Freedom Finance Bank
405 reviews
September 14
I was making a map here. The nameless one was printed out at the cartomate in a couple of minutes. However, verification can only be done through the application, it is not possible in the department. The personalized plastic was made in 4 days, issued quickly. There are comfortable sofas for waiting. A good department
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1
May 1
A good call center, they quickly told me what and how, otherwise I got a little confused with the car loan. They explained everything politely. Favorable conditions. The car was registered online, there is no need to go anywhere
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1
May 5
Claim
The mutual obligations of the client and Freedom Finance Bank define the "General conditions for conducting transactions, opening, maintaining and closing bank accounts and payment cards of JSC Bank Freedom Finance Kazakhstan".
In case of a dispute, the cardholder is obliged to provide the documents necessary to resolve the dispute. If the documents are incomplete or submitted late, the Bank has the right to refuse the proceedings, and the Client is obliged not to dispute these payments in the future (paragraphs 5.3, 5.4, p. 41).
5.5. The Cardholder may submit an application for consideration of the dispute no later than 35 calendar days from the date of the Card Transaction, otherwise The completed Card Transaction is considered confirmed, and subsequent claims may be rejected by the Bank without reimbursing the Cardholder for the losses incurred. Prior to the settlement of the claim received by the Bank, the money previously debited from the Account is not restored, the deadline for consideration of applications is determined by the rules of the Ministry of Internal Affairs.
6.1. In all disputes, the Customer/cardholder submits a written application to the Bank.
6.11. In all disputes, the Cardholder submits a written request to the Bank, which, in case of acceptance of the claim, acts before the Ministry of Internal Affairs on behalf of the Cardholder. If the claim is justified, the Bank restores the amount of the transaction on the Account;
6.12. If the Cardholder's claim is justified, the Bank, based on the investigation, may cancel the relevant Card Transaction and refund the amount of the Card Transaction, if such a refund is possible. In case of a justified claim, the money is subject to restoration to the Cardholder's Account upon completion of the full settlement of the disputed transaction with other Banks and the international arbitration of the IPU;
6.14. The Holder is responsible for paying the commission for the consideration of the disputed transaction in the arbitration of the IPU. In case of an unjustified claim on the part of the Cardholder, the cost of consideration by the arbitration commission is paid in accordance with the established tariffs of the Ministry of Internal Affairs;
The practice of claim work on disputed payments in the banks of the republic is determined by a combination of the rules of payment systems and regulatory documents of credit institutions.
The Law of the Republic of Kazakhstan No. 11-VI "On Payments and Payment Systems" gives the right to foreign payment systems to establish their own rules for financial organizations that have joined them.
Therefore, the specific practice of claim work on disputed payments in the banks of the republic is determined by a combination of the rules of payment systems and regulatory documents of credit institutions.
At the same time, the rules of the Ministry of Internal Affairs have great legal force in case of contradictions with the regulations of the bank. This is confirmed by the "General conditions for conducting transactions, opening, maintaining and closing bank accounts and payment cards of JSC Bank Freedom Finance Kazakhstan", paragraphs 1.1. and 1.2, on page 27.
1.1. The rules apply to relations for the issuance and maintenance of Cards, in addition to the current legislation and in the part that does not contradict it IPU, international banking practice, policies, standards and procedures of the Bank;
1.2. In case of contradictions between the rules of the IPU and these General Conditions, the relevant rules of the IPU apply;
Thus, when considering my application, JSC "Bank Freedom Finance Kazakhstan" is primarily obliged to comply with the rules of the Ministry of Finance. In my case, it is the MasterCard payment system.
In the MasterCard Chargeback Guide document, the Cardholder Dispute Chargeback item, Page 227,
A step-by-step Digital Wallet (SDW) replenishment transaction can be refunded if the funds have not appeared in SDW. Refund rights are not available for any subsequent purchase of goods or services from SDW. SDW transactions are identified using the wallet identifier in DE 48 (Additional data — private use), sub-element 26 (Wallet program Data), subfield 1 (Wallet Identifier).
