Kazakhstan’s Halyk Bank has launched the “Online Advance” service for employees of companies enrolled in the bank’s payroll project. The service allows staff to receive up to 50% of their salary before payday via the Halyk SuperApp with no fee and no impact on their credit history.
An employee submits an application in the app, the system processes it, and the money arrives on their card within minutes. This is not a loan, but an earned wage payout. The employer covers the transfer fee.
To connect, a company needs an account with the bank, as well as registration in Onlinebank and 1C. Once integrated, accounting departments do not need to approve each transaction—the system handles requests automatically. The service was piloted among the bank’s corporate clients, including the Shipager Medical Center.
