Every month, banks in Kazakhstan and Uzbekistan release dozens of mobile app updates. Most are fixes with no description. We selected only the releases where the bank itself explained what changed: they show where the market is investing right now.
- 39
- updates with new features
- 26
- apps: 8 in Kazakhstan, 18 in Uzbekistan
- 6
- updates on international transfers — the main theme in Uzbekistan
- 11
- Kaspi.kz and Halyk versions without a single word about what changed
Key takeaways of the month
Money abroad — straight from the app
Six updates this month concerned transfers to other countries. In Uzbekistan, several banks opened new corridors at once: Ipoteka Bank — SWIFT, National Bank — UnionPay transfers to 84 countries, Davr Bank — the Granat service, Orient Finans Bank — transfers to Russia by card or phone number, Agrobank — to any Visa card. In Kazakhstan, ForteBusiness launched B2B transfers via Mastercard to partners in the US, China, the UAE, Turkey and Europe.
Loans — from application to early repayment on one screen
The second big theme was loans. Tenge Bank added partial early repayment, SQB — a “My loans” section and a full schedule before the application is submitted, Ipoteka Bank — paying loans of other bank customers. Hamkorbank accepts repayment from a Visa card in soums, Orient Finans Bank — car loan applications, Bereke Bank — instalment plan extensions. For business, ForteBusiness opened loans backed by a Damu Fund guarantee.
Gold in the mobile bank
Three banks brought precious metals into the app: Apex Bank opened gold and silver accounts, Anorbank — a “Gold account”, Bank CenterCredit — recurring metal purchases. Alongside this, cashback as a retention tool: the 7% on Bereke Bank’s Alğa card goes towards the loan, while Humo and Uzum Bank pay cashback on utility bills.
The largest players still update silently
Kaspi.kz released seven versions, Halyk four. What changed in them cannot be told from the descriptions — more below.
Kazakhstan: 14 updates in 8 apps
Bank CenterCredit
- Retail app: three releases — new design of BCC Club and the QR section, receipts for fares paid by QR, a smart assistant for the “Champion” deposit, auto top-up from another bank’s card, recurring precious metal purchases, notification of a free safe deposit box at the branch, tracking of incoming SWIFT transfers.
- BCC Business: signing deposit applications from BCC Corporate, new applications for deposit products, the BCC Smart service in the showcase.
ForteBank
- ForteBusiness: two releases — B2B transfers via Mastercard to the US, China, the UAE, Turkey and Europe, loans backed by a Damu Fund guarantee, simpler refinancing and tranches, a higher deposit rate based on the client’s plan.
Freedom Bank
- Freedom Business: two releases — paying Coca-Cola invoices by QR code, choosing a card design when registering as a sole proprietor, simpler login for LLPs with several founders and for condominium associations.
Home Credit Bank
- Two releases: repeat transfer and favourite cards from the transaction history, loan repayment from another bank’s card, parking time from 15 minutes to 8 hours, a suggested amount in payments.
Bank RBK, Bereke Bank, Eurasian Bank
- Bank RBK: two releases — Mastercard in Apple Pay, “Closed” or “Expired” status for cards.
- Bereke Bank: Alğa debit card — 7% cashback goes towards loan repayment, instalment plan extension, a new payment schedule view.
- Eurasian Bank: a more convenient filter in the payment history.
Uzbekistan: 25 updates in 18 apps
International transfers
- Ipoteka Bank: two releases — international transfers via SWIFT, transfers by bank details and to the budget in one flow, new card issuance, paying loans of other bank customers, a fiscal receipt after paying by UzQR.
- National Bank (Milliy): UnionPay MoneyExpress transfers to cards in 84 countries, fee 1%, minimum USD 2.
- Davr Bank: two releases — Granat international transfers, login confirmation from a new device, emergency blocking of accounts and cards.
- Orient Finans Bank: transfers to Russia by card or phone number, car loan applications, international card statements in English.
- Agrobank: two releases — transfers to any Visa card, history of transfers between own accounts, PIN change for Uzcard and UnionPay cards.
Loans
- Tenge Bank: partial early repayment and payment via the loan account.
- SQB: a redesigned “My loans” section, a full payment schedule when applying.
- Ipak Yuli Bank: two releases — quick actions on the home screen (QR payment, transfer, currency exchange), login protection from a new device, a calculator and application statuses in the loans section.
- Hamkorbank: two releases — loan repayment with a Visa card in soums, deposits without a secret code, in-app card designs matching the physical cards.
Uzum and Anorbank
- Uzum Bank: two releases — KASKO and OSAGO data is filled in automatically, 7% cashback in Korzinka Go and on mobile and utility bills, fee-free transfers between Uzum cards.
- Anorbank: two releases — “Gold account”, the ANOR Tap game with points for tasks, microloan repayment with a Mastercard card, the Uzcard Momentum Kids children’s card.
