A Shared budget is a convenient way to manage finances together with family or friends. The primary owner can invite participants to track expenses and savings collectively. All participants must be bank clients and registered in the Jusan mobile app.
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• The savings account is for savings and deposit rewards.
• The card account is used for convenient transfers and transactions.
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Kazakhstan residents aged 18 and older who are Jusan Bank clients and registered in the Jusan mobile app.
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You can be the owner of your "Total Budget" product and at the same time participate in one more budget by invitation.
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The owner is an individual with a savings account and a current account set up for managing a Shared budget.
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A participant is a Kazakhstan resident aged 18 or older who is a Jusan client and has access to shared funds and an additional card for the Shared budget.
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The "Total budget" product is opened in tenge.
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For savings account - 1 000 tenge, for payment card - no minimum amount is required.
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The maximum amount cannot exceed 25% of the bank’s equity capital.
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The deposit is valid for 12 months, while the payment card is active for 5 years.
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Deposit replenishment is possible in cash and non-cash way.
Replenishment of payment card: not applicable, except for transfer from deposit or return of funds on payment or transfer.
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For the deposit: interest is paid monthly to the savings account. The rate is 14,0% (AEIR is up to 14,9%).
For the payment card: no interest is provided.
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You can find out the amount of accrued interest in Jusan mobile application or in the branch of the Bank.
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From the deposit: funds can be withdrawn without restrictions, except for the required minimum balance. Interest is retained.
From the payment card: transactions are only possible within the available deposit balance. Allowed operations include:
– transfers to a phone number or a Jusan client’s card
– transfers to personal accounts within the bank
– payments for goods and services via the Jusan mobile app or QR code
Cash withdrawals and transfers to other banks are not available within the Shared budget.
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Funds in the deposit and current account within the Shared budget are protected by the deposit guarantee for individuals, up to 10 000 000 ₸.
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the deposit: it is automatically renewed for the same term at the interest rate applicable at the time of renewal.
For the payment card: it may be automatically reissued.
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Information about the deposit maturity date is specified in the Deposit Application Form, which you can view in the ‘My Bank’ (‘Info’) section of the Jusan mobile application.
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You can receive a deposit statement via Jusan mobile application or at the branch of the Bank.
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