In short: Suits residents who need a credit card or instalments. It is not available to non-residents and Russian citizens: card issue to foreigners is suspended, and integration into ForteBank is under way.
Terms for non-residents
- Non-residents
- No
- Remote account opening
- No
- Visa / Mastercard
- Check with the bank
- Russian-language support
- Yes
- Founded
- 2005 (according to the finratings.kz catalogue)
- Owner
- ForteBank (Bulat Utemuratov), 100%
- Size
- About 1.48 trillion KZT (finratings.kz catalogue, 16 October 2026)
- Deal
- In June 2025 ForteBank agreed to buy 100% of the shares
- License
- Reissued by an ARDFM order of 30 December 2025; the name now shows the status of a ForteBank subsidiary
- Integration
- About a year; the bank stays independent at the first stage
- Cards for foreigners
- Issue was suspended in January 2025
Pros
- Owned by ForteBank, one of the largest private banks in the country
- A range of credit and instalment cards, for example Ozen with a 6-month instalment plan
- Website in Russian and payment through Kaspi QR in the app
Cons and limits
- Cards were not issued to non-residents: issue was suspended in January 2025
- Integration into ForteBank is under way, so rebranding and fee changes are possible
- The bank focuses on retail lending to residents
## About the bank
Home Credit Bank in Kazakhstan is a retail bank founded in 2005 according to the finratings.kz catalogue. Its assets are about 1.48 trillion KZT (catalogue data as of 16 October 2026). The bank's website is home.kz, and the former address homecredit.kz now redirects to it.
In June 2025 ForteBank agreed to buy 100% of the bank's shares. The regulator approved the deal by early November 2025. The licence was reissued by an ARDFM order of 30 December 2025: the bank's name now shows that it is a subsidiary of ForteBank, whose owner is Bulat Utemuratov.
## Account for non-residents
In January 2025 the bank suspended card issue to foreigners. As of February 2025, according to the call centre, issue had not resumed, and there are no newer publications about a return to this practice. For a non-resident and a Russian citizen the bank is therefore not an option at present, and there is no data on serving Russians. If you come across an offer from the bank in advertising, call and ask whether the branch issues cards to foreigners. If the answer is no, move on to banks that accept non-residents, such as Freedom Bank Kazakhstan, Kaspi Bank or Bank CenterCredit.
## Cards and payments
The bank's range names the cards Ozen, Arna, Alem, Tau and Tan. According to the website, Ozen is a credit card with a 6-month instalment plan. Payment systems are not stated on the website. Payment through Kaspi QR is available in the bank's app. The bank does not issue Mir cards, there is no information on the Faster Payments System (SBP), and Russian Visa and Mastercard cards do not work in Kazakhstan.
## Fees and limits
There are no fees for non-residents, because products for foreigners were not issued. For residents, the amounts are set by the bank's tariff guide. Things to know: the bank stays independent at the first stage and integration into ForteBank will take about a year; a change of brand and fees is possible during integration; the final name after integration has not been announced.
## Timeline of the deal
| Date | Event |
|---|---|
| January 2025 | The bank suspended card issue to foreigners |
| June 2025 | ForteBank agreed to buy 100% of the shares |
| Early November 2025 | The regulator approved the deal |
| 30 December 2025 | The ARDFM reissued the licence; the name shows subsidiary status |
## Who it suits
Home Credit Bank suits Kazakh residents who need a credit card or instalments in retail. Foreigners and Russian citizens should choose other banks in the ranking.
Frequently asked questions
What happened to Home Credit Bank in Kazakhstan?
In June 2025 ForteBank agreed to buy 100% of the bank's shares, and the regulator approved the deal by early November 2025. The licence was reissued by an ARDFM order of 30 December 2025, and the bank's name now shows that it is a subsidiary of ForteBank.
Will the terms change for customers?
According to DKNews, obligations to customers and the terms remain the same. ForteBank plans to keep the bank independent at the first stage, and integration will take about a year. A change of brand and fees is possible.
Does the bank issue cards to foreigners?
In January 2025 the bank suspended card issue to foreigners, and as of February 2025, according to the call centre, issue had not resumed. Check the current status by phone.
What cards does Home Credit Bank have?
The range names Ozen, Arna, Alem, Tau and Tan; Ozen is a credit card with a 6-month instalment plan. These products were not issued to non-residents.