«REPUBLIC OF KAZAKHSTAN
ҰЛТТЫҚ БАНКІ»
РЕСПУБЛИКАЛЫҚ
МЕМЛЕКЕТТІК МЕКЕМЕСІ
РЕСПУБЛИКАНСКОЕ
STATE INSTITUTION
«НАЦИОНАЛЬНЫЙ БАНК
РЕСПУБЛИКИ КАЗАХСТАН»

БАСҚАРМАСЫНЫҢ
ҚАУЛЫСЫ
ПОСТАНОВЛЕНИЕ
ПРАВЛЕНИЯ

31 August 2016
Almaty city
No. 208 city of Almaty

On approval of the Rules for making non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan

Registered with the Ministry of Justice of the Republic of Kazakhstan on 15 November 2016 No.
14419

(as amended and supplemented as of 24.09.2019)

In accordance with the laws of the Republic of Kazakhstan of 30 March 1995 "On the National Bank of the Republic of Kazakhstan", of 26 July 2016 "On Payments and Payment Systems", for the purpose of establishing the procedure for making non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan, the Board of the National Bank of the Republic of Kazakhstan DECIDES:

1. To approve the attached Rules for making non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan (hereinafter - the Rules).

2. To recognize as no longer in force certain resolutions of the Board of the National Bank of the Republic of Kazakhstan, as well as structural elements of certain resolutions of the Board of the National Bank of the Republic of Kazakhstan, according to the list in accordance with the appendix to this resolution.

3. The Department of Payment Systems (Ashykbekov E.T.) shall, in the procedure established by the legislation of the Republic of Kazakhstan, ensure:

1) together with the Legal Department (Sarsenova N.V.), the state registration of this resolution with the Ministry of Justice of the Republic of Kazakhstan;

2) sending this resolution to the republican state enterprise with the right of economic management "Republican Center for Legal Information of the Ministry of Justice of the Republic of Kazakhstan": for official publication in the information and legal system "Әділет" within ten calendar days after its state registration with the Ministry of Justice of the Republic of Kazakhstan; for inclusion in the State Register of Normative Legal Acts of the Republic of Kazakhstan, the Reference Control Bank of Normative Legal Acts of the Republic of Kazakhstan within ten calendar days from the day of its state registration with the Ministry of Justice of the Republic of Kazakhstan;

3) posting this resolution on the official internet resource of the National Bank of the Republic of Kazakhstan after its official publication.

4. The Department for the Protection of the Rights of Consumers of Financial Services and External Communications (Terentyev A.L.) shall ensure that this resolution is sent for official publication to periodical printed publications within ten calendar days after its state registration with the Ministry of Justice of the Republic of Kazakhstan.

5. Control over the execution of this resolution shall be entrusted to the Deputy Chairman of the National Bank of the Republic of Kazakhstan Pirmatov G.O.

6. This resolution shall enter into force upon the expiry of ten calendar days after the day of its first official publication, except for:

1) paragraph 55, paragraphs 128, 137, 138, 139 of the Rules, which enter into force on 1 January 2017;

2) part seven of paragraph 15, paragraphs 16, 35, 36, 38, 40, 42, 60 and subparagraph 4) of paragraph 80 of the Rules, in the part concerning mandatory pension contributions of the employer, which enter into force on 1 January 2018;

3) part two of paragraph 72, part two of paragraph 79 of the Rules, which enter into force on 1 June 2017.

7. Part one of paragraph 72 and part one of paragraph 79 of the Rules shall be in effect until 1 June 2017.

Chairman of the National Bank
D. Akishev

«APPROVED»
Minister of Justice of the Republic of Kazakhstan B. Imashev «___» ________ 2016

«APPROVED»
Minister of Health and
Social Development of the Republic of Kazakhstan T. Duysenova «___» ________ 2016

«APPROVED»
Minister of Finance of the Republic of Kazakhstan B. Sultanov «___» ________ 2016

Approved by resolution of the Board of the National Bank of the Republic of Kazakhstan of 31 August 2016 No. 208

Rules for making non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan

Chapter 1. General provisions

Chapter 2. Payment documents

Paragraph 1. Execution of payment documents

Paragraph 2. Payment order

Paragraph 3. Payment order

Paragraph 4. Payment notice

Paragraph 5. Payment demand

Paragraph 6. Collection order

Chapter 3. General requirements for the procedure of presentation and execution of payment documents

Paragraph 1. Presentation of payment documents

Paragraph 2. Execution of a payment document

Paragraph 3. Grounds for the bank's refusal to execute a payment document

Paragraph 4. Revocation and suspension of execution of an instruction

Chapter 4. Making non-cash payments and (or) money transfers, as well as execution of third parties' claims

Paragraph 1. Execution of a payment order

Paragraph 2. Execution of a payment notice

Paragraph 3. Specifics of making non-cash payments and (or) money transfers without opening a bank account

Paragraph 4. Execution of a payment by direct debiting of a bank account

Paragraph 5. Specifics of execution of a payment demand for recovery of overdue debt under a loan from a current account of an individual under a loan agreement

Paragraph 6. Execution of a payment order

Paragraph 7. Execution of a collection order

Paragraph 8. Execution of payment documents in the card index

Paragraph 9. Execution of a standing instruction of the sender of money

Paragraph 10. Execution of third parties' claims (arrest and suspension of debit operations)

Paragraph 11. Return of money on non-cash payments and (or) money transfers

Paragraph 12. Unauthorized payments

Paragraph 13. Transitional provisions

Appendix 1. Payment order

Appendix 2. Payment order for payment of payments to the budget

Appendix 3. Application for money transfer

Appendix 4. Consolidated payment order

Appendix 5. Registers of senders of money and beneficiaries to the consolidated payment order

Appendix 6. Payment order

Appendix 7. Receipt (for individuals)

Appendix 8. Receipt (for individual entrepreneurs)

Appendix 9. Receipt (for legal entities)
Appendix 10. Receipt (for pension contributions)
Appendix 11. Receipt (for social contributions to the State Fund
of social insurance, contributions and (or) payments to the fund of social medical insurance)
Appendix 12. Payment demand
Appendix 13. Register of payment demands
Appendix 14. Collection order
Appendix 15. Collection order of the state revenue body
Appendix 16. Instruction on revocation of a payment document
Appendix 17. Instruction on suspension of execution of a payment document
Appendix 18. Standing instruction of the sender of money

Chapter 1. General provisions

Paragraph 1 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

1. These Rules for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan (hereinafter - the Rules) have been developed in accordance with the Code of the Republic of Kazakhstan dated 25 December 2017 "On taxes and other obligatory payments to the budget" (Tax Code) (hereinafter - the Tax Code), the laws of the Republic of Kazakhstan dated 30 March 1995 "On the National Bank of the Republic of Kazakhstan", dated 26 July 2016 "On payments and payment systems" (hereinafter - the Law on payments and payment systems) and determine the procedure for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan by banks and organizations carrying out certain types of banking operations (hereinafter - banks), the forms and procedure for executing payment documents, and also establish requirements for the content of a document confirming the provision of a payment service by banks, payment agents and payment subagents of banks and payment organizations.

These Rules do not apply to relations related to international non-cash payments and money transfers initiated outside the Republic of Kazakhstan, which are regulated by contracts and business customs applied in banking practice, taking into account the requirements established by the Law of the Republic of Kazakhstan dated 28 August 2009 "On countering the legalization (laundering) of proceeds from crime and the financing of terrorism" (hereinafter - the Law on AML/CFT).

The Rules do not apply to relations related to payments and (or) money transfers made using a payment card, conducting operations with transferable and simple bills of exchange and the use of checks in the territory of the Republic of Kazakhstan.

2. The procedure for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan includes the execution of payment documents, presentation and execution of payment documents, specifics of making non-cash payments and (or) money transfers without opening a bank account, execution of a non-cash payment by direct debiting of a bank account.

Paragraph 3 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see the old version); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

3. The Rules use the concepts provided for in Article 1 of the Law on payments and payment systems, as well as the following concepts:

1) application for money transfer - a payment document used by the sender of money when making a non-cash payment and (or) money transfer in the cases provided for in paragraph 17 of the Rules;

2) debit transfers - non-cash payments and (or) money transfers made by presenting to the bank a payment demand, payment order, collection order by the beneficiary for their payment by the sender of money;

3) card index - off-balance accounting of unexecuted and (or) partially executed payment documents in the absence or insufficiency of the necessary amount of money in the bank account of the sender of money for their execution;

4) credit transfers - non-cash payments and (or) money transfers made by the initiator submitting to the sender's bank a payment order, consolidated payment order, payment order, payment notice or application for money transfer;

5) authorized persons - persons vested with authority in accordance with the requirements of the Civil Code of the Republic of Kazakhstan (General Part) of 27 December 1994 (hereinafter - the Civil Code) (constituent documents, power of attorney, order, other documents) to sign on behalf of legal entities, separate subdivisions of legal entities (branches, representative offices, territorially separate subdivisions) payment documents when performing operations related to maintaining a client's bank account (disposing of money in a bank account) in accordance with the document with specimen signatures.

4. The procedure for making non-cash payments and (or) money transfers from accounts opened with the central authorized body for budget execution is determined by Articles 97 - 100-1 of the Budget Code of the Republic of Kazakhstan of 4 December 2008 and Order of the Minister of Finance of the Republic of Kazakhstan of 4 December 2014 No. 540 "On approval of the Rules for budget execution and its cash servicing" (registered in the Register of state registration of normative legal acts under No. 9934).

5. Non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan are carried out using bank accounts and without opening bank accounts in tenge or in foreign currency in accordance with the requirements of Articles 25, 45 - 57 of the Law on payments and payment systems, Article 16 of the Law of the Republic of Kazakhstan of 13 June 2005 "On currency regulation and currency control" (hereinafter - the Law on currency regulation and currency control), Articles 5, 7, 12 and 13 of the Law on AML/CFT and the Rules.

Non-cash payments and (or) money transfers without opening a bank account include payments and (or) money transfers in which the sender of money and (or) the beneficiary do not use bank accounts, and which are made by depositing cash for its transfer in favor of the beneficiary specified by the sender of money and (or) receipt of cash by the beneficiary.

Paragraph 6 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan of 27.08.18 No. 182 (see old wording)

6. Non-cash payments and (or) money transfers are carried out on the basis of payment documents of the sender submitted in electronic form or on paper, as well as generated in the bank's system using remote access systems.

The forms of payment documents drawn up on paper are determined by the Rules. Payment documents sent in electronic form contain the details established by the Rules for each type and form of payment document.

Signatures of authorized persons on payment documents submitted by legal entities not related to private entrepreneurship entities on paper are sealed with a stamp.

Chapter 2. Payment documents

Paragraph 1. Execution of payment documents

Paragraph 7 has been amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan of 27.08.18 No. 182 (see old wording)

7. A payment order, payment request, collection order, payment order, payment notice and application for transfer (hereinafter - payment document) on paper and (or) in electronic form, with the exception of an application for money transfer in foreign currency, contain the following details:

1) name of the payment document;

2) number of the payment document, day, month, year of its issuance, which are indicated in figures.

In payment documents submitted on paper, the month may be indicated in words;

3) full or abbreviated name, including the organizational and legal form of the legal entity, branch, representative office, territorially separate subdivision (hereinafter - separate subdivisions);

4) full or abbreviated name of the individual entrepreneur, organizational and legal form (if any) of the sender of money and the beneficiary;

5) full or abbreviated name of the individual entrepreneur carrying out activities in the form of personal entrepreneurship, surname, name, patronymic (if any) of the sender of money and the beneficiary;

6) surname, name, patronymic (if any) of the individual sender of money and the beneficiary;

7) individual identification code of the sender of money and the beneficiary.

If an individual does not have an individual identification code, the data of the identity document, as well as the postal address (country, city, street, house and apartment number) shall be indicated.

It is allowed to indicate the name and patronymic (if any) by initials;

8) full or abbreviated name, including the organizational and legal form, of the sender's bank and the beneficiary's bank, their bank identification codes;

9) purpose of payment, as well as its code designation.

The correctness of the code designation of the purpose of payment in payment documents is ensured by the initiator;

10) amount of payment indicated in figures and in words. Tiyns in the amount in words are indicated in figures.

If the payment amount in figures is expressed in tenge, without indicating tiyns, then tiyns in the amount in words are not indicated;

11) individual identification number (hereinafter - IIN) or business identification number (hereinafter - BIN) - of the sender of money and the beneficiary, except for payment documents in which the indication of IIN (BIN) is not required in cases provided for by the Rules, as well as when the sender of money or the beneficiary are foreigners and stateless persons for whom the formation of IIN (BIN) is not carried out in accordance with Article 76 of the Tax Code.

In payment documents in which the indication of the IIN (BIN) of the sender of money is not required, the address of the sender of money (for individuals and legal entities) or the details of the identity document of the sender of money (for an individual) shall be indicated;

12) sender's money code (SMC) and beneficiary code (BC);

13) signatures of the initiator or their authorized persons;

14) excluded in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old version)

The Chapter is supplemented with paragraph 7-1 in accordance with the resolution of the Board of the National Bank of the RK dated 29.11.18 No. 302

7-1. When making payments and (or) money transfers via bank accounts, in the payment document for the beneficiary, instead of the details provided for by subparagraphs 3), 4), 5), 6), 7), 11) and 12) of paragraph 7 of the Rules, in accordance with the requirements of the payment system's functioning, the initiator is allowed to indicate only an alternative identifier.

For the purposes of this paragraph, an alternative identifier means individual details, including in the form of alphanumeric characters, which allow identifying the client and making a payment and (or) money transfer through the payment system.

Paragraph 8 was amended in accordance with the resolution of the Board of the National Bank of the RK dated 22.12.17 No. 248 (see old version); was set out in the wording of the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old version)

8. The signatures of the initiator or their authorized persons in payment documents on paper, with the exception of a payment claim and a collection order, correspond to the signature(s) indicated in the document with specimen signatures submitted in the form provided for by the Rules for opening, maintaining and closing clients' bank accounts, approved by the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 207, registered in the Register of State Registration of Normative Legal Acts under No. 14422.

A payment document in electronic form is signed with an electronic digital signature of the initiator or their authorized persons or is certified by other elements of protective actions provided for by Article 56 of the Law on Payments and Payment Systems, confirming that the payment document was drawn up by the initiator or their authorized person.

9. The name of the sender of money and the beneficiary, as well as their individual identification codes, are indicated in the payment document once, with the exception of a payment document for the payment of payments to the budget, as well as a consolidated payment order.

10. It is allowed to indicate in payment documents, at the bank's request, the purpose of the payment and (or) money transfer in accordance with paragraph 2 of Article 19 of the Law on Currency Regulation and Currency Control, information on tax residency, the address of the sender of money or the number of the identity document of the sender of money (for an individual), in accordance with Articles 5 and 7 of the Law on AML/CFT, as well as the Rules.

11. A payment document, an order to revoke a payment document or to suspend the execution of a payment document is formed and sent in electronic form subject to compliance with the procedure for protective actions against unauthorized payments in accordance with Article 56 of the Law on Payments and Payment Systems.

12. A payment document, an order to revoke a payment document or to suspend the execution of a payment document is transmitted by the bank via facsimile communication in compliance with the procedure for protective actions against unauthorized payments and (or) money transfers, as well as other elements of protective actions established by Article 56 of the Law on Payments and Payment Systems and the Rules.

13. A payment document is drawn up in the Kazakh and (or) Russian languages.

Additional drawing up of payment documents in other languages is allowed in cases established by an agreement between the bank and its client.

14. It is not allowed to indicate in payment documents a condition on their partial execution, with the exception of collection orders of the authorized body, within its competence ensuring the receipt of taxes and other obligatory payments to the budget, as well as performing other powers provided for by the legislation of the Republic of Kazakhstan, (hereinafter - the state revenue body), bailiffs and payment claims for the recovery of overdue loan debt.

Paragraph 2. Payment order

Paragraph 15 is set out in the wording of the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old version)

15. A payment order is an instruction from the sender of money to the bank for a non-cash payment and (or) money transfer in favor of the beneficiary in the amount and in accordance with the details specified in the payment order.

To make a non-cash payment and (or) money transfer in favor of the beneficiary in the national currency of the Republic of Kazakhstan on the territory of the Republic of Kazakhstan, the sender of money submits to the bank a payment order in the form according to Appendix 1 to the Rules.

To pay payments to the budget, the sender of money submits a payment order for the payment of payments to the budget in the form according to Appendix 2 to the Rules.

It is allowed for the sender of money to submit, for the payment of payments to the budget, a payment order in the form according to Appendix 1 to the Rules.

In the "purpose of payment" field, the sender of money indicates the purpose of the payment, the name, number and date of the document (if any) on the basis of which the non-cash payment and (or) money transfer is made and other details provided for by the Rules, and in the "payment purpose code" field, the code designation of the payment is indicated.

When paying payments to the budget, the payment order shall indicate the numeric designation of the budget classification code. The correctness of indicating the budget classification code in the payment order is ensured by the sender.

When a legal entity pays payments to the budget, as well as mandatory pension contributions, mandatory employer pension contributions, mandatory professional pension contributions and social contributions to the State Social Insurance Fund, deductions and (or) contributions to the social health insurance fund for its separate structural subdivision, in the "payment purpose" field the BIN and name of the separate structural subdivision of the legal entity for whose obligations the payment is made, and the payment purpose shall be indicated in the following sequence.

When paying vehicle tax (including through electronic terminals), in the "payment purpose" field the following shall be indicated in the following sequence: "VIN", the identification number of the vehicle, the symbols "/V", and the payment purpose.

When a bailiff, within the framework of enforcement proceedings, pays payments to the budget for the debtor's obligations, in the "payment purpose" field the following shall be indicated in the following sequence: the IIN of the debtor for whom the payment is made, his surname, name, patronymic (if any) or surname and initials, and the payment purpose.

