Official source: Adilet / https://adilet.zan.kz/rus/docs/V2400035612 The relevance of the editorial office has been verified: 2026-06-21.
Note FROM! For the procedure for enforcement, see paragraph 4.
The Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market DECIDES:
Approve the List of regulatory legal acts of the Republic of Kazakhstan on the issues of regulating the activities of financial organizations, to which changes are made, in accordance with appendix to this resolution (hereinafter referred to as the List).
The Department of Methodology and Prudential Regulation of Financial Organizations, in accordance with the procedure established by the legislation of the Republic of Kazakhstan, shall ensure:
jointly with the Legal Department, state registration of this resolution with the Ministry of Justice of the Republic of Kazakhstan;
placement of this resolution on the official Internet resource of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market after its official publication;
within ten working days after the state registration of this resolution, submission to the Legal Department of information on the implementation of the event provided for in subparagraph 2) of this paragraph.
Control over the implementation of this resolution shall be assigned to the supervising Deputy Chairman of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market.
This resolution comes into effect upon the expiration of ten calendar days after the day of its first official publication, with the exception of paragraphs twelve, thirteen, fourteen and fifteen of paragraph 1 of the List, which come into force on April 1, 2025.
Chairman of the Agency of the Republic of Kazakhstan on regulation and development of the financial market
M. Abylkasymova
"AGREED" Agency of the Republic of Kazakhstan on financial monitoring
Appendix to the resolution Agency Board Republic of Kazakhstan on regulation and development financial market dated December 31, 2024 No. 96
List of regulatory legal acts of the Republic of Kazakhstan on issues of regulating the activities of financial organizations, which are being amended
Lost force by the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated April 28, 2026 No. 86 (shall be enforced upon the expiration of ten calendar days after the day of its first official publication).
Introduce into the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated March 22, 2020 No. 18 “On approval of the Requirements for the Internal Control Rules in order to combat the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of weapons proliferation mass destruction for second-tier banks, branches of non-resident banks of the Republic of Kazakhstan and the National Postal Operator" (registered in the Register of State Registration of Normative Legal Acts under No. 20160) the following changes:
in the Requirements to the Internal Control Rules for the purpose of combating the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction for second-tier banks, branches of non-resident banks of the Republic of Kazakhstan and the National Postal Operator, approved by the said resolution:
clause 15 shall be stated as follows:
"15. Types of customers whose status and/or activities increase the risk of ML/TF include, but are not limited to:
public officials, their spouses and close relatives;
foreign financial organizations;
legal entities and individual entrepreneurs whose activities are related to the intensive circulation of cash, including:
legal entities operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange transactions with cash foreign currency;
legal entities whose exclusive activity is the collection of banknotes, coins and valuables on the basis of a license from the National Bank of the Republic of Kazakhstan (with the exception of subsidiaries of banks that comply with AML/CFT requirements established by the bank);
organizations engaged in microfinance activities;
agents (attorneys) of service providers (except financial ones) who accept cash from consumers, including through electronic terminals;
organizers of the gambling business, as well as persons providing services or receiving income from the activities of online casinos outside the Republic of Kazakhstan;
persons providing tourism services, as well as services related to the intensive circulation of cash;
lawyers and other independent specialists in legal matters in cases where they, on behalf of or on behalf of the client, participate in transactions with money and (or) property in relation to the activities specified in subparagraph 7) paragraph 1 of Article 3 of the AML/CFT Law, professional participants in the securities market (with the exception of subsidiaries of banks of the second level that comply with AML/CFT requirements established by second-tier banks);
insurance (reinsurance) organizations, insurance brokers operating in the “life insurance” industry (with the exception of bank subsidiaries that comply with AML/CFT requirements established by the bank);
persons providing financial leasing services (with the exception of subsidiaries of second-tier banks that comply with AML/CFT requirements established by second-tier banks);
persons operating as insurance agents;
persons engaged in intermediary activities in the purchase and sale of real estate;
persons whose activities are related to the production and (or) trade in weapons and explosives;
persons whose activities are related to the extraction and (or) processing, as well as the purchase and sale of precious metals, precious stones or products made from them;
non-profit organizations in the organizational and legal form of foundations, religious associations;
persons located (registered) in foreign countries specified in paragraph 17 of the Requirements, as well as branches and representative offices of such persons located in the Republic of Kazakhstan;
a client in relation to whom there are grounds to doubt the reliability of the data received;
