Imagine sending money to a friend for their birthday, or helping out a family member who is in trouble, and suddenly, your account is on the radar of the Administration. This is the concern that many citizens in Kazakhstan feel after the implementation of new tax regulations for mobile transfers in 2025. But should you really be worried? Let us clarify everything so that you can get rid of any doubts!
Are all transfers going to be reviewed?
It is true that transfers will be reviewed, but be careful, not all of them, so we will explain it clearly: the transfers that will be under scrutiny have a clear pattern: if you receive money from more than 100 different people in a period of less than three months, you could be subject to a “camera control.” This does not mean that all transfers are taxed, but rather that the aim is to identify undeclared commercial activities.
Now, if you are worried that sending or receiving money between friends or family will get you into trouble, you can rest easy. Personal transfers are not on the taxman’s radar. The focus is on those who operate informal businesses and avoid filing taxes.
So, which transfers are exempt?
If you are not a business owner (i.e. if you do not have a limited liability partnership [LLP] registered in your name) you can continue to transfer money to family and friends without any problem because you will not have to pay taxes. Similarly, there are several exempt points:
If you organize collections to cover medical expenses or charitable causes, these transfers will not be monitored.
Money sent to help a friend, a birthday present or a family contribution will also not be a cause for concern.
Will there be limits on personal transfers?
The government is considering setting monthly or quarterly limits on non-business transfers, but the details are still unclear so, for now, no. The idea is to prevent some users from taking advantage of the system for business purposes without declaring taxes.
Can this affect me?
If you use mobile transfers to pay debts, or send gifts, you can breathe easy! However, if you use your personal account to run a business without declaring it… it’s time to regularize your situation. These rules are not just a challenge, take advantage of this opportunity to formalize your economic activity!! Even these measures may seem strict, they also open the door to a more organized and fairer system for everyone.