Paperwork, traffic jams, frozen funds, trips to the bank and racing to get there before it closes — that is what getting a guarantee used to involve. Today, thanks to digitalization, a guarantee from Halyk can be issued in just 10 minutes instead of a full working day. That means less time spent on paperwork and more left for the business itself. Halyk Bank explained which guarantee suits different business needs, reports infohub.kz.
Let's start with taking part in a tender. Here, digital blank tender guarantees are the right fit — for public procurement portals and for Samruk-Kazyna. With them, businesses confirm their financial reliability without freezing funds in the organizer's account until the tender ends. Such a guarantee can be issued without collateral and without visiting a branch.
But Halyk has simplified more than just the application process itself. To make it easier for entrepreneurs to find suitable procurements and take part in them, additional services have been introduced. For example, Tender Recommendations compiles current offers daily based on a company's profile. This saves time on searching independently and helps find suitable lots faster.
There is also a solution for those who take part in procurement regularly and want to optimize their spending on guarantees. Halyk offers three tariff packages: Tender Pro — for companies that take part in tenders constantly, and Tender — for those who turn to procurement from time to time. The Salem package, meanwhile, allows participation in tenders for smaller amounts. The principle is similar to a subscription or medical insurance: an entrepreneur buys a package and gets the ability to issue tender guarantees free of charge within a set amount. The tariffs are available to any type of business — you just need to be a Halyk client.
Taking part in a tender is only the first step. After winning, a business needs to start fulfilling the contract, and that may require a performance guarantee.
Individual entrepreneurs and limited liability partnerships can obtain Halyk's digital blank performance guarantee: up to 100 million tenge per guarantee and up to 200 million tenge in total. This makes it possible to confirm readiness to meet the terms of the contract and move from winning the tender to working on it.
Sometimes, to win a tender, an entrepreneur offers a price below the one set by the customer. In that case, anti-dumping security may be required. And here it is important not only to meet the procurement requirements but also to keep money in circulation.
Instead of diverting its own funds or using a credit line, a business can obtain a digital blank anti-dumping guarantee. It allows the procurement requirements to be met without freezing liquidity or a lengthy application process.
Ultimately, the choice of guarantee depends on the task: taking part in a tender, starting to fulfill a contract after winning, or confirming that the proposed price is justified. And Halyk's digital solutions help make each of these stages simpler and faster, preserving liquidity and keeping the focus on what matters most — growing the business.
*License (Universal Banking License) for conducting banking and other operations No. 1.1.601.130 dated 13.07.2026, issued by the ARDFM. License for conducting activities on the securities market No. 1.2.47/230/38/1 dated 23.06.2023, issued by the ARDFM.