I kindly ask you, when considering my application, to take into account the following information: in my case, we are not talking about the loss of funds due to high risks according to MCC 7995, but about the non-provision of services for transferring funds to the resource by the outlets where the payment took place.
Thus, the application of paragraph 9.4. of Chapter II payment cards cannot be legitimate in connection with paragraphs 1.1. and 1.2, on page 27 "General conditions for conducting transactions, opening, maintaining and closing bank accounts and payment cards of JSC "Bank Freedom Finance Kazakhstan" ,
According to the rules of the MasterCard Worldwide international payment system, the bank may initiate the Chargeback procedure due to "the product has not been received / the service has not been rendered / rendered poorly" within a period not exceeding 120 days from the date of the transaction / the specified date of provision of services
30.04.2024 by Freedom Finance Bank with an unlawful refusal.
Since the bank violated the Law of the Republic of Kazakhstan No. 11-VI "On Payments and Payment Systems", the General Conditions for Conducting Transactions, opening, Maintaining and Closing Bank Accounts and Payment Cards of Bank Freedom Finance Kazakhstan JSC, paragraphs 1.1. and 1.2, on page 27, I ask you to voluntarily re-check, initiate a challenge procedure within the framework of the MasterCard Chargeback Guide rules.
Otherwise, I will have to re-submit the complaint against Freedom Finance Bank to the National Bank of the Republic of Kazakhstan, to the Agency of the Republic of Kazakhstan for Regulation and Supervision of the Financial Market and Financial Organizations, to MasterCard MPS, to law enforcement agencies, and in court to claim damages for losses incurred as a result of the bank's inaction and unlawful refusal to launch contesting procedures.
I ask the national bank to assist and verify the appeal 140424-000-188 due to the inaction of Freedom Finance Bank employees, oblige the issuing bank to initiate a dispute procedure for a refund.
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8
April 3
Among the advantages - there is an application and support in Russian.
Cons - not competent support, the solution of the issue is delayed for a long time.
I had to pay the invoice for the car (make a swift transfer to Armenia), before the transfer, the support clarified whether it was possible to make a transfer from this country and what documents were needed. I made the transfer and attached the documents. After a week, the transfer remains incomplete, the other party has not received the money. I'm starting to write to support, we have created a request and are being fed breakfast. As a result, the deal is on the verge of collapse. After 1.5 weeks, I was told that SWIFT transfers are not available in this direction.
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March 13
I like the format of the service and the service, there are all the amenities and a coffee shop, the location of the bank is also very convenient. I go to the bank with pleasure
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1
June 27
Twice I tried to make a swift transfer from your bank.
- firstly, the application does not work correctly: it says in the payment that it was successful, but the money remains in the account.
- secondly, nowhere in the application does it indicate that the payment needs to be coordinated in some separate support chat.
- thirdly, chats have the same names and you can easily get confused over time where to write. Just rename the chats!
- fourth, chat support is incompetent, lazy to read the message history and the documents provided (then why request them?!) He asks the same questions several times and provides different payment statuses in different chats at the same time.
We corresponded for a week and a half about the payment of 72 euros. I was constantly asked to clarify various details and in the end it turned out that the payment needed to be coordinated in another chat. Support is just a word, in fact, no one is trying to help, they write standard script unsubscriptions. They behave very arrogantly. For the second payment, they provided different statuses at the same time. They are constantly asked to wait and do not say how long. That is, the bank does not have any regulations at all to resolve issues, or employees are lazy and thus send a script.
- fifth, the payment was not made without explanation, the support does not try to help and answer the question "what needs to be done to make the payment go through."I assume that the reason is citizenship, but no one has directly confirmed it.
I sincerely wish all responsible persons and support operators to receive exactly the same quality of service that you provide, everywhere and on any issues.
I am waiting for the results of processing my complaint and answers to questions.
More than two weeks of fruitless correspondence is too much.
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1
November 18
Convenient bank, adequate staff.
