Halyk Finance Review 2026

Item: Halyk Finance
Rating: 3.16
Author: Oleg Tkachenko

By: Oleg Tkachenko
Updated: April 10, 2026

Top Brokers Overview — United States

Min. deposit $10
Fees 7 /10
Account types 4.3 /10
Regulation 1.5 /10

3.2 /10

High risk

Halyk Finance User Reviews 4.0
Commissions and Fees 7.0
Regulation and Safety 1.5
Account Types 4.3
Deposit and Withdrawal 4.0
Markets and Tradable Assets 1.0
Trading Account Opening 10.0
Customer Support 5.5

Halyk Finance Pros & Cons

Unlimited license to provide brokerage services issued by the National Bank of Kazakhstan;
Long-term operation on the securities market and stability of financial indicators with a trend toward capital growth;
Wide choice of markets, both domestic and international;
Diversity of investment solutions for retail and institutional clients;
No initial deposit requirements;
Functional mobile apps for fund transfers, trade execution, and portfolio management;
Free analytics, market reviews, newsfeeds, and stock market research.

Minimum fee for derivatives is KZT 15,000 (about 33.50 USD);
Trust management services are available only to investors with large portfolios;
No live chat on the broker’s website and no demo mode on trading platforms.

TU Expert Verdict

Halyk Finance carries a higher degree of risk. My review and user feedback point to noticeable performance issues and limitations. It may be appropriate only for experienced traders who fully understand the risks and are prepared for potential instability.

Top-5 Brokers Traders Prefer

Trading.com USA

8.8 /10

Regulation Tier-1

EUR/USD 0.9 pips

zForex

7.9 /10

Regulation Not regulated

EUR/USD 0.1 pips

Plus500

7.5 /10

Regulation Tier-1

EUR/USD 0.5 pips

OANDA

6.9 /10

Regulation Tier-1

EUR/USD 0.1 pips

FOREX.com

6.8 /10

Regulation Tier-1

EUR/USD 0.7 pips

Halyk Finance User Reviews

Score:

4 /10

1 total

5-star

0%
4-star

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3-star

0%
2-star

100%
1-star

0%

Do not trust Halyk Finance’s promises! All the fancy talk about low spreads is just bait. As soon as you start trading, these spreads start growing like mushrooms after rain. In the end, you’re not earning anything—you’re only paying them unexpected commissions. Stop losses get triggered unbelievably easily, as if someone is sitting there watching exactly where you place them.

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Commissions and Fees

Score:

7 /10

The trading and non-trading commissions of Halyk Finance have been analyzed and rated as having Medium fees, with a fees score of 7/10. Additionally, these commissions were compared with those of the top two competitors, ZForex and OANDA, to provide the most comprehensive information.

Low Forex trading fees
Tight EUR/USD market spread
No inactivity fee
No deposit fee
No withdrawal fee

Complex fee structure

Trading Fees and Spread

Below, we evaluated and compared the trading commissions of Halyk Finance with those of two competitors. We focused on the spreads and other transaction fees directly associated with executing trades (e.g commission per lot on an ECN account). This comparison aimed to provide a clear understanding of the cost efficiency of each broker.

Standard Account Spread

For Standard accounts, Halyk Finance’s commissions are part of the floating spread, which varies with market conditions. Typical values are provided, but during high volatility, the spread may exceed these.

Halyk Finance Standard spreads
	Halyk Finance	ZForex	OANDA
EUR/USD min, pips	0.8	0.1	0.1
EUR/USD max, pips	1.4	0.4	0.5
GPB/USD min, pips	0.8	0.2	0.1
GPB/USD max, pips	1.5	0.6	0.5

RAW/ECN Account Commission And Spread

The spread on ECN/RAW accounts is market-based and fluctuates, with average values given during active hours. It may vary during volatility spikes. A commission per lot is also charged.

Halyk Finance RAW/ECN spreads
	Halyk Finance	ZForex	OANDA
Commission ($ per lot) The commission is the fee charged by the broker for trading one standard forex lot (100,000 units of the base currency).	4.00	7	3.5
EUR/USD avg spread	0.10	0.1	0.15
GBP/USD avg spread	0.10	0.15	0.2

Non-Trading Fees

We conducted a detailed analysis of the non-trading fees associated with Halyk Finance. This review offers a comprehensive overview of the additional costs that may impact traders beyond regular trading activities.

Halyk Finance Non-Trading Fees
	Halyk Finance	ZForex	OANDA
Deposit fee, % The indicated amount does not include possible fees from payment systems and banks.	0	0	0
Withdrawal fee, % The indicated amount does not include possible fees from payment systems and banks.	0	0	0
Withdrawal fee, USD The indicated amount does not include possible fees from payment systems and banks.	0	0	0-15
Inactivity fee ($, per month)	0	0	0

Is Halyk Finance Safe?

