Frequently Asked Questions
SANDYQ+
How to open a "SANDYQ+" deposit?
A "SANDYQ+" deposit may be opened using the Jýsan mobile application or at a Jýsan Bank branch, subject to the availability of a Jýsan Bank multicurrency card.
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I am not a resident of the Republic of Kazakhstan. How can I open a "SANDYQ+" deposit?
To open the "SANDYQ+" deposit, you are required to visit the closest branch of Jýsan Bank. He/she must produce the following documents:
1. a migration card,
2. a registration certificate,
3. a registration mark in the passport (residence registration together with an address),
4. a certificate issued by the Public Service Center to certify the temporary or permanent residence registration.
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I am not a resident of the Republic of Kazakhstan. Why is the monthly tax deducted from the interests payable to me on the "SANDYQ+" deposit?
From January 1, 2018, pursuant to amendments to the Tax Code of the Republic of Kazakhstan, the Bank shall tacitly withdraw the tax from depositors who have opened a "SANDYQ+" deposit using a foreigner's passport, in case of:
• a monthly payment of the interests
• an early deposit closure
• a prolongation of the deposit period

Nonresidents must pay the tax in the following amount:
• citizens of the countries with preferential taxation – 20%
• citizens of the other countries – 15%
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How many "SANDYQ+" deposits may be opened per client?
An indefinite number of "SANDYQ+" deposits may be opened per client.
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What currency a "SANDYQ+" deposit may be opened in? What are the interest rates?
A "SANDYQ+" deposit may be opened in Tenge, dollars, and Rubles. The interest rate in Tenge is up to 12.1%, in the dollars - up to 1.0%, and in Rubles - up to 1.0%.
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What is the minimum amount required to open a "SANDYQ+" deposit?
The minimum amount required to open the "SANDYQ+" deposit is 100,000 Tenge, 500 dollars, 20,000 Rubles.
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Is there any restriction as to topping up of the "SANDYQ+" deposit?
The "SANDYQ+" deposit is to be opened without the right to top it up.
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For what period may the "SANDYQ+" deposit be opened?
The "SANDYQ+" deposit may be opened for 12 months and 24 months.
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If my "SANDYQ+" deposit is under attachment, will interests still be accrued on the deposit?
Yes, the interests are to be accrued on the "SANDYQ+" deposit, regardless of an attachment.
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Is the "SANDYQ+" deposit guaranteed?
The "SANDYQ+" deposit is covered by the individual deposit guarantee scheme for the amount of 15 million Tenge, and in a foreign currency - 5 million Tenge.
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What should be done to prolong the "SANDYQ+" deposit?
The "SANDYQ+" may not be prolonged. It is necessary to come to a Bank branch and to open a new deposit.
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Is a partial cash withdrawal allowed from the "SANDYQ+" deposit?
No partial cash withdrawal is allowed from the "SANDYQ+" deposit.
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Is it possible to close the "SANDYQ+" deposit from the Jýsan mobile application?
The "SANDYQ+" deposit may be closed solely at the Jýsan Bank branches.
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