Issued a debit card. Everything was done quickly! I recommend it especially to those who have accounts open in Russia (Digit Bank)
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April 29
There are large amounts of money in ff Kazakhstan's accounts, the last conversion from rubles to dollars was in mid-April, the money was credited to a dollar account. I do not use the application and do not go in to check the balance every day (apparently now it is necessary) on the same day, the bank canceled the conversion on its own in the evening and transferred a large amount from the dollar account to rubles at the purchase rate, of course, that is several times less, and not just canceled the operation, plus debited an additional $ 500 from the dollar account. I noticed only 10 days later, I immediately contacted the bank, no one can provide information in the chat at all, there are no deadlines or dates for resolving these issues, they answer indifferently. No one says anything on the phone either, where they wrote off my money, or when there will be an answer, as if this is a regular situation for them and this happens often. Initially, the deadline for resolving the issue was 3 days, all deadlines have already been reached, neither money nor an answer has yet been received.
I understand that some kind of malfunction could have occurred, but the money has not been returned!
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April 18
Extremely incompetent people work wherever I turn! Not only did they give me the wrong card, but now I can't close the card in any way ! I wrote off in the chat , asked everything 10 times ! I made a power of attorney for a friend, asked her to go to the bank , previously sent the power of attorney for approval to the bank , they said everything was fine , when the friend came to the bank, she was told that the bank no longer works with non-residents and the power of attorney is incorrect!!!! I notarized the power of attorney, gave him the money, sent it by mail, gave the money there and now they say that it is wrong!!! Now I just don't understand how I can close this bank account, they sent it to the lawyers again, they find out who is right and who is to blame, but the issue has not been resolved!!!
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7
June 13
A very good big bank. Where every day a lot of customers take out loans, invest, change currency, buy houses on credit, the staff is very polite. They work fast
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October 19
Fast, clear, convenient. The hostess solved all the questions in 5 minutes and did not have to wait for the operator
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February 17
All the tasks that were needed were completed as quickly as possible. I liked the service, they prompt and help. The only thing is difficult to park, but this is a problem for the whole city.
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1
March 26
After changing the application, it does not allow verification (the old application worked correctly and there were no complaints). The support feeds you breakfast and does not solve the problem, I constantly get boilerplate answers.
I do not advise you to be served in this bank, because the bank does everything to lose customers
upd. The same "specialists" of the support are sitting in the cart, whatsapp, insta. They do not help in solving problems in any way. I will write to other authorities to complain, because it has not been possible to solve the problem only by Freedom for 2 months now
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May 24
Never use this bank. I transferred the largest amount of money to the bank to pay for my son's studies, on May 15, without notifying their clients in advance, they canceled all swift transfers in foreign currency. Now they won't let me transfer my own money inside the country. All transfers are blocked, but I can't get a reply. I can't take the money out of the bank. The operators are completely incompetent. Don't make this mistake! Avoid this bank. The clients have no rights here. They violate all laws!
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7
October 31
The horror!
Support – can't do anything.
They do not allow you to log in without biometrics. On a reasonable request, what law allows them to do this and obliges me to provide them with data, the support stupidly hangs up.
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July 11
The best bank, gave a mortgage😁 there may not be enough ATMs and terminals in the city, although the digital mortgage system, I think, implies online payment😉
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2
August 20
I issued a card very quickly, the friendly staff helped me with all questions
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March 1
The office itself is very nice and tidy, but the work... A large queue, processing of a bunch of documents for the card, they said it would be ready in 3-5 days. As a result, on the 6th day there was no reply or greetings. I come to the bank - they say that they lost my documents and did not issue anything. So at least they would have called! I had to go to another bank in the end, where everything was done in a day
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July 26
A very careless attitude to customer money. Delays in making currency payments. An outdated online bank with a lot of holes for scammers.
