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Information on certain aspects of IAPF Printable version

Last update: 15.09.2021

How can one get a statement on availability of account in IAPF online?

To get a statement on availability of an individual pension account (IPA), one needs to open an IAPF JSC website (www.enpf.kz) and go to Personal Account at the “Online Services” section using digital signature or login and password. Then, by clicking “Obtainment of statement on availability of IPA” in “Services” section, a statement will be generated. A QR-code in the upper corner of the generated statement contains a link to an electronic copy of document certified by a digital signature of an authorized IAPF employee. Note that the link is available within 1 (one) month from the date of a document issue.

Can one inherit pension savings of parents in case of death of one of the parents?

Pursuant to Articles 31, 32, 33 of the Law of the Republic of Kazakhstan “On Pension Provision in the Republic of Kazakhstan” (hereinafter: the Law) in case of death of a person who has pension savings generated from mandatory, mandatory professional and voluntary pension contributions, those savings are inherited under the procedure established by the legislation of the Republic of Kazakhstan.

Inheritance of pension savings is performed through a will or by law. Pursuant to the   Civil Code of the Republic of Kazakhstan, to get an inheritance, an heir should submit an application on acceptance of inheritance or application for issuance of certificate on the right for inheritance to a notary public at the place of inheritance opening or an authorized official. An inheritance can be accepted within six month from the date of inheritance opening, i.e. within six month from the date of an ancestor`s death.

This being stated, we recommend to contact a notary public at a place of an inheritance opening (it`s place of residence of a deceased).

For reference:

  1. Pursuant to the Law, IAPF should make pension payments to recipients under the procedure established by the Government of the Republic of Kazakhstan. The procedure as well as the list of required documents are established by the Rules for making pension payments, one-time pension payments for housing improvement and (or) payment for medical treatment accumulated trough mandatory pension contributions, mandatory professional contributions out of Integrated Accumulative Pension Fund, refund to IAPF approved by the Decree of Government of the Republic of Kazakhstan.
  2. Pursuant to the Law, in case of a recipient`s death or death of an individual having pension savings at IAPF, who hasn`t reached a retirement age pursuant to Clauses  1-3 of Article 11 of the Law, a family or an individual who performed a burial receive a one-time payment for burial within the limits of the amount of the 52.4-fold monthly calculation index established for the corresponding financial year by the law on the republican budget, but not more than the funds available on the individual pension account.
  3. The list of required documents, rules for their execution as well as addresses of IAPF regional branches are published on the IAPF website (www.enpf.kz).

If you have documents stated in Clauses 15 or 17 of the Rules, please contact IAPF.

How citizens registered as individual entrepreneurs can make pension contributions?

Pursuant to Article 25 of the Law of the Republic of Kazakhstan “On Pension Provision in the Republic of Kazakhstan” (hereinafter: the Law), mandatory pension contributions for individuals having private practices, individual entrepreneurs as well as individuals obtaining income from civil law contracts the subject of which is performance of work (delivery of services), except for cases stipulated for by Subclause 5) of Clause 2, Article 24 of the Law are established in the amount of 10% from income but no less than 10 percent from minimum salary and not higher than 10 percent from 50-fold minimum salary established for the corresponding financial year by the law on the republican budget. 

Earned income is an income determined by an individual having a private practice as well as by an individual entrepreneur for calculation of mandatory pension contributions to IAPF.  In case if there is no income, individuals having private practices as well as individual entrepreneurs have a right to make mandatory pension contributions to IAPF     at a rate of 10 percent from minimum salary established for the corresponding financial year by the law on the republican budget. 

Pursuant to Clause 8 of the Rules and terms for calculation, deduction (calculation) and transfer of mandatory pension contributions, mandatory professional pension contributions to the Integrated Accumulative Pension Fund  approved by the Decree of Government of the Republic of Kazakhstan as of October 18, 2013 No. 1116, transfer of mandatory pension contributions is performed by an agent through cashless transactions. Attorneys, private court bailiffs, private-sector notaries, professional mediators, individual entrepreneurs, and also individuals obtaining income from civil law contracts and not having accounts in second-tier banks and organizations performing certain types of bank operations, make mandatory pension contributions in cash at second-tier banks for their subsequent transfer to IAPF.  Making of mandatory pension contributions in cash or via cashless transfer at second-tier banks is performed under the procedure established by the Law of the Republic of Kazakhstan “On Payments and Payment Systems”.

Length of employment was calculated wrong. How to reassess a pension?

Since 1998, a mixed pension scheme has been operating in the Republic of Kazakhstan: state pension consisting of basic and joint pension as well as contributory pension. Perhaps in your case, it is a joint pension in which amount of pension payments is determined based on a length of employment, while a source of pension payments is a state budget replenished by contributions from working population and other contributions.  It can be obtained by citizens whose length of employment as of January 01, 1998 is no less than six months.

A fully funded pension plan involves a fixed 10% amount of mandatory pension contributions from monthly income for Kazakhstani citizens, foreigners and stateless individuals permanently residing in Kazakhstan and 5% amount of mandatory professional pension contributions at an employer`s expense from an employee`s monthly income as well as employees whose professions are stipulated by the list of productions, works and professions approved by the Government of the Republic of Kazakhstan.  

To get more detailed information on your request, please contact Labour, Social Protection and Migration Committee under Ministry of Labour and Social Protection of Population of the Republic of Kazakhstan.

Can citizens of Russia temporary working in Kazakhstan make voluntary pension contributions and how to do this?

Yes. Pursuant to Article 3 of Agreement on Pension Coverage of Employees of the Eurasian Economic Union Member States as of December 20, 2019, pension rights of employees of the EEU member states are established on the conditions and under the procedure same to a state of employment. 

According to Article 1 of the Agreement, voluntary pension contributions to IAPF are deemed as pension contributions in the Republic of Kazakhstan.

It should be reminded that from May 1, 2021, grounding for opening of an individual pension account is a first voluntary pension contribution made to IAPF. An amount and frequency of voluntary pension contributions are determined by a contributor himself/herself.

Identification of an individual for whom a voluntary pension contribution is made will be performed based on personal data (full name, IIN, date of birth) indicated in an electronic transfer order, while such data as details of an ID document, place of permanent residence, etc. will be obtained from relevant information systems of government agencies.

Transfer of voluntary pension contributions to IAPF can be made via second-tier banks or Kazpost JSC. Certain second-tier banks provide a capability to transfer the contributions online (via a mobile app or self-service terminals).

For your reference, on IAPF website (www.enpf.kz/ru/services/depositors/ipa/vpc.php) you can familiarize with the detailed information.

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