How does the bcc.kz app work and what special features can you do in it?

Translation apps in one place, investments in another, government services in a third: this is the usual situation for most users. The bcc.kz app takes a different approach, combining daily banking operations, investments, insurance, government services, a marketplace, and key lifestyle services into a single application. This article outlines the features that demonstrate just how versatile the app can be.

Get a card in a minute

One of the most convenient features in bcc.kz is the ability to get a card in literally just a couple of minutes.

Card issuance here is maximally simplified. There are nine different types of cards available — from classic debit and credit cards to specialized solutions: children's cards, travel cards, and premium products.

For example, the #bccpay card stands out for salary clients — it offers additional cashback of up to 10% on everyday expenses such as utilities, internet and mobile services, TV, public transport, and even kindergartens.

There are also more "flexible" solutions for daily tasks: #180 — a credit card with a grace period of up to six months; #KartaKarta — for daily spending with cashback of up to 20%; and a standard digital card for fast online payments.

#GoldCard is suitable for those who frequently visit China: it works with Chinese yuan, allows cash withdrawals, and provides increased cashback on purchases in the country.

The entire card issuance process is available within the app: you just need to provide your phone number, Individual Identification Number (IIN), complete video identification, and upload an ID document. After verification, the digital card appears in the app almost immediately.

The app interface is designed so you don't get lost in sections: everything you need — cards, accounts, and bank products — is right on the home page. You can hide your balance so no one sees your finances, and customize the appearance to your liking: choose a light or dark theme, or increase the font size for more comfortable use.

Connect your card to wallets and set up security

After getting a card, you can immediately connect it to digital wallets. Apple Pay, Samsung Pay, Google Pay, and Garmin Pay are supported, and the card can be added to the Wallet app with one click directly from the bcc.kz app.

Special attention is given to security here. In the app, you can not only change the card's appearance by setting thematic skins but also enable dynamic CVV — the three-digit code on the back of the card, which updates every time. This adds an extra layer of protection: even if card details are compromised, the current CVV code is only available to the cardholder in the app.

Transfers within Kazakhstan and abroad

In the "Transfers" section of bcc.kz, you can send money within Kazakhstan and to any point in the world via SWIFT, Western Union, Korona Pay, Visa+, Union Pay, WeChat Pay, and transfers to Uzbekistan.

Request money and split bills

Situations like "let's chip in" or "let's split the bill" are now handled directly in the app. Through the "Request Money" function, you can quickly collect the required amount from several people or automatically split a shared bill among participants. The function works between Central Credit Bank clients.

Set up automatic transfers

If transfers happen regularly, you can simply automate them. In bcc.kz, you just need to set the amount, recipient, and schedule once — and the money will be sent automatically. For example, you can set up a monthly transfer to your parents or any other recurring payments so you don't have to remember every time.

Pay for over 7,000 services

The payments section offers access to more than 7,000 services — from familiar utilities and mobile services to more niche categories, including charitable organizations and religious payments. For regular expenses, you can set up automatic payments so you don't miss monthly deductions, and frequently used payments are displayed at the top of the list for quick access.

Exchange currency and track rates

Current currency exchange rates and gold prices are available directly on the app's home page.

For more favorable exchanges, there is an FX exchange — it operates at stock exchange rates and includes 29 currency pairs, making transactions flexible and convenient.

Additionally, the TOM/SPOT format is available: you can submit a request to buy or sell currency at a pre-set rate. This allows you to avoid depending on current market fluctuations and conduct exchanges under comfortable conditions.

For large amounts, a personalized rate is available — users can submit a request and receive more favorable exchange conditions.

Invest through the app

Investing in bcc.kz is built directly into the app and does not require connecting separate services. Users gain access to various asset classes — from the Kazakh market to international exchanges — in a single interface. Here, you can buy and sell securities, manage your portfolio, and track your investments without switching between platforms.

Key features:
— free account opening and maintenance
— fast deposit and withdrawal of funds
— through the app, you can invest in both local and international markets. Foreign exchanges NYSE and NASDAQ are available, allowing you to buy stocks and ETFs of the world's largest companies directly.
For stock trades on KASE, there is a 0% commission until June 30, 2026, including transactions via KASE Global
— for beginner investors, there are IPMF "Rational Balance" in tenge and IPMF "Currency" in dollars, which are the largest funds in Kazakhstan by number of investors and by assets under management. The minimum entry threshold is from 7 tenge.

Also available:
— commission-free securities storage
— no tax on income from securities transactions
— investment in bonds in tenge and dollars with participation in primary offerings
— online purchase of gold and silver starting from 1 gram, as well as physical gold bars starting from 5 grams at bank branches.

Get government services online

The app offers:
— standard government certificates and digital services
— a digital notary for online document certification
— developer verification before buying real estate
— submission of customs declarations before travel
— purchase of VIP license plates for vehicles
— registration with medical institutions
— and other government and service functions.

All of this without visiting a Citizen's Service Center (CSC) — completely online.

Manage your loan

For clients who have taken out a loan, bcc.kz offers full post-loan servicing, allowing you to manage loan terms directly in the app without visiting a branch.

You can arrange full or partial early repayment, request a payment deferral if necessary, and change the loan term — extending or shortening it depending on your financial situation.

Flexible schedule settings are also available: you can change the monthly payment date within a single month and throughout the entire loan term.

Buy goods and even gold

bcc.kz combines not only financial but also trading services, allowing you to meet everyday needs in one app.

bcc mall is an online shopping center within the app, featuring only original brands such as Dyson, Pandora, Adidas, Nike, Xiaomi, ON, DKNY, and others. There are often discounts of up to 70%, along with cashback of up to 10% on purchases and interest-free installment plans of 0-0-4.

You can also order delivery from the USA and Europe of brands like On, Adidas, New Balance, ASICS, and Under Armour. This is convenient if you can't find the desired model in Kazakhstan. Here, payment is secure, you have confidence in the transaction unlike with private buyers, and you don't have to struggle with customs clearance and order tracking — everything will be delivered straight to your home.

Separately, the app allows the purchase of gold and other precious metals. In the "Precious Metals" section, you can buy gold in bars or through unallocated metal accounts. All transactions are conducted in real-time at current quotes. When choosing physical gold, bars can be picked up at bank branches or stored in a depository.

bcc plus — personal benefits and privileges

bcc plus is an enhanced program for clients who want to get more out of their daily use of banking services. It offers additional cashback, privileges, and special conditions within the Bank's partner network.

bcc plus users receive:
— increased cashback and bonuses on specific expense categories
— priority service and faster resolution of requests
— exclusive offers from bank partners
— preferential rates and improved terms on Bank products.

bcc plus can be connected for free for 15 days to try all the service features. And upon meeting the program's conditions, you can use it permanently without a subscription fee.

Control finances through analytics

A personal financial tool in the app that helps you see and analyze all your money in one place.

— all bank accounts: cards, currency, and metal accounts in one overview
— convenient income and expense analysis: tracking spending, deposits, cashback, and other inflows
— reports and analytics: a clear budget structure with filtering by periods and categories.

The app is available for download via this link.

License of the Agency for Regulation and Development of the Financial Market No. 1.2.25/195/34 dated 03.02.2020.