Can foreigners use Kakaobank?
Kaspi is a dominant digital ecosystem in Kazakhstan, and while foreigners can download and use the app, unlocking the full range of banking features—such as opening a bank account, applying for loans, or using the Kaspi Gold debit card—requires residency. To access these financial products, a foreigner must obtain a local individual identification number (IIN) and have a valid residency permit. Once registered as a resident, the app becomes a central hub for managing personal finance, payments, and online shopping. Tourists or individuals without a residency permit can typically only use the app's basic, non-financial features, such as checking information or using the map, but the core banking functionalities remain restricted to those who are formally registered within the country's national administrative system.
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