the client takes actions aimed at evading the client due diligence procedures provided for by the Law on AML/CFT;
persons engaged in the issuance and circulation of secured digital assets;
persons engaged in the issuance and circulation of unsecured digital assets on the territory of the Astana International Financial Center;
clients who are holders of more than five payment cards issued by one bank, with the exception of additional payment cards issued in the name of children, as well as credit cards on which transactions are carried out exclusively for the issuance and repayment of bank loans, or who are holders of payment cards issued by three banks, more than three payment cards by each bank per client (if the bank has such information), with the exception of additional payment cards issued in the name of children, as well as credit cards cards used to carry out transactions exclusively for the issuance and repayment of bank loans;
clients who have made three or more payments in favor of the gambling business organizer for a total amount of more than 300,000 (three hundred thousand) tenge over the past 6 (six) months.”;
clause 22 shall be stated as follows:
"22. The identification program for the client, his representative and beneficial owner includes, but is not limited to:
the procedure for accepting clients for service, including the procedure, grounds and timing for the bank to make a decision to refuse to establish a business relationship and (or) carry out a transaction, as well as to terminate a business relationship;
the procedure for identifying the client (his representative) and the beneficial owner, including the specifics of the procedures for applying simplified and enhanced client due diligence measures;
features of identification when establishing correspondent relations with foreign financial organizations;
a description of measures aimed at identifying by the bank among clients (their representatives) and beneficial owners who are being serviced or accepted for service, public officials, their spouses and close relatives;
the procedure for applying targeted financial sanctions, checking the client (his representative) and the beneficial owner for presence in the lists of organizations and persons associated with the financing of terrorism and extremism, financing the proliferation of weapons of mass destruction, compiled in accordance with Article 12 (hereinafter referred to as the List) and 12-1 (hereinafter referred to as the List of FROM) of the AML/CFT Law;
the procedure for terminating targeted financial sanctions when excluding information about the client (his representative) and the beneficial owner from the List and the List of FROM;
identification features when establishing business relationships remotely (without the personal presence of the client or his representative);
features of the exchange of information obtained in the process of identifying the client (his representative) and the beneficial owner, as well as storing and ensuring the confidentiality of such information, within the framework of fulfilling the AML/CFT requirements established by the banking conglomerate, which includes the bank (if any);
specifics of identifying clients by obtaining information from other financial organizations, including identification of individuals and legal entities in favor of or on behalf of whom the broker (dealer) makes transactions on his bank account;
the procedure for verifying the accuracy of information about the client (his representative) and the beneficial owner;
requirements for the form, content and procedure for maintaining the client’s dossier, updating the information contained in the dossier, indicating the frequency of updating the information;
the procedure for assessing the client’s risk level, the basis for assessing such risk;
the procedure for obtaining and submitting, at the request of the bank, information about the beneficial owners of clients in the form and procedure determined by the authorized body for financial monitoring in accordance with parts three and four clause 5 of Article 5 of the AML/CFT Law;
the procedure for checking the client (his representative) and the beneficial owner for belonging to foreign organizers of the gambling business, whose activities are recognized as illegal in the territory of the Republic of Kazakhstan on the basis of a judicial act (hereinafter referred to as foreign organizers of the gambling business), refusal to make payments and (or) transfers of money in favor of foreign organizers of the gambling business, as well as termination of business relations with the client who is a foreign organizer of the gambling business.
Documents submitted by the client (his representative) in order to confirm information about the client (his representative) and the beneficial owner are checked for their validity.
In relation to the client's representative, the authority of such person to act on behalf and (or) in the interests of the client is additionally verified.
In relation to a client with whom the bank has established a business relationship through a client representative acting on behalf of the client on the basis of an issued power of attorney, the bank additionally carries out biometric identification of the client before conducting outgoing or incoming transactions.
It is not permitted to remotely establish business relationships with clients who are residents of countries with a high risk of ML/TF based on the factor of illegal production, trafficking and (or) transit of drugs, with the exception of the countries of the Eurasian Economic Union, to extend such business relationships, as well as to issue and re-issue (without the personal presence of the client) more than one payment card to these persons.
The validity period of payment cards issued to clients who are non-residents of the Republic of Kazakhstan does not exceed 12 (twelve) calendar months, with the exception of payment cards issued to business entities, diplomatic workers and investors.