When paying fines for administrative offenses, in the "payment purpose" field the following shall be indicated in the following sequence: "ADM", the identification number of the administrative case, the symbols "/A", and the payment purpose.

Paragraph 16, in the part concerning mandatory employer pension contributions, was put into effect on 1 January 2018

16. When making non-cash payments and (or) money transfers for the payment of mandatory pension contributions, mandatory employer pension contributions, mandatory professional pension contributions or social contributions to the State Social Insurance Fund, deductions and (or) contributions to the social health insurance fund, the sender, simultaneously with the payment order, shall submit to the bank a list of persons for whom the said contributions and (or) deductions are paid.

Lists of persons for whom mandatory pension contributions, mandatory employer pension contributions, mandatory professional pension contributions or social contributions to the State Social Insurance Fund, deductions and (or) contributions to the social health insurance fund are paid (hereinafter - the list) shall be drawn up in accordance with the Rules for the Calculation and Transfer of Social Contributions approved by Decree of the Government of the Republic of Kazakhstan No. 683 dated 21 June 2004, and the Rules and Deadlines for the Calculation, Withholding (Accrual) and Transfer of Mandatory Pension Contributions, Mandatory Professional Pension Contributions to the Unified Accumulative Pension Fund and Penalties Thereon approved by Decree of the Government of the Republic of Kazakhstan No. 1116 dated 18 October 2013, and the Rules for the Implementation of Mandatory Professional Pension Contributions approved by Decree of the Government of the Republic of Kazakhstan No. 255 dated 26 March 2014.

Paragraph 17 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan No. 248 dated 22.12.17 (see the old wording); amendments were introduced in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan No. 182 dated 27.08.18 (see the old wording)

17. An application for money transfer in the form according to Appendix 3 to the Rules shall be used when making the following non-cash payments and (or) money transfers:

1) in national or foreign currency outside the Republic of Kazakhstan;

2) in foreign currency on the territory of the Republic of Kazakhstan;

3) in the national currency of the Republic of Kazakhstan on the territory of the Republic of Kazakhstan without opening a bank account.

When making non-cash payments and (or) money transfers in favor of a non-resident outside the Republic of Kazakhstan, indicating the beneficiary's IIN (BIN) in the money transfer application is not required.

The bank is allowed to use a different form of money transfer application if it contains the mandatory details provided for by paragraph 7 of the Rules.

18. A payment order or money transfer application is submitted to the bank within ten calendar days from the date of issue indicated therein. The sender of money, if having a bank account for making a non-cash payment and (or) money transfer in the national currency on the territory of the Republic of Kazakhstan, submits to the bank a payment order in the form according to Appendix 1 to the Rules. By agreement with the servicing bank, the sender of money in the payment order or money transfer application shall indicate the value date.

19. At the bank's request, the sender of money shall submit documents and perform other actions provided for in accordance with Article 19 of the Law on Currency Regulation and Currency Control, paragraphs 15 - 18 of the Rules for the Implementation of Export-Import Currency Control in the Republic of Kazakhstan and the Receipt by Residents of Accounting Numbers of Contracts for Export and Import, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 24 February 2012 No. 42, registered in the Register of State Registration of Normative Legal Acts under No. 7584, with paragraphs 7- 12, 14 - 15 of the Rules for the Implementation of Currency Operations in the Republic of Kazakhstan, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 28 April 2012 No. 154, registered in the Register of State Registration of Normative Legal Acts under No. 7701, (hereinafter - Rules No. 154).

20. When making a non-cash payment and (or) money transfer from one sender of money in favor of several beneficiaries serviced in one bank, or when the bank of the sender of money executes instructions of several senders of money in favor of one beneficiary, the use of a consolidated payment order in the form according to Appendix 4 to the Rules is allowed.

21. A consolidated payment order drawn up on paper shall be accompanied by a register of senders of money or a register of beneficiaries (hereinafter - the register) in the forms according to Appendix 5 to the Rules.

22. The register shall specify the number and date of the consolidated payment order to which the register is attached, as well as the details of the senders of money or beneficiaries, the amount of the money transfer in the context of senders of money or beneficiaries, and the total amount of the money transfer.

The total amount specified in the register shall correspond to the amount specified in the consolidated payment order. Submission to the sender's bank of the register in electronic form is allowed if this is established by the sender's bank.

23. The sender's bank shall verify the consolidated payment order with the register for compliance with the requirements for the execution and submission of payment documents established by the Rules, and shall verify that the total amount of money specified in the register corresponds to the amount of the consolidated payment order.

24. The beneficiary's bank shall credit the money in favor of the beneficiaries on the basis of the details specified by the sender of money in the register.

25. Consolidated payment orders submitted in electronic form shall be generated in accordance with the information transmission formats established between the bank and its client, without attaching the register.

26. The use of a consolidated payment order is allowed when the sender's bank carries out non-cash payments and (or) money transfers on the basis of several instructions from senders of money in favor of one beneficiary.

27. If the beneficiary's bank discovers errors in the details of the senders of money (beneficiaries) specified in the register, the bank shall execute the consolidated payment order, with the exception of the instruction in which the error was made, and shall return the amount under the erroneous instruction no later than the next operational day following the day of its receipt.

Paragraph 3. Payment order

28. When carrying out non-cash payments and (or) money transfers between a client and its bank, as well as when servicing a client's bank account, a payment order shall be used in the form according to Appendix 6 to the Rules.

29. The bank is allowed to use a different form of payment order if it contains the mandatory details provided for by the Rules.

In the payment order, the name of the bank (the sender's bank and the beneficiary's bank) shall be indicated once.

The bank is allowed to include in the payment order additional information about the client and other information necessary for the bank to process this payment order.

30. Execution and submission of a payment order in electronic form is allowed subject to compliance with the procedure for protective actions against unauthorized payments provided for by the agreement between the client and the bank servicing it.

31. The payment order shall be submitted by the initiator within ten calendar days from the day of its issuance indicated therein.

The initiator of the submission of the payment order is the client or its servicing bank.

32. The number of authorized persons having the right to sign a payment order drawn up on paper, the initiator of which is the bank, as well as the necessity of affixing a stamp or imprint of a seal on such payment order, shall be determined by the bank.

33. The payment order shall indicate the value date if this is provided for in the agreement between the client and the bank servicing it.

Paragraph 4. Payment notice

34. A payment notice shall be used for carrying out non-cash payments and (or) money transfers without opening or using the sender's bank account by depositing cash by the sender with the sender's bank for transfer in favor of the beneficiary and (or) receipt of cash by the beneficiary.

At the same time, non-cash payments and (or) money transfers carried out by legal entities and their separate subdivisions shall be made only upon opening a bank account by them, with the exception of payment by legal entities of payments to the budget, as well as voluntary pension contributions and social contributions.

A legal entity is allowed to pay for bank services by depositing cash in an amount not exceeding one thousand monthly calculation indices within one month.

Paragraph 35, in the part concerning mandatory employer pension contributions, was put into effect on 1 January 2018

35. Payment of mandatory pension contributions, mandatory employer pension contributions and mandatory professional pension contributions shall be carried out on the basis of a payment notice without opening or using a bank account by persons entitled to make mandatory pension contributions, mandatory employer pension contributions, mandatory professional pension contributions in cash to the bank in accordance with Article 24 of the Law of the Republic of Kazakhstan dated 21 June 2013 "On Pension Provision in the Republic of Kazakhstan" (hereinafter - the Law on Pension Provision).

Paragraph 36, in the part concerning mandatory employer pension contributions, was put into effect on 1 January 2018

Paragraph 36 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 29.11.18 No. 302 (see previous version)

36. When carrying out non-cash payments and (or) money transfers without opening or using a bank account, receipt forms in the form of payment notices (hereinafter - payment notices) shall be used in the forms according to Appendices 7 - 11 to the Rules. The use of a different form of payment notice is allowed if it contains the mandatory details provided for by the Rules.

Non-cash payments and (or) money transfers without opening a bank account shall be made on the basis of receipts, cash receipt orders, invoices-notices, receipt-notices for the payment of payments to the budget, receipt-notices for the transfer of mandatory pension contributions, mandatory employer pension contributions, mandatory occupational pension contributions, receipt-notices for the payment of social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund, for the payment of the single aggregate payment to the non-commercial joint-stock company "State Corporation "Government for Citizens" (hereinafter - NJSC "State Corporation "Government for Citizens") and other documents used for the acceptance of cash. These documents are payment notices. Corrections on payment notices submitted on paper are not allowed.

The provisions of the first part of this paragraph do not apply to non-cash payments and (or) money transfers without opening a bank account carried out through electronic terminals of the bank.

37. For the payment of payments to the budget without opening or using a bank account, payment notices are presented:

1) by an individual in the form according to Appendix 7 to the Rules;

2) by an individual entrepreneur, private notary, private bailiff, advocate or mediator in the form according to Appendix 8 to the Rules;

3) by a legal entity in the form according to Appendix 9 to the Rules.

Paragraph 38 in the part of mandatory employer pension contributions was put into effect from 1 January 2018

38. For the payment of mandatory pension contributions, mandatory employer pension contributions, mandatory occupational pension contributions without opening or using a bank account, a payment notice is presented in the form according to Appendix 10 to the Rules.

Paragraph 39 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 29.11.18 No. 302 (see old wording)

39. For the payment of social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund, the single aggregate payment to NJSC "State Corporation "Government for Citizens" without opening or using a bank account, a payment notice is presented in the form according to Appendix 11 to the Rules.

Paragraph 40 in the part of mandatory employer pension contributions was put into effect from 1 January 2018

Amendments were made to paragraph 40 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 29.11.18 No. 302 (see old wording)

40. Payment notices contain the mandatory details established in paragraph 7 of the Rules.

The provisions of this paragraph do not apply to invoice-notices for the payment of utility services, receipt-notices for the payment by individuals, individual entrepreneurs and legal entities of payments to the budget, as well as to receipt-notices for the transfer of mandatory pension contributions, mandatory employer pension contributions, mandatory occupational pension contributions and the payment of social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund, the single aggregate payment to NJSC "State Corporation "Government for Citizens".

41. When a legal entity pays payments to the budget for its separate subdivisions, the payment notice shall indicate the name, BIN, address and telephone number of the legal entity. In the column "Name of payment", the following shall be indicated in the following sequence: BIN and name of the separate subdivision of the legal entity for whose obligations the payment is made, the name of the payment.

When paying transport tax, the column "Name of payment" shall indicate the identification number of the vehicle. This detail shall be indicated in the column "Name of payment" of the payment notice under the inscription "Transport tax from individuals" in the following sequence: the word "VIN", the identification number of the vehicle, the symbols "/V".

The payment notice for the payment of payments to the budget shall indicate the budget classification code corresponding to its name. The correctness of specifying the beneficiary's details and the budget classification code shall be ensured by the sender. The date of deposit by the taxpayer of cash to the sender's bank shall coincide with the date indicated by the sender of money in the payment notice.

Paragraph 42 in the part of mandatory employer pension contributions was put into effect from 1 January 2018

42. A payment notice for the payment of mandatory pension contributions, mandatory employer pension contributions, mandatory occupational pension contributions or social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund, containing more than fifty beneficiaries, shall be presented to the sender's bank in the manner determined by paragraph 16 of the Rules.

43. Payment notices shall indicate additional information establishing the identity and location of the sender of money and the beneficiary (identity documents, telephone number, fax number, email address). It is allowed to indicate the value date in the payment notice, except for the payment notice for the payment of utility services.

44. Payment agents and payment subagents, in accordance with the requirements of Articles 13 and 14 of the Law on Payments and Payment Systems and the Rules, provide services for the acceptance of cash on the basis of contracts for the provision of payment services.

Paragraph 5. Payment claim

45. A payment claim is an instruction from the beneficiary to the sender of money to pay the amount of money specified in the payment claim.

Paragraph 46 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see old wording)

46. A payment request is submitted by the beneficiary to the beneficiary's bank or directly to the remitting bank in the form according to Appendix 12 to the Rules.

Submission of a payment request for the collection of overdue debt under a loan without indicating the surname, first name and patronymic (if any) and the signature of the person entitled to the second signature in payment documents is allowed.

47. In the case of submission by the beneficiary of several payment requests to the beneficiary's bank, a register of payment requests in the form according to Appendix 13 to the Rules shall be attached to them, except for the cases provided for by part two of this paragraph.

Attachment of the register of payment requests is not required in the cases of:

1) submission of a payment request to the remitting bank, bypassing the beneficiary's bank;

2) when the beneficiary and the remitting bank are serviced by the same bank;

3) submission of several payment requests to the remitting bank by a person who is simultaneously the beneficiary and the beneficiary's bank.

48. The payment request together with the register of payment requests shall be submitted to the beneficiary's bank, which, after verifying the completeness of filling in all the beneficiary's details, shall send the payment request to the remitting bank in the procedure determined by the Rules.

Paragraph 49 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

49. The day of receipt of the payment request by the bank shall be recorded by affixing the date and time of their receipt on all copies of the payment request or the register of payment requests. When a payment request is submitted electronically, the remitting bank shall record the date and time of receipt of the payment request.

Acceptance for execution of a payment request or refusal to execute a payment request by the bank shall be carried out within the bank's operating day, except for a payment request submitted for the collection of overdue debt under a loan.

Execution of a payment request for the collection of overdue debt under a loan or refusal to execute it shall be carried out no later than three operating days following the day of its submission.

50. The payment request and the attached register of payment requests shall be submitted to the bank within ten calendar days from the date of issue indicated therein. In this case, the date of filling in the payment request shall coincide with the date of filling in the register.

51. In the "purpose of payment" field of the payment request, the purpose of payment shall be indicated, as well as the name, date and number of the documents on the basis of which the payment request is submitted.

52. The payment request shall be executed by the bank by direct debiting of the remitting bank's bank account if the remitting bank's consent to the withdrawal of money from its bank account is contained:

1) in the agreement concluded between the remitting bank and the remitting bank's bank;

2) in the loan agreement, the agreement on opening a credit line or another document confirming the fact of a loan operation or the issuance of a guarantee (hereinafter - the loan agreement).

Paragraph 53 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old wording)

53. A payment request for the collection of overdue debt under a loan agreement shall be submitted by a bank, a mortgage organization, a subsidiary organization of the national managing holding in the sphere of the agro-industrial complex to the remitting bank with the attachment thereto of originals or copies of documents containing the beneficiary's right to withdraw money from the remitting bank's bank account without its consent and confirming the authority of the authorized person of the bank, mortgage organization, subsidiary organization of the national managing holding in the sphere of the agro-industrial complex to sign the payment request. Verification of the authority of the chief accountant, as well as of the person who signed the payment request as the chief accountant, is not required.

Copies of the documents specified in part one of this paragraph shall be numbered and certified by the authorized person of the bank, mortgage organization, subsidiary organization of the national managing holding in the sphere of the agro-industrial complex by affixing the mark "Copy is true", his signature indicating his position, surname, first name, patronymic (if any), and the date of certification. The inscription "Copy is true" shall be indicated without quotation marks.

In the case of withdrawal of a payment request for the collection of overdue debt under a loan in accordance with paragraph 139-1 of the Rules, copies of the documents specified in part one of this paragraph shall be returned together with the payment request.

In the case of the remitting bank having previously submitted supporting documents containing the beneficiary's right to withdraw money without the consent of the remitting bank from the bank account, upon subsequent submission of a payment request for the collection of overdue debt under a loan agreement, re-submission of supporting documents containing the beneficiary's right to withdraw money without the consent of the remitting bank from the bank account within six months from the moment of their first submission is not required.

In the case of the remitting bank having previously submitted documents confirming the authority of the authorized person of the bank, mortgage organization, subsidiary organization of the national managing holding in the sphere of the agro-industrial complex to sign payment documents, subsequent submission of payment requests without attaching a copy of the document confirming the authority of such person is allowed, except in the case of his replacement.

When payment claims are submitted in electronic form through electronic communication channels established between banks, in compliance with the protective measures established by Article 56 of the Law on Payments and Payment Systems, as well as the agreement between the banks, or when the bank of the sender of money submits a payment claim to the bank account of the client-sender of money, confirmation of the authority of the authorized person who signed the payment claim is not required.

54. It is permitted to send electronic copies of documents confirming the validity of the withdrawal of money through electronic communication channels established between banks, in compliance with the protective measures established by the Rules, as well as the agreement between the banks. Electronic copies of documents include scanned versions of the documents specified in paragraph 53 of the Rules.

Paragraph 55 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old wording)

55. It is not permitted to submit simultaneously several payment claims under one loan agreement to bank accounts of the debtor-sender of money opened with the same bank.

Subsequent submission of a payment claim for the recovery of newly arisen overdue debt under the loan agreement is permitted.

Paragraph 6. Collection order

Paragraph 56 has been amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old wording)

56. The payment document used for the withdrawal of money from the bank account of the sender of money without his consent is a collection order. A collection order is submitted by the state revenue body and by judicial executors.

A collection order is submitted by judicial executors to the bank of the sender of money in the form according to Appendix 14 to the Rules and with copies of enforcement documents attached on paper or in electronic form, via the state automated enforcement proceedings system. In this case, collection orders on paper, as well as copies of enforcement documents submitted by a state judicial executor or a private judicial executor on paper, are certified by the seal of the territorial department of the state body implementing state policy and state regulation of activities in the sphere of ensuring the enforcement of enforcement documents, or of the private judicial executor.

An enforcement document confirming the validity of the withdrawal of money from the bank account of the sender of money without his consent is the basis for submitting to the bank only one collection order, unless otherwise established in the text of the enforcement document.

