"Topical Questions about the ENPF"

       Please provide more details about voluntary pension contributions.

   The funded pension system in Kazakhstan includes the following types of contributions: mandatory contributions (10% of the employee's salary, deducted monthly by the employer), mandatory professional pension contributions (5% of the income of workers in hazardous and dangerous occupations, paid by the employer from their own budget), and mandatory employer pension contributions (MPEC) starting in 2024 for all employees born in 1975 and later (from 1.5% in 2024, gradually increasing to 5% in 2028). There are also voluntary pension contributions (VPC), which can be made by both individuals and legal entities. Individuals contribute for themselves and/or their loved ones from their own income, while legal entities contribute for their employees and/or third parties. It's worth noting that individuals pay voluntary pension contributions (VPC) on their own initiative, independently determining the amount and frequency of contributions. This is one of the advantages of this type of contribution.

Please tell me how I can make voluntary pension contributions? Can my employer do this?

Voluntary pension contributions (VPC) can be made by both individuals and legal entities. Individuals contribute for themselves and/or their loved ones from their own income, while legal entities contribute for their employees and/or third parties.

Voluntary pension contributions can be made through second-tier banks or by submitting an application to the employer, upon which they will transfer the contributions to the UAPF for the benefit of the person making the application.

An individual pension account for VPC is opened automatically without an application based on:

- lists of individuals submitted by agents to the ENPF when transferring VPC;

- an initial contribution received by the ENPF from an individual for their own benefit or for the benefit of a third party when transferring VPC.

How and when can I start receiving payments through voluntary pension contributions?

Pension payments through VPC can be started before reaching retirement age – starting at age 50. They are also provided to individuals with disabilities, as well as foreigners and stateless persons who have permanently moved outside the Republic of Kazakhstan, unless otherwise provided by the laws of the Republic of Kazakhstan and international treaties ratified by the Republic of Kazakhstan.

We remind you that individuals who have reached the age of fifty or who have a disability can apply to the ENPF to receive payments through the VPC in their personal account on the ENPF website or mobile app, as well as at the Fund's office.

Detailed information on the procedure for receiving payments through the VPC can be found on the ENPF website in the "Services"/"VPC Payments" section.

You can easily monitor your pension savings from all types of contributions 24/7 in your personal account on the enpf.kz website.

When are pension payments from voluntary pension contributions assigned automatically?

In accordance with amendments to the Social Code of the Republic of Kazakhstan, which provide for pension payments from the VPC in the manner and under the conditions specified in the VPC pension agreement and the UAPF pension rules, a no-application procedure for pension payments from the VPC has been introduced since March 2026 for individuals who have reached retirement age and who have pension savings in the UAPF through the VPC, but who have not previously applied to the UAPF for payment due to reaching the age of fifty or due to disability.

The no-application procedure for pension payments from the VPC (if any) provides for:

Automatic assignment of pension payments by the UAPF through the VPC upon application to the State Corporation in the prescribed manner for a pension from the state budget and payments from mandatory pension contributions (MPC) and/or mandatory professional pension contributions (MPPC) in connection with reaching retirement age;
Payments from the VDP are made as part of a proactive service based on the results of an annual reconciliation with the State Corporation to determine whether the specified individuals have old-age pension payments and/or state basic pension payments assigned from budgetary funds in the information system of the authorized body in the field of social protection.

The application-free procedure was adopted to establish a unified approach to pension payments from the UAPF for individuals who have reached retirement age. This innovation optimizes pension payments from the VDP and eliminates the risk of unclaimed pension savings from the VDP by individuals who have reached the generally established retirement age and who have not previously applied to the UAPF for payment due to reaching the age of fifty or disability.

Pension payments from the VDP will be made in a lump sum if the amount of pension savings from the VDP does not exceed twelve times the amount of the pension fund.

Source : https://www.gov.kz/memleket/entities/abay-kurchatov/press/news/details/1210335?lang=kk