The bank checks documents of clients who are non-residents of the Republic of Kazakhstan - holders of payment cards issued by this bank, and (or) residents of countries with a high risk of ML/TF based on the factor of illegal production, trafficking and (or) transit of drugs, with the exception of the countries of the Eurasian Economic Union, confirming the validity of their stay in the Republic of Kazakhstan (employment contract, training contract, residence permit of a foreigner in the Republic of Kazakhstan and other documents);
If the bank, in accordance with the Law on AML/CFT on the basis of an agreement, has authorized another person to apply measures against bank clients provided for in subparagraphs 1), 2), 2-1), 2-2) and 4) clause 3 Article 5 of the AML/CFT Law, the bank develops rules for interaction with such persons, which include:
the procedure for concluding agreements by the bank with persons entrusted with carrying out identification, as well as a list of bank officials authorized to enter into such agreements;
the procedure for identifying the client (his representative) and the beneficial owner in accordance with agreements between the bank and the persons entrusted with the identification;
the procedure and timing for transferring to the bank information obtained during identification by persons entrusted with carrying out identification;
the procedure for the bank to monitor compliance by persons entrusted with identification with identification requirements, including the procedure, timing and completeness of transferring received information to the bank, as well as measures taken by the bank to eliminate identified violations;
the grounds, procedure and deadlines for the bank to make a decision on unilateral refusal to execute an agreement with persons entrusted with identification, in the event of their failure to comply with identification requirements, including the procedures, deadlines and completeness of transferring received information to the bank;
a list of bank officials authorized to make a decision on unilateral refusal to fulfill an agreement with persons entrusted with carrying out identification;
provisions on the liability of persons to whom the bank has entrusted identification for their failure to comply with identification requirements, including the procedure, timing and completeness of transferring received information to the bank;
the procedure for the bank’s interaction with persons entrusted with identification on issues of providing them with methodological assistance in order to fulfill identification requirements.
The bank is allowed to include additional conditions in the rules of interaction.
A bank that has entrusted, on the basis of an agreement, to a foreign financial organization the application of due diligence measures for clients (their representatives) and beneficial owners provided for in subparagraphs 1), 2), 2-1), 2-2) and 4) paragraph 3 of Article 5 of the AML/CFT Law, takes into account possible ML/TF risks.";
clause 27 shall be stated as follows:
"27. The frequency of updating and (or) the need to obtain additional information about the client (his representative) and the beneficial owner are established taking into account the risk level of the client (client group) and (or) the degree of exposure of the bank services (products) used by the client to ML/TF risks.
Information about the client (his representative) and the beneficial owner with a high level of risk is updated at least once a year.
Updating information about a client (his representative) who is the holder of more than five payment cards issued by one bank, with the exception of additional payment cards issued in the name of children, as well as credit cards for which transactions are carried out exclusively for the issuance and repayment of bank loans, or who are holders of payment cards issued by three banks, more than three payment cards by each bank per client (if the bank has such information), with the exception of additional payment cards issued in the name of children, and also credit cards, on which transactions are carried out exclusively for the issuance and repayment of bank loans, are carried out at least once a quarter.
Information about a client (his representative), in respect of whom there is reason to believe that his activities are related to the financing of illegal production, trafficking and (or) transit of drugs, is updated at least once every six months."
