5 (Almaty/Astana); Kaspi online banking — 24/7.
Visa and Mastercard from Kazakhstani banks - Kaspi, Halyk, ForteBank, Jusan, and others. You need 16 card digits and the recipient's full name. KZT credited within a few minutes after request confirmation, commission from 0.9%
KZT distribution through our partner network in major cities of Kazakhstan. Convenient if the recipient needs cash without a bank account. Current list of cities available from the manager when submitting your request
After submitting your request, you'll see the final KZT amount to be paid out: it won't change while payment is processing, even if the tenge exchange rate fluctuates during that time.
We accept RUB, USD, EUR and USDT — we pay out in KZT
RUB KZT
4.85per 1 RUB
10 000 ₽ = 48 490 KZTUSD KZT
430.49per 1 USD
100 $ = 43 049 KZTEUR KZT
495.2per 1 EUR
100 € = 49 520 KZTUSDT KZT
430.49per 1 USDT
100 USDT = 43 049 KZT| You send | Payout in KZT |
|---|---|
| 100 USDT | 43 049 KZT |
| 300 USDT | 129 146 KZT |
| 500 USDT | 215 244 KZT |
| 1 000 USDT | 430 488 KZT |
| 5 000 USDT | 2 152 438 KZT |
Where recipients usually get the money in Kazakhstan
The country's largest traditional bank by assets. SWIFT HSBKKZKX. Extensive network throughout Kazakhstan, accepts SWIFT transfers in KZT and USD. Visa and Mastercard cards, ATMs in every city.
Kazakhstan's largest fintech ecosystem. SWIFT CASPKZKA. Kaspi Gold and Visa cards, P2P transfers through Kaspi Pay in seconds. Accounts open online without visiting the office.
Universal retail bank with offices throughout the country. SWIFT IRTYKZKA. Accepts SWIFT transfers in KZT and USD. Visa and Mastercard cards.
Bank CenterCredit — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Formerly Sberbank Kazakhstan, operating independently since 2022. SWIFT BREKKAZK. Maintains a wide network of offices and ATMs, accepts transfers in KZT.
National currency
KZT (Kazakhstani tenge). ATM24 credits in tenge - conversion from RUB/USD/EUR at the rate at the time of transaction.
Card systems
Visa and Mastercard are widely accepted. MIR cards are accepted by most banks in Kazakhstan. National card infrastructure - Kaspi Pay (QR and Kaspi Gold cards).
Payment applications
Kaspi.kz - the largest financial super-app: P2P, QR payments, utilities. Homebank (Halyk Bank) and Wooppay are also popular. The ATM24 credit channel depends on the route.
Interbank transfers
KCMR (Kazakhstan Center for Interbank Settlements) - instant transfers between banks by phone number. SWIFT is accepted through Halyk Bank, Kaspi Bank, Jusan Bank, and others.
Financial regulator
National Bank of Kazakhstan (NBK). Sets the tenge exchange rate, regulates the banking sector, and oversees the country's payment systems.
Special features for ATM24
Kazakhstan has not joined Western sanctions, however some banks have imposed restrictions on incoming transfers from Russia. ATM24 clarifies the current route (bank account, MIR card, or Kaspi) before confirming your request.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Manager Stanislav helped to sort things out, the rate is very pleasant, I recommend it.
Read full reviewI needed cash in Thailand, exchanged a not very large amount, manager Emil helped with the exchange. I was left with the best impressions, he explained and showed everything as thoroughly as possible, helped find the nearest ATMs, responded quickly to all questions, thank you very much!