Collection orders of the state revenue body are submitted in the form according to Appendix 15 to the Rules, on paper or in electronic form by transmission over the telecommunications network. Collection orders of the state revenue body are submitted without attaching documents confirming the validity of this recovery. A collection order in electronic form is sent in accordance with paragraph 6 of Article 122 of the Tax Code.

57. Collection orders drawn up on paper are submitted to the bank of the sender of money in a quantity of not less than three copies.

58. The bank of the sender of money records the number, date and time of receipt of the collection order.

59. The collection order shall indicate the purpose of the payment and a reference to the provision of the law of the Republic of Kazakhstan providing for the right to withdraw (recover) money from the bank account of the sender of money without his consent.

The amount of the payment and (or) transfer of money indicated in the enforcement document coincides with the amount indicated in the collection order, except in cases where the debtor has made a partial payment of the debt and the enforcement document contains a note of the judicial executor about this, or where, on the basis of one enforcement writ, joint recovery of the debt in favor of several beneficiaries has been carried out.

Paragraph 60, in the part concerning mandatory pension contributions of the employer, was put into effect from 1 January 2018

Paragraph 60 has been amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old wording)

60. In the collection order of the state revenue body, the budget classification codes and the type of operation are additionally indicated.

In the field "type of operation", the following codes are indicated respectively:

03 - collection order of the state revenue body issued against the bank account of a taxpayer having debt to the budget;

04 - collection order of the state revenue body issued against the bank account of a debtor;

07 - collection order of the state revenue body issued against the bank account of an agent having debt on mandatory pension contributions, mandatory pension contributions of the employer, mandatory professional pension contributions;

09 - collection order of the state revenue body issued against the bank account of a payer having debt on social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund.

In collection orders of the state revenue body for the recovery of debt on mandatory pension contributions, mandatory pension contributions of the employer, mandatory professional pension contributions or social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund, in the columns "beneficiary" and "beneficiary's bank", the non-commercial joint-stock company "State Corporation "Government for Citizens" is indicated.

Item 61 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

61. In the absence or insufficiency of money in the bank account to which the collection order of the bailiff has been presented, the collection of money is carried out from another (other) bank account (accounts) of the debtor in tenge or foreign currency. The bank, when executing the collection order of the bailiff, from another (other) bank account (accounts) of the client, different from the bank account to which the collection order has been presented, in the bank's system forms a collection order, which specifies the number of the bank account from which the withdrawal of money is carried out.

Execution of collection orders of the state revenue body by the bank of the sender of money is carried out in the manner established by Articles 122 and 123 of the Tax Code, Articles 129 and 130 of the Code of the Republic of Kazakhstan dated 26 December 2017 "On Customs Regulation in the Republic of Kazakhstan" (hereinafter - the Customs Code) and the Rules.

Execution of a collection order in a currency different from the currency of the sender's bank account is carried out using the market exchange rate on the day of the payment.

The Rules are supplemented by item 61-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182

61-1. Under executive documents issued based on decisions of international, foreign courts and arbitrations, executed in accordance with international treaties ratified by the Republic of Kazakhstan, the amount of money in the collection order is indicated in the currency of the executive document of the private bailiff.

Execution of a collection order presented by a bailiff in foreign currency is carried out in the manner established by item 61 of the Rules.

62. Execution of a collection order when there is insufficient money in the bank account of the sender of money is carried out as money is received into such account.

Chapter 3. General requirements for the procedure for presenting and executing payment documents

Paragraph 1. Presentation of payment documents

63. Payment documents are presented by the initiator to the bank in electronic form or on paper in accordance with the agreement concluded between the sender and the bank. When presenting a payment document in electronic form, additional presentation of this payment document on paper is not required.

64. Presentation of a payment document in electronic form is carried out on the basis of an agreement (contract) on the use of electronic systems for the exchange of payment documents and the use of a system of software and cryptographic protection and electronic digital signature between the beneficiary and its bank (hereinafter - the Agreement on the use of electronic systems), or between the sender of money and its bank, providing for such presentation.

It is allowed to include in the Agreement on the use of electronic systems conditions on the execution of a payment document, revocation and other issues related to the processing by the bank of the payment document.

65. A payment document is considered sent (presented) provided that the sender complies with the procedure for protective actions against unauthorized payments established by Article 56 of the Law on Payments and Payment Systems, the Rules and (or) the agreement between the sender of money and the bank.

Item 66 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

66. Payment documents are presented by the sender during the operating day established by the bank. The bank records the day of presentation of the payment document by the initiator by affixing the date and time of their receipt on all copies of the payment document. In case of receipt of a payment document after the end of the operating day, the day and time of presentation of the payment document is considered the next operating day and the time of the beginning of this operating day.

If the value date specified in the sender's payment document falls on a non-working day, then such date is considered the next operating day.

67. The number of copies of presented payment documents, except for collection orders drawn up on paper, is determined by the bank independently.

Paragraph 2. Execution of a payment document

68. The bank checks the payment document for compliance with the requirements of Articles 31 - 32, 35 - 37, 45 and 56 of the Law on Payments and Payment Systems and the Rules.

69. The bank executes the payment document, if there is money in the bank account, in accordance with the requirements of Articles 46 - 52, 55 - 57 of the Law on Payments and Payment Systems, the Rules and the conditions stipulated by the agreement between the sender and the bank, as well as in accordance with the instructions contained in the payment document.

70. The bank executes the sender's payment documents in accordance with the order of their receipt, unless otherwise provided by Articles 740 - 742 of the Civil Code.

A payment order, an application for transfer, a payment order are executed in the order of calendar priority, unless a different priority is stipulated in the agreement between the bank and the sender.

Item 71 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 29.11.18 No. 302 (see the old version); amendments were made in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old version)

71. Identification of the bank of the sender of money, the bank of the beneficiary is carried out by the bank identification code specified in the payment document.

The bank does not determine the actual correspondence of the bank's name to its bank identification code specified in the payment document.

Item 72 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see the old version); set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

72. Execution of a payment document, except for a collection order, a payment request for recovery of overdue loan debt and in cases of execution of a payment document at indefinite terms, is performed by the sender's bank on the day of its initiation by the sender.

Collection orders are executed no later than three operational days following the day of their presentation, except for execution of a collection order at indefinite terms, as well as cases provided for by Articles 24 and 122 of the Tax Code.

A payment request presented for recovery of overdue loan debt is executed no later than three operational days following the day of its presentation.

Execution of a collection order of state revenue bodies for recovery of tax debt and bailiffs under executive documents, as well as a payment request presented for recovery of overdue loan debt, when there are insufficient funds in the sender's bank account, is carried out as funds are received no later than one operational day following the day of their receipt into such account.

International non-cash payments and (or) money transfers are executed no later than three operational days following the day of receipt of the instruction, in compliance with the requirements provided for in accordance with the Law on Currency Regulation and Currency Control.

If the payment document contains a different term for its execution, the payment document is subject to execution within such term.

73. The beneficiary's bank accepts in favor of the beneficiary the money in the amount specified in the payment document.

74. The beneficiary's bank notifies the beneficiary of the acceptance of the money no later than the operational day following the day of its receipt, in the manner determined by the agreement between them.

The beneficiary's bank makes the payment on the value date specified in the payment document.

75. Execution of the sender's payment document by the bank is carried out by debiting money from the sender's bank account or transferring deposited cash in favor of the beneficiary.

Paragraph 76 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

76. Debiting of money by the bank from the sender's bank account is performed on the basis of a payment document accepted by the bank for execution or a payment document executed without the sender's consent, in cases provided for by Article 122 and 123 of the Tax Code, Articles 129 and 130 of the Customs Code, Article 36 of the Law of the Republic of Kazakhstan dated 31 August 1995 "On Banks and Banking Activity in the Republic of Kazakhstan" (hereinafter - the Law on Banks and Banking Activity), Article 17 of the Law of the Republic of Kazakhstan dated 25 April 2003 "On Compulsory Social Insurance" (hereinafter - the Law on Compulsory Social Insurance), Article 58 of the Law of the Republic of Kazakhstan dated 2 April 2010 "On Enforcement Proceedings and the Status of Bailiffs" (hereinafter - the Law on Enforcement Proceedings), Article 28 of the Law on Pension Provision, Article 31 of the Law of the Republic of Kazakhstan dated 16 November 2015 "On Compulsory Social Medical Insurance", the Law on Payments and Payment Systems and (or) the bank account agreement.

77. Transfer of money between bank accounts opened in one bank is carried out by the sender's bank within one operational day.

78. The bank, within five years from the day of the operation, as well as after closure of the client's bank account, stores information about the sender and (or) beneficiary (name or surname, first name, patronymic (if any), individual identification code (hereinafter - IIC) (if any), IIN (BIN), in the absence of the sender - an individual's IIC - data of the identity document, and postal address (country, city, postal code, street, house and apartment number), as well as information about the non-cash payment and (or) money transfer made by the sender, except for cases when measures for proper customer due diligence are not required in accordance with the Law on AML/CFT.

Paragraph 3. Grounds for the bank's refusal to execute a payment document

Part one of paragraph 79 was in effect until 1 June 2017 (see the old wording)

Part two of paragraph 79 was put into effect from 1 June 2017. Paragraph 79 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

79. The bank's refusal to execute a payment order, payment request, payment order, application for money transfer and payment notice is carried out on the grounds provided for by Article 24 of the Tax Code, Article 16 of the Law on Currency Regulation and Currency Control, Article 13 of the Law on AML/CFT, Article 46 of the Law on Payments and Payment Systems and the Rules, within the operational day on the day of receipt of the instruction, indicating the reason for refusal.

The bank's refusal to execute a payment request presented for recovery of overdue loan debt, as well as a collection order, is carried out within the time limits provided for execution of the said payment documents.

The procedure for sending a notification of refusal to execute a payment document, except for a collection order, is provided for in the agreement between the bank and the sender. The day of refusal to execute a payment document is considered the date of sending such notification.

Paragraph 80 was amended in accordance with the resolution of the Board of the National Bank of the RK dated 22.12.17 No. 248 (see old ed.); reworded by the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old ed.); resolution of the Board of the National Bank of the RK dated 29.11.18 No. 302 (see old ed.); amended in accordance with the resolution of the Board of the National Bank of the RK dated 30.03.19 No. 44 (see old ed.)

80. The sender's bank refuses to execute a payment document in the following cases:

1) if the payment document contains signs of forgery, including if the payment document was submitted in violation of the procedure for protective actions against unauthorized payments established by Article 56 of the Law on Payments and Payment Systems, the Rules, the agreement between the sender and the sender's bank;

2) if the payment document contains corrections, additions and blots, except for:

cases provided for by Articles 60-1, 61-2, 61-11 and 61-12 of the Law on Banks and Banking Activity;
execution of previously submitted collection orders against the bank accounts of the sender of funds, in cases where the beneficiary is served by a successor bank within the framework of operations provided for by Articles 60-1, 61-2, 61-11 and 61-12 of the Law on Banks and Banking Activity. Execution of such collection orders is carried out with the correction of the beneficiary's banking details (IIC, name and bank identification code of the beneficiary's bank), on the basis of a document from the successor bank confirming the details of the beneficiary and the beneficiary's bank;

3) non-compliance of the IIC, IIN (BIN) of the sender of funds with the details indicated in the payment document, except for the correction by the sender's bank of the client's IIC in payment documents in cases provided for by Articles 60-1, 61-2, 61-11 and 61-12 of the Law on Banks and Banking Activity, when executing a payment document from other bank accounts of the client, in cases provided for by the Rules;

4) non-compliance of the IIN (BIN) of the sender of funds, indicated in the payment document for the payment of taxes and other mandatory payments to the budget, social contributions to the State Social Insurance Fund, contributions and (or) payments to the fund of compulsory health insurance, transfer of compulsory pension contributions, compulsory pension contributions of the employer, compulsory professional pension contributions, a single cumulative payment, with the data provided by the state revenue authority;

5) failure by the sender of funds to comply with the requirements for the procedure for drawing up and submitting a payment document established by Articles 31, 32, 35, 36, 37, 45 and 46 of the Law on Payments and Payment Systems, the Rules, as well as the terms of the agreement between the sender and the bank;

6) non-compliance with the forms established by Appendices 1, 2, 4, 5, 12, 13, 14 and 15 to the Rules;

7) non-compliance of the client's name with the name of the sender of funds indicated in the payment document, except for a collection order submitted by a state revenue authority when other details (IIC, IIN (BIN)) identify the bank client, as well as a collection order of a judicial executor when identifying a bank client in accordance with the requirements of paragraph 150 of the Rules;

8) non-compliance of the code designation of the purpose of payment with its textual part;

9) absence of a digital designation of the budget classification code when making payments to the budget;

10) non-compliance of the amounts indicated in the payment document in figures and in words;

11) non-compliance of the identification number of the vehicle indicated in the payment document with the data provided by the central executive body for road safety when paying vehicle taxes;

12) failure to comply with the requirements established by the terms of the agreement between the sender and the sender's bank;

13) in cases provided for by Rules No. 154;

14) in cases where a demand for the collection of funds from a bank account is made against a bank account intended for crediting benefits, social payments paid from the state budget and (or) the State Social Insurance Fund, housing payments, funds deposited on the terms of a notary's deposit, as well as an account opened under an agreement on an educational savings deposit concluded in accordance with Article 7 of the Law of the Republic of Kazakhstan dated 14 January 2013 "On the State Educational Savings System" (hereinafter - the Law on the State Educational Savings System), funds held in bank accounts in housing construction savings banks in the form of housing construction savings accumulated through the use of housing payments;

Subparagraphs 14-1, 14-2 of paragraph 80 were brought into effect on 27 July 2019.

14-1) in the case where a demand is made against a bank account intended for crediting compensation for investment costs, in accordance with the legislation of the Republic of Kazakhstan in the field of public-private partnership and concessions.

The provision of this subparagraph does not apply to the seizure of funds on claims relating to the first, second and third queues in accordance with the order provided for by paragraph 2 of Article 742 of the Civil Code, as well as on claims submitted within the framework of the fulfillment of obligations of the private partner to the creditor, secured by a right of claim under a public-private partnership agreement, a factoring agreement and (or) a concession agreement;

14-2) in cases where a payment demand for the collection of overdue debt under a loan agreement is made against a current account intended for crediting alimony (funds intended for the maintenance of minor and incapacitated adult children);

15) in cases where the withdrawal of money from the current account opened for recording the movement of settlements for value added tax is not related to: the payment of value added tax to the budget, including value added tax on import and for a non-resident;

the payment of value added tax to suppliers of goods; the payment of value added tax by buyers (recipients) of goods; the crediting of money to another current account opened for the recording and movement of value added tax amounts;

16) is excluded in accordance with the resolution of the Board of the National Bank of the RK dated 30.03.19 No. 44 (see old edition)

Paragraph 81 is set out in the wording of the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old edition); resolution of the Board of the National Bank of the RK dated 29.11.18 No. 302 (see old edition); amendments were made in accordance with the resolution of the Board of the National Bank of the RK dated 30.03.19 No. 44 (see old edition)

81. The beneficiary's bank refuses to execute a payment document in the following cases:

1) failure by the sender to comply with the requirements for the procedure for drawing up and presenting a payment document established by Articles 31, 32, 35, 36, 37, 45 and 46 of the Law on Payments and Payment Systems, the Rules, as well as the terms of the contract between the sender and the bank;

2) the detection of an unauthorized payment, as well as the detection and confirmation of substantiated facts of the unlawful receipt of money transferred in favor of the beneficiary;

3) non-compliance of the IIA, IIN (BIN) with the beneficiary's details, the absence of an IIA in the beneficiary's bank;

4) the crediting of money to a current account opened at the request of an individual client for the crediting of benefits, social payments paid from the state budget and (or) the State Social Insurance Fund, housing payments, money deposited on the terms of a notary's deposit, as well as to an account opened under an educational savings deposit agreement concluded in accordance with Article 7 of the Law on the State Educational Savings System, money held in bank accounts in housing construction savings banks in the form of housing construction savings accumulated through the use of housing payments, in the event that the amount of money being credited is not related to the specified conditions;

Subparagraphs 4-1, 4-2 of paragraph 81 came into effect on 27 July 2019.

4-1) the crediting of money to a current account opened at the request of an individual client for the crediting of alimony (money intended for the maintenance of minor and incapacitated adult children), in the event that the amount of money being credited is not related to alimony (money intended for the maintenance of minor and incapacitated adult children), and (or) the code designation of the purpose of payment does not correspond to the code designation of the purpose of payment allocated for the crediting of alimony (money intended for the maintenance of minor and incapacitated adult children);

4-2) crediting of money to a current account intended for the crediting of compensation of investment costs, if the credited amount of money is not related to the payment of compensation of investment costs paid within the framework of an agreement on financing under the assignment of a monetary claim, a concession agreement and (or) a public-private partnership agreement concluded in accordance with the legislation of the Republic of Kazakhstan in the field of public-private partnership and on concessions;

5) crediting of money to a current account opened for accounting for the movement of settlements for value added tax, in cases where the credited amount of money is not related to the movement of settlements for value added tax, including with: payment of value added tax to the budget, including value added tax on imports and for a non-resident; payment of value added tax to suppliers of goods; payment of value added tax by buyers (recipients) of goods;

crediting of money from another bank account of the value added tax payer;

crediting of money returned from the budget in the manner determined by Article 101 of the Tax Code;

crediting of money related to the return of a payment initiated from a current account for accounting for the movement of settlements for value added tax in cases of an erroneous payment or transfer of money to a closed bank account of the beneficiary;

6) in the cases provided for by Rules No. 154;

The beneficiary's bank executes the payment document in the case of a discrepancy between the beneficiary's name and the name specified in the payment document, when its other details (IBAN, IIN (BIN)) specified in the payment document identify the beneficiary.