- Introduce into the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated October 12, 2020 No. 95 “On approval of the Requirements for the Internal Control Rules in order to combat the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of weapons proliferation mass destruction for the unified accumulative pension fund and voluntary accumulative pension funds" (registered in the Register of State Registration of Normative Legal Acts under No. 21434) the following change:
in the Requirements to the Internal Control Rules for the purpose of combating the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction for the unified accumulative pension fund and voluntary accumulative pension funds approved by the said resolution:
clause 15 shall be stated as follows:
"15. Types of customers whose status and/or activities increase the risk of ML/TF include, but are not limited to:
public officials, their spouses and close relatives;
legal entities and individual entrepreneurs whose activities are related to the intensive circulation of cash, including:
legal entities operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange transactions with cash foreign currency;
organizations whose exclusive activity is the collection of banknotes, coins and valuables (with the exception of subsidiaries of second-tier banks that comply with the AML/CFT requirements established by second-tier banks);
organizations engaged in microfinance activities;
agents (attorneys) of service providers (except financial ones) who accept cash from consumers, including through electronic terminals;
organizers of the gambling business, as well as persons providing services or receiving income from the activities of online casinos outside the Republic of Kazakhstan;
persons providing tourism services, as well as services related to the intensive circulation of cash;
broker-dealers managing the investment portfolio (with the exception of subsidiaries of second-tier banks that comply with AML/CFT requirements established by second-tier banks);
insurance (reinsurance) organizations, insurance brokers operating in the “life insurance” industry (with the exception of subsidiaries of second-tier banks that comply with AML/CFT requirements established by second-tier banks);
persons issuing and circulating secured digital assets;
persons engaged in the issuance and circulation of unsecured digital assets on the territory of the Astana International Financial Center;
persons providing financial leasing services (with the exception of subsidiaries of second-tier banks that comply with AML/CFT requirements established by second-tier banks);
persons operating as insurance agents;
persons engaged in intermediary activities in the purchase and sale of real estate;
persons whose activities are related to the production and (or) trade in weapons and explosives;
persons whose activities are related to the extraction and (or) processing, as well as the purchase and sale of precious metals, precious stones or products made from them;
non-profit organizations in the organizational and legal form of foundations, religious associations;
persons located (registered) in foreign countries specified in paragraph 16 of the Requirements, as well as branches and representative offices of such persons located in the Republic of Kazakhstan;
recipients of pension payments, on whose behalf their representatives act by proxy."
- Introduce into the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated October 12, 2020 No. 96 “On approval of the Requirements for the Internal Control Rules in order to combat the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of weapons proliferation mass destruction for professional participants in the securities market and the central depository" (registered in the Register of State Registration of Normative Legal Acts under No. 21433) the following change:
in the Requirements to the Internal Control Rules for the purpose of combating the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction for professional participants in the securities market and the central depository, approved by the said resolution:
clause 16 shall be stated as follows:
"16. Types of customers whose status and/or whose activities increase the risk of ML/TF include, but are not limited to:
public officials, their spouses and close relatives;
foreign financial organizations;
legal entities and individual entrepreneurs whose activities are related to the intensive circulation of cash, including:
legal entities operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange transactions with cash foreign currency;
organizations whose exclusive activity is the collection of banknotes, coins and valuables (with the exception of subsidiaries of second-tier banks that comply with the AML/CFT requirements established by second-tier banks);
organizations engaged in microfinance activities;
legal entities registered as pawnshops;
agents (attorneys) of service providers (except financial ones) who accept cash from consumers, including through electronic terminals;
organizers of the gambling business, as well as persons providing services or receiving income from the activities of online casinos outside the Republic of Kazakhstan;
persons providing tourism services, as well as other services related to the intensive circulation of cash;
persons providing financial leasing services (with the exception of subsidiaries of second-tier banks that comply with AML/CFT requirements established by second-tier banks);
persons issuing and circulating secured digital assets;
persons engaged in the issuance and circulation of unsecured digital assets on the territory of the Astana International Financial Center;
credit partnerships;
persons engaged in intermediary activities in the purchase and sale of real estate;
persons whose activities are related to the production and (or) trade in weapons and explosives;
persons whose activities are related to the extraction and (or) processing, as well as the purchase and sale of precious metals, precious stones or products made from them;
non-profit organizations in the organizational and legal form of foundations, religious associations;
persons located (registered) in foreign countries specified in paragraph 18 of the Requirements, as well as branches and representative offices of such persons located in the Republic of Kazakhstan."