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January 15
This is the worst bank I've ever come across. I do not recommend it to anyone. I tried to make a swift transfer to my account at another bank in a foreign currency. The first time the refusal was due to an incorrect when the KNP. OK, double-check everything, fill out the application again - the second time the refusal. Reason: the payment did not pass the bank's internal verification. Please state a more precise reason, the answer is in support: we cannot state the reason. A curtain. I ask you to contact a translation specialist, I get an answer: we do not provide contacts of the bank's specialists. It's just the worst nightmare, a terrible dream in reality. I am trying to solve the problem, but there is no solution and the bank employees refuse to help me, do not give reasons and they have the answer to everything: repeat the transfer again. I'm even wondering how many times I have to repeat the translation like this? 10 times, 100?
I have contacted support repeatedly, I wrote on Instagram-everything is useless.
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August 16
a great branch, clean, spacious office is on my way. Sometimes I go to the ATM and the cash register, I didn't notice the queues. The staff is attentive and polite at 10 out of 10
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August 7
Excellent bank, fast service, convenient location
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May 13
He became a client of the bank. I received a plastic card that didn't work for a minute. At any attempt to pay with a card, the bank issues a refusal "insufficient funds". The bank has been solving the problem since March 23rd!!! Today is May 13th. I call the bank periodically. Employees are surprised every time that the problem has been solved for so long, they promise to transfer the issue to the management, but then nothing happens. Application No. 230324-000-172.
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January 12
Over the past month, I've just run into a lot of problems.
1) Technical support is zero. Any appeal is a bunch of internal procedures and the forwarding of some general information, without specifics. Example: "I wanted to make a ruble SWIFT in Tinkoff Bank, as I did earlier, it does not work. I asked the support why? They replied that the bank's policy has been in effect since October. I asked to provide a complete list of banks with whom they do not work. They don't give it. They say search the Internet." And there are a lot of such things. Whatever I write leads to the fact that they "apply" and go into the fog.
2) If you make a SWIFT transfer, the funds will not be credited back to the account immediately, they will hang until you write to the TP again and "make a request". I've had it 2 times.
3) The schedule for processing SWIFT transfers is 4 hours a day on working days, my respect!!! Such an ancient service, there are simply no words
4) There is a transfer service by phone number to Digit Bank, but it does not work for Investment cards. I found out about it by accident, after talking to TP. There is no such information anywhere!!!
5) Well, the classics of Kazakhstani banking - one employee contradicts another. Because of this nonsense, I have not been able to access funds properly for more than 20 days
6) The new app is just ATAS!!!!
I am extremely disappointed, the bank has slipped in my eyes in a couple of weeks
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May 19
An extremely strange approach to foreigners. Do you fill out a detailed form right at the department, send it and get rejected for unknown reasons!? And this is at a cost of 30000tg. Why not just honestly state that we work with Russian citizens only through Russian intermediary firms?
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March 4
Online services are getting worse and worse every month. They changed the application - they didn't tell me. They disabled the login to the online account on the site, leaving only the mobile version (incomplete). completed transfers are not transferred and are not reported on an outstanding operation. It is impossible to get an online statement. The service is constantly getting an error. In return, the operator offered to fill out an application and receive it for a fee (!). The deposit conditions were unilaterally changed. I really regretted that at one time I believed in the most digital bank.
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5
March 29
Good afternoon!
An unexpected call from the bank about the debt on the loan, led to confusion. As ( . The amount was repaid in October 2022 with a receipt in hand - repayment of the loan. The representative of the bank simply credited the money to the current account, from which the money was debited monthly as the main debt and interest of the bank. As a result, there was a debt to the bank. It was done deliberately or the cashier's mistake(. The bank's reputation is falling.
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5
February 28
A great bank. Quickly serves customers, promptly solves all issues. They helped a lot in a number of areas where other banks were powerless. I'm glad I turned to them!
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September 18
I was looking for a bank for a mortgage with good conditions, I chose a Free Bank, because the interest is relatively low, the overpayment is small, and the convenience of registration. I recommend it!
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September 7
Nice clean office, thanks for the help and also to the consultant Milana
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May 9
I liked the car loan online service, for me it is much more convenient than going to the bank👍 I have already taken the car, everything is super. Thanks!
