«ҚАЗАҚСТАН
РЕСПУБЛИКАСЫНЫҢ
ҰЛТТЫҚ БАНКІ»
РЕСПУБЛИКАЛЫҚ
МЕМЛЕКЕТТІК МЕКЕМЕСІ
БАСҚАРМАСЫНЫҢ
ҚАУЛЫСЫ
31 August 2016
Almaty city

REPUBLICAN
STATE
INSTITUTION
«NATIONAL BANK
OF THE REPUBLIC OF KAZAKHSTAN»
RESOLUTION
OF THE BOARD
No. 207
Almaty city

On approval of the Rules for opening, maintaining and closing bank accounts of clients

Registered by the Ministry of Justice of the Republic of Kazakhstan under No. 14422 dated 15.11.2016

(as amended as of 27.07.2019)

In accordance with 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», for the purpose of establishing the procedure for opening, maintaining and closing bank accounts of clients, the Board of the National Bank of the Republic of Kazakhstan RESOLVES:

1. To approve the attached Rules for opening, maintaining and closing bank accounts of clients.

2. To recognize as having lost 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.), state registration of this resolution with the Ministry of Justice of the Republic of Kazakhstan;

2) sending of 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 of 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 the sending of this resolution for official publication in periodical print 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 expiration of ten calendar days after the day of its first official publication.

See the response of the Minister of Justice of the Republic of Kazakhstan dated 13 December 2016 No. 450034

Chairman of the National Bank
D. Akishev

«AGREED»
Minister of Justice of the Republic of Kazakhstan M. Beketayev 2016

«AGREED»
Minister of Finance of the Republic of Kazakhstan B. Sultanov 2016

Appendix
to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 207

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 2 June 2000 No. 266 «On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan» (registered in the Register of state registration of normative legal acts under No. 1199, published in 2000 in the Bulletin of normative legal acts of central executive and other state bodies of the Republic of Kazakhstan No. 9).

2. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 8 October 2001 No. 382 «On approval of amendments to the Instruction on the procedure for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266» (registered in the Register of state registration of normative legal acts under No. 1675, published in 2001 in the Bulletin of normative legal acts of central executive and other state bodies of the Republic of Kazakhstan No. 40-41).

3. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 21 March 2003 No. 90 «On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 «On approval of the Instruction on the procedure for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan», registered with the Ministry of Justice of the Republic of Kazakhstan under No. 1199» (registered in the Register of state registration of normative legal acts under No. 2244, published on 6 June 2003 in the newspaper «Kazakhstanskaya Pravda» No. 163-164 (24103-24104).

4. Paragraph 5 of the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 21 April 2003 No. 140 «On recognizing bank deposit certificates as securities and introducing an amendment to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 «On approval of the Instruction on the procedure for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan», registered with the Ministry of Justice of the Republic of Kazakhstan under No. 1199» (registered in the Register of state registration of normative legal acts under No. 2343).

5. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 24 January 2006 No. 2 "On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Instruction on the procedure for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 4094, published on 10 March 2006 in the newspaper "Yuridicheskaya Gazeta" No. 42-43 (1022-1023).

6. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 18 January 2007 No. 2 "On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 4534, published on 16 February 2007 in the newspaper "Yuridicheskaya Gazeta" No. 25 (1228).

7. Paragraph 4 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).

8. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 24 October 2007 No. 123 "On introducing additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 5128, published on 19 February 2008 in the newspaper "Yuridicheskaya Gazeta" No. 25 (1425).

9. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 23 June 2008 No. 49 "On introducing additions and amendments to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 5272, published on 26 August 2008 in the newspaper "Yuridicheskaya Gazeta" No. 129 (1529).

10. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 9 July 2009 No. 60 "On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 5754, published on 4 September 2009 in the newspaper "Yuridicheskaya Gazeta" No. 134 (1731).

11. Paragraph 5 of the List of resolutions of the Board 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 24 August 2009 No. 85 "On introducing amendments and additions to certain resolutions of the Board of the National Bank of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 5806, published on 30 October 2009 in the newspaper "Yuridicheskaya Gazeta" No. 166 (1763).

12. Paragraph 3 of the List of resolutions of the Board 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 25 September 2009 No. 91 "On introducing amendments and additions to certain resolutions of the Board of the National Bank of the Republic of Kazakhstan on issues of transition to a new structure of the bank account number of a bank client and the bank identification code" (registered in the Register of state registration of normative legal acts under No. 5852, published on 4 December 2009 in the newspaper "Yuridicheskaya Gazeta" No. 186 (1783).

13. Paragraph 4 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).

14. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 25 March 2011 No. 24 "On introducing 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 and opening and maintaining bank accounts" (registered in the Register of state registration of normative legal acts under No. 6946, published on 28 May 2011 in the newspaper "Kazakhstanskaya Pravda" No. 170-171 (26591-26592).

15. Paragraph 3 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).

16. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 30 September 2011 No. 132 "On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 7333, published on 14 April 2012 in the newspaper "Kazakhstanskaya Pravda" No. 102-103 (26921-26922).

17. Paragraph 4 of the Amendments to certain normative legal acts of the National Bank of the Republic of Kazakhstan on identification numbers, being Appendix 1 to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 26 March 2012 No. 108 "On introducing amendments to certain normative legal acts of the National Bank of the Republic of Kazakhstan on identification numbers" (registered in the Register of state registration of normative legal acts under No. 7625, published on 6 September 2012 in the newspaper "Kazakhstanskaya Pravda" No. 299-300 (27118-27119).

18. Paragraphs 2 and 4 of the List of normative legal acts of the Republic of Kazakhstan on opening, maintaining and closing bank accounts, making payments and money transfers, to which amendments and additions are being introduced, being Appendix 1 to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 24 August 2012 No. 266 "On introducing amendments and additions to certain normative legal acts of the National Bank of the Republic of Kazakhstan on opening, maintaining and closing bank accounts, making payments and money transfers, as well as repealing certain normative legal acts of the National Bank of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 7992, published on 5 December 2012 in the newspaper "Kazakhstanskaya Pravda" No. 421-422 (27240-27241).

19. Paragraph 2 of the List of normative legal acts of the Republic of Kazakhstan to which amendments are being introduced, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 26 April 2013 No. 110 "On introducing amendments to certain normative legal acts of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 8505, published on 6 August 2013 in the newspaper "Yuridicheskaya Gazeta" No. 115 (2490).

20. Paragraph 3 of the List of normative legal acts on making payments and money transfers, to which amendments and additions are being introduced, being an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 26 April 2013 No. 117 "On introducing amendments and additions to certain normative legal acts on making payments and money transfers" (registered in the Register of state registration of normative legal acts under No. 8513, published on 23 July 2013 in the newspaper "Yuridicheskaya Gazeta" No. 107 (2482).

21. Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 23 April 2014 No. 62 "On introducing amendments and additions to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 2 June 2000 No. 266 "On approval of the Rules for opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 9600, published on 12 August 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").

22. Paragraph 1 of the List of normative legal acts of the Republic of Kazakhstan on regulation, control and supervision of the financial market and financial organizations, to which amendments and additions are being introduced, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 16 July 2014 No. 150 "On introducing amendments and additions to certain normative legal acts of the Republic of Kazakhstan on regulation, control and supervision of the financial market and financial organizations" (registered in the Register of state registration of normative legal acts under No. 9715, published on 3 October 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").

