# Halyk Homebank

> Source: https://docs.barcoder.ai/docs/wallets/halyk-homebank
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

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

## Overview

**Halyk Homebank** is **Halyk Bank's flagship digital banking + wallet app** — **Halyk being Kazakhstan's largest bank by far** with **more than 1/3 of the Kazakh banking market** <sup>[1][1], [2][2], [Kazakhstan report](https://docs.barcoder.ai/docs/payments/KZ)</sup>. **Q1 2026 — Halyk Bank reported 8.5 million Monthly Active Users (MAU)** for Homebank app.

**Growth trajectory**: Q2 2023 baseline showed **MAU 6.3M (+29.9% YoY) + DAU 1.81M (+20.7% YoY)** — strong adoption-driven growth in Kazakh digital banking.

**Halyk Homebank position**: Direct **incumbent rival to [Kaspi.kz](https://docs.barcoder.ai/docs/wallets/kaspi-kz)** super-app — traditional-bank-led digital banking vs Kaspi's super-app model. Kazakhstan has **dual-anchor digital-banking market**: Kaspi (14M, super-app) + Halyk (8.5M Homebank MAU, traditional bank).

## History

**Halyk Bank historic origin**: **People's Bank of Kazakhstan** — Kazakhstan's largest bank with multi-decade heritage.

**Homebank app launches** <sup>[1][1]</sup>: Halyk's digital banking platform for payments + transfers + financial services.

**2018-2024 — Mass Kazakh adoption** <sup>[2][2]</sup>: Multi-million MAU growth via Homebank.

**Q2 2023 — MAU 6.3M (+29.9% YoY) + DAU 1.81M (+20.7% YoY)** <sup>[2][2]</sup>.

**Q1 2026 — MAU 8.5 million** <sup>[2][2]</sup>.

## Ownership & operator

**Operating entity**: **Halyk Bank (People's Bank of Kazakhstan)**.

**Holding company**: **Halyk Bank Group** — Kazakhstan's largest banking group.

**Regulator**: **NBK (National Bank of Kazakhstan)** — full Kazakh banking license.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Halyk Homebank mobile app (iOS + Android) + Halyk card + Halyk POS + merchant QR |
| **Identifiers** | Phone + IIN (Kazakh national ID) + card number |
| **Sub-products** | Halyk banking + Halyk Pay + Halyk Investments + Halyk Mobile + Halyk Insurance |
| **Banking license** | Full Kazakh banking license (NBK) |
| **Infrastructure** | Huawei OceanStor Dorado All-Flash Storage (post-upgrade) |

## Users & growth

**Q1 2026** <sup>[2][2]</sup>:
- **MAU**: 8.5 million

**Q2 2023 baseline** <sup>[2][2]</sup>:
- **MAU**: 6.3 million (+29.9% YoY)
- **DAU**: 1.81 million (+20.7% YoY)

**Halyk Bank market share**: **>1/3 of Kazakh banking market** — Kazakhstan's largest bank.

## Use cases

KZ retail banking; bill payments + utilities; P2P transfers; merchant QR payments; Halyk Pay card spending; Halyk Investments brokerage; Halyk Mobile (MVNO) integration; SME banking; insurance via Halyk Insurance.

## Implementations & partners

**Operator**: **Halyk Bank** (People's Bank of Kazakhstan).

**Infrastructure partner**: **Huawei** (OceanStor Dorado All-Flash Storage).

**Major Kazakh competitors**: **[Kaspi.kz](https://docs.barcoder.ai/docs/wallets/kaspi-kz)** (super-app rival; 14M users / ~70% KZ population; NASDAQ: KSPI), **Forte Bank** + **Jusan Bank** + Halyk's other traditional Kazakh competitors.

**Major comparable digital-banking-by-traditional-bank globally**: **[T-Bank (formerly Tinkoff Bank)](https://docs.barcoder.ai/docs/wallets/t-bank)** (Russia incumbent rival), **DBS Singapore digibank** (Singapore traditional-bank digital arm), **[MAE (Maybank E-Wallet)](https://docs.barcoder.ai/docs/wallets/mae-maybank)** (Malaysia largest-bank digital arm).

