IBAN
Kazakhstan uses a 20-character IBAN format, one of the shortest in the world. The National Bank of Kazakhstan oversees the payment system. Kazakhstan was among the first Central Asian countries to adopt the IBAN standard.
At a glance
Country
Kazakhstan
Identifier
IBAN
Format
20 characters
Used for
Domestic transfers
Format breakdown
KZ
Country Code
1–2
ISO country code for Kazakhstan
86
Check Digits
3–4
IBAN checksum validation
125
Bank Code
5–7
Institution identifier (3 digits)
KZT5004100100
Account Number
8–20
Customer account with currency indicator
How it works
The Kazakh IBAN begins with "KZ" followed by 2 check digits and a 16-digit BBAN consisting of a 3-digit bank code and a 13-digit account number. The KIPS system handles interbank clearing and settlement.
Where to find yours
In your online banking app (Kaspi.kz, Halyk homebank, etc.), on bank statements, or by visiting your bank branch.
Payment systems in Kazakhstan
| System | Speed | Description |
|---|---|---|
| KIPS | Real-time | Kazakhstan Interbank Payment System for high-value KZT settlements |
| IIS (Retail) | Same day | Interbank clearing for retail and low-value domestic payments |
| Kaspi Transfers | Instant | Kaspi Bank's instant P2P transfer network, widely used nationwide |
Major banks in Kazakhstan
Good to know
Kaspi Bank's super-app dominates Kazakhstan — most P2P transfers use Kaspi QR or Kaspi Gold cards.
Kazakhstan's IBAN is only 20 characters, making it one of the shortest IBAN formats globally.
Bank code 125 = Kaspi, 320 = Halyk, 190 = ForteBank — verify with the National Bank directory.
Related tools
Other countries
Frequently asked questions
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