23. Paragraph 3 of the List of normative legal acts of the Republic of Kazakhstan to which amendments and additions are being introduced, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27 August 2014 No. 168 "On introducing amendments and additions to certain normative legal acts of the Republic of Kazakhstan" (registered in the Register of state registration of normative legal acts under No. 9796, published on 12 November 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").

24. Item 1 of the List of regulatory legal acts of the National Bank of the Republic of Kazakhstan to which amendments and additions are being made, which is Appendix 1 to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22 October 2014 No. 200 "On introducing amendments and additions to certain regulatory legal acts of the National Bank of the Republic of Kazakhstan on issues of making 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 "Әділет" 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").

25. Item 3 of the List of regulatory legal acts of the Republic of Kazakhstan on issues of radically improving conditions for entrepreneurial activity in the Republic of Kazakhstan to which amendments are being made, which is an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 25 February 2015 No. 28 "On introducing amendments to certain regulatory legal acts of the Republic of Kazakhstan on issues of radically improving 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 "Әділет" 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").

26. Item 3 of the List of regulatory legal acts of the National Bank of the Republic of Kazakhstan on issues of payments and money transfers and maintaining bank accounts to which amendments are being made, which is an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 8 May 2015 No. 72 "On introducing amendments to certain regulatory legal acts of the National Bank of the Republic of Kazakhstan on issues of payments and money transfers and maintaining bank accounts" (registered in the Register of state registration of regulatory legal acts under No. 11163, published on 2 June 2015 in the information and legal system "Әділет" 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").

27. Item 1 of the List of regulatory legal acts of the National Bank of the Republic of Kazakhstan on issues of payments and money transfers and maintaining bank accounts to which amendments are being made, which is an appendix to the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 28 January 2016 No. 32 "On introducing amendments to certain regulatory legal acts of the National Bank of the Republic of Kazakhstan on 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 "Әділет" 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").

Approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 207

Rules for opening, maintaining and closing bank accounts of clients

Chapter 1. General provisions
Chapter 2. Opening of bank accounts
Paragraph 1. General provisions
Paragraph 2. Opening of current accounts under a bank account agreement Paragraph 3. Opening of savings accounts under a bank deposit agreement Paragraph 4. Opening of current accounts of a private notary under a bank account agreement for keeping money accepted by a private notary on deposit Paragraph 5. Temporary savings accounts
Chapter 3. Maintaining bank accounts
Paragraph 1. General provisions
Paragraph 2. Maintaining a notary's deposit
Chapter 4. Closing of bank accounts
Appendix 1. Unified structure of a bank account number
Appendix 2. Algorithm for calculating and verifying the check digit
Appendix 3. Document with specimen signatures and seal imprint
Appendix 4. Document with specimen signatures

Chapter 1. General provisions

Item 1 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 wording)

1. These Rules for opening, maintaining and closing bank accounts of clients (hereinafter - the Rules) have been developed in accordance with the Civil Code of the Republic of Kazakhstan (General Part) dated 27 December 1994 and the Civil Code of the Republic of Kazakhstan (Special Part) dated 1 July 1999 (hereinafter - the Civil Code), 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 opening, maintaining and closing bank accounts of clients in banks of the Republic of Kazakhstan and organizations that open and maintain bank accounts of individuals and legal entities on the basis of a license of the National Bank of the Republic of Kazakhstan (hereinafter - the National Bank), as well as in the case where a law of the Republic of Kazakhstan regulating the activity of such an organization provides for the possibility of carrying out the said operations without a license (hereinafter - banks).

2. The Rules use the concepts provided for by the Civil Code, the Tax Code and the Law on payments and payment systems, as well as the following concept: dynamic identification - the procedure for establishing the identity of a client for the purpose of unambiguously confirming his rights to sign an application for opening a bank account and to sign a bank servicing agreement by using a one-time (single) code.

3. Bank accounts are subdivided into current, savings, and correspondent accounts, and are opened and maintained both in tenge and in foreign currency, except in the case provided for by paragraph 41 of the Rules.

4. The procedure for opening, maintaining, and closing correspondent accounts is determined by the Rules for Establishing Correspondent Relations between the National Bank of the Republic of Kazakhstan and Banks, as well as Organizations Carrying Out Certain Types of Banking Operations, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 209 "On Approval of the Rules for Establishing Correspondent Relations between the National Bank of the Republic of Kazakhstan and Banks, as well as Organizations Carrying Out Certain Types of Banking Operations", registered in the Register of State Registration of Normative Legal Acts under No. 14336, and the Rules for Establishing Correspondent Relations between Banks, as well as between Banks and Organizations Carrying Out Certain Types of Banking Operations, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 210 "On Approval of the Rules for Establishing Correspondent Relations between Banks, as well as between Banks and Organizations Carrying Out Certain Types of Banking Operations", registered in the Register of State Registration of Normative Legal Acts under No. 14335.

Chapter 2. Opening of Bank Accounts

Paragraph 1. General Provisions

Amendments were made to paragraph 5 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)

5. A bank account is opened upon conclusion between the client and the bank of a bank account agreement and (or) a bank deposit agreement (hereinafter referred to as the bank servicing agreement) on the basis of the client's application in the form established by the bank (hereinafter referred to as the application), submitted to the bank in hard copy or in electronic form.

A bank account intended for the crediting of housing payments and making payments for the purposes in accordance with the Law of the Republic of Kazakhstan dated 16 April 1997 "On Housing Relations" (hereinafter referred to as the Law on Housing Relations) is opened upon conclusion between the bank, the client - an employee who is a recipient of housing payments, and the state institution whose employee is a recipient of housing payments, of an agreement on housing payments in accordance with Appendices 10 to the Rules for Calculating the Amount, Assigning, Recalculating, Making, Terminating, Suspending, and Resuming Housing Payments to Employees of Special State Bodies of the Republic of Kazakhstan, approved by Resolution of the Government of the Republic of Kazakhstan dated 28 December 2012 No. 1727 (hereinafter referred to as Rules No. 1727), and the Rules for Providing Official Housing to Military Servants, Calculating the Amount, Assigning, Recalculating, Making, Terminating, Suspending, and Resuming Housing Payments, approved by Resolution of the Government of the Republic of Kazakhstan dated 12 February 2018 No. 49 (hereinafter referred to as Rules No. 49).

A bank account intended for an educational savings deposit in accordance with the Law of the Republic of Kazakhstan dated 14 January 2013 "On the State Educational Savings System" (hereinafter referred to as the Law on the State Educational Savings System) is opened upon conclusion between the client and the bank of an agreement on an educational savings deposit in accordance with Appendix 1 to Order of the Minister of Education and Science of the Republic of Kazakhstan dated 13 February 2015 No. 63 "On Approval of the Model Agreement on an Educational Savings Deposit and the Model Agreement on Cooperation in the Sphere of the State Educational Savings System", registered in the Register of State Registration of Normative Legal Acts under No. 10610.

6. The bank servicing agreement, except for the agreement on housing payments and the agreement on an educational savings deposit, contains the following:

1) the client's identification number, except for an adhesion agreement;

2) the client's individual identification code, except for an adhesion agreement;

3) the procedure for disposing of the money held in the client's bank account;

4) the terms for the provision of services by the bank and the procedure for their payment;

5) the period for closing the bank account on the basis of the client's application to close the bank account.