The bank is not allowed to change the details of the payment document, except for:

1) the case of a change in the organizational and legal form of the sender of money and (or) the beneficiary, reorganization and renaming of a state body and (or) its structural subdivision, while maintaining the details of the IBAN and BIN;

2) changes in the budget classification codes by the state revenue body.

The beneficiary's bank is not allowed to change the details of the payment document, except for the case provided for by sub-item 4) of item 95 of the Rules.

Paragraph 4. Revocation and suspension of execution of an instruction

82. Revocation of an instruction accepted for execution before its execution is allowed by sending the sender's bank an order to revoke the payment document in the form according to Appendix 16 to the Rules.

Suspension of execution of an instruction is possible only before its full or partial execution on the basis of an order to suspend execution of the payment document in the form according to Appendix 17 to the Rules.

The time limits for execution of such orders are established by the agreement between the sender and the bank. It is allowed to transmit the order to revoke an instruction electronically in compliance with the procedure for protective actions established by the agreement between the initiator of these orders and the sender's bank.

83. The order to revoke a payment document and the order to suspend execution of a payment document in electronic form are formed in accordance with the formats for transmitting electronic payment messages on the basis of an agreement concluded between the initiator and the bank, and are presented to the bank via electronic channels of the telecommunications network.

Item 84 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

84. The order to revoke a payment document shall indicate the date of the payment document, its number, amount and other details of the payment document established by the bank. A revocation order for a payment document transmitted electronically is considered sent subject to compliance with the procedure for protective actions against unauthorized payments established by Article 56 of the Law on Payments and Payment Systems, the Rules, and the agreement between the initiator and the bank.

A revocation order for a payment document and an order to suspend execution of a payment document on paper shall contain a seal (except for private entrepreneurship entities) and the signatures of authorized persons of the sender of the payment document who have the right to sign payment documents.

85. A revocation order for a payment document and an order to suspend execution of a payment document shall be drawn up in the Kazakh and (or) Russian or other languages.

Corrections or additions in a revocation order for a payment document and an order to suspend execution of a payment document submitted on paper are not allowed. If the bank discovers corrections, additions, and erasures, such orders shall be returned to their sender no later than one business day from the day of their receipt, indicating the reason for the return.

86. A revocation order for a payment document and an order to suspend execution of a payment document shall be submitted during the business day established by the bank in the number of copies established by the bank, except for revocation orders for a payment document and orders to suspend execution of a payment document submitted by the state revenue body and judicial executors. If a revocation order for a payment document and an order to suspend execution of a payment document are received after the end of the bank's business day, such order is considered received by the bank at the beginning of the next business day.

87. The bank, within the next business day after accepting a revocation order for a payment document or an order to suspend execution of a payment document, shall notify of execution or refusal to execute, indicating the reason for refusal.

88. Upon receipt of the sender's order to revoke an unexecuted or not fully executed payment document, the bank shall not execute the payment document and shall return it no later than one business day following the day of receipt of such order, simultaneously sending the sender a notification of execution of the received order.

89. Suspension of execution of a payment document shall be carried out in accordance with the procedure provided for by Article 13 of the Law on AML/CFT, Article 50 of the Law on Payments and Payment Systems, and also in accordance with the Rules.

90. Execution of a payment document shall be suspended by the bank on the basis of the following documents:

1) the sender's order to suspend execution of the payment document;

2) a decision of the state body exercising financial monitoring and taking other measures to counteract the legalization (laundering) of proceeds from crime and the financing of terrorism, to suspend a suspicious transaction;

3) a decision of an authorized state body, official, or judicial executor to seize money held in a bank account, or an order of an authorized state body to suspend debit operations on the sender's bank accounts, a decision of an authorized state body or official to impose a temporary restriction on the disposal of property, to suspend the conclusion of transactions and other operations with property;

4) priority instructions of third parties in accordance with Article 742 of the Civil Code;

5) on the basis of a judicial act.

91. Upon receipt of the documents provided for by paragraph 90 of the Rules, the bank shall suspend execution of the payment document. Execution of the payment document shall be suspended until the expiration of the period in the cases provided for by Article 13 of the Law on AML/CFT, receipt of an instruction to resume execution of the payment document or revocation of the documents on the basis of which its execution was suspended, or after execution of the documents specified in paragraph 90 of the Rules.

Paragraph 92 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

92. In cases of suspension of execution of payment documents, the bank shall keep them until the conditions established by the Rules occur.

At the same time, the bank does not ensure the amount of money within the suspended payment document in the client's bank account.

Chapter 4. Making non-cash payments and (or) money transfers, as well as execution of requirements of third parties

Paragraph 1. Execution of a payment order

93. A payment order is considered accepted for execution by the sender's bank if one of the following conditions is present:

1) the sender's bank has sent the sender a notification of acceptance for execution or a notification of acceptance of cash as payment for the payment order;

2) the sender has not received a notification from the sender's bank of acceptance for execution or refusal to execute the payment order within one business day following the day of receipt of the instruction (by default);

3) in cases provided for by the agreement between the sender's bank and the sender.

94. A payment order is considered accepted for execution by the beneficiary's bank if one of the following conditions is present:

1) the beneficiary's bank has sent the sender a notification of acceptance for execution of the payment order;

2) the sender has not received a notification from the beneficiary's bank of acceptance for execution of the payment order or refusal to execute the payment order within one business day following the day of receipt of the payment order by the beneficiary's bank (by default);

3) in other cases provided for by the agreement between the beneficiary and the beneficiary's bank.

Upon acceptance of money in favor of the beneficiary, the beneficiary's bank shall notify him of the acceptance of the money. The beneficiary may be notified by the beneficiary's bank by providing him with an extract from his bank account and a payment order executed on paper or in electronic form, in accordance with the terms of the agreement.

Item 95 was amended in accordance with Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see previous version)

95. The bank refuses to execute a payment order within the time limits established by Articles 46 and 48 of the Law on Payments and Payment Systems, the Rules, on the grounds provided for by item 80 of the Rules, as well as in the following cases:

1) failure by the sender of money to provide the amount of money necessary for making a non-cash payment and (or) money transfer, unless otherwise provided by the agreement between the sender of money and the bank;

2) provided for by the Law on AML/CFT or international treaties ratified by the Republic of Kazakhstan, or provided for by an agreement with non-resident banks of the Republic of Kazakhstan;

3) in the presence of decisions and (or) orders of authorized state bodies or officials on suspension of expenditure operations on the client's bank account, temporary restriction on the disposal of property, unsecured by money acts on imposing seizure on money held in the client's bank account,

as well as instructions subject to execution in accordance with Article 742 of the Civil Code;

4) mismatch of the payment currency specified in the payment order with the currency of the bank account.

Execution of a payment order in which the payment currency does not correspond to the currency of the bank account is allowed if there is written confirmation from the beneficiary on crediting the payment amount in the currency of the bank account by converting it using the market exchange rate on the day of payment established by the bank. The specified confirmation of the beneficiary is not required in the case of his consent to the conversion provided for in the agreement between him and the bank, which also determines the amount and procedure for charging commissions for the conversion.

96. The basis for refusal to execute or delay by the beneficiary's bank of execution of payment in favor of the beneficiary are facts justified by the bank about the unlawfulness of the beneficiary's receipt of money transferred in his favor.

In case of non-confirmation of facts about the unlawfulness of the beneficiary's receipt of money transferred in his favor, the beneficiary's bank pays the beneficiary a penalty for unjustified refusal to execute and (or) delay in crediting money in the amount provided for by the agreement between them.

If the beneficiary's bank establishes facts of an unauthorized payment, the beneficiary's bank does not credit the money in favor of the beneficiary.

97. The beneficiary's bank refuses to execute a payment order upon receipt of money, including foreign currency, from non-residents, foreign states, state bodies, state organizations, religious associations and charitable organizations in favor of political parties and professional unions for operations not related to the execution of an agreement (contract for the supply of goods (works, services), except for financing of professional unions from sources permitted by Article 30 of the Law of the Republic of Kazakhstan dated 27 June 2014 "On Professional Unions".

98. If a bank that is not the beneficiary's bank does not execute a payment order, while there is a sufficient amount of money in the sender's bank account with the bank for making a non-cash payment and (or) money transfer, and the bank has not timely notified of the refusal to execute, the bank, unless otherwise provided by the agreement between them, pays the sender a fine (penalty) from the amount of the money transfer, in the amount provided for by the agreement between them, unless otherwise established by legislative acts of the Republic of Kazakhstan.

99. The sender makes payment to the bank for the amount of the payment order accepted for execution and reimburses costs associated with the execution or revocation of an authorized payment order, in accordance with the agreement between them from the moment the bank executes the sender's payment order.

100. The sender's payment to the bank is made when the sender's bank debits the sender's bank account.

101. If the sender is a bank, payment is made by:

1) crediting by the sender of the bank's correspondent account and sending him an extract;

2) debiting the sender's correspondent account with the bank;

3) making payment through correspondent accounts of the sender and the bank with the National Bank of the Republic of Kazakhstan;

4) making payment through a payment system;

5) making payment in accordance with a bilateral agreement on mutual offsets between the sender and the bank.

102. In case of execution of a payment order, one of the conditions of which is the value date, the sender's bank debits the money from the sender's bank account and credits it to its internal balance account (transit account). At the same time, the bank keeps records of such operations on a separate or separate personal accounts (sub-positions).

The transfer of money of the sender of money to the internal balance (transit) account of the sender's bank is carried out within the time limits established for the execution of payment documents, but not later than the time limits established by this item of the Rules.

The sender's bank transfers money from the bank's internal balance (transit) account not later than the value date specified in the payment document.

The beneficiary's bank credits the money to the beneficiary's bank account during the operational day determined by the value date.

If the value date falls on a non-working day, the beneficiary's bank credits the money to the beneficiary's bank account on the first working day following the day determined by the value date.

103. Unless otherwise specified in the payment order, if the sender's bank is unable to independently execute the payment order, the sender's bank sends it for subsequent execution to an intermediary bank.

104. If it is impossible to execute a payment order, the intermediary bank shall notify the sender's bank thereof in the manner established by the agreement between them, no later than the operational day following the day of receipt of such payment order, and shall return the money to it on the basis of a payment order.

105. If the sender's bank has not received the appropriate authority from the sender, the following is not permitted:

1) collection of the amount of commission due to it for its services and expenses incurred in connection with the execution of the payment order by withholding them from the amount of the given payment order;

2) granting the subsequent bank the possibility of collecting commission at the expense of the amount of the payment order.

106. Revocation of a payment order and suspension of its execution are not permitted for non-cash payments and (or) money transfers related to the payment of payments to the budget and payment for state services, information and data on which, upon their execution by banks, are submitted to state bodies and courts through the payment gateway of the "electronic government" in accordance with paragraph 10 of Article 25 of the Law on Payments and Payment Systems.

Paragraph 2. Execution of a payment notice

Item 107 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 29.11.18 No. 302 (see old wording)

107. Upon acceptance of a payment notice for execution, the bank assumes the obligation to carry out the money transfer in favor of the beneficiary. Cash money deposited for the payment of payments to the budget, as well as for the payment of mandatory pension contributions, mandatory pension contributions of the employer, mandatory professional pension contributions and social deductions to the State Social Insurance Fund, deductions and (or) contributions to the Social Health Insurance Fund, and the single aggregate payment, shall be transferred to the beneficiary by the bank no later than the next operational day from the date of their deposit with the bank.

108. Upon acceptance of a payment notice from the sender of money, the bank shall issue to the sender of money a corresponding confirmation of acceptance of cash money.

109. To carry out a money transfer without using a bank account, the bank, on the basis of an accepted payment notice, shall draw up a payment order in the procedure determined by the Rules.

110. The issuance of the amount of cash money through bank cash desks received in favor of a beneficiary who is an individual shall be carried out by the beneficiary's bank upon presentation by the beneficiary of a document proving his identity.

When receiving cash money through bank cash desks, the beneficiary shall sign in the corresponding document of the beneficiary's bank, indicating the surname, first name, patronymic (if any), data of the identity document, as well as the amount of money received and the currency of payment.

111. If the beneficiary fails to appear to receive the amount of a non-cash money transfer under a payment notice (in the case of absence of a bank account with the beneficiary's bank), the beneficiary's bank shall record this amount on the corresponding accounts of the bank within thirty calendar days from the day of its receipt by the beneficiary's bank, unless other periods (conditions) are established by the international money transfer system used to carry out the money transfer. Upon expiry of the specified period and failure of the beneficiary to appear to receive the amount of the money transfer, the beneficiary's bank shall return the transfer amount to the sender's bank, indicating the reason for the return.

Paragraph 3. Specifics of carrying out non-cash payments and (or) money transfers without opening a bank account

112. Acceptance of cash money from the sender of money through electronic terminals shall be carried out by the bank on the basis of an instruction of the sender of money, which constitutes an order to the bank to carry out a non-cash payment and (or) money transfer in favor of the specified beneficiary.

The non-cash payment and (or) money transfer in favor of the beneficiary shall be carried out by the bank in accordance with the terms of the instruction of the sender of money by forming a payment order.

113. When carrying out non-cash payments and (or) money transfers through electronic terminals of banks, the sender of money shall be issued a receipt which contains the following mandatory details:

1) document number, day, month, year of issue;

2) name of the sender's bank and the beneficiary;

3) payment amount;

4) amount of the bank's commission fee;

5) currency of payment;

6) purpose of payment;

7) payment purpose code.

114. When carrying out mandatory payments to the budget through electronic terminals of banks, the receipt, in addition to the details provided for by paragraph 113 of the Rules, shall contain the following details:

1) IIN or BIN of the client;

2) name of payments to the budget indicating the digital value of the budget classification code;

3) code of the state revenue body (digital value).

The receipt shall contain additional details established by the bank.

115. The receipt issued by an electronic terminal to the sender of money has the status of a primary document and serves as confirmation of the fact of carrying out a non-cash payment and (or) money transfer in favor of the beneficiary through an electronic terminal by depositing cash money with the bank.

116. After accepting cash money through electronic terminals and issuing a receipt drawn up in accordance with the requirements of paragraphs 113 and (or) 114 of the Rules, the bank shall carry out the money transfer in favor of the beneficiary no later than the operational day following the day of acceptance of the cash money.

117. Acceptance of cash money by a payment organization that has undergone registration with the National Bank (hereinafter referred to as the payment organization) for making a payment through electronic terminals shall be carried out on the basis of an agreement concluded between the payment organization and the service provider. When making a payment, a receipt shall be issued containing the following details:

1) document number, day, month, year of its issue;

2) name (code) of the payment organization;

3) payment amount;

4) currency of payment;

5) time of the payment;

6) code identifying the making of the payment.

The inclusion of additional details in the receipt is permitted.

The payment organization accepts payments to the budget without opening a bank account if there is an agency agreement for the provision of such a service with a bank. When making payments to the budget, the check, in addition to the details specified in part one of this paragraph of the Rules, contains the name and BIC of the bank, IIN or BIN of the client, the name of payments to the budget with the digital value of the budget classification code and the code of the state revenue body (digital value).

The contracts provide for the procedure for crediting money from the bank account of the payment organization to the bank account of the service provider, the rights and obligations of the parties, as well as the procedure for remuneration of the payment organization for the provision of the payment service and the conditions for involving in the provision of the payment service.

118. When a payment agent or payment subagent provides a payment service for accepting cash through electronic terminals for making a payment, a check is issued containing, in addition to the details specified in paragraphs 113 - 114 of the Rules, the name of the payment agent (subagent).

Paragraph 4. Execution of payment by direct debit of a bank account

119. Direct debit of a bank account is carried out on the basis of the preliminary consent of the sender of money to debit money from his bank account using a payment claim or payment order, which are presented by the beneficiary to withdraw money from the bank account of the sender of money and transfer them in favor of the beneficiary.

120. The grounds for making a non-cash payment and (or) transfer of money by direct debit of a bank account are:

1) an agreement concluded between the sender of money and his servicing bank, in accordance with which the sender of money grants the beneficiary the right to withdraw money without his consent from his bank account on the basis of the beneficiary's payment claims. It is allowed to reflect the terms of direct debit of a bank account in a loan agreement or other agreement concluded between the sender of money and his servicing bank, and which is the basis for the bank's claims against the sender of money;

2) a loan agreement containing the consent of the sender of money to withdraw money from his bank account on the basis of the beneficiary's payment claim.

121. The agreement between the sender of money and his servicing bank specifies:

1) the name, BIN (IIN) of the beneficiary (list of beneficiaries);

2) the name and details of documents confirming the monetary obligation of the sender of money to the beneficiary (beneficiaries), on the basis of which the payment claim is presented.

122. Copies of documents containing the beneficiary's right to withdraw money from the bank account of the sender of money without his consent are sent by the beneficiary to the bank of the sender of money no later than the operational day preceding the day the beneficiary presents the payment claim to the bank of the sender of money, unless otherwise provided by the agreement concluded between them.

123. The beneficiary's bank sends the payment claim to the bank of the sender of money no later than the next operational day from the day it is presented by the beneficiary, unless otherwise provided by the agreement concluded between the beneficiary and the beneficiary's bank.

124. The bank of the sender of money checks the details of the payment claim for compliance with the details and for the presence of the consent of the sender of money to debit money from his bank account in the documents confirming the presentation of the payment claim by the beneficiary, in accordance with the Rules. If a discrepancy is detected, the bank of the sender of money refuses to execute the beneficiary's payment claim, indicating the reason for the refusal no later than the operational day following the day the payment claim is presented.

A payment claim presented to a bank account opened for an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship, is executed from any bank accounts opened for this individual and (or) individual entrepreneur if the last name, first name, patronymic (if any), IIN of the sender of money are identical.

125. The bank of the sender of money carries out a non-cash payment and (or) transfer of money by direct debit of a bank account if there is an amount of money in the bank account of the sender of money.

