National Fund for Children 2026: How Much Kids Got and How to Claim
Since 2024, every child who is a citizen of Kazakhstan receives a share of the National Fund's income in a special account. Here is how much has built up so far, how to check the balance, and how to spend the money on housing or education at age 18.
Up to date as of October 2026. Rules change, so check the regulator's website before taking action.
The program accounts are run by ENPF, the Unified Accumulative Pension Fund (enpf.kz, with a dedicated section at kids.enpf.kz). The money is paid out through banks that act as authorized operators. Banks are supervised by ARDFM, the Agency for Regulation and Development of the Financial Market (finreg.kz).
How the program works
Every year, 50% of the National Fund's investment income is split equally among citizens of Kazakhstan under 18. You don't need to open an account yourself: ENPF does it automatically. The credited money keeps being invested, so the account also earns a small return. Future amounts are not known in advance: they depend on how much the fund earns.
How much has been credited
| Year | Amount per child |
|---|---|
| 2024 | $100.52 |
| 2025 | $129.38 |
| 2026 (January 31) | $130.71 |
| Total for three years | $370.56 including investment income, if the child took part in all three years |
The balance is kept in US dollars, so its value in tenge moves with the exchange rate. In 2026 the program covered 6,918,656 children born in 2008–2025, and 356,613 of them turned 18 (Ministry of Finance data, January 2026). To see how money grows when it stays invested for a long time, read compound interest explained simply.
How to check the balance
- kids.enpf.kz — enter the child's IIN (individual identification number).
- ENPF personal account or app.
- eGov.kz and eGov Mobile.
- Kaspi and Halyk apps.
Until the child turns 18, parents or legal guardians can see the account. The money can't be used before the child comes of age.
What the money can be spent on at 18
| Purpose | What's included | Operator banks |
|---|---|---|
| Housing in Kazakhstan | Buying a home, a down payment, paying off or refinancing a mortgage, building a house, a housing savings deposit | Otbasy Bank |
| Education | Tuition in Kazakhstan or abroad, an education savings deposit, insurance, paying off a student loan | Otbasy Bank, Halyk Bank, Bank CenterCredit |
You can spend all of it or just part; the rest stays in the account. If you're saving for an apartment, see our articles on the Otbasy Bank deposit and how to use pension savings for housing.
How to get the money: step by step
- Open a US dollar account in your own name at an operator bank.
- Submit an online application on the bank's website or app and sign it with your EDS (electronic digital signature).
- The bank notifies ENPF within 2 business days after approval.
- ENPF transfers the money to the account within 5 business days or explains why it was refused.
- Within 45 business days, give the bank documents proving the money goes to the approved purpose: a home purchase agreement, a contract with a university, and so on.
- The bank pays for the purpose within 10 business days. If you miss the document deadline, the money goes back to ENPF.
You have 10 years after your 18th birthday to use it. After that, the remaining balance moves to a pension account for voluntary contributions.
Taxes
According to guidance from the State Revenue Committee (SRC), these targeted savings are exempt from individual income tax when spent on housing or education. This rule has applied since 2024; check kgd.gov.kz for how it is worded in the new 2026 Tax Code.
Risks to watch for
- Fake "National Fund compensation" offers. Social networks and messengers spread links to a fake website where "anyone can get a payout." These sites collect your IIN and personal data, then drain your bank accounts. ENPF has warned that they have nothing to do with the program.
- Calls about your EDS. An automated call offers to "renew your EDS," and then the "bank security service" calls. In October 2026, a resident of the North Kazakhstan Region lost 4 million tenge this way. The certification center never calls you itself; key expiration notices come by SMS and email.
- "Helpers" offering to file for you. You submit the application yourself in your bank's app. Never share your EDS, passwords, or SMS codes with anyone.
To learn how to spot scammers in general, take the free lesson "How Not to Fall for Scammers".
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- For 2024–2026, up to $370.56 per child has built up, including investment income.
- Check the balance at kids.enpf.kz by IIN, or via eGov, Kaspi, or Halyk.
- At 18, the money can go only to housing in Kazakhstan or to education, through an operator bank.
- You have 10 years, then the remaining balance moves to a pension account.
Frequently asked questions
How do I check how much has built up under the National Fund for Children program?
Enter the child's IIN at kids.enpf.kz, or check the ENPF personal account, eGov.kz, eGov Mobile, Kaspi, or Halyk. Parents and legal guardians can see the child's account until age 18.
Can I withdraw the money in cash at 18?
No. The money can be used only for housing in Kazakhstan or for education in Kazakhstan or abroad. The operator bank transfers it to the approved purpose after checking your documents.
What happens if I don't spend the money?
You have 10 years after your 18th birthday to use it. Any unused amount moves to an individual ENPF pension account for voluntary contributions.
Why is the balance in US dollars?
The targeted savings are recorded in US dollars. That's why you open a dollar account to receive them, and the value in tenge moves with the exchange rate.
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