7. When opening a bank account for a client to account for the client's money, the bank assigns an individual identification code, which is the number of the client's bank account.

8. When opening a bank account for a client or when the client applies to the bank after the bank account has been opened, the bank issues to the client a confirmation in free written form or in electronic form, which indicates the bank account number, except in cases where the bank account number is indicated in the bank servicing agreement.

9. The unified structure of the bank account number includes a check digit. The unified structure of the bank account number is indicated in Appendix 1 to the Rules. The algorithm for calculating and verifying the check digit is indicated in Appendix 2 to the Rules.

10. The opening of a bank account for a client is carried out by the bank after taking measures for the proper verification of clients (their representatives) and beneficial owners in accordance with Article 5 of the Law of the Republic of Kazakhstan dated 28 August 2009 "On Counteracting the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism" (hereinafter referred to as the Law on AML/CFT).

11. When opening a bank account, a client who is an individual submits an application in which information is indicated that no operations related to entrepreneurial activity, notarial activity, advocacy activity, activity for the execution of executive documents, or activity for the settlement of disputes through mediation are carried out on the bank account, if such conditions are not provided for by the bank servicing agreement between the client and the bank.

12. The application submitted by the client to the bank in electronic form contains the information necessary for the proper verification of the client (its representatives) and beneficial owners in accordance with the AML/CFT Law, including the information provided for by paragraph 21 of the Rules.

13. The application in electronic form is submitted by the client to the bank using an electronic digital signature or dynamic identification.

Paragraph 14 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 the old wording)

14. In the cases established by the laws of the Republic of Kazakhstan, as well as by agreement of the parties, the conclusion of a bank servicing agreement in electronic form using an electronic digital signature or dynamic identification is allowed with the application of security procedures provided for by the bank's internal documents, as well as taking into account the requirements for proper verification provided for by the Requirements for Internal Control Rules for the purposes of combating the legalization (laundering) of proceeds obtained by criminal means and the financing of terrorism for second-tier banks and the National Postal Operator, approved by order of the Minister of Finance of the Republic of Kazakhstan dated 26 November 2014 No. 521 and resolution of the Board of the National Bank of the Republic of Kazakhstan dated 24 December 2014 No. 235, registered in the Register of State Registration of Normative Legal Acts under No. 10212.

Paragraph 15 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)

15. When opening a bank account on the basis of a bank servicing agreement, the following documents are used for the purpose of the client's disposal of money held in the bank account:

1) a document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

2) a copy of the document (documents) certifying the identity of the person (persons) authorized to sign payment documents when carrying out operations related to the maintenance of the client's bank account (disposal of money in the bank account) in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules.

The submission of the documents provided for by subparagraphs 1) and 2) of the first part of this paragraph is allowed after the conclusion of the bank servicing agreement when the client applies to the bank for carrying out operations on the bank account, except in cases of opening a bank account for the client remotely.

When opening a bank account for a client remotely, the submission of the documents provided for by subparagraphs 1) and 2) of the first part of this paragraph is not required.

Paragraph 16 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)

16. In the event of the client opening a second and subsequent bank accounts in one bank (its branches and subdivisions), the bank does not require the client to re-submit the documents provided for opening a bank account (except for the permission of the central authorized body for budget execution - for state institutions financed from the state budget, and an identity document - for individual clients) in one of the following cases:

1) if the client opens a bank account in the same bank (branch, subdivision of the bank) in which the first bank account was opened;

2) if there is confirmation from the bank (branch, subdivision of the bank) in which the client's first bank account was opened of the existence of a complete package of documents necessary for opening a bank account in accordance with the Rules.

When opening a bank account for a client remotely, the opening for an individual - resident of the Republic of Kazakhstan through remote access systems of a second and subsequent bank accounts in one bank (its branches and subdivisions) is carried out without the client submitting the documents provided for opening a bank account.

Paragraph 17 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)

17. The opening of several bank accounts of a client - legal entity in one bank (branch, subdivision of the bank) on the basis of one document with specimen signatures is allowed if the bank has other documents necessary for opening a bank account, as well as the fulfillment of the following conditions:

1) the bank (branch, subdivision of the bank) has the necessary software for forming a file for each client in electronic form (hereinafter - electronic dossier) and information on the existence of a bank account in the bank (branch, subdivision of the bank);

2) absence of changes in the client's electronic dossier at the time of opening the bank account.

18. The procedure for confirmation by the bank (branch, subdivision of the bank) of the client's possession of a complete package of documents in another branch (subdivision) of the given bank, in which the client's first bank account was opened, including by transferring the available documents in electronic form, is determined by the bank.

Paragraph 19 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)

19. In order to comply with the requirements provided for by subparagraphs 1), 4), 6), 8), 11), 13) and 15) of the first part of article 24 of the Tax Code, the bank uses information on taxpayers submitted by the state body, within its competence, ensuring the receipt of taxes and payments to the budget, customs regulation in the Republic of Kazakhstan, powers to prevent, detect, suppress, disclose and investigate criminal and administrative offenses assigned by the legislation of the Republic of Kazakhstan to the jurisdiction of this body (hereinafter - state revenue bodies), in accordance with the third part of subparagraph 1) of the first part of article 24 of the Tax Code.

20. Excluded 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)

21. When opening a bank account for an individual client, the bank, in accordance with paragraph 5 of Article 5 of the AML/CFT Law, establishes the tax residency of the individual client on the basis of information provided by the individual client when opening the bank account.

22. Documents submitted by the client for opening a bank account in accordance with the Rules shall not be re-submitted to the bank by the client if they were previously submitted by the client to the bank within the framework of measures for proper verification of the client (its representatives) and beneficial owners provided for by the AML/CFT Law.

Paragraph 23 is set out in the wording of the resolution of the Board of the National Bank of the RK dated 30.03.19 No. 44 (put into effect from 27 July 2019) (see old wording)

23. Documents submitted by the client for opening a bank account shall be kept in the bank in a specially opened file separately for each client or in a common file with documents broken down by clients, in the original.

Exceptions are identity documents, charters, a judicial act on the recovery of alimony (money intended for the maintenance of minor and incapacitated adult children) or a notarized agreement on the payment of alimony (money intended for the maintenance of minor and incapacitated adult children) concluded in accordance with the Code of the Republic of Kazakhstan dated 26 December 2011 "On Marriage (Matrimony) and Family" (hereinafter - the Code on Marriage (Matrimony) and Family), extracts from the trade register or other documents of a similar nature (for separate subdivisions - regulations), documents confirming the fact that the client carries out activities on the basis of a model charter, documents on state registration (re-registration) of legal entity clients, registration (re-registration) of clients - branches and representative offices of legal entities and powers of attorney for the right to perform operations in the bank, which are kept in copies in the client's file (common file).

Storage in electronic form without additional storage on paper of the client's documents, including those that are not originals, is allowed if the bank (branch, subdivision of the bank) has the ability to form an electronic dossier.

Paragraph 24 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)

24. When opening a client's bank account, the bank notifies the state revenue bodies in the manner, cases and timeframes determined by subparagraph 1) of the first part of Article 24 of the Tax Code.

The second paragraph of paragraph 24 was put into effect from 1 January 2019

When opening a current account intended for accounting for the movement of settlements for value added tax (hereinafter - the VAT control account), the bank submits information to the state revenue bodies in the manner determined by paragraph 10-1 of Article 25 of the Law on Payments and Payment Systems.

