Kazakhstan’s Agency for Regulation and Development of the Financial Market outlined how the “Stop-credit” service allows individuals to voluntarily prohibit the issuance of bank loans and microcredits in their name via the eGov portal and the eGov Mobile app as an anti-fraud measure. Once activated, a refusal flag appears in the person’s credit history, which is visible to banks and microfinance organisations that access credit bureaus, and lenders are expected to refuse new credit applications; any loan issued without the borrower’s consent despite the active ban is subject to write-off. The authority said the service can be enabled through a user’s egov.kz personal account (by completing an electronic form and signing with an electronic digital signature) or via eGov Mobile (with electronic confirmation), and it can be switched off at any time. The restriction does not apply to pawnshops and other organisations that do not use credit bureaus for borrower checks. As of 16 March 2026, 5.1 million citizens had used the Stop-credit service.
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan 2026-03-31
Kazakhstan’s Agency for Regulation and Development of the Financial Market reports 5.1 million users of the Stop-credit loan self-exclusion service
The Agency for Regulation and Development of the Financial Market of Kazakhstan detailed the “Stop-credit” service, which allows individuals to block bank loans and microcredits in their name via the eGov portal and eGov Mobile, creating a refusal flag in their credit history that should lead lenders to reject new applications, with any loan issued in breach subject to write-off; the restriction excludes pawnshops and other entities that do not use credit bureaus, and as of 16 March 2026, 5.1 million citizens had activated it.