Read full reviewATM24 service made it possible to get dirham cash in the UAE without any problems in exchange for a ruble transfer. Operator Ekaterina responded quickly and gave clear instructions. I don’t know how convenient the procedure is in other countries, but in the Emirates it turned out to be simply elementary: you can get cash by code at ATMs of two banks that are everywhere here. A lifesaver for people who now, for example, don’t travel often enough to get a foreign card, and faced the need to get more local currency somewhere. Used it for the first time and I’ll definitely keep it in mind)
Read full reviewThe rate is favorable, exchanged in 40 minutes, operator Ekaterina - well done)
Read full reviewTrustpilot
Excellent service! Everything is prompt, reliable. Used it the whole vacation. I recommend it! Special thanks to manager Ekaterina )
Read full reviewExcellent service. Manager Egor explained everything quickly and clearly.
Read full reviewI transferred rubles to baht. My personal manager Alisa worked perfectly, despite some small difficulties related to the banking system. I can confidently recommend the service and Alisa personally! 👍
Read full reviewEverything is quite fast and very convenient, the most favorable rate, thanks to manager Alisa for the prompt work.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers to common questions about tenge, the ruble in Kazakhstan, and transfers from Russia.
To send money to Kazakhstan with payout in KZT through ATM24, start by choosing the recipient route: Kaspi, Halyk Bank, ForteBank, card, or bank account. The manager checks the KZT amount, recipient details, fee from 0.9%, expected timing from 15 minutes, and payment method before the sender pays. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
Yes, a KZT transfer to Kazakhstan can usually be checked for a bank-issued card or account route, including Kaspi, Halyk Bank, or ForteBank. ATM24 confirms the recipient name, card or account format, payout currency, and whether the selected bank supports the requested incoming transfer. If the recipient wants a Kaspi route, it is checked separately from a standard bank-account route. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
KZT transfers to Kazakhstan can be checked through Kaspi, Halyk Bank, ForteBank, Bank CenterCredit, and Jusan Bank. ATM24 separates Kaspi, card payout, and standard bank-account routes. The manager confirms the recipient route before payment.
For a KZT transfer to Kazakhstan, ATM24 checks whether the recipient uses Kaspi, Halyk Bank, ForteBank, card payout, or account payout. Details can include recipient identifier, card or account number, bank name, and payout currency. The KZT route is confirmed before payment. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
A KZT transfer to Kazakhstan can start from 15 minutes when Kaspi, Halyk Bank, ForteBank, card payout, or account payout is confirmed. Timing depends on recipient identifier, route limit, and bank or card response. ATM24 confirms the expected KZT payout time before payment. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
The fee for sending money to Kazakhstan with payout in KZT starts from 0.9% through ATM24. Kaspi, Halyk Bank, ForteBank, and card payouts can have different route conditions, so the manager confirms the KZT amount before payment. If the sender uses an international card or bank transfer, issuer or sending-bank charges may apply separately. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
Yes, payment can be arranged by an available international card, bank transfer, USDT, or another confirmed method while the recipient receives KZT in Kazakhstan. ATM24 checks Kaspi, Halyk Bank, ForteBank, card payout, or account payout before the sender pays. The KZT amount and ATM24 fee are confirmed separately from any charge taken by the sender's bank or card issuer. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
For Kazakhstan, the minimum KZT transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is checked by route: Kaspi, Halyk Bank, ForteBank, account payout, and card payout can have different conditions. For a larger amount, the manager confirms the available KZT limit and possible documents before payment. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
For a large KZT transfer to Kazakhstan, ATM24 checks whether the route goes through Kaspi, Halyk Bank, ForteBank, card payout, or a bank account. The manager may request sender ID, source-of-funds details, recipient data, and amount clarification. The document request is confirmed before payment. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
If you send 1000 USD to Kazakhstan, the live KZT result depends on Kaspi, Halyk Bank, ForteBank, card payout, or account payout: 430,487.55 KZT. ATM24 applies fee from 0.9%, exchange conditions, and route checks before payment. The final KZT amount is fixed in the request. Bank-route examples for Kazakhstan: Kaspi Bank, Halyk Bank, ForteBank, Halyk Savings Bank of Kazakhstan, and Bank CenterCredit.
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