Bank 'CenterCredit

Name

Bank 'CenterCredit

Legal name

Bank CenterCredit JSC (АО «Банк ЦентрКредит»АҚ)

Website

https://bcc.kz

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), General Purpose Credit Cards (FSAKABAA)

Keywords

• Retail banking services
• Commercial lending products
• Mortgage and consumer loans
• International money transfers
• Corporate banking solutions

Headquarters

HQ city

Almaty

HQ country

Kazakhstan

HQ region

Asia

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Traditional banking revenue from interest earned on loans including unsecured cash credits, mortgage loans, auto loans, business loans, credit cards, and secured/unsecured credit facilities.
2. International Money Transfers: Fees from international transfer services including Western Union, SWIFT, KoronaPay, and domestic transfers. Bank was the first in Kazakhstan to partner with Western Union.
3. Card Services: Revenue from credit and debit cards including #kartakarta, #180, #GoldCard, #IronCard, #TravelCard, #BlackEdition, #DragonCard, #CryptoPay, #TabysCard, #bccjunior, and business cards with associated fees and interchange.
4. Deposits and Savings: Deposit products including Champion, Rakhmet, Moy Tzely, AQYL education savings, Birge+ with interest rates ranging from 14.00-18.40% annual effective rate.
5. Corporate Banking Services: Business account services, current accounts, escrow accounts, cash pooling, business loans, factoring, trade finance, payment guarantees, tender guarantees, and POS acquiring services.
6. Trade Finance and Guarantees: Letters of credit, trade financing, payment guarantees, tender guarantees, and bank guarantee verification services for corporate clients.
7. Investment Products: Gold bullion sales, metal accounts, safe deposit box rentals, and investment services through bcc.kz investments platform.
8. Government-linked Programs: State-supported programs including JAÑA mortgage, 7-20-25 online mortgage queue, Damu Fund regional support programs, and GEFF green technology financing.

Pricing tiers

Go-to-market motion2 records

Distribution channels9 records

Marketing channels6 records

Core offering

Bank CenterCredit is a universal commercial bank in Kazakhstan providing retail and corporate banking products and services. It offers deposit accounts, consumer and mortgage loans, credit and debit cards, business loans, trade finance, guarantees, payment acquiring, cash management, foreign exchange, international money transfers (Western Union, SWIFT, KoronaPay), and investment products (gold, precious metals, securities). Services are delivered through a national branch network and three mobile banking applications (bcc.kz, bcc business, JuniorBank).

Product overview

Bank CenterCredit (BCC) operates as a universal bank in Kazakhstan offering a multi-platform banking ecosystem. The core product portfolio comprises three mobile banking applications (bcc.kz for retail, bcc business for business clients, and JuniorBank for children's financial education), supplemented by over 15 branded debit and credit card products (including premium cards like #IronCard, #TravelCard, #BlackEdition, #DragonCard, #CryptoPay, and mass-market cards like #bccpay, #GoldCard, #180), mortgage products (JAÑA Ипотека), consumer and business loan products (including secured, unsecured, auto, and bcc smart installment), deposit products (Champion, Rahmet, Моя цель, AQYL, Birge+), investment products (FX Exchange, Tom Spot, gold bullion, metal accounts, safe deposit boxes), and money transfer services (KoronaPay, Western Union, SWIFT). Business solutions include Open API for third-party integration, POS terminals, BCC Pay, BCC QR, escrow accounts, cash pooling, and Digital Tenge. Premium services include Private Banking and the bcc club loyalty program.

Differentiator

Problem solved

Functional benefit

Brands

• bcc junior: Financial literacy online course platform for children aged 6-18, providing educational lessons in Russian, Kazakh, and English.