Paragraph 25 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)

25. Refusal to open bank accounts shall be carried out by the bank in the cases and on the grounds provided for by subparagraph 15) of the first part of Article 24 of the Tax Code, paragraph 1 of Article 13 of the AML/CFT Law, paragraph 2 of Article 27 of the Law on Payments and Payment Systems, in cases of failure to submit documents provided for by the Rules, or failure to conclude a transaction between the client and the bank.

Paragraph 2. Opening of current accounts under a bank account agreement

Paragraph 26 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)

26. To open a current account, the client submits to the bank:

1) individuals - residents of the Republic of Kazakhstan and individuals - non-residents of the Republic of Kazakhstan:

identity document;

2) individual entrepreneurs, private notaries, private bailiffs, advocates and professional mediators:

identity document;

a document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

a copy of the license for the right to engage in notarial activity (for private notaries) or a copy of the electronic license obtained through the state database "E-licensing";

a copy of the license for the right to engage in advocacy activity (for advocates) or a copy of the electronic license obtained through the state database "E-licensing";

a copy of the license for the right to engage in activity on the execution of executive documents (for private bailiffs) or a copy of the electronic license obtained through the state database "E-licensing";

a copy of the certificate confirming completion of training under the mediator training program (for professional mediators);

3) legal entities - residents of the Republic of Kazakhstan and their branches and representative offices, legal entities - non-residents of the Republic of Kazakhstan carrying out activities in the Republic of Kazakhstan through a branch or representative office:

a document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

a copy of the document (documents) certifying the identity of the person (persons) authorized to sign payment documents when performing operations related to maintaining the client's current account (disposing of money in the current account) in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

documents confirming the powers of the head of a branch or representative office of a public or religious association elected (appointed) in the manner provided for by the charter of the public or religious association and the regulation on its branch or representative office (for branches and representative offices of public and religious associations);

a copy of the power of attorney issued by the legal entity to the head of the branch or representative office (for branches and representative offices of other organizational and legal forms of legal entities);

permission of the state body exercising management in the sphere of ensuring receipts of taxes and payments to the budget, in accordance with the Rules for the Execution of the Budget and its Cash Servicing, approved by order of the Minister of Finance of the Republic of Kazakhstan dated 4 December 2014 No. 540, registered in the Register of State Registration of Normative Legal Acts under No. 9934, (for state institutions financed from the state budget);

4) non-resident legal entities of the Republic of Kazakhstan:

a document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

the original or a notarized copy of an extract from the commercial register or another document of a similar nature containing information about the body that registered the non-resident legal entity, the registration number, date and place of registration, with a notarized translation into Kazakh or Russian, and, if necessary, legalized or apostilled;

a copy of the document (documents) certifying the identity of the person (persons) authorized to sign payment documents when carrying out operations related to the maintenance of the client's current account (disposal of money in the current account) in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

5) peasant (farm) enterprises:

a document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

6) banks being liquidated, insurance (reinsurance) organizations, their branches, voluntary accumulative pension funds:

a document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules; a copy of the document (documents) certifying the identity of the person (persons) authorized to sign payment documents when carrying out operations related to the maintenance of the client's current account (disposal of money in the current account) in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

a copy of the court decision or the general meeting of shareholders on the liquidation of the bank, insurance (reinsurance) organization;

a copy of the decision of the National Bank on the appointment of the liquidation commission;

a copy of the decision of the National Bank on revocation of the license for conducting banking and other operations or for the right to carry out insurance activity (reinsurance activity);

7) foreign diplomatic and consular missions: a document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules; a copy of the document (documents) certifying the identity of the person (persons) authorized to sign payment documents when carrying out operations related to the maintenance of the client's current account (disposal of money in the current account) in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules; a copy of the note confirming the registration of the diplomatic and consular mission.

27. When opening, at their request, a current account for individuals who are residents of the Republic of Kazakhstan for the crediting of benefits and social payments paid from the state budget and (or) the State Social Insurance Fund, the client submits to the bank:

1) an identity document;

2) an application containing the designation of the current account.

The Rules are supplemented by paragraph 27-1 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 27 July 2019)

27-1. When opening, at their request, a current account for individuals who are residents of the Republic of Kazakhstan - recipients of alimony (money intended for the maintenance of minor and disabled adult children) for the crediting of alimony (money intended for the maintenance of minor and disabled adult children), the client submits to the bank:

1) an identity document of the recipient of alimony (money intended for the maintenance of minor and disabled adult children);

2) an application containing the designation of the current account;

3) a copy of the judicial act on the recovery of alimony (money intended for the maintenance of minor and disabled adult children) or a notarized agreement on the payment of alimony (money intended for the maintenance of minor and disabled adult children), concluded in accordance with the Code on Marriage (Matrimony) and Family.

Paragraph 28 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)

28. To open a current account intended for the crediting of housing payments and making payments for purposes in accordance with the Law on Housing Relations, the client submits to the bank:

1) an identity document;

2) an application containing the designation of the current account;

3) a certificate on the recipient of current housing payments (for submission to the bank) in accordance with appendix 4 to Rules No. 1727 or with appendix 8 to Rules No. 49 and (or) a certificate on the recipient of one-time housing payments (for submission to the bank) in accordance with appendix 6 to Rules No. 1727 or appendix 9 to Rules No. 49.

4) excluded 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)

The Rules are supplemented by paragraph 28-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (put into effect from 1 January 2019)

28-1. To open a VAT control account, the client: a resident legal entity of the Republic of Kazakhstan, a non-resident carrying out activities in the Republic of Kazakhstan through a branch or representative office, shall submit to the bank the documents provided for by subparagraph 3) of paragraph 26 of the Rules; an individual entrepreneur, private notary, private bailiff, lawyer and professional mediator shall submit to the bank the documents provided for by subparagraph 2) of paragraph 26 of the Rules.

If the client has a bank account with the given bank and a VAT control account is opened for crediting value added tax amounts with the same bank (branch and (or) representative office), submission of the documents provided for by the first part of this paragraph shall not be required.

The Rules have been supplemented with paragraph 28-2 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 27 July 2019).

28-2. When an individual entrepreneur or legal entity opens a current account for crediting compensation of investment costs, the client shall submit to the bank the documents established by subparagraphs 2), 3) and 4) of paragraph 26 of the Rules, as well as a financing agreement for assignment of a monetary claim, a concession agreement and (or) a public-private partnership agreement.

Paragraph 29 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).

29. For an individual representative (hereinafter referred to as the representative) to open a current account in the name of a specified third party (an individual client), the representative shall submit to the bank:

1) the client's identity document;

2) the representative's identity document;

3) a notarized power of attorney for the right to open a current account and (or) dispose of money held in the current account, except in cases where submission of a power of attorney is not required for an authorized person in accordance with the Civil Code (parents or other legal representatives).

When submitting a notarized power of attorney for the right to open a current account and (or) dispose of money held in the current account, submission of a notarized copy of the client's identity document shall be permitted.

The Rules have been supplemented with paragraph 29-1 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22.12.17 No. 248.

29-1. To open a current account in escrow account mode, an individual or legal entity shall submit the documents provided for by the Rules for opening a current account to an individual or legal entity, as well as a notarized power of attorney for the right to open a current account provided by the principal.

