Useful Apps for Saving: Cashback, Budget Tracking and Discounts in Kazakhstan

Want to get 2–8% back on every purchase, know exactly where your money goes and never miss a good deal? In Kazakhstan this is easy — with 5–7 apps on your phone. We have collected the most effective options for 2026 that already help thousands of Kazakhstanis save from 5,000 to 30,000 tenge every month.

Prices in Kazakhstan continue to rise, while salaries don’t always keep up. Saving apps automatically return 1–8% on every purchase, show you an accurate picture of expenses by category and help you catch promotions and promo codes before you pay. Most of these apps are free, fully support tenge and withdraw money directly to your card or bank account. In 2026 this is no longer a luxury but a necessity for smart personal finance management.

The state Salyq cashback in the Amian app is the simplest and most reliable option for residents of Kazakhstan. Since 2025 the programme has been extended for the whole of 2026: you get 2% of the purchase amount by scanning a fiscal receipt. How to use it: download Amian from the App Store or Google Play, register with your IIN, ask for a fiscal receipt on any purchase and scan the barcode — money is credited automatically. The programme is expanding to more regions, including Almaty, Astana, Semey, Konaev and other cities. Limit — up to 20,000 tenge per month. Perfect for groceries, household chemicals and small everyday expenses.

Bank super apps are another powerful source of cashback. Kaspi.kz remains number one in the country: bonuses are credited for purchases in the Kaspi Store, with partners and during promotions. After the 2025 updates, universal cashback was reduced, but within the ecosystem (QR payments, instalments, store) you can still get up to 15% during promotional periods. Bank RBK with the SARQYT programme gives up to 8% in real money — connected in the My RBK app, one of the most generous options without strict conditions. Freedom Bank, Bereke and Halyk also offer high percentages in selected categories and with partners — compare conditions in the bank app before opening a card.

Online cashback through LetyShops and Bonusway.kz is for shopping on AliExpress, Wildberries, Lamoda, Booking and thousands of other stores. LetyShops is a reliable international service that works fully in Kazakhstan, with cashback up to 10–30% in some categories. Bonusway.kz is a Kazakh service with a convenient app, promo codes and a discounts section. Tip: always go to the store through the app or extension of the cashback service before buying, otherwise cashback will not be credited.

The best options that Kazakhstanis actually use in 2026:

Monefy — very simple interface and clear expense graphs by category. Downside — less automation, most expenses need to be entered manually. Ideal for beginners who are just starting to track their budget.

Zen-Mani — auto-import of transactions from SMS and bank apps, smart expense categories. Premium features are paid, but the free version is enough for basic tracking. Best choice for those who want minimal manual work.

CoinKeeper — beautiful virtual “wallets” and family sharing. Several users can manage a shared budget, which is convenient for families.

Money Manager and Moneon — support many currencies including tenge, offer detailed reports and category limits.

All apps are free in the basic version. We recommend starting with Monefy or Zen-Mani: after just one week you will see where your money is leaking. For setup, connect SMS notifications from your bank or manually add large expenses. After 2–3 months you will get accurate reports like “Groceries — 45%, Transport — 20%”.

Chocolife.me — Kazakhstan’s main coupon service. Discounts up to 90% in restaurants, spas, entertainment and fitness clubs. There is a separate mobile app for iOS and Android.

Promokodus.com and Picodi.com/kz — fresh promo codes for thousands of stores, including Kaspi, Wildberries, Yandex Go and other popular services.

CartaMe — a single bonus card for dozens of chains in Kazakhstan. Connect it once in the app and get discounts at Magnum, Marwin, Meloman, pharmacies and hundreds of other outlets.

Apps of specific stores — SMALL.KZ, Magnum Club and others — offer personal coupons, loyalty points and closed promotions for card holders.

1. Install three core apps: Amian for scanning receipts, one bank app with good cashback and LetyShops or Bonusway for online shopping.
2. Before any purchase, check for promo codes on Promokodus or Picodi.
3. For online purchases, always go to the store through a cashback service.
4. In the supermarket, scan the fiscal receipt in Amian and show your CartaMe card at the checkout.
5. Track your budget for at least two weeks in Monefy or Zen-Mani to see the real picture of expenses.
6. Pay with the bank card that gives the highest cashback in the needed category.
7. Once a month withdraw the accumulated cashback and analyse the expense report.

If you want maximum passive cashback — install Amian plus a bank with a high percentage (RBK SARQYT or Freedom).
If you shop online a lot — be sure to install LetyShops and Bonusway.
If you need to control the family budget — CoinKeeper or Zen-Mani with shared access.
If you are looking for local discounts in Almaty and Astana — Chocolife and CartaMe will be the most useful.

A combination of four to five apps gives the best results.

• Not scanning the fiscal receipt in Amian — you lose the guaranteed 2% from Salyq.
• Buying online without going through a cashback service — cashback simply won’t be credited.
• Not updating apps — promotions and conditions change every month.
• Withdrawing cashback in very small amounts — many services have minimum withdrawal thresholds.
• Ignoring push notifications about personal promotions in Kaspi and stores.

With average monthly family spending of 300–400 thousand tenge:
- Amian with state cashback + bank cashback = 6,000–15,000 tenge per month.
- Online cashback through LetyShops and Bonusway = 3,000–8,000 tenge.
- Discounts via promo codes and CartaMe = 4,000–10,000 tenge.
- Total: 15,000–30,000 tenge per month — a realistic figure for active users of all the tools.

1. Official announcements from the Committee of State Revenues and the Amian app — extension of Salyq cashback for 2026, 2% crediting mechanism.
2. LetyShops.com/kz and Bonusway.kz websites — current cashback conditions for users in Kazakhstan.
3. Analytical reviews from Ranking.kz and Tengrinews — loyalty programmes of Bank RBK SARQYT, Freedom Bank, Kaspi (February 2026).
4. App descriptions in Google Play and the App Store — Monefy, Zen-Mani, CoinKeeper, Chocolife.
5. Promokodus.com/kz, Picodi.com/kz and Chocolife.me — current promo services and coupon programmes.
6. User reviews and guides on Kazakhstani resources: Home.kz, Kapital.kz.

All data was checked at the time of writing (May 2026). Bank programme rules and promotion conditions may change — always verify information in the apps themselves before use.