Products and services

• bcc.kz Mobile Banking Application Primary mobile banking application for retail individual customers in Kazakhstan, enabling account management, money transfers, loan applications, currency exchange, and card control.
• bcc business Mobile Banking Application Mobile banking application for corporate and SME clients providing account management, payment processing, trade finance, and business loan applications.
• JuniorBank Mobile Application Financial literacy and basic banking mobile application for children and teenagers aged 6-18, with age-specific learning programs and completion certificates.
• #картакарта (#kartakarta) Credit Card Credit card for retail customers with credit limit up to 7,000,000 tenge.
• #180 Credit Card Credit card for retail customers offering up to 3,000,000 tenge credit limit with an interest-free period of up to 180 days on purchases.
• #IronCard Premium Debit Card Premium metal debit card with exclusive travel and lifestyle benefits for retail customers.
• #TravelCard Premium Debit Card Premium travel-focused debit card offering travel-related benefits and privileges for retail customers.
• #BlackEdition Premium Card Premium black-themed exclusive debit card with enhanced benefits for retail customers.
• #DragonCard UnionPay Card Premium UnionPay debit card for retail customers with exclusive benefits, now available on Apple Pay.
• #GoldCard Premium Debit Card Premium gold-themed debit card with enhanced benefits for retail customers, available on Apple Pay.
• #CryptoPay Card Premium cryptocurrency-linked card registered with ATAIX Eurasia exchange for retail customers.
• #TabysCard Digital Card Digital card for self-employed individuals offering up to 20% cashback.
• #bccjunior Children's Debit Card Children's debit card for financial education and supervised spending by minors.
• #bccpay Salary Project Debit Card Debit card tied to salary project arrangements, offering 10% cashback on utilities, internet, TV, transport, and kindergarten payments.
• #businessprime Corporate Credit Card Premium corporate credit card for business clients.
• #businessunion Corporate UnionPay Card Business UnionPay card for corporate clients for cross-border payment acceptance.
• JAÑA Mortgage Program State-backed mortgage program with competitive rates for residential property purchase by retail customers in Kazakhstan.
• Online Mortgage Program (including 7-20-25 online queue) Online mortgage products including a 7-20-25 government-backed program online queue, starting from 19% for secondary-market residential purchases.
• bcc smart Installment Product Buy-now-pay-later installment payment solution available to both personal and business customers.
• Unsecured Cash Credit Collateral-free personal cash loan up to 8 million tenge, processed online through the bcc.kz mobile app.
• Champion Deposit Term deposit product for retail customers with a competitive annual effective rate.
• Rakhmet Deposit Term deposit product for retail customers with a competitive annual effective rate.
• Moy Tzely (My Target) Deposit Goal-linked savings deposit product for retail customers seeking to accumulate savings toward a defined target.
• AQYL Education Savings Deposit Education savings deposit product for retail customers saving for children's education expenses.
• Birge+ Deposit Birge+ term deposit product offered to retail customers with competitive annual effective rates.
• Western Union Money Transfers International money transfer service via Western Union covering over 200 countries, with transfer fees starting from 500 tenge via the bcc.kz mobile app and maximum USD 10,000 per transaction.
• SWIFT International Transfers International bank-to-bank transfer service via SWIFT with no upper limit on transaction amounts, multi-currency support (USD, RUB, GBP, EUR), and OUR/BEN/SHA commission options.
• KoronaPay Money Transfers International money transfer service via the KoronaPay (Zolotaya Korona) network for transfers to CIS countries and beyond, with zero-percent commission on currency conversions.
• FX-Exchange Online Currency Trading Online currency exchange platform integrated within the bcc.kz mobile banking app for real-time FX trading.
• Tom Spot FX Trading Online currency exchange product for Tom Spot trading via the bcc.kz platform.
• Gold Bullion (Алтын құймалар) Investment Gold bullion purchase and storage service for retail customers for investment purposes.
• Metal Account (Металл шот) Precious metals trading account for retail customers to invest in gold and other metals.
• Safe Deposit Box Rental Safe deposit box rental service for retail customers to store valuables.
• Private Banking Exclusive private banking services for high-net-worth individuals in Kazakhstan, including premium advisory and bespoke products.
• Escrow Account Service Secure escrow account service for corporate clients to safeguard counterparty transactions.
• Cash Pooling Treasury Service Cash concentration and pooling service for corporate treasury management across subsidiary accounts.
• BCC Pay Business Payment Solution Business payment processing and management solution for corporate clients.
• BCC QR Merchant Payment Solution QR code-based payment acceptance solution for merchants to accept retail customer payments.
• POS Terminal Acquiring Service POS terminal installation and merchant acquiring service enabling merchants to accept card payments.
• Open API Banking Platform Open API platform that enables third-party developers and businesses to integrate with Bank CenterCredit's banking services and automate operations.
• Digital Tenge (CBDC) Integration Digital Tenge (CBDC) integration enabling corporate clients to transact using Kazakhstan's central bank digital currency.
• bcc club Loyalty Program Customer loyalty and rewards program offering perks and benefits to Bank CenterCredit clients.

Quantifiable outcome

• 75 out of 100 sustainability score in S&P Global Assessment 2026
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

Six partnerships are on record, tiered strategic, minor and core.