Opening a current account in escrow account mode on the basis of a tripartite agreement between the bank, the person opening the escrow account, and the person in whose name the escrow account is opened shall be permitted. In this case, submission of the power of attorney provided for in the first part of this paragraph shall not be required.

The Rules have been supplemented with paragraph 29-2 in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182.

29-2. When opening a bank account for a client remotely, opening a current account for an individual resident of the Republic of Kazakhstan without submission by the client of an identity document shall be permitted.

Paragraph 3. Opening savings accounts under a bank deposit agreement

30. When opening a savings account under a bank deposit agreement, it is permitted to deposit money (the deposit) in the name of the depositor himself or in the name of a specified third party, who will subsequently be clients of the bank.

31. After concluding a bank deposit agreement, the bank, at the depositor's request, issues to him a document certifying the deposit made (deposit document), drawn up in the name of the bank's client.

The issuance of the deposit document is carried out on the terms determined by the bank.

Paragraph 32 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)

32. To open a savings account, the depositor-client submits to the bank:

1) individuals-residents of the Republic of Kazakhstan and individuals-non-residents of the Republic of Kazakhstan:

identity document;

2) individual entrepreneurs, private notaries, private bailiffs, advocates and professional mediators:

identity document;

document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

3) legal entities-residents of the Republic of Kazakhstan and their branches and representative offices, legal entities-non-residents of the Republic of Kazakhstan carrying out activities in the Republic of Kazakhstan through a branch and representative office:

document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

a copy of the document (documents) certifying the identity of the person (persons) authorized to sign payment documents when performing operations related to maintaining the client's savings account (disposing of money in the savings account) in accordance with the document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

documents confirming the authority of the head of a branch or representative office of a public or religious association, elected (appointed) in the manner provided for by the charter of the public or religious association and the regulation on its branch or representative office (for branches and representative offices of public and religious associations);

a copy of the power of attorney issued by the legal entity to the head of the branch or representative office (for branches and representative offices of other organizational-legal forms of legal entities);

4) legal entities-non-residents of the Republic of Kazakhstan:

document with specimen signatures, drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

the original or a notarized copy of an extract from the commercial register or another document of a similar nature containing information about the body that registered the non-resident legal entity, the registration number, date and place of registration, duly certified with a translation into Kazakh or Russian, and, if necessary, legalized or apostilled;

a copy of the document(s) proving the identity of the person(s) authorized to sign payment documents when performing operations related to maintaining the client's savings account (disposing of money in the savings account) in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules.

Item 33 is set out in the wording of the resolution of the Board of the National Bank of the RK dated 22.12.17 No. 248 (see the old wording); amendments were made in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see the old wording)

33. To open a savings account in the name of a specific third-party client, the depositor submits to the bank:

1) an individual:

a document proving the identity of the depositor;

a notarized power of attorney for the right to open a savings account and (or) dispose of the money held in the savings account;

for minor clients under sixteen years of age - a birth certificate;

2) a legal entity, its branches and representative offices:

a notarized power of attorney for the right to open a savings account and (or) dispose of the money held in the savings account;

The Rules are supplemented with item 33-1 in accordance with the resolution of the Board of the National Bank of the RK dated 22.12.17 No. 248

33-1. To open a savings account in escrow account mode, an individual or legal entity submits the documents provided by the Rules for opening a savings account to an individual or legal entity, as well as a notarized power of attorney for the right to open a savings account provided by the principal.

It is permitted to open a savings account in escrow account mode on the basis of a tripartite agreement between the bank, the person opening the escrow account, and the person in whose name the escrow account is opened. In this case, the submission of the power of attorney provided for in the first part of this item is not required.

34. Submission of a power of attorney is not required for a representative of a legal entity authorized to open bank accounts in accordance with the constituent documents.

Submission of a power of attorney is not required for an individual authorized to open bank accounts in accordance with the Civil Code (parents or other legal representatives).

35. When opening a savings account on the basis of an agreement on an educational savings deposit concluded in accordance with the Law on the State Educational Savings System, the client submits to the bank:

1) an identity document;

2) an application containing the designation of the current account.

The Rules are supplemented with item 35-1 in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182

35-1. When opening a bank account for a client remotely, it is permitted to open a savings account for an individual resident of the Republic of Kazakhstan without the client submitting an identity document.

Paragraph 4. Opening current accounts of a private notary under a bank account agreement for the safekeeping of money accepted by a private notary as a deposit

36. For the safekeeping of money accepted by a private notary (hereinafter - the notary) as a deposit in the cases provided for by Article 291 of the Civil Code, from the debtor for transfer to the creditor (hereinafter - the depositor), the bank opens a current account for the notary (hereinafter - the notary's deposit) on the basis of a bank account agreement.

37. The bank account agreement provided for by item 36 of the Rules contains the information provided for by item 6 of the Rules, as well as:

1) the conditions and procedure for issuing money from the notary's deposit, providing for the issuance of cash to a depositor who is an individual or the transfer of money from the notary's deposit to the bank account of a depositor who is an individual or legal entity;

2) the procedure for disposing of the money held in the notary's deposit, providing for the issuance or transfer by the bank of money from the notary's deposit to the depositor subject to compliance with the requirements of this paragraph, as well as the execution of the instruction of the notary determined by a joint decision of the territorial justice body and the notarial chamber, in cases of suspension or termination of the license of the notary whose deposit the money was placed in;

3) the procedure for payment by the debtor of remuneration to the bank in which the notary's deposit is opened when placing money in the notary's deposit.

Item 38 was amended in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see the old wording)

38. To open a notary's deposit, the notary submits to the bank:

1) an identity document;

2) a document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

3) a copy of the license for the right to engage in notarial activity or a copy of the electronic license obtained through the state database "E-licensing;

4) a certificate from the territorial notarial chamber of the corresponding notarial district confirming the notary's membership in the territorial notarial chamber.

39. The deposit of money with a notary's deposit account at a bank is carried out by the debtor by depositing cash or by non-cash means upon presentation to the bank of a document addressed to the bank containing the notary's consent to the deposit of money, signed by the notary and certified by the notary's seal (if any).

Paragraph 5. Temporary Savings Accounts

40. For a newly created legal entity, including a newly created political party, the bank opens a temporary savings account on the basis of a bank deposit agreement (conditional deposit).

41. A temporary savings account is opened in tenge.

42. Operations related to the formation of the charter capital of a newly created legal entity or the financing of the creation of a political party, including the organization of a founding congress (conference), and payment for bank services rendered under the bank deposit agreement are carried out on a temporary savings account, as provided for in the bank deposit agreement.

Paragraph 43 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)

43. To open a temporary savings account, the client submits to the bank:

an application for opening a temporary savings account;

a copy of the minutes of the founders of the legal entity being created on the appointment of an individual authorized to open and close the temporary savings account, and a document proving his identity;

a document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules;

a copy of the document (documents) proving the identity of the person (persons) authorized to sign payment documents when carrying out operations related to the maintenance of the temporary savings account in accordance with the document with specimen signatures drawn up in accordance with paragraph 1 of chapter 3 of the Rules.

44. After passing state registration, the bank opens a current account for the legal entity in the manner determined by the Rules.

45. In the event that the legal entity does not pass state registration, the bank, upon the application of the individual authorized to open and close the temporary savings account, returns the money to the founders or to the individuals at whose initiative the political party is being created, and closes the temporary savings account.