Other banks
- Apex Bank: gold and silver accounts, biometric confirmation of P2P transfers.
- Trustbank: escrow for real estate and car deals, Mastercard-to-Mastercard transfers.
- Octobank: a combined balance of cards, accounts and wallets on the home screen, a single daily transaction feed.
- Xalq Banki (Xazna): a multi-currency card, ordering a card in the app with pickup at a branch or card kiosk.
Fintech services
- Humo: cashback on utility payments straight to the card, fee-free transfers between HUMO cards up to 10 M soums.
- Click: fewer steps in card-to-card transfers, the scanner reads even handwritten card numbers.
- Alif Shop: linking a card at registration is now optional.
Who updated quietly
The two largest banks in Kazakhstan use boilerplate release notes, so they are not included in the lists above. We counted their versions from App Store history.
- Kaspi.kz — seven versions: 5, 12, 14, 19, 21, 27 and 29 October. September had four — one a week; in October the pace almost doubled. All share the same description: “We improved app stability and performance”.
- Halyk — four versions: 2, 8, 15 and 30 October, all with the same line about performance. September had two.
Frequent releases without descriptions usually mean new features are switched on server-side rather than shipped with the app version. Such a bank cannot be read from the app store.
App Store ratings
Ratings barely moved in October: for 33 of 35 apps the change was no more than 0.01. Wooppay (+0.07) and Kassa24 Wallet (+0.23 — but with only 7 ratings) rose noticeably, while Prosper Pay fell (−0.07).
Kazakhstan
| App | 11 October | October 28 | Change |
|---|---|---|---|
| Freedom Business | 4,93 | 4,93 | 0 |
| Freedom SuperApp | 4,90 | 4,90 | 0 |
| Bank RBK | 4,90 | 4,90 | 0 |
| Bereke Bank | 4,88 | 4,88 | 0 |
| Kaspi.kz | 4,86 | 4,85 | −0,01 |
| ForteApp | 4,84 | 4,84 | 0 |
| Onlinebank for business | 4,77 | 4,77 | 0 |
| Alatau City Bank | 4,77 | 4,77 | 0 |
| Bereke Business | 4,67 | 4,67 | 0 |
| Halyk | 4,64 | 4,64 | 0 |
| BCC Business 2.0 | 4,55 | 4,56 | +0,01 |
| Home.kz | 4,56 | 4,55 | −0,01 |
| Wooppay | 4,36 | 4,43 | +0,07 |
| Kassa24 Wallet | 4,20 | 4,43 | +0,23 |
| Solva.kz | 4,22 | 4,22 | 0 |
| bcc.kz | 3,77 | 3,77 | 0 |
| Eurasian Bank | 3,73 | 3,74 | +0,01 |
| ForteBusiness | 3,65 | 3,65 | 0 |
| Halyk Life | 3,26 | 3,26 | 0 |
| Prosper Pay | 2,96 | 2,89 | −0,07 |
| Otbasy Bank | 2,66 | 2,67 | +0,01 |
| Altyn Bank | 2,59 | 2,60 | +0,01 |
| Nur24.kz | 1,84 | 1,84 | 0 |
Uzbekistan
| App | 11 October | October 28 | Change |
|---|---|---|---|
| Ipak Yuli Mobile | 4,86 | 4,85 | −0,01 |
| Payme | 4,84 | 4,84 | 0 |
| TBC Bank Uzbekistan | 4,81 | 4,81 | 0 |
| Click SuperApp | 4,81 | 4,81 | 0 |
| Uzum Bank | 4,80 | 4,80 | 0 |
| Alif | 4,81 | 4,80 | −0,01 |
| TBC Biznes | 4,75 | 4,75 | 0 |
| Paynet | 4,72 | 4,72 | 0 |
| Anorbank | 4,66 | 4,66 | 0 |
| Oson | 3,77 | 3,76 | −0,01 |
| Hamkor | 3,70 | 3,70 | 0 |
| Uzum Nasiya | 3,51 | 3,51 | 0 |
Methodology
- Source: the Fintechstan Market Radar, which tracks app pages in the App Store and Google Play.
- Only releases with a substantive description are counted. The same set of changes on iOS and Android is counted once, as are versions with repeated text. Releases that repeat the September description (Freedom SuperApp, Payme, TBC Bank) are not included in October.
- Period: 1–31 October 2026. Number of versions based on the App Store version history.
- Since October, the radar has tracked 26 of Uzbekistan’s 27 banks (four in September), so there are noticeably more Uzbek updates in October. Months cannot be compared directly for Uzbekistan.
- Ratings are the average App Store score in the app’s home country as of 11 and 28 October.
Rocket Tech builds mobile banking for banks in Kazakhstan and Uzbekistan. Fintechstan is a media outlet and guide to Central Asian fintech, created and developed by the Rocket Tech team.
