The Unified Accumulative Pension Fund (UAPF) has provided over 36 million services to the public since the beginning of the year.
The UAPF serves as the sole operator of Kazakhstan’s accumulative pension system, ensuring the reliability and transparency of pension savings. Its primary objective is to accumulate citizens' pension savings and guarantee their future disbursement. The Fund continues to develop remote services, enabling the people of Kazakhstan to carry out most essential transactions without needing to visit an office. The 24/7 availability of services—accessible via the website and mobile application—has been a key factor in increasing interest among contributors.
Between January 1, 2026, and August 31, 2026, the Fund provided 36.2 million services to the public. Of this total, 24.0 million were delivered electronically, and 11.4 million were processed automatically. Consequently, services provided through automated, electronic, or remote channels accounted for 98.6% of the total volume. Despite this high level of digitalization, the Fund’s specialists continue to provide in-person service at regional branches; 516,700 services were delivered in person, including 504,300 provided directly at the Fund’s offices.
It should be noted that all pension accounts are opened automatically within the UAPF upon receipt of the first contribution. Furthermore, "targeted requirements" (entitlements) are automatically allocated to citizens of the Republic of Kazakhstan under the age of 18, and "targeted savings accounts" are opened to track and disburse these funds to beneficiaries once they reach adulthood, as part of the "National Fund for Children" program. During the reporting period, the total number of accounts opened automatically—including Individual Pension Accounts (IPAs) for various types of individual pension contributions, Notional Pension Accounts (NPAs) for mandatory employer pension contributions (funded by the employer), and Targeted Savings Accounts (TSAs) established for the "National Fund for Children" program—exceeded 1.3 million.
The most popular service remains the provision of account statements for IPAs, NPAs, and TSAs. Since the beginning of the year, 25.0 million statements have been issued across all account types; of these, 22.4 million were provided in electronic format, with 2.3 million generated automatically. The Unified Accumulative Pension Fund (UAPF) reminds users that accessing account information via a personal online account is the most convenient, reliable, and efficient way to monitor pension savings. This service is available online 24/7, allowing users to obtain up-to-date information at any time and from anywhere in the world. Account status information can be accessed not only through the UAPF mobile app and the personal account section on the UAPF website, but also via the egov.kz portal or the e-government mobile application—offering added convenience for those who prefer to interact with government services through unified platforms. The UAPF notes that, as of 2025, the annual automatic mailing of account statements has been discontinued. Nevertheless, individuals may still receive information regarding their pension savings by mail upon submitting a formal request to the UAPF. In addition to obtaining account statements via their personal accounts on the website or through the mobile app, contributors (beneficiaries) can access a range of services. These include updating or amending their personal details, requesting certificates of account ownership, and submitting applications for pension payouts—whether due to a permanent disability (Group 1 or 2) or upon reaching the age of 50 (funded by voluntary pension contributions). Users can also track the status of their payout applications, transfer a portion of their pension savings to an Investment Portfolio Manager (IPM), and estimate their future pension using a dedicated pension calculator. During the recent period, 88,800 applications were received from contributors to transfer a portion of their pension savings to an IPM for trust management, with the vast majority submitted electronically.
The Unified Accumulative Pension Fund (UAPF) reminds the public that the unified online platform for the investment management of citizens' pension assets—invest.enpf.kz—consolidates key information about Investment Portfolio Managers (IPMs) into a single digital space, ensuring a systematic approach to the disclosure of investment-related data. The portal, available in both Kazakh and Russian, provides users with information on the pension savings system, securities, investment strategies (criteria), core concepts, and the allocation structure of pension assets. It also features financial performance metrics for each IPM, data on their compliance with regulatory requirements, and other details that help contributors build a clear picture of an IPM and its investment activities.
When reaching out to UAPF specialists for assistance, contributors typically receive additional guidance and advice on how to build their savings. As part of outreach and awareness-raising efforts, 39.7 thousand off-site presentations were conducted, attended by...
