# Halyk Bank (Halyk Super-App / Homebank)

> Source: https://docs.barcoder.ai/docs/wallets/halyk-bank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Halyk Bank — official](https://halykbank.com/)

## Overview

**Halyk Bank (Halyk Super-App / Homebank)** is **Kazakhstan's largest commercial bank** + **Almex JSC majority controlling** + **10.9M active retail customers + 371,000+ active corporate and SME customers** + **6.3M Homebank MAU +29.9% YoY** + **1.81M Homebank DAU +20.7% YoY** + **100% online customer onboarding without branch visit** <sup>[1][1], [2][2], [Kazakhstan report](https://docs.barcoder.ai/docs/payments/KZ)</sup>. **2025 baseline**: Halyk Bank 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY (Q2 2023) + 1.81M Homebank DAU +20.7% YoY; **Halyk Super-App all-pervasive Kazakhstani daily-use super-app** distinctive Kazakhstani super-app banking + ecosystem dominance; **100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services)** distinctive Kazakhstani mobile-first banking.

**Distinctive Halyk Bank positioning**:
- **Kazakhstan's largest commercial bank** (Halyk Bank of Kazakhstan; KASE: HSBK; LSE: HSBK; Almex JSC majority controlling)
- **10.9M active retail customers + 371,000+ active corporate and SME customers** distinctive Kazakhstani retail banking scale
- **6.3M Homebank MAU +29.9% YoY (Q2 2023)** distinctive Kazakhstani mobile banking penetration
- **1.81M Homebank DAU +20.7% YoY (Q2 2023)** distinctive Kazakhstani mobile banking daily active user growth
- **100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services)** distinctive Kazakhstani mobile-first banking
- **Halyk Super-App all-pervasive Kazakhstani daily-use super-app** distinctive Kazakhstani super-app banking + ecosystem dominance
- **1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage)** distinctive Kazakhstani banking heritage (oldest Kazakhstani bank)

## History

**1923 — Halyk Bank founded as a savings bank (Sberbank-Kazakhstan lineage)** distinctive Kazakhstani banking heritage (oldest Kazakhstani bank).

**1993 — Halyk Bank renamed Halyk Bank of Kazakhstan** post-Kazakhstani banking modernization.

**Dec 13 2006 — Halyk Bank LSE GDR + KASE IPO under ticker HSBK** distinctive Kazakhstani commercial bank London + Kazakhstan dual-listing.

**Jul 2018 — Halyk Bank + Kazkommertsbank merger** post-Kazakhstani commercial banking consolidation (Halyk Bank acquired Kazkommertsbank).

**2014 — Homebank mobile banking app launch** distinctive Kazakhstani mobile-first banking.

**2025 — Halyk Bank 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 1.81M Homebank DAU +20.7% YoY + 100% online customer onboarding without branch visit** <sup>[1][1], [2][2], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **Halyk Bank of Kazakhstan** (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling).

**Major shareholders**: **Almex JSC (Timur Kulibayev + Dinara Kulibayeva controlling vehicle; daughter of former Kazakh President Nursultan Nazarbayev) majority controlling + Kazakhstani retail + institutional + foreign investors**.

**Regulators**: **NBK (National Bank of the Republic of Kazakhstan) + ARDFM (Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market)**.

## Technical integration

Halyk Super-App / Homebank mobile banking app (iOS + Android; 10.9M active retail customers + 6.3M Homebank MAU +29.9% YoY; 1.81M Homebank DAU +20.7% YoY) + halykbank.com online + Halyk Bank branch network Kazakhstan + Kyrgyzstan + Uzbekistan + Georgia + Russia + Tajikistan + Halyk Bank Visa + Mastercard + UnionPay cards; Kazakhstani Instant Payment; **100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services)** distinctive Kazakhstani mobile-first banking + **Halyk Super-App all-pervasive Kazakhstani daily-use super-app** distinctive Kazakhstani super-app banking + ecosystem dominance.