- Introduce into the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market on October 12, 2020 No. 97 “On approval of the Requirements for the Internal Control Rules in order to combat the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of weapons proliferation mass destruction for insurance (reinsurance) organizations, insurance brokers, mutual insurance companies, the Export Credit Agency of Kazakhstan, branches of non-resident insurance (reinsurance) organizations of the Republic of Kazakhstan and branches of non-resident insurance brokers of the Republic of Kazakhstan" (registered in the Register of State Registration of Normative Legal Acts under No. 21425) the following change:
in the Requirements to the Internal Control Rules for the purpose of combating the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction for insurance (reinsurance) organizations, insurance brokers, mutual insurance societies, the Export Credit Agency of Kazakhstan, branches non-resident insurance (reinsurance) organizations of the Republic of Kazakhstan and branches of non-resident insurance brokers of the Republic of Kazakhstan, approved by the specified resolution:
clause 15 shall be stated as follows:
"15. Types of customers whose status and/or activities increase the risk of ML/TF include, but are not limited to:
a public official, his spouse and close relatives;
foreign reinsurers (assignors) if the reinsurance transaction is concluded without the participation of an insurance broker and such foreign reinsurers (assignors) do not have a financial reliability rating or a credit rating assigned by rating agencies approved by the regulatory legal acts of the authorized body for regulation, control and supervision of the financial market and financial organizations;
foreign insurance brokers (except for those who have a subsidiary in the Republic of Kazakhstan that is licensed by the authorized body for regulation, control and supervision of the financial market and financial organizations to carry out insurance brokerage activities and complies with AML/CFT requirements);
legal entities and individual entrepreneurs whose activities are related to the intensive circulation of cash, including:
legal entities operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange transactions with cash foreign currency;
organizations whose exclusive activity is the collection of banknotes, coins and valuables (with the exception of subsidiaries of second-tier banks that comply with the AML/CFT requirements established by second-tier banks);
organizations engaged in microfinance activities;
agents (attorneys) of service providers (except financial ones) who accept cash from consumers, including through electronic terminals;
organizers of the gambling business, as well as persons providing services or receiving income from the activities of online casinos outside the Republic of Kazakhstan;
persons providing tourism services;
persons providing financial leasing services (with the exception of subsidiaries of second-tier banks that comply with AML/CFT requirements established by second-tier banks);
persons engaged in intermediary activities in the purchase and sale of real estate;
persons whose activities are related to the production and (or) trade in weapons and explosives;
persons whose activities are related to the extraction and (or) processing, as well as the purchase and sale of precious metals, precious stones or products made from them;
non-profit organizations, in the organizational and legal form of foundations, religious associations;
persons located (registered) in foreign states and (or) internal territories specified in paragraph 17 of the Requirements, as well as branches and representative offices of such persons located in the Republic of Kazakhstan;
if there are doubts about the reliability of the information provided by the client;
the client commits actions aimed at evading the client due diligence procedures provided for by the AML/CFT Law;
persons who issue and circulate secured digital assets;
persons engaged in the issuance and circulation of unsecured digital assets on the territory of the Astana International Financial Center."
- Introduce into the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated October 12, 2020 No. 98 “On approval of the Requirements for the Internal Control Rules in order to combat the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of weapons proliferation mass destruction for the stock exchange" (registered in the Register of State Registration of Normative Legal Acts under No. 21424) the following change:
in the Requirements to the Internal Control Rules for the purpose of combating the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction for the stock exchange, approved by the said resolution:
clause 14 shall be stated as follows:
"14. Types of customers whose status and/or activities increase the risk of ML/TF include, but are not limited to:
foreign financial organizations;
persons located (registered) in foreign countries specified in paragraph 16 of the Requirements, as well as branches and representative offices of such persons located in the Republic of Kazakhstan.
persons who issue and circulate secured digital assets;
persons engaged in the issuance and circulation of unsecured digital assets on the territory of the Astana International Financial Center."
- Introduce into the resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated October 29, 2020 No. 105 “On approval of the Requirements for the Internal Control Rules in order to combat legalization (laundering) of proceeds from crime, terrorist financing and proliferation financing weapons of mass destruction for organizations carrying out certain types of banking operations, with the exception of the operator or operational center of the interbank money transfer system, as well as legal entities whose exclusive activity is the collection of banknotes, coins and valuables, and organizations engaged in microfinance activities" (registered in the Register of State Registration of Normative Legal Acts under No. 21577) the following change:
in the Requirements to the Internal Control Rules in order to combat the legalization (laundering) of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction for organizations carrying out certain types of banking operations, with the exception of the operator or operational center of the interbank money transfer system, as well as legal entities, exclusive whose activity is the collection of banknotes, coins and valuables, and organizations engaged in microfinance activities approved by the said resolution:
clause 15 shall be stated as follows:
"15. Types of customers whose status and/or activities increase the risk of ML/TF include, but are not limited to:
a public official, his spouse and close relatives;
persons located (registered) in foreign countries specified in paragraph 16 of the Requirements, as well as branches and representative offices of such persons located in the Republic of Kazakhstan;
non-profit and charitable organizations, religious associations;
persons who issue and circulate secured digital assets;
persons engaged in the issuance and circulation of unsecured digital assets on the territory of the Astana International Financial Center."