Score:

1.5 /10

Halyk Finance has a safety score of 1.5/10, which corresponds to a Low security level. The safest brokers are those with Tier-1 regulation, a long history (over 10 years in the market), and participation in investor compensation schemes.

Negative balance protection

Not tier-1 regulated

Halyk Finance Security Factors
Foundation date	-
Negative balance protection	Yes
Verification (KYC)	Yes

Halyk Finance is Not a Regulated Broker

Attention! It's your choice to work with regulated or unregulated brokers, but please consider the risks carefully. Unregulated brokers might offer lower fees and flexible trading options, but they lack investor protection, have a higher fraud risk, and no guarantee of withdrawals. Thoroughly research before deciding.

Account Types

Score:

4.3 /10

Halyk Finance offers the following account options: Standard, ECN/Raw spread.

However, it does not provide a Cent account, which can be a disadvantage for beginners looking to practice with minimal risk.

Standard account with balanced trading conditions
Low minimum deposit
Tight spread ECN account

Micro lots are not available
No Demo account

Halyk Finance account types vs top competitors
	Halyk Finance	Trading.com	ZForex
Standard	Yes	Yes	Yes
ECN/Raw spread	Yes	No	Yes
Demo	No	Yes	Yes
Cent	No	No	No
Micro	No	No	No
Swap Free	No	No	Yes
VIP	No	No	No
Managed	No	No	No

Halyk Finance accounts trading conditions

To open a brokerage account with Halyk Finance, first become a client of HomeBank. It is available in the Halyk Finance mobile app or via the company’s manager. Accounts for individuals are opened within 1-3 business days.

Account type:

Account Type	Description
Brokerlik shot	It is a universal account type intended for trading securities and derivatives.

Demo mode isn’t available on any trading platform provided by the company and its partners. The broker’s clients can execute trades only with real money and not virtual funds.

Halyk Finance is a stock broker that provides analytical support, electronic systems for instant order placement, and access to global securities markets.

Deposit and Withdrawal

Score:

4 /10

Halyk Finance received a Low score for the efficiency and convenience of its deposit and withdrawal processes.

Halyk Finance offers limited payment options and accessibility, which may impact its competitiveness.

Low minimum withdrawal requirement
Bank card deposits and withdrawals
No deposit fee
Bank wire transfers available

Only major base currencies available
USDT payments not accepted
BTC not available as a base account currency

What are Halyk Finance deposit and withdrawal options?

Halyk Finance offers a limited selection of deposit and withdrawal methods, including Bank Card, Bank Wire. This limitation may restrict flexibility for users, making Halyk Finance less competitive for those seeking diverse payment options.

Halyk Finance Deposit and Withdrawal Methods vs Competitors
	Halyk Finance	Trading.com	ZForex
Bank Wire	Yes	Yes	No
Bank card	Yes	Yes	Yes
PayPal	No	No	No
Wise	No	No	No
BTC	No	No	Yes

What are Halyk Finance base account currencies?

A wide range of base account currencies minimizes the need for currency conversion, potentially reducing transaction costs. Halyk Finance supports the following base account currencies: KZT.

What are Halyk Finance's minimum deposit and withdrawal amounts?

The minimum deposit on Halyk Finance is $10, while the minimum withdrawal amount is $1. These minimums may vary depending on the chosen account type and payment method. For specific details, please contact Halyk Finance’s support team.

Markets and Tradable Assets

Score:

1 /10

Halyk Finance offers a limited selection of trading assets compared to the market average. The platform supports 0 assets in total.

Multiple markets

Futures not available
Copy trading not available

Supported markets vs top competitors

We have compared the range of assets and markets supported by Halyk Finance with its competitors, making it easier for you to find the perfect fit.

	Trading.com	ZForex
Currency pairs	69	50
Total tradable assets The total tradable assets listed include all available instruments, including CFDs. Due to regional restrictions, certain CFDs may not be offered in some countries. For example, cryptocurrency CFDs are banned in the UK, and the U.S. has restrictions on CFDs.	69	80
Stocks	No	Yes
Commodity futures	No	Yes
Crypto Cryptocurrency CFDs are restricted or prohibited in certain regions due to regulatory limitations. These include the United Kingdom, China, Egypt, the United States and Canada.	No	Yes
Stock indices	No	No
Options	No	No

Investment options

We also explored the trading assets and products Halyk Finance offers for beginner traders and investors who prefer not to engage in active trading.

	Halyk Finance	Trading.com	ZForex
Bonds		No	No
ETFs		No	No
Copy trading		No	Yes
PAMM investing	No	No	No
Managed accounts	No	No	No

Trading Account Opening

Score:

10 /10

We successfully registered an account with Halyk Finance in 8 minutes. The KYC verification was completed within 1 business day. The minimum deposit amount at Halyk Finance is $10.