## Users & growth

**2025**: Halyk Bank 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY (Q2 2023) + 1.81M Homebank DAU +20.7% YoY.

## Use cases

Kazakhstani + Central Asian + Caucasian + Russian retail + private + corporate + SME + super-app banking via Halyk Super-App / Homebank mobile + halykbank.com online + Halyk Bank branch network Kazakhstan + Kyrgyzstan + Uzbekistan + Georgia + Russia + Tajikistan + Visa/Mastercard/UnionPay cards; Kazakhstani Instant Payment; **100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services)** distinctive Kazakhstani mobile-first banking.

## Implementations & partners

**Operator**: Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling); Almex JSC (Timur Kulibayev + Dinara Kulibayeva controlling vehicle; daughter of former Kazakh President Nursultan Nazarbayev) majority controlling + Kazakhstani retail + institutional + foreign investors.

**Major Kazakhstani + Central Asian banking + super-app competitors**: [Kaspi.kz](https://docs.barcoder.ai/docs/wallets/kaspi-kz) (Kaspi.kz; KASE + NASDAQ: KSPI; Kazakhstan's largest super-app + bank; 14M+ active users; ~13.5M MAU; ~1B+ transactions Q2 2025; #1 super-app in Kazakhstan) + [ForteBank Kazakhstan](https://docs.barcoder.ai/docs/wallets/forte-bank-kz) (ForteBank Kazakhstan; KASE: BCC_p1; Kazakhstani commercial bank) + [Bank CenterCredit](https://docs.barcoder.ai/docs/wallets/bank-centercredit) (Bank CenterCredit; KASE: CCBN; Kazakhstani commercial bank) + Sber Kazakhstan (Sber Kazakhstan; ex-Sberbank Kazakhstan subsidiary; sold to BCC March 2022) + Bereke Bank (Bereke Bank Kazakhstan; ex-Sberbank Kazakhstan subsidiary post-Sber divestment + Kazakhstani Baiterek Holding ownership) + [Jusan Bank Kazakhstan](https://docs.barcoder.ai/docs/wallets/jusan-bank) (Jusan Bank Kazakhstan; ex-Tsesnabank acquisition by First Heartland Securities).

**Regulators**: NBK + ARDFM.

## Fun facts

- **Kazakhstan's largest commercial bank** (Halyk Bank of Kazakhstan; KASE: HSBK; LSE: HSBK; Almex JSC majority controlling).
- **10.9M active retail customers + 371,000+ active corporate and SME customers** distinctive Kazakhstani retail banking scale.
- **6.3M Homebank MAU +29.9% YoY (Q2 2023)** distinctive Kazakhstani mobile banking penetration.
- **1.81M Homebank DAU +20.7% YoY (Q2 2023)** distinctive Kazakhstani mobile banking daily active user growth.
- **100% online customer onboarding without branch visit (open a card, make online installment plan, take an online loan of up to KZT 7,000,000, pay for services)** distinctive Kazakhstani mobile-first banking.
- **Halyk Super-App all-pervasive Kazakhstani daily-use super-app** distinctive Kazakhstani super-app banking + ecosystem dominance.
- **1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage)** distinctive Kazakhstani banking heritage (oldest Kazakhstani bank).
- **Jul 2018 Halyk Bank + Kazkommertsbank merger** post-Kazakhstani commercial banking consolidation.