• Ant Digital TechnologiesstrategicTechnology or Integration · 23 April 2026Ant Digital Technologies and Bank CenterCredit partnership announced at Money20/20 Asia 2026 fintech conference in Bangkok. Ant Digital showcased its AI-driven Platform-as-a-Service model (Agentar, ZOLOZ, mPaaS, AntChain) aimed at transforming financial institutions. The partnership positions BCC as a digitally transformed bank leveraging Ant's full-stack AI ecosystem for SME services in Kazakhstan.
• Meezan Bank PakistanstrategicStrategic or Co-development Partner · 23 February 2026Meezan Bank Pakistan and Bank CenterCredit signed an MoU to strengthen correspondent banking relations and support bilateral trade between Pakistan and Kazakhstan. Collaboration areas include trade finance, cross-border payments, and financial services for corporate and commercial clients. Both institutions aim to improve access to banking channels and explore new opportunities for economic cooperation.
• Temirservice Astana LLPminorOthers · 3 February 2026Target of co-financing arrangement with EBRD and BCC for construction of warehouse complex in Astana. Temirservice is a large private operator of railway infrastructure in Kazakhstan's capital, managing over 45 kilometers of access roads connecting key industrial facilities.
• Western UnioncoreTechnology or IntegrationBank CenterCredit was the first bank in Kazakhstan to become a partner of American company Western Union. Service covers money transfers between individuals worldwide (over 245,000 points in 200 countries), with transfers available within 15 minutes. Max transfer amount: 10,000 USD per transaction. Transfer fees start from 500 tenge via mobile app. '12 hours' tariff available for CIS countries (max 3,000 USD).
• KoronaPay (Zolotaya Korona)coreTechnology or IntegrationKoronaPay partnership enables money transfers to CIS countries, Vietnam, Thailand, Turkey, Korea, China, Cyprus, Israel and other countries. Transfers arrive in seconds. Zero percent special tariff for currency exchanges. The service requires only recipient name, country, and city. Recipient selects pickup point from 30,000+ locations worldwide.
• Kenanga Investment Bank BerhadminorStrategic or Co-development PartnerPartnership in Malaysia for digital banking transformation; Kenanga is a licensed investment bank in Malaysia.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Halyk Bank: The largest universal bank in Kazakhstan by assets, serving retail, SME, and corporate customers with deposits, lending, cards, and digital banking. Directly competes with Bank CenterCredit across virtually every product line and customer segment in the Kazakh market.
• Kaspi.kz: Kazakhstan's dominant fintech super-app combining payments, marketplace, and consumer finance. Directly competes with BCC in retail deposits, cards, payments, and consumer lending while defining the digital-banking benchmark BCC must match.
• ForteBank: Top-5 universal bank in Kazakhstan offering retail, SME, and corporate banking with a strong digital push. Highly comparable to BCC in scale, product breadth, and target customer segments.
• Eurasian Bank: Kazakh universal bank with retail and corporate banking, card products, and money transfer services. Closely comparable to BCC in segment focus and product mix within the Kazakh market.
• Jysan Bank: Universal Kazakh bank serving retail and corporate clients with deposits, lending, and digital banking. Comparable tier and product set to BCC, and a direct competitor for retail and SME customers.
• Bereke Bank: Kazakh universal bank (formerly operating under the Sberbank Kazakhstan brand) offering retail and corporate banking. Directly competes with BCC for the same domestic customer base.
• Bank RBK: Mid-sized Kazakh bank providing retail deposits, lending, and cards. Operates in the same domestic competitive set as BCC, primarily competing in retail and SMB segments.
• Home Credit Bank Kazakhstan: Consumer-finance-focused bank in Kazakhstan with strong POS-lending and card presence. Closely comparable to BCC's consumer-lending and card business lines (#картакарта, #180, #TabysCard).

Emerging players

• Altyn Bank: Kazakh bank subsidiary of China Construction Bank, focused on corporate and trade finance with growing retail. Comparable to BCC's corporate banking and trade finance offerings, particularly cross-border China-related flow.

Broad incumbents

• Freedom Holding Corp: Diversified financial-services group operating in Kazakhstan and Central Asia across banking, brokerage, insurance, and fintech. Comparable to BCC through its Kazakh banking subsidiary (Freedom Bank) and overlapping retail/corporate product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xt.me/BankCenterCredit_bot
• YouTubeyoutube.com/@bccjunior-kz
• Facebookfacebook.com/bcc.kz
• LinkedInlinkedin.com/company/bank-centrkredit
• Instagraminstagram.com/bankcentrkredit

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank 'CenterCredit