General Section. About the Open API and Open Banking Project

In December 2022, at the initiative of the National Bank of the Republic of Kazakhstan, together with the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market and with the participation of the Agency for Protection and Development of Competition, the Concept for the Development of Open API and Open Banking for 2023–2025 was developed and approved.
Its goal is to implement standardized and secure financial data exchange strictly with the client’s consent.

Key Objectives of the Concept

• development of the open banking architecture;
• creation of standards and technical requirements;
• development of infrastructure (Open API platform, testing environment, consent service);
• ensuring security and a unified framework for all participants.

In 2023, JSC “NPC” developed the Information Exchange System based on open APIs (hereinafter – the Open Banking System) and launched the pilot scenario “Exchange of client current account information” with the participation of second-tier banks: Bank RBK, Altyn Bank, Home Credit Bank, Bank CenterCredit, and Otbasy Bank.

The results of the pilot confirmed the technological feasibility and effectiveness of the chosen approach for implementing open banking in Kazakhstan and outlined further steps for developing the concept. This highlights the long-term orientation of the initiative toward transforming digital financial services in the country.

Open Banking System Scenarios

1. Banking Information Exchange

APIs are available for accessing data on bank accounts, balances, and transactions. These APIs are open for connection by second-tier banks.

2. Exchange of Open Data

This scenario provides for the publication and access to open APIs on banking products, ATMs, branches, and insurance company data. API implementation is planned for 2026.

Guide for Connecting to the Open Banking System

Жадынама

Service Agreement for the Open API Information Exchange System

1. Правила функционирования Open Banking каз 2 Договор Open Banking каз-рус

Rules for the operation of the Open API Information Exchange System

1. Правила функционирования Open Banking каз

Tariffs

JSC “National Payment Corporation”

1. Provision of services within the Open API Information Exchange System (the Open Banking System):

• The tariff for services provided in the Open Banking System is a one-time fee of 100 tenge, excluding VAT, for connection.

Tariffs enter into force 30 (thirty) calendar days after the publication of the updated tariffs on the NPC website (http://npck.kz) and/or after a notice is sent to users via email

Hereby informs you that, in connection with the entry into force of the new Tax Code of the Republic of Kazakhstan as of 01 January 2026, all services provided by JSC “NPCK” are subject to VAT at a rate of 16%.

Tariffs for services provided in 2026 by National payment corporation of the National Bank of the Republic of Kazakhstan approved with Commission Regulation of National Bank of Republic of Kazakhstan №38 dated December 25, 2025.