Chapter 3. Maintenance of Bank Accounts

Paragraph 1. General Provisions

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

46. Legal entities, their branches or representative offices that are not subjects of private entrepreneurship, as well as private bailiffs and private notaries, submit to the bank a document with specimen signatures in the form according to appendix 3 to the Rules, drawn up in the Kazakh and Russian languages, which contains a specimen of the seal imprint.

Legal entities, their branches or representative offices that are subjects of private entrepreneurship, individual entrepreneurs, peasant (farm) enterprises, advocates and professional mediators submit to the bank a document with specimen signatures in the form according to appendix 4 to the Rules, drawn up in the Kazakh and Russian languages.

The requirement provided for by part two of this paragraph applies to legal entities that are non-residents of the Republic of Kazakhstan and that do not have a seal by virtue of the legislation of the country of origin of such legal entities.

Paragraph 47 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 old wording)

47. In the documents with specimen signatures submitted by legal entities, their branches or representative offices, the right of first signature is held by the head and (or) other persons authorized by him. The right of second signature is granted to the chief accountant and (or) other authorized persons.

These powers are granted on the basis of the constituent documents or orders of the heads of the respective legal entities, branches or representative offices or documents provided for by chapter 5 of section 1 of the Civil Code.

For temporary administrations of banks and insurance (reinsurance) organizations, these powers are granted on the basis of a decision of the National Bank on the appointment of a temporary administration in accordance with paragraph 2 of the Rules for the appointment and powers of the temporary administration (temporary administrator) of a bank and insurance (reinsurance) organization, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 16 July 2014 No. 147, registered in the Register of State Registration of Normative Legal Acts under No. 9711.

For liquidation commissions of banks and insurance (reinsurance) organizations subject to forced liquidation, these powers are granted on the basis of a decision of the National Bank on the appointment of a liquidation commission in accordance with paragraph 16 of the Rules for the appointment and release of the liquidation commission of a bank and insurance (reinsurance) organization subject to forced liquidation and the Requirements imposed on the chairman and members of the liquidation commission of a bank and insurance (reinsurance) organization subject to forced liquidation, approved by resolution of the Board of the National Bank of the Republic of Kazakhstan dated 22 October 2014 No. 190, registered in the Register of State Registration of Normative Legal Acts under No. 9945.

48. If the staff of a legal entity, branch or representative office does not include persons who may be granted the right of second signature, the document is accepted by the bank with a specimen of only the first signature, and a corresponding note is made in this document.

49, 50. Excluded in accordance with the resolution of the Board of the National Bank of the Republic of Kazakhstan dated 27.08.18 No. 182 (see old wording)

51. It is not permitted to accept specimens of seal imprints intended for special purposes ("human resources department", "for packages" and others).

Paragraph 52 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).

52. In the column "Bank marks" of the document with specimen signatures, the authorized person of the bank, except for the National Bank, shall indicate the data of the identity documents of persons entitled to the first or first and second signature and other information determined by the bank.

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).

53. The authenticity of the signatures of persons entered in the document with specimen signatures shall be confirmed by the authorized person of the bank in the personal presence of the persons whose specimen signatures are contained in the document with specimen signatures, except for the cases provided for by part two of this paragraph.

Legal entities, their branches and representative offices, individual entrepreneurs, private notaries, private bailiffs, advocates, professional mediators, peasant (farm) enterprises are allowed to submit to the bank a document with specimen signatures certified by a notary.

When opening bank accounts with the National Bank, a notarized document with specimen signatures shall be submitted.

54. In the case of temporary granting by the client of the right of signature to another person (persons), a temporary document with the corresponding specimen signatures shall be drawn up in the manner determined by this paragraph.

55. In the case of renaming of a legal entity, loss or wear of the seal, the client shall be allowed the necessary time to produce a new seal. During the period of production of the seal, the bank and the client shall establish the procedure for processing payment documents without the client's seal in accordance with the bank service agreement.

Paragraph 56 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).

56. The required number of copies of documents with specimen signatures submitted by the client shall be determined by the bank.

One of the copies shall be permanently held by the bank's operations officer, the other - in the bank's client file. The remaining copies shall be stored in the manner established by the bank. The provision of this part shall not apply to cases where the client's file in the bank is formed in electronic form and an electronic dossier is maintained.

Paragraph 57 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).

57. When replacing at least one specimen signature or specimen seal impression, a new document with specimen signatures shall be submitted to the bank, drawn up in the manner determined in this paragraph.

Paragraph 58 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).

58. It is allowed to draw up a document with specimen signatures consisting of documents drawn up for each authorized person separately or for several authorized persons, provided that the client submits to the bank a written application to accept such documents as a single document with specimen signatures.

59. The issuance of statements on bank accounts shall be carried out by the bank in accordance with the bank service agreement. The bank is allowed to provide the service of transmitting (delivering) to the client a statement on the bank account electronically or by courier, if this is provided for by the bank service agreement.

Paragraph 60 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 (put into effect from 1 January 2019) (see the old wording).

60. When the bank maintains bank accounts of clients transferred to it by another bank in the cases provided for by Articles 60-1, 61-2, 61-11 and 61-12 of the Law on Banks and Banking Activity, the bank shall assign new individual identification codes to the said bank accounts and notify the tax authorities in the manner determined by subparagraph 1) of part one of Article 24 of the Tax Code.

Paragraph 61 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).

61. Suspension of expenditure operations on bank accounts or arrest of money held in a bank account shall be carried out in accordance with Article 740 of the Civil Code, Article 125 of the Code of the Republic of Kazakhstan dated 26 December 2017 "On Customs Regulation in the Republic of Kazakhstan", Article 161 of the Criminal Procedure Code of the Republic of Kazakhstan dated 4 July 2014, Article 156 of the Civil Procedure Code of the Republic of Kazakhstan dated 31 October 2015, Article 118 of the Tax Code, Article 51 of the Law on Banks and Banking Activity, Article 13 of the Law on AML/CFT, Article 62 of the Law of the Republic of Kazakhstan dated 2 April 2010 "On Enforcement Proceedings and the Status of Bailiffs", paragraph 11 of Article 27 of the Law on Payments and Payment Systems on the basis of decisions and (or) orders of authorized state bodies or officials on suspension of expenditure operations on the client's bank account or acts on imposing arrest on money held in the client's bank account.

62. Upon receipt by the bank of a decision and (or) order of an authorized state body or official on suspension of expenditure operations on the client's bank account, the bank shall verify the compliance of the details of the bank and its client with the details specified in the decision and (or) order of the authorized state body or official on suspension of expenditure operations on the client's bank account, after which it shall suspend expenditure operations on the client's bank account.

Paragraph 63 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).

63. The bank shall return the decision and (or) order of the authorized state body or official on suspension of expenditure operations on the client's bank account to the relevant authorized state body or official without execution on one of the following grounds:

Subparagraph 1 was put into effect from 1 January 2019 (see the version in effect until 1 January 2019).