Paragraph 126 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see old wording)

126. In the absence or insufficiency of money in the bank account of the sender of money necessary for the execution of a payment order or payment claim, the bank of the sender of money records and stores the payment order or payment claim for one year from the day of its receipt, if the agreement concluded between the sender of money and the bank of the sender of money contains a condition on the storage of the payment order or payment claim.

Paragraph 127 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see old wording)

127. In the absence or insufficiency of the amount of money in the bank account of the sender of money necessary for the execution of a payment claim for the purpose of collecting overdue debt on a loan, the bank stores the received payment claim in the card index in the manner prescribed by paragraph 153 of the Rules.

Paragraph 128 was put into effect on 1 January 2017

128. Execution of a payment claim placed in the card index under a loan agreement is carried out as money is received in the bank account of the sender of money.

Execution of the payment claim as money is received in the bank account of the sender of money by the bank of the sender of money is carried out by forming in the bank's system a payment claim for the amount of payment, in the "purpose of payment" field of which the details of the payment claim placed in the card index are indicated.

129. In the presence of unexecuted decisions of authorized state bodies or officials having the right to seize money held in a client's bank account, as well as decisions of authorized state bodies or officials having the right to suspend expenditure operations on a bank account, a payment claim shall be executed in accordance with the requirements of Article 742 of the Civil Code, Article 50 of the Law on Payments and Payment Systems, and the Rules.

130. Upon receipt by the bank of several payment claims, their execution and (or) placement in the card index shall be carried out in calendar order in the order of their receipt by the bank.

In the case of presentation of several payment claims with a register, their execution and (or) placement in the card index shall be carried out in accordance with their sequential numbers indicated in the register.

131. In the absence or insufficiency of money in the bank account of the sender of money to whom a payment claim has been presented, the payment claim shall be executed at the expense of money held in another bank account of the sender of money, if this is provided for by the terms of the agreement concluded between the sender of money and the sender's bank, or in the loan agreement.

Execution of the payment claim shall be carried out on a priority basis from the bank account opened in the currency of the presented payment claim.

Execution of the payment claim in a currency different from the currency of the bank account shall be carried out at the currency exchange rate on the day of payment established by the bank.

Paragraph 132 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

132. Certificates on the existence and numbers of bank accounts shall be issued to a bank in respect of which the account holder(s) is a borrower, guarantor, surety, lessee, or pledgor, on the basis of a bank request signed by authorized persons of the bank, with the attachment of the following documents confirming the receipt of a loan:

1) if the account holder is a borrower - a copy of the loan agreement containing the consent of the sender of money to withdraw money from their bank account, with the bank's mark "Copy is true". If the account holder is not a borrower and acts as a guarantor, surety, lessee, or pledgor - a copy of the loan agreement, suretyship, lease agreement, pledge agreement containing the consent of the sender of money to withdraw money from their bank account, with the bank's mark "Copy is true";

2) a copy of the payment document or statement on the client's bank account or another document confirming the issuance of the loan.

The inscription "Copy is true" shall be indicated without quotation marks, certified by the signature of an authorized person of the bank vested with the relevant authority to certify copies of documents, indicating their position, surname, name, patronymic (if any), and date of certification.

133. Certificates on the existence and numbers of the client's bank accounts or information on their absence shall be provided by the bank no later than ten business days following the day of receipt of the documents specified in paragraph 132 of the Rules.

Certificates on the existence and numbers of the client's bank accounts shall be provided in accordance with the Requirements for the execution and content of a certificate on the existence and number of a bank account and a statement on the balance and movement of money in a bank account, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 219 "On approval of the Requirements for the execution and content of a certificate on the existence and number of a bank account and a statement on the balance and movement of money in a bank account", registered in the Register of state registration of normative legal acts under No. 14340.

Paragraph 134 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 27 July 2019) (see the old version)

134. If a bank account is opened for a client for the crediting of benefits, social payments paid from the state budget and (or) the State Social Insurance Fund, housing payments, alimony (money intended for the maintenance of minor and incapacitated adult children), compensation of investment costs in accordance with the legislation of the Republic of Kazakhstan in the field of public-private partnership and concessions, money deposited under the terms of a notary's deposit or to a bank account in the "escrow" mode, as well as money under an educational savings deposit agreement concluded in accordance with Article 7 of the Law on the State Educational Savings System, money held in bank accounts in housing construction savings banks in the form of housing construction savings accumulated through the use of housing payments, information about this shall also be indicated in certificates on the existence and numbers of the client's bank accounts.

135. Banks are permitted to send requests and documents confirming the receipt of a loan in electronic form, subject to the procedure for protective actions established by the Rules, as well as by an agreement between banks. Requests in electronic form shall be sent using the electronic digital signature of authorized persons of the bank or other protective means provided for by the agreement between banks.

136. Electronic copies of documents include scanned versions of documents confirming the receipt of a loan.

Paragraph 5 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old version)

Paragraph 5. Specifics of execution of a payment claim for the recovery of overdue debt on a loan from the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship

Item 137 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 24 September 2019) (see old wording)

137. The initial execution of a payment request presented against the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, under a loan agreement is carried out within fifty percent of the amount held in the current account, taking into account the maintenance in the current account of an amount of not less than the amount of the subsistence minimum established for the corresponding financial year by the law on the republican budget (hereinafter - the amount of the subsistence minimum).

If the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, holds an amount less than the amount of the subsistence minimum, the payment request is not executed.

When a payment request is presented for an amount not exceeding fifty percent of the amount of money held in the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, taking into account the maintenance in the current account of the amount of the subsistence minimum, this payment request is executed for the amount specified in it.

The Rules are supplemented with item 137-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 24 September 2019)

137-1. The amount of not less than the amount of the subsistence minimum, when executing a payment request from the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, is ensured by the bank once a month and carries over to the new calendar month if it was not used by the individual or the individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship.

Item 138 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 24 September 2019) (see old wording)

138. Subsequent execution of a partially executed payment request is carried out as money arrives in the current account within fifty percent of each incoming amount of money to the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, taking into account the maintenance in the current account of an amount of not less than the amount of the subsistence minimum.

In the case where the amount of fifty percent of the amount of money incoming to the current account, taking into account the requirements established in the first part of this item, exceeds the remaining amount under the partially executed payment request, the debiting of money from the current account of the sender of money - an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, is carried out within amounts sufficient to execute this payment request.

Item 139 was amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 24 September 2019) (see old wording)

139. When several payment requests are presented against the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, their execution is carried out in calendar order in the order of their receipt by the bank or according to their sequential numbers indicated in the register.

Execution of the next payment request is carried out only after full execution of the previous payment request or withdrawal or return of the previous payment request in the manner determined by the Rules. At the same time, its execution is carried out within fifty percent of the amount of money held in the current account (of the balance of money after execution of the previous payment request) and of each amount of money subsequently incoming to the current account, taking into account the maintenance in the current account of an amount of not less than the amount of the subsistence minimum.

Item 139-1 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see old wording)

139-1. Withdrawal of a partially executed payment request placed in the card index and presented against the current account of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, is not allowed, except in cases of withdrawal of the payment request in connection with the termination or suspension of performance of the obligation of the individual or the individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activity in the form of personal entrepreneurship, under the loan agreement in accordance with which this payment request was presented.

When a payment claim is presented for the collection of overdue debt under a loan simultaneously to several bank accounts of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying on activity in the form of personal entrepreneurship, opened with different banks, and the amount of overdue debt under the loan is collected, the payment claims issued to the other bank accounts are withdrawn by the beneficiary no later than one business day following the day of execution of such payment claim. At the same time, the beneficiary, no later than one business day following the day of withdrawal of these payment claims, returns to the individual or individual entrepreneur, if the individual is registered as an individual entrepreneur carrying on activity in the form of personal entrepreneurship, the sum of money exceeding the amount of overdue debt under the loan.

139-2. The amount of the commission charged by the sender's bank for the execution of a payment claim presented under a loan agreement, a credit line agreement or another document confirming the fact of granting a loan must not exceed the maximum amount of the commission charged by the sender's bank for the execution of instructions of a client - an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying on activity in the form of personal entrepreneurship.

Paragraph 6. Execution of a payment order

140. The bank makes a payment under a payment order in accordance with the conditions provided for by the agreement between the client and the bank servicing it.

The bank debits money from the client's bank account on the basis of a payment order by direct debiting of the bank account if the agreement between the client and the bank servicing it contains the client's consent to such debiting of money from its bank account.

The Rules are supplemented by paragraph 140-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182

140-1. The use of a payment order is permitted for the purposes of making payments and (or) money transfers for debiting debt under a loan agreement from money held in the client's bank account, if there is an instruction of an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying on activity in the form of personal entrepreneurship, for the use of the sum of money held in its current account to repay debt under a loan agreement. The use of a payment order is carried out, among other things, with respect to the amount remaining after execution of the payment claim against the given account.

141. A money transfer by a bank on the basis of a payment order or a form established by the bank is permitted, if the details provided for by paragraph 7 of the Rules are present, from one bank account of the client to its other bank account with the given bank in the cases provided for in the agreement between the sender of money and the bank servicing it.

Paragraph 7. Execution of a collection order

Paragraph 142 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

142. The sender's bank verifies the completeness and correctness of the completion of the details indicated in the collection order for compliance with the requirements imposed on the procedure for drawing up a collection order, and if they comply, executes the collection order of the state revenue body or the bailiff within the time periods established by the Law on Payments and Payment Systems and the Rules, by debiting the bank account of the sender of money.

Paragraph 143 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 27 July 2019) (see the old wording)

143. The sender's bank refuses to execute a collection order in the cases provided for by Article 741 of the Civil Code.

144. Collection orders for the obligations of the bank are presented by the initiator to the National Bank of the Republic of Kazakhstan or to a correspondent bank in accordance with paragraph 10 of Article 27 of the Law on Payments and Payment Systems and the Rules, and for the obligations of clients - to the bank or its branch where the sender of money is serviced.

Paragraph 145 is amended in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

145. Suspension or termination of execution of a collection order is carried out:

1) by decision of the authorized state body, official or bailiff that presented the collection order;

2) on the basis of a judicial act;

3) in cases of restructuring or conservatorship of the bank, as well as reorganization and liquidation of the debtor and (or) the bank.

The said decisions, rulings, orders (applications) are accepted by banks for execution if they comply with the requirements of the Civil Procedure Code of the Republic of Kazakhstan dated 31 October 2015, Article 122 of the Tax Code, Articles 59 and 62 of the Law on Enforcement Proceedings.

The bank returns without execution the documents specified in the first part of this paragraph if it is impossible to identify them with the collection order whose execution is being suspended or terminated on the basis of these documents.

In the event the bank receives a decision of persons authorized by the legislation of the Republic of Kazakhstan to suspend the execution of instructions (suspension of withdrawal of money), the instructions are subject to storage by the bank within the time periods specified in the decision, or until such decision is revoked by the authorized person.

Instructions whose execution has been suspended are stored by the bank and accepted for off-balance-sheet accounting no later than the next business day from the day of receipt of the documents provided for by this paragraph. When placing an instruction on an off-balance sheet account, the bank, no later than the next business day, sends a corresponding notification to the sender (initiator) of the instruction.

Upon receipt by the bank of a decision of persons authorized by legislative acts of the Republic of Kazakhstan to terminate the seizure of money (prohibition of execution of an instruction), the instructions are returned to the sender with the attachment of the corresponding decision no later than the next business day from the day of receipt of the decision.

146. A collection order of a state revenue body for the recovery of tax debt at the expense of money subject to receipt into the accounts of a tax debtor under its claim to its debtors is sent to the bank servicing the debtor of the tax debtor, in four copies.

147. A collection order of a state revenue body is registered in a separate journal of claims to debtors of tax debtors.

This journal shall indicate the date of receipt of the collection order, which state revenue body issued the collection order, its number, date and amount, and the name of the debtor of the tax debtor.

148. After full payment of the collection order by the debtor of the tax debtor, a note on execution indicating the date and time is made on the second copy of the collection order.

Copies of the collection order after payment are distributed as follows:

1) the first copy is placed in the documents of the day;

2) the second copy is sent to the debtor of the tax debtor together with an extract from its bank account;

3) the third and fourth copies are sent to the state revenue body.

149. In the absence or insufficiency of the amount of money of the sender of money at the bank of the sender of money required for the execution of the collection order, the bank of the sender of money keeps records of them and stores them until the amount of money is received in its correspondent account for subsequent non-cash payment and (or) transfer of money.

Paragraph 150 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see old wording)

150. A collection order of bailiffs presented to a bank account opened for an individual or an individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship, is executed from any bank accounts opened for the given individual and (or) individual entrepreneur if the IIN of the sender of money is identical.

Paragraph 151 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see old wording)

151. A collection order of bailiffs, taking into account the requirement of paragraph 150 of the Rules, is executed in the event of a discrepancy between the names of the sender of money, the owner of the bank account and the debtor specified in the executive document, if the sender of money, the owner of the bank account, the debtor is an individual registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship, if the IIN of the sender of money is identical.

Paragraph 8. Execution of payment documents held in the card index

152. In the absence or insufficiency of the amount of money of the sender of money required for the execution of payment documents, the bank places them in the card index in the manner determined by the Rules.

Paragraph 153 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see old wording); resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see old wording)

153. In the absence or insufficiency of the amount of money in the bank account of the sender of money required for the execution of the collection order, the bank accepts and stores it in the card index until the amount of money is received in the bank account of the sender of money, unless otherwise provided by the Law on Banks and Banking Activity, the Law on Payments and Payment Systems, the Law on Enforcement Proceedings and the Rules."

In the absence or insufficiency of the amount of money in the bank account of the sender of money required for the execution of a payment claim for the recovery of overdue debt on a loan, the bank stores the received payment claim in the card index for one year.

Payment claims for the recovery of overdue debt on a loan held in the card index and not executed within one year from the day of their acceptance by the bank are returned by the bank without execution to the initiator.

154. The bank accepts and stores other payment documents (payment order, payment warrant, application for transfer) for one year, if the specified condition is provided for by the bank account agreement concluded between the sender of money and the bank of the sender of money.

Paragraph 155 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see old wording)

155. The bank, no later than the next business day from the day of placing payment documents in the card index, sends a notice to the beneficiary's bank or to the beneficiary about the placement of these payment documents in the card index, except in the case where the bank is simultaneously the beneficiary's bank. When placing payment documents in the card index, the bank records the time and date of placement.

Paragraph 156 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248 (see old wording)

156. When placing payment documents in the card index, the bank suspends the client's debit operations on the bank account until full repayment of obligations under the payment documents held in the card index, or until their withdrawal or return in the manner determined by the Rules.

The requirement provided for by part one of this paragraph does not apply to the balance of money held in the current account after execution of the payment claim, provided there are no other restrictions and requirements of third parties to the current account of the individual (collection order, arrest, temporary restriction on the disposal of money (property), order to suspend debit operations).

In this case, the bank executes payment documents in the order of priority provided for by Article 742 of the Civil Code.

157. If the amount of money of the sender of money is insufficient to execute collection orders of the state revenue body for the collection of tax debt and of judicial executors, the bank makes partial execution of the collection order as the bank receives money in favor of the sender of money.

When the bank executes a collection order of the state revenue body for the collection of tax debt from one bank account of the taxpayer, collection orders issued by the state revenue body to other bank accounts of the taxpayer opened by it with the specified bank are returned by the bank to the state revenue body without execution with the attachment of a payment document confirming the fact of execution of the collection order of the state revenue body, if such collection orders were issued by the state revenue body for the same amount, for the same type of debt, for the same reporting period.

Upon full execution by the bank of a collection order of the state revenue body for the collection of tax debt or customs payments by debiting money from several bank accounts of the taxpayer (tax agent) - payer of customs payments for the total amount specified in the collection order, collection orders issued by the state revenue body to other bank accounts of the taxpayer (tax agent) of the payer opened by it with the specified bank, if such collection orders were issued on the same date, for the same amount, for the same type of debt, are returned by the bank to the state revenue body without execution with an indication of the reason for their return.

158. Upon partial execution of collection orders of the state revenue body for the collection of tax debt and of judicial executors on paper, a stamp "Partial payment" is placed on its front side. On all copies of the collection order, a record is made of the date and amount of the partial payment and the amount of the remaining balance of this collection order, which is certified by the signatures of authorized persons of the bank.

The bank executes the collection order by generating in its system a collection order for the amount of the partial payment. In the "purpose of payment" field of the collection order for the amount of the partial payment, the bank indicates the details of the collection order.

In the collection order for the amount of the partial payment of the state revenue body for the collection of tax debt, in the "type of operation" field, the code established by paragraph 60 of the Rules is indicated.

159. Upon partial payment of collection orders, the bank makes payment in the amount of money received to the bank account of the sender of money during the operating day of the bank. Partially executed collection orders are placed in the card index until their full payment.

160. Upon receipt by the bank of an order of the state revenue body to revoke a collection order for the collection of tax debt, the execution of which has been partially made, the bank returns the partially executed collection order.

Paragraph 161 is set out in the wording of the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old wording)

161. Storage by the bank of payment documents provided for in paragraph 154 of the Rules is not the fulfillment of obligations for payment in accordance with the terms of payment under a civil-law transaction or mandatory payments made in accordance with Article 24 of the Tax Code, Article 30 of the Law on Mandatory Social Insurance, Article 24 of the Law on Pension Provision.

Paragraph 9. Execution of a standing order of the sender of money

162. For the implementation of regular non-cash payments and (or) transfers of money, the sender of money submits to the bank servicing it a standing order of the sender of money in the form according to Appendix 18 to the Rules, except for payment orders sent via remote access systems.

