From 25.01.2024, the "Jusan Savings+" product with the right of replenishment will be canceled, in this regard, the opening of new deposits will not be available. For existing contracts, the terms and conditions of the product remain unchanged.
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The terms and conditions of the product remain unchanged for existing contracts.
Interest rates for extended deposits of Jusan Savings+:
- 12.0% (up to 12.7% of AER) in KZT;
- 1.0% (up to 1.0% of AER) in USD.
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The maximum deposit amount cannot exceed 25% of the Bank's equity capital.
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Jusan saving+ is an object of guaranteeing deposits of individuals in the amount of up to 20,000,000 tenge, in foreign currency: up to 5,000,000 tenge.
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Replenishment is provided taking into account maximum deposit amount. It is possible to top up a deposit both in cash and non-cash way.
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The deposit is subject to a monthly payment to a savings account (capitalization), with income tax withheld, if such withholding is provided for by the tax legislation of the Republic of Kazakhstan.
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Partial withdrawal is not provided for this category of deposit.
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If the deposit is not withdrawn by the client at the end of the deposit term, automatic prolongation of the deposit is provided. Unlimited number of times for the same period, at interest rates: in tenge - 12.0% (up to 12.7% of AEIT), in US dollars - 1.0% (up to 1.0% of AEIT).
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There is no partial withdrawal on Jusan savings+ deposit.
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In case of early termination of the savings deposit, the interest accrued/paid to the Depositor shall be recalculated for the actual time of placement of the savings deposit at the "On Demand" rate effective at the Bank at the time of termination of the savings deposit. The amount of overcharged/paid interest shall be deducted from the amount of the savings deposit, the balance of the savings deposit shall be returned to the Depositor. The savings deposit shall be returned upon expiry of 30 (thirty) calendar days from the date of submission by the Depositor of the application for early return (closing) of the savings deposit.
- Within 30 (thirty) calendar days from the moment of submission of an application for early return (closure) of the savings deposit:
accrual of interest is not suspended. - if the Depositor does not withdraw the application for early return (closing) of the savings deposit, on the 31 (thirty-first) calendar day the savings account is closed, the Deposit amount with the recalculated interest at the "On Demand" rate is credited to the current account with the use of the payment card.
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Early termination is provided in accordance with the restrictions established in the Civil code of the Republic of Kazakhstan:
• You can receive money not earlier than 30(thirty) calendar days after notifying the Bank about early termination of your deposit by submitting an application at the Bank branch.
• In this case during 30(thirty) calendar days after submitting an application about the early termination of the deposit:
- accrual of renumeneration does not stop;
- Depositor can apply to the cancellation of application about the early termination of the deposit at the Bank branch;
- If Depositor does not cancel the application about the early termination of the saving deposit , on the 31 (thirty first) calendar day savings accout will be closed. The accrued renumenaration from the date of opening/the date of last prolongation will be recalculated accordint to the "On demand" rate effective at the Bank on the date of deposit termination, deposit amount with recalculated renumeneration will be transferred to the current account using a payment card.
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It is necessary to contact the Bank branch on the deposit maturity date. If you close the deposit on the maturity date you will receive deposit amount + the accrued interest amount for the deposit period. If you apply on the day following the deposit maturity date, conditions of early termination will be applied.
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