1) in the event of a discrepancy between the details of the bank and its client and the details specified in the decision and (or) order of the authorized state body or official on the suspension of expenditure operations on the client's bank account, in accordance with the Rules for Making Non-Cash Payments and (or) Money Transfers in the Territory of the Republic of Kazakhstan, approved by Resolution of the Board of the National Bank of the Republic of Kazakhstan dated 31 August 2016 No. 208, registered in the Register of State Registration of Normative Legal Acts under No. 14419 (hereinafter - the Rules for Making Non-Cash Payments), except in cases of their discrepancy with the details specified in previously submitted decisions and (or) orders of the authorized state body or official on the suspension of expenditure operations on the client's bank account in the cases provided for by Articles 60-1, 61-2, 61-11 and 61-12 of the Law on Banks and Banking Activity;

2) if the order of the state revenue authority on the suspension of expenditure transactions on the client's bank account is drawn up and submitted in a form that does not comply with the Order of the Minister of Finance of the Republic of Kazakhstan dated 8 February 2018 No. 145 "On Approval of Forms of Orders", registered in the Register of State Registration of Normative Legal Acts under No. 16533;

3) in the event that the decision and (or) order of an authorized state body or official on the suspension of expenditure transactions on the client's bank account is presented against a bank account under an educational savings deposit agreement concluded in accordance with the Law of the Republic of Kazakhstan dated 14 January 2013 "On the State Educational Savings System", a bank account intended for the crediting of benefits and 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, assets of the social medical insurance fund, money held in bank accounts in housing construction savings banks in the form of housing construction savings accumulated through the use of housing payments, as well as money of banks,

insurance (reinsurance) organizations, voluntary accumulative pension funds that have been deprived of a license by an authorized state body and (or) are in the process of compulsory liquidation.

Section 2. Maintenance of a Notary's Deposit

64. The withdrawal of money from a notary's deposit is carried out in the manner prescribed by the Rules and (or) the bank account agreement:

1) to an individual – in cash or by transferring money to the depositor's bank account;

2) to a legal entity – by transferring money from the notary's deposit to the depositor's bank account.

65. The withdrawal of cash from a notary's deposit is carried out by the bank to the depositor on the basis of an application from the notary containing the surname, first name, patronymic (if any), date of birth of the depositor-individual, the amount of money payable to the depositor, and the individual identification code of the notary's deposit.

66. The transfer of money from a notary's deposit is carried out by the bank to the depositor on the basis of an application from the notary containing the surname, first name, patronymic (if any) of the depositor-individual or the name of the depositor-legal entity and its instructions, submitted to the bank in the manner determined by the Rules for Making Non-Cash Payments.

67. For the withdrawal or transfer of money from a notary's deposit, the depositor submits to the bank an application from the notary and the following documents:

1) a copy of the document confirming the deposit of money by the debtor into the notary's deposit;

2) upon withdrawal of cash from the notary's deposit – an application from the depositor for the withdrawal of money, the authenticity of the signature on which is notarially certified by the notary who opened this deposit, indicating the details of the identity document of the depositor-individual and the name of the document confirming the depositor's right to receive money from the notary's deposit, and an identity document of the depositor-individual;

3) upon transfer of money from the notary's deposit – a copy of an identity document for the depositor-individual, or a document confirming the fact of state registration (re-registration) for the depositor-legal entity.

68. The return of money to the person who deposited it on the terms of a deposit in the name of the notary is carried out by the bank on the basis of a court decision that has entered into force or an application from the notary containing the surname, first name, patronymic (if any), date of birth of the debtor-individual or the name of the debtor-legal entity, with the attachment of:

1) a copy of the receipt for the deposit of money by the debtor into the notary's deposit;

2) an application of consent from the person in whose favor the money was deposited (the depositor) to return the money to the person who deposited it (the debtor), the authenticity of the signature on which is notarially certified by the notary;

3) an application from the debtor for the return of money to him, the authenticity of the signature on which is notarially certified by the notary.

69. In cases of suspension or termination of the validity of a notary's license, the money placed in the notary's deposit is transferred, on the basis of a joint decision of the territorial body of justice and the notarial chamber, to the deposit of another notary determined in the joint decision of the territorial body of justice and the notarial chamber, and the notary's deposit is closed by the bank.

70. Documents establishing the debtor's indebtedness to creditors, as well as documents confirming the deposit of money by the debtor into the notary's deposit, are transferred to the notary determined in the joint decision of the territorial body of justice and the notarial chamber.

71. The notary determined by the joint decision of the territorial body of justice and the notarial chamber submits a payment order to the bank for the transfer of money and attaches the joint decision of the territorial body of justice and the notarial chamber.

Chapter 4. Closure of Bank Accounts

Paragraph 72 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 (effective from 27 July 2019) (see old version)

72. The closure of a bank account is carried out:

1) on the basis of an application from the client at any time, unless otherwise provided by the bank services agreement and (or) the Law on Banks and Banking Activity, the laws of the Republic of Kazakhstan dated 7 July 2006 "On Concessions", dated 7 March 2014 "On Rehabilitation and Bankruptcy", dated 31 October 2015 "On Public-Private Partnership";

2) independently by the bank in cases of termination of the validity of or refusal to perform the bank account agreement or the bank deposit agreement in the manner prescribed by Article 29 of the Law on Payments and Payment Systems.

73. Upon closure of a bank account, the money remaining on the client's bank account is paid out to the client or, at his instruction, transferred to another bank account in accordance with the bank services agreement.

Paragraph 74 is set out in the wording of the resolution of the Board of the National Bank of the RK dated 22.12.17 No. 248 (see old version); amendments were made in accordance with the resolution of the Board of the National Bank of the RK dated 27.08.18 No. 182 (see old version)

74. Upon closure of a client's bank account, the bank shall cancel the individual identification code.

In the event of non-conclusion of a bank account agreement in the case provided for in part three of paragraph 1 of Article 27 of the Law on Payments and Payment Systems, the bank shall cancel the individual identification code within the time limits established by the bank's internal rules.

75. The basis for closure of the bank account shall be indicated in the client's file.

76. Closure of a bank account is not permitted in the presence of:

1) unfulfilled claims against the bank account, including decisions and (or) orders of authorized state bodies or officials on suspension of expenditure transactions on the client's bank account, as well as acts on attachment of money held on the client's bank account, with the exception of cases of closure of the bank account in connection with:

liquidation or reorganization of the client legal entity;

absence of money on the bank account of an individual or legal entity for more than one year;

liquidation of the bank in which the client's bank account is opened;

reorganization of the bank in which the client's bank account is opened, in the event of revocation of the license for opening and maintaining bank accounts of individuals and legal entities;

voluntary reorganization of the bank in the form of conversion into an Islamic bank in the manner provided for by the Law on Banks and Banking Activity;

2) unfulfilled claims under a foreign exchange contract providing for export (import), submitted by the client to the bank, in accordance with the foreign exchange legislation of the Republic of Kazakhstan, with the exception of cases of closure of the bank account:

in connection with liquidation or reorganization of the client legal entity;

in accordance with the Law on AML/CFT and (or) international treaties ratified by the Republic of Kazakhstan.

Paragraph 77 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)

77. Upon closure of a client's bank account, the bank shall notify the state revenue bodies in the manner, in the cases and within the time limits determined by subparagraph 6) of part one of Article 24 of the Tax Code.

The second paragraph of paragraph 77 was introduced into effect from 1 January 2019.

Upon closure of the VAT control account, the bank shall submit information to the state revenue bodies in the manner determined by paragraph 10-1 of Article 25 of the Law on Payments and Payment Systems.

