Halyk Savings Bank of Kazakstan SWIFT/BIC code

SWIFT/BIC code of Halyk Savings Bank of Kazakstan

If an invoice shows HSBKKZKX or HSBKKZKXXXX, it is the identical identifier for Halyk Savings Bank of Kazakstan in Kazakhstan. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. It comes up mostly when dealing with transfers between countries or a currency.

Further down you will find the practical side: receiving money at Halyk Savings Bank of Kazakstan, sending money abroad and how to check the code before you confirm a payment. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN is for.

Why Halyk Savings Bank of Kazakstan has an 8- and an 11-character code

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. The result is HSBKKZKX for Halyk Savings Bank of Kazakstan.

The full version adds three more characters that identify a branch or department. When those three characters are XXX, they simply mean the head office, so HSBKKZKXXXX and HSBKKZKX are interchangeable.

Type the code in one piece, in upper case and without spaces. Pasting the code is safer than retyping it.

What a transfer from Halyk Savings Bank of Kazakstan abroad really costs

The price of an international transfer has more than one component. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

Many banks rarely show the margin on the rate separately – you only notice it if you compare. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares the amount that arrives with different services. Using a transfer service does not mean leaving Halyk Savings Bank of Kazakstan: you simply pay the service from your account.

Incoming international payments to Halyk Savings Bank of Kazakstan

For an international payment into your account at Halyk Savings Bank of Kazakstan, the sender needs not just the BIC. What they need is: the account holder’s name, account number or IBAN, HSBKKZKXXXX or HSBKKZKX and often your postal address.

It helps to include the bank name and Almaty as well, because some payment forms have separate fields for them. Double-check each detail before you share them.

An incoming payment will not always land for the full amount. Charges on incoming payments vary per bank. On invoices, it is common to agree who bears the costs to avoid a shortfall.

Watch out for payment fraud

Be alert when a contact unexpectedly wants you to pay into another account. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Never trust contact details in the same message that announces the change. Urgency or secrecy tend to be warning signs – a real supplier can wait a day. Already paid? Contact your bank straight away and ask them to try to recall the payment and report the fraud.

Recipients are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference. A screenshot of a transfer is no proof.

How long does an international transfer to Halyk Savings Bank of Kazakstan take?

How quickly a transfer reaches Halyk Savings Bank of Kazakstan is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add extra days to the journey. Sometimes a bank wants to know about the purpose of a payment.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer carries a unique reference, the UETR. Keep your transfer receipt until the money has arrived.

A delayed transfer is investigated from the sending side on the basis of the transfer details. On the receiving end, it helps to look at your account to see a slightly lower amount because fees can reduce the amount.

Choosing between the 2 SWIFT codes of Halyk Savings Bank of Kazakstan

Halyk Savings Bank of Kazakstan uses 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the others belong to branches.

Usually there is no need to pick a branch: transfers sent to HSBKKZKXXXX reach Halyk Savings Bank of Kazakstan without problems. If you have been given a specific code, use it as it is rather than replacing it with the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more prone to be retired than HSBKKZKXXXX when a bank merges or closes offices.

How to check HSBKKZKX before you pay

Have the recipient send you the account details directly from their online banking. Check that code against HSBKKZKX on this page and ask if anything does not match.

Mistakes in the SWIFT code tend to be annoying rather than fatal – usually the money comes back, minus fees and time lost. Remember the account number: an error there can be more difficult to correct than a wrong BIC.

A validity check by your bank only confirms that the code exists. More and more banks compare the name against the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people start with a small amount first before sending the rest.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on public sources. Still, banks merge, rename themselves or change codes and our data may lag behind. The number of codes we show reflect what is in our directory, not official figures from Halyk Savings Bank of Kazakstan.

Treat our directory here as a helpful check. GoldexPay is not affiliated with Halyk Savings Bank of Kazakstan, we only compare transfer services. If you notice something that is out of date, we appreciate a message via the contact page.