**Regulator**: **NBK**.

## Fun facts

- **Q1 2026 MAU 8.5 million** — Kazakhstan's #2 mobile-banking app (after Kaspi 14M).
- **Halyk Bank** = Kazakhstan's largest bank with >1/3 banking-market share.
- **Strong growth**: MAU 6.3M (Q2 2023) → 8.5M (Q1 2026) = +35% in 2.5 years.
- **People's Bank of Kazakhstan** = "Halyk Bank" (halyk = people in Kazakh).
- **Huawei OceanStor Dorado All-Flash Storage** infrastructure upgrade.
- **Distinctive Kazakh dual-anchor market**: Kaspi super-app (14M) + Halyk traditional bank (8.5M Homebank MAU).

## Comparison

| Feature | Halyk Homebank | [Kaspi.kz](https://docs.barcoder.ai/docs/wallets/kaspi-kz) (KZ super-app rival) | [T-Bank (formerly Tinkoff Bank)](https://docs.barcoder.ai/docs/wallets/t-bank) (Russia incumbent rival) | DBS digibank (SG analogue) | [MAE (Maybank E-Wallet)](https://docs.barcoder.ai/docs/wallets/mae-maybank) (MY analogous) |
|---|---|---|---|---|---|
| Operator | **Halyk Bank (KZ largest traditional bank; >1/3 banking market)** | Joint Stock Company Kaspi.kz (NASDAQ: KSPI) | T-Bank (Russian super-app) | DBS Group | Maybank (MY largest bank) |
| Type | **KZ traditional-bank-led digital banking** | KZ super-app + bank (Payments + Marketplace + Fintech + Travel + Telco MVNO + Gold) | Russian super-app + bank | SG traditional-bank digital arm | MY traditional-bank digital arm |
| Country | Kazakhstan | KZ (~70% pop) + TR + UA | Russia | Singapore (regional Asia) | Malaysia |
| Users | **8.5M MAU (Q1 2026)** | 14M + 75 monthly tx/user | Russia super-app scale | SG + regional | 10.7M MAU + 48% MY mobile-banking share |
| Distinctive | **People's Bank of Kazakhstan; Halyk = >1/3 market share** | 75 monthly tx/user; super-app integration; Hepsiburada Turkish acq Jan 2025 | Russia super-app via Tinkoff heritage | SG → India + Indonesia digital arm | RM4T+ digital tx (2x MY GDP) since 2020 |

## Status

**Active, Kazakhstan's largest traditional-bank-led digital banking** <sup>[1][1], [2][2]</sup>:
- **Halyk Bank Homebank** — Kazakhstan's #2 mobile-banking app.
- **Q1 2026 MAU 8.5 million**.
- **Halyk Bank** = Kazakhstan's largest bank (>1/3 banking-market share).
- **NBK-regulated full Kazakh bank**.

## Sources

[1]: https://halykbank.kz/index.php/en/homebank "Halyk Homebank — official"
[2]: https://halykbank.com/ "Halyk Bank — official"
[3]: https://e.huawei.com/en/case-studies/solutions/storage/halyk-bank-upgrades-digital-service "Halyk Bank Huawei OceanStor — Huawei"
[4]: https://play.google.com/store/apps/details?id=kz.kkb.homebank "Halyk Kazakhstan — Google Play"
[kz-cro]: https://docs.barcoder.ai/docs/payments/KZ

- [1] [Halyk Homebank — official][1]
- [2] [Halyk Bank — official][2]
- [3] [Halyk Bank Huawei OceanStor — Huawei][3]
- [4] [Halyk Kazakhstan — Google Play][4]
- <sup>[Kazakhstan report](https://docs.barcoder.ai/docs/payments/KZ)</sup> In-corpus: `reports/countries/KZ-kazakhstan.md`

## Source

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