163. The standing order of the sender of money contains the following mandatory details:

1) details of the beneficiary and the beneficiary's bank (name, IIK, BIK, IIN (BIN));

2) the amount of payment or the conditions determining it;

3) the date of payment and their frequency or the conditions determining them.

164. It is allowed to indicate in the standing order of the sender of money the names of the beneficiary's documents confirming the supply of goods, performance of work or provision of services (hereinafter - supporting documents), the payment of which the sender of money entrusts to the bank of the sender of money.

The procedure and terms for the submission of supporting documents by the beneficiary to the bank of the sender of money or the bank of the beneficiary are established in the agreement between the sender of money and the beneficiary.

165. To revoke a standing order of the sender of money, the sender of money sends to the bank a corresponding notification drawn up in the manner determined by the bank.

166. The bank of the sender of money, according to the terms of the standing order of the sender of money or upon receipt by the bank of the sender of money of supporting documents, forms a payment order or payment order (if the beneficiary is a client of this bank) in favor of the beneficiary specified in the standing order of the sender of money.

167. In the payment order, payment order formed by the bank of the sender of money, the details of the sender of money are indicated as the sender of money. In the "purpose of payment" field of the payment order (payment order), in addition to the purpose of payment, the details of the standing order of the sender of money are indicated, in accordance with which the transfer of money in favor of the beneficiary is carried out.

168. In the event of absence or insufficiency of money in the bank account of the sender of money for a regular non-cash payment and (or) transfer of money, the bank notifies the sender of money of the absence or insufficiency of money in his bank account in the ways established by the agreement between them, and does not form a payment order or payment warrant.

169. If the beneficiary and the bank of the sender of money are the same person, the bank of the sender of money, in case of insufficiency or absence of money in the bank account of the sender of money, places the payment warrant in the card index, unless otherwise established by the agreement concluded between the sender of money and his bank.

170. A standing order of the sender of money is drawn up on paper or in electronic form in the manner determined by the bank of the sender of money.

Paragraph 10. Execution of requirements of third parties (arrest and suspension of expenditure operations)

Item 171 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording); amendments were made in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old wording)

171. The imposition of arrest on money held in the bank account of the sender of money, on the basis of relevant decisions of authorized state bodies, officials or judicial executors having the right to impose arrest on the client's money, temporary restriction on the disposal of money (property) held in bank accounts, as well as suspension of expenditure operations on bank accounts of the sender of money on the basis of relevant decisions of authorized state bodies or officials having the right to suspend expenditure operations on a bank account, is carried out in the manner and in the cases provided for by Article 740 of the Civil Code, Article 161 of the Criminal Procedure Code of the Republic of Kazakhstan dated 4 July 2014, Article 118 of the Tax Code, Article 125 of the Customs Code, Article 51 of the Law on Banks and Banking Activity and Article 62 of the Law on Enforcement Proceedings.

Item 172 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (see the old wording)

172. A decision of authorized state bodies and persons having the right to impose arrest on the client's money is considered executed in full or in part provided that the arrest is secured by money in the bank account (bank accounts) of the sender of money in full or in part.

If the arrest is not secured by money in the bank account of the sender of money, banks accept for execution decisions of authorized state bodies and persons having the right to impose arrest on the client's money.

173. The bank verifies incoming decisions of authorized state bodies, officials or judicial executors on the seizure of money held in a bank account, and orders of authorized state bodies on the suspension of debit operations on bank accounts, for compliance of the client's details specified therein with the details of the bank's client (name or surname, given name, patronymic (if any), IIN (BIN) and IBAN).

In case of non-compliance of the specified details, the bank shall return, within three operational days, to the initiators without execution the decisions of authorized state bodies, officials or judicial executors on the seizure of money held in a bank account, and the orders of authorized state bodies on the suspension of debit operations on bank accounts.

Execution of the decisions of authorized bodies, officials or judicial executors and orders of authorized state bodies on the suspension of debit operations specified in this paragraph is allowed in cases where the surname, given name, patronymic (if any) of an individual or the name of an individual registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship, specified therein, does not correspond to the name of the bank's client (surname, given name, patronymic (if any) of an individual or the name of an individual registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship), where the surname, given name and patronymic (if any), IBAN (if any), and IIN are identical.

174. Debit operations on the bank account of the sender of money shall be resumed after the cancellation by authorized state bodies or officials of decisions on the suspension of debit operations on the bank account.

175. If there are sufficient funds in the bank account of the sender of money against whom a decision has been presented by an authorized state body, official or judicial executor having the right to seize the client's money held in their bank accounts, the bank shall execute the said decision in the order of calendar priority.

176. If there are insufficient funds in the bank account of the sender of money against whom decisions have been presented by an authorized state body, official, or judicial executor having the right to seize the client's money held in their bank accounts, the bank shall record them and suspend debit operations until the necessary amount specified in the seizure decision has accumulated.

In case the ruling on securing a claim, on the basis of which a seizure is imposed on money held in the client's bank account, specifies several bank account numbers of the client (including in tenge and foreign currency) and there are insufficient funds in one bank account, the seizure shall be imposed on the money held in the bank accounts in the order in which the bank accounts are specified in the said ruling.

If there are insufficient funds in bank accounts in tenge, seizure of the remaining amount of money may be imposed on the bank accounts in foreign currency specified in the ruling, taking into account the market exchange rate on the day the seizure is imposed.

Item 177 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30.03.19 No. 44 (put into effect from 24 April 2019) (see old wording)

177. The bank, no later than three business days after receiving the decision of the authorized state body and persons having the right to impose seizure on money held in the debtor's bank accounts, notifies the relevant bodies of the full or partial execution of the decision on imposing seizure, indicating the amount of money on which seizure has been imposed, or of acceptance of the said decision for execution, as well as of any other previously submitted decisions of authorized bodies or officials on imposing seizure or orders on suspension of expenditure operations.

In the case of receiving a bailiff's order on requesting information on bank account numbers and the presence of money in them, information on the nature and value of property held in banks, organizations carrying out certain types of banking operations, as well as in insurance organizations, and on imposing seizure on them, the bank, no later than three business days after receiving such order, notifies the bailiff of its full or partial execution, indicating the amount of money on which seizure has been imposed or of acceptance of the order for execution, sends the information requested within the framework of the order in the manner established by Article 50 of the Law on Banks and notifies of any existing decisions of authorized bodies or officials on imposing seizure or orders on suspension of expenditure operations.

178. In the case of seizure of money held in a bank account on the basis of relevant decisions of an authorized body, official or bailiff and subsequent presentation of a collection order with attached enforcement documents, the bank of the sender of money executes such collection order using the money on which seizure has been imposed, if the following conditions are present:

1) the details of the sender of money (name and IIN (BIN)) indicated in the decisions of the authorized body, official or bailiff on imposing seizure coincide with the details indicated in the enforcement documents on the basis of which the collection order is presented, except for cases provided for by item 151 of the Rules;

2) the enforcement document and the decisions of the authorized body, official or bailiff on imposing seizure are presented within the framework of one case.

If the collection of money on the basis of a collection order is carried out in full, the previously imposed seizure within the framework of the case under which the collection order was executed is considered lifted, and the order on imposing seizure is subject to return to its initiator.

Paragraph 11. Return of money on non-cash payments and (or) money transfers

179. The bank, after executing the sender's payment document, notifies the sender of its execution in the manner determined by the agreement between them.

180. The sender determines the correctness of execution of the payment document and, in the case of its erroneous execution, informs the bank of the discovered error within three business days after discovering the execution of the erroneous payment, but not later than three years from the day of execution of the erroneous instruction or unauthorized payment and (or) money transfer. In the message about the erroneous payment, the sender indicates the details of the payment document and the erroneous details identified by him. The bank is not liable for an erroneously executed payment document if the error in such payment document was made by the sender.

The Rules are supplemented by item 180-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182

180-1. In the case that on the correspondent account of the beneficiary's bank there are unexecuted claims or restrictions on disposal of money that prevent expenditure operations, the bank servicing the correspondent account of the beneficiary's bank returns money received in favor of a person who is not a client of the beneficiary's bank at the time of receiving the payment and (or) money transfer.

The Rules are supplemented by item 180-2 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182

180-2. From the date of deprivation of the bank's license to conduct all banking operations, the temporary administration (temporary administrator) of the bank returns money to the sender in the case of receipt of money in favor of a person who was previously a client of the bank, whose bank account was closed at the time of crediting the payment and (or) money transfer."

Item 181 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see old wording)

181. When the beneficiary's bank establishes the fact of its execution of an erroneous payment, the return of money is carried out by the beneficiary's bank no later than the next business day from the day of discovery of such fact.

The return of money on payments and (or) transfers credited to the correspondent account of the bank in favor of persons who are not clients of the bank, as well as in the case of receipt of money to the bank to clients' accounts that are closed at the time of crediting the payment and (or) money transfer, is carried out by the beneficiary's bank in the manner and within the time limits provided for the return of money on erroneous payments.

182. The bank, no later than three business days after receiving from the sender a notification about the erroneous execution of the payment document:

1) for an erroneous payment containing details that do not correspond to the details of the sender's payment document, sends the payment document in favor of the proper beneficiary or returns to the sender the entire amount of the payment;

2) for an erroneous payment transmitted repeatedly, returns to the sender the incorrectly withdrawn amount. The return of amounts of money by the beneficiary's bank is carried out by drawing up a payment order, in the purpose of payment of which the beneficiary's bank indicates the reasons for the return of money.

The beneficiary's bank returns the erroneous amount to the sender of money on the basis of a letter from the sender's bank within the limitation period.

183. The sender's bank that made an erroneous payment shall send to the beneficiary in whose favor the erroneous payment was made, or to its bank, a notification of the need to return the erroneous payment, with attached documents confirming the fact that the payment was erroneous. The form of the notification shall be determined by the bank independently.

Paragraph 184 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

184. The beneficiary's bank, no later than the operational day following the day of receipt of the notification from the sender's bank about the erroneous execution of the sender's payment document, shall return the erroneously credited amounts of money by debiting them from the beneficiary's bank account without its consent, with subsequent notification of the beneficiary.

185. The return of money for an erroneous payment shall be carried out by the beneficiary's bank at the expense of the money available in the beneficiary's bank account, including in the case where the bank account is subject to decisions of an authorized state body, official, or judicial executor on imposing a seizure on the money held in the bank account, and (or) suspending expenditure operations on the bank account, and (or) unexecuted instructions subject to execution within unspecified periods.

186. In the case of insufficiency or absence of money in the beneficiary's bank account, the return of money for an erroneous payment shall be carried out by the sender's bank that made the erroneous payment, at the expense of its own money, within three operational days after receiving from the beneficiary's bank a notification of the absence or insufficiency of money in the beneficiary's bank account.

187. When the beneficiary's bank carries out the return of the amount of money, the sender's bank shall perform the following actions:

1) credit the amount of money to the sender's bank account;

2) count the received amount in its own favor in the case where, before receiving it, the bank returned money to the sender at the expense of its own money or sent a transfer to the proper beneficiary.

The sender's bank, within three operational days from the day of receipt of the returned money, shall notify the sender of money of such return in the ways established by the bank. In the case where the return of money was made due to the sender's bank indicating instruction details that do not correspond to the details of the instruction received from the sender, the sender's bank, without notifying the sender of money about the return of the payment, shall, within three operational days from the day of the return of money, send to the beneficiary's bank a payment document with the proper details.

188. In the case of independent detection by the sender's bank of the fact of execution of an erroneous payment, the bank shall send to the beneficiary's bank a notification of the need to return it in the procedure determined by the Rules.

Paragraph 12. Unauthorized payments

Amendments were made to paragraph 189 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

189. An authorized payment document is a payment document of the sender:

1) drawn up or compiled in accordance with the requirements established for the drawing up of payment documents in accordance with Article 56 of the Law on Payments and Payment Systems and the Rules;

2) received by the bank in accordance with the agreed procedure of protective actions against unauthorized payments provided for in the agreement between the bank and the sender;

3) certified by a person authorized to make the payment.

A payment document is considered unauthorized if the bank accepted it for execution in violation of the requirements specified in this paragraph.

190. The procedure of protective actions against unauthorized payments shall be agreed upon between the bank and the sender and provided for in the agreement between them.

Amendments were made to paragraph 191 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see the old wording)

191. The sender determines the correctness of execution of the payment document and, in the case of execution of an unauthorized payment document, informs the bank thereof within three operational days after its detection, but within the limitation period, which is calculated from the moment of such payment.

The bank, no later than the next operational day after receiving from the sender a message about an unauthorized payment, shall send to the beneficiary or to the beneficiary's bank a notification of the return of money for the unauthorized payment. The form of the notification shall be determined by the bank independently.

The beneficiary's bank, in the case where this is provided for by the agreement concluded between the beneficiary and the beneficiary's bank, no later than the next operational day from the day of receipt of the bank's notification of the unauthorized payment, shall return the credited amounts of money by debiting them from the beneficiary's bank account without its consent, with subsequent notification of the beneficiary.

The return of money for an unauthorized payment shall be carried out by the beneficiary's bank at the expense of the money available in the beneficiary's bank account, including in the case where the bank account is subject to decisions of an authorized state body or official on imposing a seizure on the money held in the bank account, and (or) suspending expenditure operations on the bank account, and (or) unexecuted instructions subject to execution within unspecified periods.

In the case of insufficiency or absence of money in the beneficiary's bank account, the return of money for an unauthorized payment shall be carried out by the bank that allowed the execution of the unauthorized payment document, at the expense of its own money, within three operational days after receiving from the beneficiary's bank a notification of the absence or insufficiency of money in the beneficiary's bank account.

192. If the bank was timely notified by the sender about an unauthorized payment document and in the case of its execution of an unauthorized payment, it shall compensate the sender for the actual losses associated with the execution of this payment document, in the procedure determined by the agreement between them.

193. The provisions of this chapter apply to orders to revoke a payment document or suspend its execution.

Paragraph 13. Transitional provisions

194. For payment documents of the sender submitted before the entry into force of the Rules, the order of execution of the payment document provided for by paragraph 70 of the Rules shall apply.

195. A payment claim for the recovery of overdue debt under a loan agreement, submitted to the bank before 31 December 2016 (inclusive) and placed in the card file due to insufficiency or absence of money in the bank account of the sender of money, shall, from 1 January 2017, be subject to execution as money is received in the bank account of the sender of money.

196. Payment claims for the recovery of overdue debt under a loan agreement from the current account of an individual, submitted before the entry into force of the Rules, shall be executed in accordance with part two of paragraph 124, paragraphs 137, 138, 139 of the Rules.

197. Collection orders of judicial executors, decisions of authorized state bodies, officials or judicial executors on the seizure of money held in a bank account, orders of authorized state bodies on the suspension of expenditure operations on bank accounts, submitted to a bank account opened for an individual or an individual entrepreneur carrying out activities in the form of personal entrepreneurship, before the entry into force of the Rules shall be executed taking into account paragraphs 150, 151 and part three of paragraph 173 of the Rules.

Appendix 1 to the Rules for the implementation of non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan

Form

Received by the bank

Payment order No. _________ "____" __________________ year (date of issue)

Sender of money
___________________________________________________________________ (name) IIN (BIN) ________________________________________________________ Bank of the sender of money _____________________________________________ __________________________________________________________________ Beneficiary _______________________________________________________ (name) IIN (BIN) _______________________________________________________ Bank of the beneficiary __________________________________________________________________ __________________________________________________________________ Intermediary bank __________________________________________________ __________________________________________________________________ Amount in words ___________________________________________________ __________________________________________________________________ Date of receipt of goods (rendering of services) "___" ____________ year

IIK Code	Amount
BIK
IIK KBe
BIK
BIK

Purpose of payment

Payment purpose code
Budget classification code
Value date

(indicating the name of the goods, work performed, services rendered, numbers and dates of commodity documents, number and date of the contract and other details)

Processed by the bank
"___"

year

Surname, name and patronymic (if any) of the head (authorized person) __________________________________________________________

Signature _______________________________

Surname, name, patronymic (if any) of the chief accountant (authorized person) _____________________ Signature _______________________________

signatures of the responsible bank executives place of stamp

Appendix 2 was amended in accordance with the resolution of the Board
National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see previous edition)

Appendix 2 to the Rules for Making Non-Cash Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan

Form

Received by the bank

Payment order for payment of payments to the budget

No. __________
"____" __________________ year
(date of issue)

Sender of money
Amount (total)

(name)
IIN (BIN) _________________________________
Sender's bank _______________________

IIK	Kod
\|_______
BIK

Beneficiary's IIK KZ24070105KSN0000000
__________________________________________________ KBe 11 Beneficiary's bank Republican State Institution "Committee of Treasury of the Ministry of Finance of the Republic of Kazakhstan" BIK KKMFKZ2A Total (amount in words): ________________________________

Name of beneficiary (state revenue body)	BIN of state revenue body	Purpose of payment	KBK	KNP	Amount

Processed by sender's bank
"___" ____________ year

Surname, name and patronymic (if any) of the head (authorized person) __________________________________________ signature __________________________________

Surname, name and patronymic (if any) of chief accountant (authorized person)

(signatures of responsible bank employees) place of stamp

signature ________________________

Appendix 3 is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan
dated 27.08.18 No. 182 (see previous edition)

Appendix 3 to the Rules for Making Non-Cash Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan

Form

Application for money transfer No. ____

Date
Sender of money	Debit account IIK
Address (for individuals and legal entities) or number of identity document of the sender of money (for an individual)	Commission to be debited from account IIK
IIN (BIN)	I	II	Kod

I Resident - (1); Non-resident - (2); II - Sector of economy (0-9)

Bank	BIC	Value date
Currency	Amount	Amount in words
Beneficiary	Credit account	IBAN
Country	III	IV	KBe
IIN (BIN) (if any)

