From January 10, 2027, banks will no longer be able to write off all the money from citizens' cards to pay off debts
The Central Bank has established new rules: during the automatic debiting of credit debt or guarantee debts, an amount of at least half the minimum wage must be preserved across all of the client's card accounts.
Starting January 10, 2027, banks will no longer be able to fully deduct money from citizens' cards to pay off debts
The resolution of the Central Bank board was registered by the Ministry of Justice on October 9, 2026, under number 3030-13 and will take effect on January 10, 2027. This document amends clause 35-1 of the regulation on minimum requirements for commercial banks when interacting with consumers of banking services.
Under the new rules, when deducting funds under loan agreements or guarantee agreements without a client's instruction, the bank is obliged to leave an inviolable balance of at least 0.5 minimum monthly wage on the citizen's accounts. Currently, this is approximately 680 thousand sums.
The established threshold applies to funds across all card accounts of the client, rather than to each card separately. Full deduction of money from an account will now be considered illegal.
Banks have been given three months to bring their automated systems and billing software into compliance with the new requirements.