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May 10
Favorable conditions for mortgage lending. The polite guys at the call center are working. I liked the service and conditions
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February 23
Being often on business trips outside Kazakhstan, I issued a multicurrency card to Freedom Bank. Very convenient! I also advise those who often buy in foreign stores.
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2
March 21
The bank is in a convenient location for people, a central place to visit and the service is also good. 👍
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October 20, 2023
Freedom bank. there were 5 cash receipts from the Russian Federation... I found out that the money was received by accident. from complaints of customers who demanded goods. I applied to the bank and was told that this is classified information and we never inform customers about the receipt. (scammers). then they demanded to provide a bunch of certificates and documents about the product, the client and so on. I provided everything to them and only then confirmed that the money was received but will not be credited to the account because the foreign trade codes are sanctioned. then I sent a damn money, to which they replied that they would not return it. 30 days have passed, of which 15 were asked to be credited to the account and another 15 days were asked to be returned back to the senders. the bank tries to use other people's money without their knowledge and ignores customer requests under any pretexts. when I asked for a list of sanctions codes, they sent me the entire list of HS. Well, aren't they scammers? I ask you to take measures and revoke the bank's license.
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3
March 21
To be honest, I like modern digital companies. I think this bank is exactly like that. I am writing now after I have issued a car loan, without a single trip to the branch. Maybe it's because I'm already a customer. But so far I'm happy.
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1
March 13
There is a complete lack of support, or rather it is in the form of a chat in Whatsapp, but all questions are answered either by unsubscribing or by some general suggestions, all information needs to be extracted by asking a huge number of questions. The desire to help and understand your situation is "0". If something happens, there is no hope for support and help.
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5
August 8
Terrible support. The reissue of the card resulted in days of negotiations with technical support and endless promises
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1
February 14, 2023
Excellent bank, excellent staff. Everyone is always friendly and ready to help. The department is always bright and clean. There is a small cafe and a restroom for customers.
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3
March 16
I like this bank. I want it to flourish in Kazakhstan! It gives the residents of the country the opportunity to think about their future, how to accumulate their money by buying stocks and bonds. The banking service itself also suits me!
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November 20
It's bad that the cards are not issued immediately, and after a few days and through a courier, and if there is no permanent address, that one is not
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March 22
I wish good luck to all entrepreneurs who want to get money for development, expansion, etc. I got a loan for my business from this bank. The process of approving the application and obtaining a loan took about a day. I can't help but be pleased.
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November 11
The consultant is pleasant, he held the pen through the entire process of receiving the card.
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August 20
I took out a car loan, Freedom chose because everything online is easy to arrange, no need to go to the office and the loan conditions are good, support quickly helped when I wanted to clarify something
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1
March 4
This is not the first time I have taken it here and I present both installments and good conditions. It always works, all without interruption. Good operators. Thanks a lot
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1
October 5, 2023
Strange guys
Upd:
The bank wrote to me that they are trying to create a friendly atmosphere. :)
So, what is the friendly atmosphere:
You come to the bank with a question - you are immediately sent to a website like go read and write there.
After the application failed on the site, the employees responded in about the same way, like do and read everything there on the site. Any questions for us.
There is no sense from the employees, the meaning of coming to such a friendly atmosphere is not clear.
As a result, there is no sense in going to the department, there are no answers to questions.
That's why very strange guys who are not particularly trusted. :)
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December 4, 2023
We were looking for a branch to open a brokerage account, we arrived, stood in line for an hour and were told that we needed to call a specialist by phone, arrange in advance, and then drive up to the address indicated to her. We took a business card, called and the first question sounded very impressive - How many millions do you want to put into a brokerage account? 20-50-100?))) I didn't want to communicate further.
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1
November 28
The managers are great, they will always help! Everything is fast 👍🏻
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March 22
It is cozy and the service is quite fast. There is an opportunity to drink coffee while waiting for the documents.
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December 19, 2023
An interesting organization. Swift needed a translation. I wrote to the bank online, they refused. The support team said that come to the office and we will do everything! I arrived. The office looked at me and said that they do not transfer to this country and have never transferred... overweight))) Not ever. Why then mislead a person is unclear.
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