III Resident - (1); Non-resident - (2); IV - Sector of economy (0-9)

Beneficiary's bank	Intermediary bank
Country	BIC	BIC
Bank commissions	Intermediary Bank commissions
At the expense of the sender of money	At the expense of the sender of money
At the expense of the beneficiary	At the expense of the beneficiary
Contract number, Date	Purpose of payment
	KNP
Special conditions
Signatures of the sender of money		Processed by the bank
Surname, first name, patronymic (if any) of the head (authorized person) _____________________________________ signature _____________________________ Surname, first name, patronymic (if any) of the chief accountant (authorized person) signature _____________________________		«__» _____________ year signatures of responsible performers ______________________

Appendix 4 to the Rules for the Conduct of Cashless Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan

Form

Received by the remitter's bank

Consolidated payment order No. _________ «____» __________________ year (date of issue)

___________________________________________________________________ Remitter's bank ______________________________________________ ___________________________________________________________________ ___________________________________________________________________ Beneficiary's bank ___________________________________________________ ___________________________________________________________________ Intermediary bank ____________________________________________________ ___________________________________________________________________ Amount in words ___________________________________________________ ___________________________________________________________________ Date of receipt of goods (provision of services) «__»_____________ year BIK Amount BIK

Purpose of payment	Payment purpose code
_____________________________________________________	Budget classification code
_____________________________________________________	Value date
_____________________________________________________
_____________________________________________________

(indicating the name of the goods, works performed, services provided, numbers and date of the commodity documents, number and date of the contract and other details)

Processed by the bank of the remitter of money «___» ___________________ year

Surname, first name and patronymic (if any) of the head (authorized person)__________________________________________________________

Signature _______________________________

Surname, first name, patronymic (if any) of the chief accountant (authorized person) _____________________

Signature ________________________

53 Appendix 5 was amended in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old ed.) Appendix 5 to the Rules for the Conduct of Cashless Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan Forms REGISTER No. of remitters to consolidated payment order No._______ dated ______ ___________ year A m o u n t Remitter __________________________________ (name) IIN (BIN) _______________________ CODE IIA Remitter __________________________________ (name) IIN (BIN) _________________________ |CODE_______ IIA Remitter __________________________________ (name) IIN (BIN) _________________________ |CODE_______ IIA Remitter __________________________________ (name) IIN (BIN) _________________________ |CODE_______ IIA Total amount Beneficiary ____________________________________ (name) IIN (BIN) _________________________ KBe_______ IIA Surname, first name and patronymic (if any) of the head (authorized person)__________________________________________________________ Signature_______________________________

Surname, first name, patronymic (if any) of the chief accountant (authorized person _____________________ Signature_______________________________

to consolidated payment order No._______ dated ______ ___________ _______year

Total amount
Remitter

(name)
IIN (BIN) _________________________
CODE___________
IIA
Amount
Beneficiary

(name)
IIN (BIN) _________________________
KBe_______
IIK
Beneficiary

(name)
IIN (BIN) _________________________
|KBe_______
IIK
Beneficiary

(name)
IIN (BIN) _________________________
KBe_______
IIK

Surname, first name and patronymic (if any) of the head (authorized person)__________________________________________________________ Signature_______________________________

Surname, first name, patronymic (if any) of the chief accountant (authorized person) _____________________ Signature_______________________________

Amendments have been made to Appendix 6 in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old. ed.)

Appendix 6 to the Rules for making non-cash payments and (or) transfers of money within the territory of the Republic of Kazakhstan

Form

Received by the bank
""________ year _________ hours
(date and time of receipt)

Payment order No. _______

"____" ________________ year
(date of issue)

		Amount
Money sender	BIK \|COd _______	in tenge	in currency
_____________________________________	IIK
(name)	BIK	KBe
IIN (BIN) _________________________	IIK

Beneficiary _______________________________________________ (name) IIN (BIN) ________________________________________________ Amount in words: ___________________________________________

Purpose of payment	Purpose of payment code
(With indication of services rendered, number and date of the contract and other details)	Value date

Surname, first name and patronymic (if any) of the head (authorized person) _______________ ________ signature Surname and initials of the chief accountant (authorized person) ______________ _______ signature

Processed by the bank

"____" _____________ year
(signatures of responsible executors) place of stamp

Appendix 7
to the Rules for the implementation of non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan Form

cashier
RECEIPT (for individuals) Resident
Non-resident
Money sender _______________________________________ (surname and initials of the taxpayer) IIN _____________________________________________________ Address and phone of the money sender ___________________________ __________________________________________________________ (address and phone of the taxpayer) Identity document details__________________ Beneficiary ____________________ BIN ______________________ (state revenue authority) Beneficiary's bank ________________ BIC _____________________ Treasury Committee of the Ministry of Finance of the Republic of Kazakhstan Payment name KBK KNP Amount Property tax of individuals Land tax Tax on transport vehicles from individuals Total (amount in words):
signature of the money sender___________________ Date ___________

cashier
NOTICE (for individuals) Resident
Non-resident
Money sender _______________________________________ (surname and initials of the taxpayer) IIN _____________________________________________________ Address and phone of the money sender ___________________________ __________________________________________________________ (address and phone of the taxpayer) Identity document details__________________ Beneficiary ____________________ BIN ______________________

(state revenue authority)
Beneficiary's bank ________________ BIC _____________________
Treasury Committee of the Ministry of Finance of the Republic of Kazakhstan
Payment name	KBK	KNP	Amount
Property tax of individuals
Land tax
Tax on transport vehicles from individuals


Total (amount in words):
signature of the money sender___________________ Date ___________

Appendix 8
to the Rules for the implementation of non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan Form

RECEIPT (for individual entrepreneurs)
Resident
Non-resident
Remitter _________________________________________
(surname and initials or name of the taxpayer)
IIN (BIN) _______________________________________________
Address and telephone of the remitter___________________________
__________________________________________________________
(address and telephone of the taxpayer)
Identity document details__________________
Beneficiary______________________ BIN ____________________
(state revenue authority)
Beneficiary's bank __________________ BIC ___________________
Treasury Committee of the Ministry of Finance of the Republic of Kazakhstan
Payment name	KBK	KNP	Amount
Individual income tax
Value added tax
Social tax
Individual income tax,
withheld at the source of payment
Total (amount in words):
signature of the remitter___________________ Date ___________

cashier	NOTICE (for individual entrepreneurs)
	Resident
	Non-resident
	Remitter _________________________________________
	(surname and initials or name of the taxpayer)
	IIN (BIN) _______________________________________________
	Address and telephone of the remitter___________________________
	__________________________________________________________
	(address and telephone of the taxpayer)

Identity document details__________________
Beneficiary _____________________BIN ______________________
(state revenue authority)
Beneficiary's bank __________________ BIC ___________________
Treasury Committee of the Ministry of Finance of the Republic of Kazakhstan
Name of payment	KBK	KNP	Amount
Individual income tax
Value added tax
Social tax
Individual income tax withheld at the source of payment


Total (amount in words):
signature of the sender of money___________________ Date ___________

Appendix 9 to the Rules for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan

Form

RECEIPT (for legal entities)	Resident Non-resident
Sender of money __________________________________________ (name of the legal entity or name of the branch, representative office, structural subdivision of the legal entity)
BIN ______________________________________________________
Address and telephone of the sender of money ____________________________ ___________________________________________________________
Identity document data___________________________________________________
Beneficiary _______________________ BIN ____________________ (state revenue body)
Beneficiary's bank __________________ BIC ___________________
Treasury Committee of the Ministry of Finance of the Republic of Kazakhstan
Name of payment	KBK	KNP	Amount
Corporate income tax
Excises
VAT
Social tax
Total (amount in words):
Date
________________________ ________________________________
Surname, name and patronymic (if any) of the head (authorized person)
Signature ____________
______________________ ________________________________
Surname, name and patronymic (if any) of the chief accountant (authorized person)
Signature____________
cashier

NOTIFICATION (for legal entities)

Resident
Non-resident

Sender of money __________________________________________ (name of the legal entity or name of the branch, representative office, structural subdivision of the legal entity) BIN_______________________________________________________ Address, telephone of the sender of money _____________________________ Identity document data __________________ ___________________________________________________________ Beneficiary _______________________ BIN ____________________ (state revenue body) Beneficiary's bank __________________ BIC ____________________ Treasury Committee of the Ministry of Finance of the Republic of Kazakhstan

Name of payment	KBK	KNP	Amount
Corporate income tax
Excise taxes
VAT
Social tax

Total (amount in words): ________________Date _______________

________________________ ________________________________ Surname, name and patronymic (if any) of the head (authorized person) Signature ____________

______________________ ________________________________ Surname, name and patronymic (if any) of the chief accountant (authorized person) Signature____________

cashier

Appendix 10 to the Rules for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan

RECEIPT Resident
(for pension contributions) Non-resident
Sender of money____________________________________________________ IIN (BIN) _____________________________________________ Address and telephone of the sender of money _________________________ ________________________________________________________ Data of the identity document _________________________________________________ Beneficiary _____________________________________________ BIN________________________ IIK ______________________ Beneficiary's bank ________________________________________ BIC _____________________________ Name of payment KNP Amount Mandatory pension contributions 010 Voluntary pension contributions 013 Mandatory professional pension contributions 015 Mandatory pension contributions of the employer 089 Penalty Total: (amount in words): _____________________________________ Date ____________________ Surname, name and patronymic (if any) of the sender of money _________________ Signature _____________ Cashier No. Individual identification number Surname, name, patronymic Date of birth Period Amount 1. 2. 3. TOTAL:

Surname, name and patronymic (if any) of the sender of money ______________________________ Signature _______________ Date _______________

NOTICE (for pension contributions)

Resident ☐
Non-resident ☐

Sender of money____________________________________ IIN (BIN) __________________________________________ Address of sender of money and telephone _____________________ ____________________________________________________ Data of the identity document _____________________________________________ Beneficiary _________________________________________ BIN _____________________ IIK _____________________ Beneficiary's bank ___________________________________ BIK ________________________________________________

Name of payment	KNP	Amount
Mandatory pension contributions	010
Voluntary pension contributions	013
Mandatory professional pension contributions	015
Mandatory pension contributions of the employer	089
Penalty

Total (amount in words): ______________________________ Date __________________

Surname, name and patronymic (if any) of the sender of money ____________________ Signature __________

Cashier:

№	Individual identification number	Surname, name, patronymic	Date of birth	Period	Amount
1.
2.
3.


Total:

Surname, name and patronymic (if any) of the sender of money ___________________________ Signature ___________ Date _______________

Amendments were made to Appendix 11 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see previous version); it is set out in the wording of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 29.11.18 No. 302 (see previous version)

Appendix 11 to the Rules for the implementation of non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan

Form

RECEIPT (for social contributions to the State Social Insurance Fund, contributions and (or) payments to the Social Health Insurance Fund, single aggregate payment to the non-profit joint-stock company "State Corporation "Government for Citizens")

Resident
Non-resident
Sender of money ________________________________________ IIN (BIN) ______________________________________________ Address and telephone of the sender of money __________________________ _________________________________________________________ Data of the identity document_________________ Beneficiary NJSC "State Corporation "Government for Citizens" BIN __________________________________________________ IIK __________________________________________________ Beneficiary's bank _______________________________________ BIK__________________________________________________

Cashier:

Name of payment	KNP	Amount
Social contributions to the State Social Insurance Fund	012
Penalty for late transfer of social contributions	017
Contributions to compulsory social health insurance	121
Payments to compulsory social health insurance	122
Penalty for late transfer of contributions to compulsory social health insurance	123
Penalty for late transfer of payments to compulsory social health insurance	124
Unified aggregate payment	183
Total (amount in words): _________________________________
Date ___________________
Surname, name and patronymic (if any) of the sender of money
_________________
Signature ______________
No.	Individual identification	Surname, name, patronymic	Date of birth	Period (month, year)	Amount
	number	(if any)
1.
2.
3.


Total:
Surname, name and patronymic (if any) of the sender of money
_________________________ Signature __________
Date _______________

Cashier:

NOTICE (for social contributions to the State Social Insurance Fund, contributions and (or) payments to the social health insurance fund, unified aggregate payment to the non-commercial joint-stock company "State Corporation "Government for Citizens")

Resident
Non-resident
Sender of money ___________________________________ IIN (BIN) __________________________________________ Address of the sender of money and telephone ____________________ ___________________________________________________ Identity document data ___________________________________________ Beneficiary NJSK "State Corporation "Government for citizens" BIN _______________________________________________ IIK _______________________________________________ Beneficiary's bank ____________________________________ BIK _______________________________________________

Name of payment	KNP	Amount
Social contributions to the State Social Insurance Fund	012
Penalty for late transfer of social contributions	017
Contributions to compulsory social health insurance	121
Payments to compulsory social health insurance	122
Penalty for late transfer of contributions to compulsory social health insurance	123
Penalty for late transfer of payments to compulsory social health insurance	124
Unified aggregate payment	183

Surname, name and patronymic (if any) of the sender of money _______ Signature ______

No.	Individual identification number	Surname, name, patronymic (if any)	Date of birth	Period (month, year)	Amount
1.
2.
3.


Total:

Surname, first name and patronymic (if any) of the money sender ______________________ Signature _______________ Date _______________

Appendix 12 has been amended in accordance with the resolution of the Board
of the National Bank of the RK dated 27.08.18 No. 182 (see old edition)

Appendix 12 to the Rules for Making Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Form

Received by the money sender's bank "__" ___________ year Time of acceptance _______________________________________

Payment demand No. _ "" __________ year (date of issue)

Amount

Money sender	IIC \|COde__________
___________________________________
(name)
IIN (BIN) _________________________
Bank of the money sender_______________
___________________________________	BIC
Beneficiary ________________________
(name)
IIN (BIN)
___________________________________	IIC \|KBe__________
Bank of the beneficiary
___________________________________	BIC
___________________________________
Intermediary bank ____________________	BIC
___________________________________
	Payment purpose
	code

Amount in words ______________________________________________________ ______________________________________________________

Date of receipt of goods (provision of services) "__" ____________ year

Purpose of payment

________________________________________________ (indicating the name, date and number of the contract)

Processed by the money sender's bank
"___" ___________________ year
(signatures of responsible performers)

_____________________________ ________________ Surname, first name and patronymic (if any) of the beneficiary's manager (authorized person)

Signature__________________________
_______________________________________ _________ Surname, first name and patronymic (if any) of the beneficiary's chief accountant (authorized person)______________________ Signature___________________________________

Appendix 13 has been amended in accordance with the resolution of the Board
of the National Bank of the RK dated 27.08.18 No. 182 (see old edition)

Appendix 13
to the Rules for Making
Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Form

Register No. _____ of payment demands

______________________________________________________________ (name of the beneficiary, KBe, BIN)

____ ______________ year
Total amount

(Date of issue)
Number of payment
Beneficiary's bank
______________________________ demands

BIK
____________________________________ in the city ____________________________ Beneficiary's IIC ______________________________

No. item	No. of payment demand	Date of payment demand	Amount
1.
2.
3.
4.
5.

Accepted by the bank
"____" __________ 20 __ year
Surname, first name and patronymic (if any) of the head (authorized person) ___________________________ signature ___________________ Surname, first name and patronymic (if any) of the chief accountant (authorized person) ____________________ signature ______________________________ place of stamp _______________________________________ Time of acceptance _______________ (Signatures of responsible executors)

Appendix 14 has been amended in accordance with the resolution of the Board
of the National Bank of the RK dated 27.08.18 No. 182 (see old edition)

Appendix 14 to the Rules for the Implementation of Non-Cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Form

Received by the sender's bank "__" __________ year Time of acceptance _______________________________________

Collection Order No. dated "" _________________ year (date of issue)

Money sender

(name)
IIN (BIN) _______________________
Bank of the money sender_______________

Beneficiary _________________________
(name)
IIN (BIN)

Beneficiary's bank

Intermediary bank ____________________

IIC	\|Code__________
BIC
IIC	\|KBe__________
BIC
BIC
Payment purpose code

Amount in words ______________________________________________________ _____________________________________________________ Purpose of payment ____________________________________ _____________________________________________________ (with a mandatory reference to the legislative act pursuant to which the money is being seized) Processed by the remitter's bank "_____" ____________________ year Surname, first name and patronymic (if any) of the authorized person (bailiff) executor) Signature _________________________

Reverse side

Information on partial payment of a collection order

Details of the collection order for the partial payment amount	Date of partial payment	Amount of partial payment	Remaining balance of the collection order amount	Signatures of authorized persons

Appendix 15 has been amended in accordance with the resolution of the Board of
the National Bank of the RK dated 27.08.18 No. 182 (see old edition)

Appendix 15 to the Rules for the Conduct of Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Form

Received by the remitter's bank "__" ____________ year Time of receipt _______________________________________

Collection order No. _ of the state revenue authority dated "" ___ year (date of issue)

Remitter___________________________

(name)
IIN (BIN)

Remitter's bank ______________________

Beneficiary ________________________________
(name)
IIN (BIN)________________________________
Beneficiary's bank ___________________________ ___________________________________________ Intermediary bank_____________________________ ___________________________________________

AMOUNT
IIC \|Code______
BIC
IIC \|KBe______
BIC
BIC
Payment purpose code

Amount in words __________________________________________________ _______________________________________________________________ Purpose of payment_____________________________________________ _____________________________________________________________ (with a mandatory reference to the legislative act pursuant to which with which the money is seized) _______________________________________________________________

Type and term of the tax (payment)	Budget classification code	Amount	Type of operation

TOTAL:

Processed by the sender's bank
"_____" _____________________ year

(signatures of responsible performers)
Surname, first name and patronymic of the authorized person ____________________________________ signature ____________________________ Head of department ____________________________ signature ______________________________________ Place of the stamp