## Comparison

| Feature | Halyk Bank | [Kaspi.kz](https://docs.barcoder.ai/docs/wallets/kaspi-kz) (Kaspi.kz rival; Kazakhstan's largest super-app + bank; 14M+ active users) | [ForteBank Kazakhstan](https://docs.barcoder.ai/docs/wallets/forte-bank-kz) (ForteBank Kazakhstan rival) | Bereke Bank (Bereke Bank Kazakhstan rival; ex-Sberbank Kazakhstan subsidiary) | [Jusan Bank Kazakhstan](https://docs.barcoder.ai/docs/wallets/jusan-bank) (Jusan Bank Kazakhstan rival; ex-Tsesnabank acquisition) |
|---|---|---|---|---|---|
| Operator | **Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling)** | Kaspi.kz (KASE + NASDAQ: KSPI; Kazakhstan's largest super-app + bank) | ForteBank Kazakhstan (KASE: BCC_p1; Kazakhstani commercial bank) | Bereke Bank Kazakhstan (ex-Sberbank Kazakhstan subsidiary post-Sber divestment + Kazakhstani Baiterek Holding ownership) | Jusan Bank Kazakhstan (ex-Tsesnabank acquisition by First Heartland Securities) |
| Type | **Kazakhstan's largest commercial bank + 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 1.81M Homebank DAU +20.7% YoY + 100% online customer onboarding without branch visit + Halyk Super-App all-pervasive Kazakhstani daily-use super-app** | Kazakhstan's largest super-app + bank + 14M+ active users + ~13.5M MAU + ~1B+ transactions Q2 2025 + #1 super-app in Kazakhstan | Kazakhstani commercial bank | Bereke Bank Kazakhstan ex-Sberbank Kazakhstan subsidiary + post-Sber divestment + Kazakhstani Baiterek Holding ownership | Jusan Bank Kazakhstan ex-Tsesnabank acquisition by First Heartland Securities |
| Country | KZ + KG + UZ + GE + RU + TJ | KZ | KZ | KZ | KZ |
| Distinctive | **1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage) (oldest Kazakhstani bank); 1993 Halyk Bank renamed Halyk Bank of Kazakhstan; Dec 13 2006 Halyk Bank LSE GDR + KASE IPO under ticker HSBK; Jul 2018 Halyk Bank + Kazkommertsbank merger; 2014 Homebank mobile banking app launch; 2025 10.9M active retail customers + 6.3M Homebank MAU +29.9% YoY** | 1991 Kaspi.kz founding (formerly Kaspi Bank); Sep 19 2018 LSE IPO under ticker KSPI; Jan 19 2024 NASDAQ IPO under ticker KSPI | 1990 ForteBank founding (post-merger of Alliance Bank + Temirbank + ForteBank) | Mar 2022 Sberbank Kazakhstan divestment + Kazakhstani Baiterek Holding ownership + Bereke Bank rebranding | 2019 Jusan Bank founding post-First Heartland Securities acquisition of Tsesnabank |

## Status

**Active, Kazakhstan's largest commercial bank + 10.9M active retail customers + 371,000+ active corporate and SME customers + 6.3M Homebank MAU +29.9% YoY + 100% online customer onboarding without branch visit + Halyk Super-App all-pervasive Kazakhstani daily-use super-app** <sup>[1][1], [2][2], [3][3]</sup>:
- **Halyk Bank of Kazakhstan (KASE: HSBK; LSE: HSBK; Kazakhstan's largest commercial bank; Almex JSC majority controlling)** since 1923 Halyk Bank founding as a savings bank (Sberbank-Kazakhstan lineage) + 1993 Halyk Bank renamed Halyk Bank of Kazakhstan + Dec 13 2006 Halyk Bank LSE GDR + KASE IPO under ticker HSBK + Jul 2018 Halyk Bank + Kazkommertsbank merger + 2014 Homebank mobile banking app launch.
- **Halyk Bank 10.9M active retail customers + 6.3M Homebank MAU +29.9% YoY**.
- **Halyk Super-App all-pervasive Kazakhstani daily-use super-app**.
- **NBK + ARDFM regulated**.

## Sources

[1]: https://halykbank.com/ "Kazakhstan's largest bank — Halyk Bank"
[2]: https://bankingfrontiers.com/the-all-pervasive-halyk-super-app/ "The all-pervasive Halyk Super-App — Banking Frontiers"
[3]: https://e.huawei.com/my/case-studies/solutions/storage/halyk-bank-upgrades-digital-service "Kazakhstan's Halyk Bank Upgrades the Digital Service Experience with Huawei OceanStor Dorado All-Flash Storage — Huawei Enterprise"
[kz-cro]: https://docs.barcoder.ai/docs/payments/KZ

- [1] [Kazakhstan's largest bank — Halyk Bank][1]
- [2] [The all-pervasive Halyk Super-App — Banking Frontiers][2]
- [3] [Kazakhstan's Halyk Bank Upgrades the Digital Service Experience with Huawei OceanStor Dorado All-Flash Storage — Huawei Enterprise][3]
- <sup>[Kazakhstan report](https://docs.barcoder.ai/docs/payments/KZ)</sup> In-corpus: `reports/countries/KZ-kazakhstan.md`

## Source

Biography extracted from [halyk-bank.md](https://docs.barcoder.ai/source/wallets/halyk-bank). See `matrix.md` for standards-support matrix if present.