78. Closure of a temporary savings account shall be carried out by the bank in the manner established by this Chapter.

79. Closure of a bank account of a state institution financed from the state budget, opened in a bank on the basis of a permit of the central authorized body for budget execution, shall be carried out upon revocation of the permit or upon expiration of its validity period.

Appendix 1
to the Rules for opening, maintaining and closing bank accounts of clients

Unified structure of the bank account number

1. The unified structure of a bank client's bank account number has a fixed length of twenty positions KZССБББХХХХХХХХХХХХХ, where:

1) the first and second positions - the code of the Republic of Kazakhstan. The international code KZ is used;

2) the third and fourth positions - the check digit, intended for verification, ensuring the reliability of the bank client's bank account number and the correctness of its indication in payment and other documents of the bank;

3) the fifth, sixth and seventh positions - the bank code. The bank code is assigned by the National Bank of the Republic of Kazakhstan;

4) positions from the eighth to the twentieth - the internal bank account number of the bank client, which is unique in the information (operational and other) system of a single bank and ensures unambiguous identification of the bank client.

The positions of the internal bank account number of the bank client are used at the bank's discretion. Free characters are denoted by zeros and are placed in the unused positions to the left of the number. Digital or alphanumeric characters of the Latin alphabet are used in the numbering of bank accounts, with the exception of the letters "І", "Q", "O". In the presence of alphabetic characters in the internal bank account number of the bank client, the calculation of the check digit is carried out using the table for converting alphabetic characters into digits provided in this appendix.

2. For the purpose of simplifying the visual perception of the bank client's bank account number, it is permitted to indicate in payment and other documents on paper media the bank client's bank account number consisting of four-digit characters separated by a space in the following form:

KZСС БББХ ХХХХ ХХХХ ХХХХ.

3. In payment and other documents executed in electronic form, the bank client's bank account number is indicated as a continuous sequence of characters.

Table for converting alphabetic characters into digits

A=10	G=16	N=23	V=31
B=11	H=17	P=25	W=32
C=12	J=19	R=27	X=33
D=13	K=20	S=28	Y=34
E=14	L=21	T=29	Z=35
F=15	M=22	U=30

Appendix 2
to the Rules for opening, maintaining and closing bank accounts of clients

Algorithm for calculating and verifying the check digit

1. The international standard (Modulus 97-10, ISO-7064) is used for calculating the check digit, which involves dividing the number by 97; the resulting remainder is subtracted from 98. If the result is a single-digit number, one preceding zero is added.

Example No. 1. Calculate the check digit of the bank client's bank account KZ СС 123 1234564567891. Step one: the first four characters are moved to the end of the bank client's bank account number, the country code designation is converted based on the table for converting alphabetic characters into digits in accordance with Appendix 1 to the Rules for opening, maintaining and closing bank accounts of clients, the second two characters are denoted by zeros. Result: 123 1234564567891 2035 00. Step two: the number obtained above is divided by 97 and the remainder of the division is 43. Step three: 98-43=55. The check digit is equal to 55. The bank client's bank account number KZ 55 123 1234564567891.

Example No. 2. Calculate the check digit of the bank client's bank account KZ СС 123 1234565678902. Step one: the first four characters are moved to the end of the bank client's bank account number, the country code designation is converted based on the table for converting alphabetic characters into digits in accordance with Appendix 1 to the Rules for opening, maintaining and closing bank accounts of clients, the second two characters are denoted by zeros. Result: 123 1234565678902 2035 00. Step two: the number obtained above is divided by 97 and the remainder of the division is equal to 90. Step three: 98 - 90 = 8. The check digit is equal to 8, to which a preceding "0" is added. The bank client's bank account number KZ 08 123 1234565678902.

2. The international standard (Modulus 97-10, ISO-7064), which involves finding the remainder of the division of the number by 97, is used for verifying the correctness of the check digit.

Applying the table for converting alphabetic characters into digits in accordance with Appendix 1 to the Rules for opening, maintaining and closing bank accounts of clients, the remainder of the division of the bank account number by the number 97 is found. If the bank account number is indicated correctly, the remainder equals 1 (one).

Example: Verify the check digit in the bank client's bank account number. KZ55 1231 2345 6456 7891 Step one: the first four characters are moved to the end of the bank client's bank account number, the country code designation is converted based on the table for converting alphabetic characters into digits in accordance with Appendix 1 to the Rules for opening, maintaining and closing bank accounts of clients: 1231 2345 6456 7891 2035 55.

Step two: the number obtained above is divided by 97. Result - 1231234564567891203555/97 = 12693139840906094882,010309278351.

The integer part without rounding is extracted from the resulting number: 12693139840906094882.

Step three: The number obtained at step two is multiplied by 97 and the result is 12693139840906094882 * 97 = 1231234564567891203554.

Step four: The number obtained at step one is subtracted from the number obtained at step three. If the result equals 1 (one), the check digit has been calculated correctly. In this example, the result is 1231234564567891203555 - 1231234564567891203554 = 1.

Control digit 55 is correct.

Appendix 3 is set forth 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)

Appendix 3
to the Rules for opening, maintaining and closing bank accounts of clients Form

Document with samples of signatures

Bank client	_______________________________________________ ___________ Name _______________________________________________ ___________ Name	Codes Codes	Bank's notations Bank's notations
Location of the bank client Location of the bank client	_______________________________________________ ___________
Telephone Telephone	_______________________________________________ ___________
Bank (bank's branch, department) Bank (branch, department of the bank)	_______________________________________________ ___________ Name _______________________________________________ ___________ Name
Location of the bank (bank's branch, department) Location of the bank (branch, department of the bank)	_______________________________________________ ___________ _______________________________________________ ___________
Telephone Telephone	_______________________________________________ ___________
Type of bank account Type of bank account	_______________________________________________ ___________
Client's identification codes Identificatio	_______________________________________________ ___________

n code of the client
Signatures and the impression of the seal in accordance with their samples specified in this document are mandatory when carrying out all operations on the bank account requiring the client's consent

Position Position	Full name (if available) Surname, first name, patronymic (if available)	Signature sample Signature sample	Seal impression sample Seal impression sample
First signature First signature


Second signature Second signature

Reverse side
Reverse side

Full name (if available) of the person confirming the authenticity of the samples Surname, first name, patronymic (if available) of the person confirming the authenticity of the samples	Date of certification of the samples Date of certification of the samples	Signature of the person confirming the authenticity of the samples, seal Signature of the person confirming the authenticity of the samples, seal

Appendix 4 is set forth in the wording of the resolution of the Board of the National Bank of the RK dated 30.03.19 No. 44 (see old wording)

Appendix 4
to the Rules for opening, maintaining and closing bank accounts of clients Form

Document with samples of signatures

Bank client	________________________ Name ________________________ Name	Codes Codes
Location of the bank client Location of the bank client	________________________
Telephone Telephone	________________________
Bank (bank's branch, department) Bank (branch, department of the bank)	_________________________ Name _________________________ Name
Location of the bank (bank's branch, department) Location of the bank (branch, department of the bank)	_________________________ _________________________
Telephone Telephone	_________________________
Type of bank account Type of bank account	_________________________
Client's identification code	____________________________________________ ______
Signatures in accordance with their samples, indicated in this
document, are mandatory when carrying out all operations on the bank account requiring the client's consent
My position Position	Full name (if available) Surname, first name, patronymic (if available)	Specimen signature Образец подписи
First signature Первая подпись

Second signature Вторая подпись