Information on partial payment of a collection order (only for collection orders of the state revenue authority)

Details of the collection order for the amount of partial payment	Date of partial payment	Amount of partial payment	Remaining amount of the collection order	Signatures of authorized persons

Appendix 16
to the Rules for the conduct of non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan Form

Order No. ___ dated "_" _____________ (date of issue) on the recall of a payment document

Submitted to bank _________________________________________________________________________ ________________________________________________ (name)

In accordance with Articles 45 and 50 of the Law of the Republic of Kazakhstan dated 26 July 2016 "On Payments and Payment Systems", we request the return without execution of

____________________________________________________________________________ _______________________________________________________________ (name of the payment document)

No. ________ dated "___" ________________ year in the amount of ____________________________________________________________________________ _________________ (date of issue) (in figures and in words)

Sender's IIK ___________________________________________________ Sender's IIN (BIN) of money ____________________________________________ KOD ______________________________________________________________ KBe _______________________________________________________________

Purpose of payment
____________________________________________________________________________ _______________________________________________________________ ____________________________________________________________________________ _______________________________________________________________ (as specified in the payment document)

Other information

Surname, first name and patronymic (if any) of the head (authorized person) _____________ __________ ___________

signature ______________
Surname, first name and patronymic (if any) of the chief accountant (authorized person) signature ___________________

Appendix 17
to the Rules for the Conduct of
Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Form

Order No. ___ dated "_"_________________ (date of issue) on the Suspension of Execution of a Payment Document

Submitted to bank _________________________________________________________________________ ______________________________________ (name)

Pursuant to Articles 45 and 50 of the Law of the Republic of Kazakhstan dated 26 July 2016 "On Payments and Payment Systems", we request the suspension of

_____________________________________________________________________________ ____________________________________________________ (name of payment document)

No. _______ dated "____" ________________ in the amount of _____________________________________________________________________________ ______ (date of issue) (in figures and in words)

Sender's IIA __________________________________________________ Beneficiary's IIA _________________________________________________ KOD _____________________________________________________________ KBE ______________________________________________________________

Purpose of payment
_____________________________________________________________________________ __________________________________ _____________________________________________________________________________ ____________________________________________________ (as indicated in the payment document)

Other information

Surname, first name and patronymic (if any) of the head (authorized person) _________ _______________ signature ______________

Surname, first name and patronymic (if any) of the chief accountant (authorized person) signature ___________________

Appendix 18 to the Rules for the Conduct of Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Form

Standing Order of the Money Sender No. ___ dated "_"_________________ (date of issue)

Submitted to bank _________________________________________________________________________ __________________________________________________ (name)

Pursuant to Article 51 of the Law of the Republic of Kazakhstan dated 26 July 2016 "On Payments and Payment Systems", we request that payments and (or) money transfers be made according to the following details:

Beneficiary 1:

Name of beneficiary
_____________________________________________________________________________ ________________________________________ (full name or surname, first name, patronymic (if any))

Beneficiary's IIA ________________________________________________

Beneficiary's IIN (BIN) __________________________________________

Name of the beneficiary's bank
_____________________________________________________________________________ __________________________________ (full name)

BIC of the beneficiary's bank ___________________________________________

BIN of the beneficiary's bank ___________________________________________

Amount
_____________________________________________________________________________ __________________________________________________________ (in figures and in words or the conditions defining it) _____________________________________________________________________________ _______________________________________________________________

Name of the supporting documents___________________________________________________________________ ___________________________________ (if necessary) _____________________________________________________________________________ _______________________________________________________________

Purpose of payment

Beneficiary 2:
Name of the beneficiary
_____________________________________________________________________________ _______________________________________ (full name or surname, first name, patronymic (if available) IIC of the beneficiary ________________________________________________ IIN (BIN) of the beneficiary __________________________________________ Name of the beneficiary's bank _____________________________________________________________________________ __________________________________ (full name) BIC of the beneficiary's bank ___________________________________________ BIN of the beneficiary's bank ___________________________________________ Amount _____________________________________________________________________________ __________________________________________________________ (in figures and in words or the conditions defining it) _____________________________________________________________________________ _______________________________________________________________

Conditions for the transfer of money
_____________________________________________________________________________ ___________________________________________ (date, frequency, other conditions) _____________________________________________________________________________ _______________________________________________________________ Name of the supporting documents___________________________________________________________________ ___________________________________ (if necessary) _____________________________________________________________________________ _______________________________________________________________ Purpose of payment _____________________________________________________________________________ _____________________________________________ _____________________________________________________________________________ _______________________________________________________________ Surname, first name and patronymic (if any) of the head (authorized person) __________ _______________ signature ______________ Surname, first name and patronymic (if any) of the chief accountant (authorized person) signature ___________________

Appendix
to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 208

List of certain resolutions of the Board of the National Bank of the Republic of Kazakhstan, as well as structural elements of certain resolutions of the Board of the National Bank of the Republic of Kazakhstan, recognized as having lost force

1. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 13 October 2000 No. 395 "On Approval of the Rules for Making Non-cash Payments and Money Transfers within the Territory of the Republic of Kazakhstan without Opening a Bank Account" (registered in the State Registration Register of Regulatory Legal Acts under No. 1304, published in 2001 in the Bulletin of Regulatory Legal Acts of Central Executive and Other State Bodies of the Republic of Kazakhstan, No. 5).

2. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 25 November 2000 No. 433 "On Approval of the Rules for Making Non-cash Payments between a Client and the Bank Serving It" (registered in the State Registration Register of Regulatory Legal Acts under No. 1352, published in 2001 in the Bulletin of Regulatory Legal Acts of Central Executive and Other State Bodies of the Republic of Kazakhstan, No. 2).

3. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 13 July 2001 No. 283 "On Approval of Amendments and Additions to the Rules for Making Non-cash Payments between a Client and the Bank Serving It, approved by the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 25 November 2000 No. 433" (registered in the State Registration Register of Regulatory Legal Acts under No. 1628, published in 2001 in the Bulletin of Regulatory Legal Acts of Central Executive and Other State Bodies of the Republic of Kazakhstan, No. 34).

4. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 14 November 2001 No. 430 "On Approval of the Rules for Making Payments by Direct Debiting of a Bank Account" (registered in the State Registration Register of Regulatory Legal Acts under No. 1706, published in 2002 in the Bulletin of Regulatory Legal Acts of Central Executive and Other State Bodies of the Republic of Kazakhstan, No. 12).

5. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 16 November 2001 No. 439 "On introducing an addition and amendment to the resolution of the Board of the National Bank of the Republic of Kazakhstan 'On approval of the Rules for making non-cash payments and transfers of money in the territory of the Republic of Kazakhstan without opening a bank account' dated 13 October 2000 No. 395" (registered in the Register of state registration of normative legal acts under No. 1711, published in 2002 in the Bulletin of normative legal acts of central executive and other state bodies of the Republic of Kazakhstan, No. 12).

6. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 4 July 2003 No. 204 "On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 13 October 2000 No. 395 'On

approval of the Rules for making non-cash payments and transfers of money in the territory of the Republic of Kazakhstan without opening a bank account', registered with the Ministry of Justice of the Republic of Kazakhstan under No. 1304 (registered in the Register of state registration of normative legal acts under No. 2445, published on 23 August 2003 in the newspaper "Kazakhstanskaya Pravda" No. 244-245 (24184-24185).

7. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27 August 2005 No. 95 "On introducing amendments and additions to certain resolutions of the Board of the National Bank of the Republic of Kazakhstan on issues of drawing up and executing payment documents" (registered in the Register of state registration of normative legal acts under No. 3883, published on 27 October 2005 in the newspaper "Yuridicheskaya Gazeta" No. 197-198 (931-932).

8. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 12 August 2006 No. 74 "On introducing amendments and additions to certain resolutions of the Board of the National Bank of the Republic of Kazakhstan on issues of maintaining bank accounts with the National Bank of the Republic of Kazakhstan and executing collection orders" (registered in the Register of state registration of normative legal acts under No. 4407, published on 19 October 2006 in the newspaper "Yuridicheskaya Gazeta" No. 185 (1165).

9. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 25 June 2007 No. 67 "On introducing additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 13 October 2000 No. 395 'On approval of the Rules for making non-cash payments and transfers of money in the territory of the Republic of Kazakhstan without opening a bank account'" (registered in the Register of state registration of normative legal acts under No. 4856, published on 16 August 2007 in the newspaper "Yuridicheskaya Gazeta" No. 125 (1328).

10. Items 5 and 7 of the List of normative legal acts of the National Bank of the Republic of Kazakhstan to which amendments are made, which is an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 20 July 2007 No. 76 "On introducing amendments to certain normative legal acts of the National Bank of the Republic of Kazakhstan on issues of identification numbers" (registered in the Register of state registration of normative legal acts under No. 4880, published on 5 September 2007 in the newspaper "Yuridicheskaya Gazeta" No. 135 (1338).

11. Items 5 and 7 of the List of normative legal acts of the National Bank of the Republic of Kazakhstan to which amendments and additions are made, which is an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 20 August 2010 No. 76 "On introducing amendments and additions to certain normative legal acts of the National Bank of the Republic of Kazakhstan on issues of identification numbers" (registered in the Register of state registration of normative legal acts under No. 6534, published on 4 November 2010 in the newspaper "Kazakhstanskaya Pravda" No. 292 (26353).

12. Item 2 of the List of amendments and additions to be made to certain resolutions of the Board of the National Bank of the Republic of Kazakhstan on issues of making payments and transfers of money, which is an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30 May 2011 No. 52 "On introducing amendments and additions to certain resolutions of the Board of the National Bank of the Republic of Kazakhstan on issues of making payments and transfers of money" (registered in the Register of state registration of normative legal acts under No. 7080, published on 3 August 2011 in the newspaper "Yuridicheskaya Gazeta" No. 110 (2100).

13. Items 5 and 7 of the List of normative legal acts of the National Bank of the Republic of Kazakhstan to which amendments are made, which is appendix 1 to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 1 July 2011 No. 65 "On introducing amendments to certain normative legal acts of the National Bank of the Republic of Kazakhstan on issues of identification numbers" (registered in the Register of state registration of normative legal acts under No. 7122, published on 15 September 2011 in the newspaper "Yuridicheskaya Gazeta" No. 133 (2123).

14. Item 2 of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 26 December 2011 No. 205 "On introducing amendments and additions to certain normative legal acts of the National Bank of the Republic of Kazakhstan on issues of making payments and transfers of money" (registered in the Register of state registration of normative legal acts under No. 7408, published on 28 April 2012 in the newspaper "Kazakhstanskaya Pravda" No. 121-122 (26940-26941).

15. Paragraphs 6 and 8 of the Amendments to Certain Regulatory Legal Acts of the National Bank of the Republic of Kazakhstan on Identification Numbers, which is Appendix 1 to Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 26 March 2012 No. 108 "On Amendments to Certain Regulatory Legal Acts of the National Bank of the Republic of Kazakhstan on Identification Numbers" (registered in the Register of State Registration of Regulatory Legal Acts under No. 7625, published on 6 September 2012 in the newspaper "Kazakhstanskaya Pravda" No. 299-300 (27118-27119).

16. Paragraph 5 of the List of Regulatory Legal Acts on the Implementation of Payments and Money Transfers, to which Amendments and Additions are Made, which is an Appendix to Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 26 April 2013 No. 117 "On Amendments and Additions to Certain Regulatory Legal Acts on the Implementation of Payments and Money Transfers" (registered in the Register of State Registration of Regulatory Legal Acts under No. 8513, published on 23 July 2013 in the newspaper "Yuridicheskaya Gazeta" No. 107 (2482).

17. Paragraphs 2, 4 and 5 of the List of Regulatory Legal Acts of the National Bank of the Republic of Kazakhstan, to which Amendments and Additions are Made, which is Appendix 1 to Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22 October 2014 No. 200 "On Amendments and Additions to Certain Regulatory Legal Acts of the National Bank of the Republic of Kazakhstan on the Implementation of Payments and Money Transfers, the Procedure for Opening, Maintaining and Closing Bank Accounts" (registered in the Register of State Registration of Regulatory Legal Acts under No. 9943, published on 30 December 2014 in the information and legal system "Adilet" of the republican state enterprise with the right of economic management "Republican Center for Legal Information of the Ministry of Justice of the Republic of Kazakhstan").

18. Paragraphs 5, 6 and 7 of the List of Regulatory Legal Acts of the Republic of Kazakhstan on the Fundamental Improvement of Conditions for Entrepreneurial Activity in the Republic of Kazakhstan, to which Amendments are Made, which is an Appendix to Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 25 February 2015 No. 28 "On Amendments to Certain Regulatory Legal Acts of the Republic of Kazakhstan on the Fundamental Improvement of Conditions for Entrepreneurial Activity in the Republic of Kazakhstan" (registered in the Register of State Registration of Regulatory Legal Acts under No. 10715, published on 6 May 2015 in the information and legal system "Adilet" of the republican state enterprise with the right of economic management "Republican Center for Legal Information of the Ministry of Justice of the Republic of Kazakhstan").

19. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 28 January 2016 No. 30 "On Approval of the Instruction on the Drawing Up, Use and Execution of Payment Orders, Payment Claims-Orders, Collection Orders" (registered in the Register of State Registration of Regulatory Legal Acts under No. 13275, published on 4 April 2016 in the information and legal system "Adilet" of the republican state enterprise with the right of economic management "Republican Center for Legal Information of the Ministry of Justice of the Republic of Kazakhstan").

20. Paragraph 2 of the List of Regulatory Legal Acts of the National Bank of the Republic of Kazakhstan on the Issues of Payments and Money Transfers and Maintaining Bank Accounts, to which Amendments are Made, which is an Appendix to Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 28 January 2016 No. 32 "On Amendments to Certain Regulatory Legal Acts of the National Bank of the Republic of Kazakhstan on the Issues of Payments and Money Transfers and Maintaining Bank Accounts" (registered in the Register of State Registration of Regulatory Legal Acts under No. 13304, published on 14 March 2016 in the information and legal system "Adilet" of the republican state enterprise with the right of economic management "Republican Center for Legal Information of the Ministry of Justice of the Republic of Kazakhstan").

On approval of the Rules for making non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan

Rules for making non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan

Chapter 1. General provisions

Chapter 2. Payment documents

Paragraph 1. Execution of payment documents

Paragraph 2. Payment order

Paragraph 3. Payment order

Paragraph 4. Payment notice

Paragraph 5. Payment claim

Paragraph 6. Collection order

Chapter 3. General requirements for the procedure for presenting and executing payment documents

Paragraph 1. Presentation of payment documents

Paragraph 2. Execution of a payment document

Paragraph 3. Grounds for the bank's refusal to execute a payment document

Paragraph 4. Revocation and suspension of execution of an instruction

Chapter 4. Making non-cash payments and (or) money transfers, as well as execution of requirements of third parties

Paragraph 1. Execution of a payment order

Paragraph 2. Execution of a payment notice

Paragraph 3. Specifics of carrying out non-cash payments and (or) money transfers without opening a bank account

Paragraph 4. Execution of payment by direct debit of a bank account

Paragraph 6. Execution of a payment order

Paragraph 7. Execution of a collection order

Paragraph 8. Execution of payment documents held in the card index

Paragraph 9. Execution of a standing order of the sender of money

Paragraph 10. Execution of requirements of third parties (arrest and suspension of expenditure operations)

Paragraph 11. Return of money on non-cash payments and (or) money transfers

Paragraph 12. Unauthorized payments

Paragraph 13. Transitional provisions

Appendix 1 to the Rules for the implementation of non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan

Appendix 2 to the Rules for Making Non-Cash Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan

Appendix 3 to the Rules for Making Non-Cash Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan

Appendix 4 to the Rules for the Conduct of Cashless Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan

Appendix 6 to the Rules for making non-cash payments and (or) transfers of money within the territory of the Republic of Kazakhstan

Appendix 9 to the Rules for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan

NOTIFICATION (for legal entities)

Appendix 10 to the Rules for making non-cash payments and (or) money transfers in the territory of the Republic of Kazakhstan

NOTICE (for pension contributions)

Appendix 11 to the Rules for the implementation of non-cash payments and (or) money transfers on the territory of the Republic of Kazakhstan

Appendix 12 to the Rules for Making Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Payment demand No. _________ "____" __________________ year (date of issue)

Register No. _____ of payment demands

Appendix 14 to the Rules for the Implementation of Non-Cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Collection Order No. ______ dated "____" _______________________ year (date of issue)

Information on partial payment of a collection order

Appendix 15 to the Rules for the Conduct of Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Collection order No. ___________ of the state revenue authority dated "____" _____________ year (date of issue)

Information on partial payment of a collection order (only for collection orders of the state revenue authority)

Order No. _____ dated "_____" _______________ (date of issue) on the recall of a payment document

Order No. _____ dated "_____"___________________ (date of issue) on the Suspension of Execution of a Payment Document

Appendix 18 to the Rules for the Conduct of Non-cash Payments and (or) Money Transfers within the Territory of the Republic of Kazakhstan

Standing Order of the Money Sender No. _____ dated "_____"___________________ (date of issue)

List of certain resolutions of the Board of the National Bank of the Republic of Kazakhstan, as well as structural elements of certain resolutions of the Board of the National Bank of the Republic of Kazakhstan, recognized as having lost force

Lineage: No known changes

Similar documents from other regulators

Payment demand No. _ "" __________ year (date of issue)

Collection Order No. dated "" _________________ year (date of issue)

Collection order No. _ of the state revenue authority dated "" ___ year (date of issue)

Order No. ___ dated "_" _____________ (date of issue) on the recall of a payment document

Order No. ___ dated "_"_________________ (date of issue) on the Suspension of Execution of a Payment Document

Standing Order of the Money Sender No. ___ dated "_"_________________ (date of issue)