Kazakhstan's national super-app (payments + marketplace + fintech), with Kaspi QR accepted at 99% of merchants; in August 2025 it became Central Asia's first market connected to Alipay+.
!Not a bank-adjacent wallet. The Kaspi.kz operator holds a Kazakh banking license and Kaspi Gold accounts sit inside the banking system under the National Bank of Kazakhstan; it is listed here for its everyday-payment super-app role.
Partially. Since February 2025 foreigners can obtain a Kaspi Gold card in person at any Kaspi branch with a passport and a Kazakh phone number (valid one year, no card fee, no monthly fee, no minimum balance); remote registration is closed, so short trips are not worth it. A shortcut: since August 2025, Alipay+ partner wallets can pay directly at Kaspi QR merchants.
No minimum balance requirement｜No card fee, no monthly fee, no minimum balance; other charges as published in the app
The card is valid for one year; ATM withdrawals are typically around KZT 100,000 per transaction; specifics as published in the app.
Partially. Since February 2025 foreigners can obtain a Kaspi Gold card in person at any Kaspi branch with a passport and a Kazakh phone number (valid one year, no card fee, no monthly fee, no minimum balance); remote registration is closed, so short trips are not worth it. A shortcut: since August 2025, Alipay+ partner wallets can pay directly at Kaspi QR merchants.
Local bank account: Not applicable — Kaspi Gold is itself a bank account/card. Items typically needed: Passport; A Kazakh phone number; IIN (individual tax number, obtainable with staff help at the branch).
Typically: Passport; A Kazakh phone number; IIN (individual tax number, obtainable with staff help at the branch).
How to sign up: Apply in person at a branch (passport + Kazakh number; staff can help obtain an IIN) (Card issued on the spot (about an hour)). Steps: 1) Buy a Kazakh SIM card 2) Visit any Kaspi branch 3) Show your passport and phone number 4) Get your IIN with staff help 5) Receive the Kaspi Gold card on the spot and activate it in the app Fees: No card fee, no monthly fee, no minimum balance; other charges as published in the app
The card is valid for one year; ATM withdrawals are typically around KZT 100,000 per transaction; specifics as published in the app.
E-wallet rules change often — always follow the latest instructions in the official app.