This is one of the most accessible and hassle-free onboarding procedures on the market.

Fully online account opening process
Quick KYC verification (1 business day or less)
Low minimum deposit requirement

Account setup process may feel less convenient for beginners

Halyk Finance account opening
	Halyk Finance	Trading.com	ZForex
Online Registration	Yes	Yes	Yes
Minimum deposit	$10	$50	$10
Mandatory KYC	Yes	Yes	Yes
Registration time (min)	8	20	8
KYC time (days)	1	2	1

Is Halyk Finance available in my country?

If you are a citizen of United States, the broker accepts clients from your country.

Please note that availability may vary due to regulatory requirements, so we recommend confirming directly with the broker for the most accurate and up-to-date information.

Account opening details

You can open an account with Halyk Finance only in the mobile app. The link to download it is in the Brokerage Services (Брокерлік қызмет) section.
Follow the below instructions upon installation of the app:
- Click the “Become a client” (Клиент болыңыз) button on the left of the screen and confirm the start of registration..
- Provide your phone number..
- Provide your personal identification number..

Next, provide the data requested by the system and upload the required documents. Your bank account with HomeBank and brokerage account with Halyk Finance are opened upon verification of the provided information. If you are an active client of HomeBank, you don’t need to re-register. You are only required to confirm the opening of the brokerage account in the mobile app.

Customer Support

Score:

5.5 /10

Customer support at Halyk Finance is available, but response speed and service quality may vary. Some requests are handled efficiently, while others may require follow-ups.

During testing, response times were moderate, and communication depended on the complexity of the request. Halyk Finance provides basic support functionality but does not stand out in overall service performance.

Information

If Halyk Finance clients have relevant questions, they can contact the company from 9:00 to 18:00 (Almaty Time) Monday through Friday.

Support is available on WhatsApp
Service is provided in Kazakh and Russian

No live chat
The company doesn’t work on weekends and public holidays in Kazakhstan

To communicate with Halyk Finance representatives, traders can use:

Telephone numbers available for Almaty and Astana;
Email;
WhatsApp.

For personal communication with the company’s representative, visit the offices in Astana or Almaty.

Contacts
Registration address	Halyk Finance АҚ., Abay Ave. 109 “В”, 5th floor, A05A1B9, Almaty, Kazakhstan
Regulation	National Bank of Kazakhstan
Official site	https://halykfinance.kz/
Contacts	halykfinance@halykfinance.kz +7 727 339 43 77

Best Halyk Finance Alternatives

Trading.com USA

8.8 /10

Regulation Tier-1

EUR/USD 0.9 pips

zForex

7.9 /10

Regulation Not regulated

EUR/USD 0.1 pips

Plus500

7.5 /10

Regulation Tier-1

EUR/USD 0.5 pips

OANDA

6.9 /10

Regulation Tier-1

EUR/USD 0.1 pips

FOREX.com

6.8 /10

Regulation Tier-1

EUR/USD 0.7 pips

FAQs

How competitive are Halyk Finance commissions and fees for forex trading?

Halyk Finance has been assessed as having medium overall fees, with low forex trading fees, tight EUR/USD spreads, and no deposit, withdrawal, or inactivity fees. On Standard accounts, EUR/USD spreads typically range from 0.8 to 1.4 pips and GBP/USD from 0.8 to 1.5 pips, while ECN/RAW accounts show average spreads of 0.10 pips on EUR/USD and GBP/USD with a $4.00 commission per lot.

What account types does Halyk Finance offer and what are their main limitations?

Halyk Finance provides Standard and ECN/Raw spread accounts, with a universal "Brokerlik shot" account intended for trading securities and derivatives and accounts typically opened within 1–3 business days for individuals. However, there is no demo, cent, micro, swap-free, VIP, or managed account option, and micro lots are not available, so trading is only possible with real funds.

What do user reviews and feedback say about Halyk Finance?

Halyk Finance has a user satisfaction score of 4/10 based on a single review, which is rated 2 stars out of 5. According to user reviews, the overall tone of feedback is mostly negative.

What deposit and withdrawal options and limits does Halyk Finance support?

Halyk Finance supports deposits and withdrawals via bank cards and bank wire transfers, with no deposit or withdrawal fees and a low minimum withdrawal requirement, but it does not support Wise, PayPal, or BTC payments. The broker uses KZT as the base account currency, and the stated minimum deposit is $10 while the minimum withdrawal is $1, though these amounts may vary by account type and payment method.

What markets and instruments are available at Halyk Finance, according to reviews?

The review notes that Halyk Finance offers multiple markets but indicates a limited overall selection of trading assets, with the platform listed as supporting 0 assets in total. It also specifies that crypto trading, copy trading, PAMM investing, and managed accounts are not available.