Checked on release 3.0.74.2 "Accounting for Kazakhstan" (version 3.0).
You sent the salary for the month in one statement to the bank. The next day, the statement arrives: for most employees, the money has been sent, but for one — a return with the wording "recipient's account not found." You verify the amount — everything is correct, 408,975 ₸. So, the issue is not with the money, but with the details: the employee's bank account number is entered incorrectly. You need to open not the statement, but the directory "CardAccounts" — this is where the IBAN that was sent to the bank is located.
1. Purpose
The directory "CardAccounts" stores employee accounts (card accounts) within payroll projects. Each entry is a combination of "employee + payroll project + bank account number (IBAN)." These records are automatically used to fill out statements for transferring salaries to cards and exchange files with the bank.
2. Where to find
There is no direct item "CardAccounts" in the menu — the directory opens through the payroll project and exchange documents with the bank:
- Section "Salary" → "Directories and Settings" → "Payroll Projects" → open project → command "Employee Accounts".
- Or from the document "Application for Opening Employee Accounts" and the bank's response file — entries are created there.
To open the list directly, use the navigation link. Main menu → "Service" → "Go to Navigation Link", insert:
e1cib/list/Directory.CardAccounts
2a. How to know your release
Main menu (triangle icon at the top left) → "Help" → "About the Program". In the opened window, you can see the platform version ("1C:Enterprise 8.3…") and the configuration release ("Accounting for Kazakhstan, version 3.0 (3.0.74.2)"). The instructions below are specifically for 3.0.74.2; in other releases, the names of commands may differ slightly.
3. How to fill
Usually, entries are created not manually, but by uploading the bank's response. However, you need to know each field — to correct the faulty account.
| Field | Purpose and what happens in case of error |
|---|---|
| Payroll Project (owner) — MANDATORY | Links the account to the contract with a specific bank. If the wrong project is selected, the statement for this bank will not see the account — the employee will be excluded from the payment. |
| Individual (employee) — MANDATORY | Determines whose salary is to be transferred to this account. An empty field — the program will not allow you to save the entry. If the wrong person is indicated — the money will go to someone else. |
| Account Number (IBAN) — MANDATORY | This is the detail that goes to the bank. In Kazakhstan, IBAN consists of 20 characters: KZ + 18 digits. An extra space, a letter instead of a digit, or a short number → payment return with the wording "account not found." |
| Date of Opening | From this date, the account is considered active and appears in statements. If the date is later than the calculation month, the employee will not appear in the statement. |
| Date of Closing / Status | Filled in when the account is closed (employee is dismissed, changed bank). A closed account will no longer be included in new statements but remains in history. Not closing the old account when changing cards risks sending money to an outdated IBAN. |
| Currency | Tenge (₸) for the standard payroll project. Other currencies — only for foreign currency accounts, the bank will reject such a payment for a tenge project. |
Procedure for manual entry:
- Open the payroll project → "Employee Accounts" → "Create".
- Select the employee.
- Enter the account number exactly as in the bank's statement (check the length — 20 characters).
- Set the opening date.
- Save and close.
4. Analyzed Example with Entries
Employee Akhmetov, salary 500,000 ₸ for September 2026. We calculate "net" according to the RK norms for 2026:
| Indicator | Calculation | Amount, ₸ |
|---|---|---|
| Accrued (salary) | — | 500,000 |
| OPV 10% | 500,000 × 10% | −50,000 |
| VOSMS 2% | 500,000 × 2% | −10,000 |
| Tax Deduction (30 MRP) | 30 × 4,325 | 129,750 |
| Taxable Income for PIT | 500,000 − 50,000 − 10,000 − 129,750 | 310,250 |
| PIT 10% | 310,250 × 10% | −31,025 |
| To be transferred to card account | 500,000 − 50,000 − 10,000 − 31,025 | 408,975 |
In the directory "CardAccounts," Akhmetov has the account KZ86 125K ZT10 0510 0100 (example). The statement for transfer to the bank takes this number and the amount of 408,975 ₸.
The directory itself does not create entries — movements are generated by the payment document. When paying the statement (document "Withdrawal from Current Account", type "Salary Transfer"):
| Debit | Credit | Amount, ₸ | Description |
|---|---|---|---|
| 3350 | 1030 | 408,975 | Salary transferred to Akhmetov's card account |
Here, 3350 is short-term payables for labor, 1030 is money in current bank accounts. If there was an incorrect IBAN in "CardAccounts," the entry would go through, and the money would be returned (Debit 1030 Credit 3350 upon return), and the debt to the employee would be restored.
5. Options for Creating Records (analog of "operation types")
The directory does not have "operation types," but the card account enters the database in three ways:
- Loading the bank's response — after sending the "Application for Opening Employee Accounts," the bank sends a file with assigned numbers; they automatically create "CardAccounts" entries.
- Manual entry — when the account is opened outside of file exchanges (a statement from the bank was brought).
- Entry when forming the statement — if the employee does not yet have an account, it can be added directly from the statement line.
6. What is formed when using
The directory is a repository of details, so it does not have "entries" or movements in registers. Data from "CardAccounts" is further used:
- Statement for transferring salary to the bank — substitutes the account number and amount for each employee.
- File exchange with the bank — export of the payment register in the bank's format (client-bank).
- Withdrawal from Current Account (based on the statement) — generates the entry Debit 3350 Credit 1030 and movements in the payroll settlement registers.
Electronic documents ESF and SNT have no relation to salary accounts — they concern the sale of goods and services (VAT 16%), not employee payments.
7. Printed Forms
The directory element does not have its own printed form. Account details are output through related documents:
- Application for Opening Employee Accounts — printed form of the list of employees for the bank.
- Statement for Transferring Salary — payment register with card account numbers.
- The list of the directory can be printed using the standard command "More" → "Print List".
8. Common Errors
"Field 'Individual' is not filled" — you are saving the account without an employee. Select an employee from the "Individuals" directory and repeat the entry.
"An element with such details already exists" — an account for this employee in this payroll project already exists. Do not create a duplicate: open the existing one and correct the number, and close the old one (if the account has changed) with a date.
The bank returned the payment "recipient's account not found" — almost always an incorrect IBAN. Check the length (20 characters, KZ + 18 digits) and absence of spaces; verify with the bank's statement.
The employee did not appear in the statement — either they do not have an active card account in the selected payroll project, or the account opening date is later than the calculation month, or the account is closed. Check these three details in "CardAccounts."
The money went to the wrong person — the wrong employee is indicated in the account. Correct the "Individual" field, and resolve the return issue with the bank separately.
9. FAQ
(questions and answers are duplicated in the faq field)
10. Related Documents
Based on what appears:
- "Application for Opening Employee Accounts" (and the bank's response file) — the main source of entries.
- Payroll project contract (directory "Payroll Projects") — account owner.
What uses the card account:
- "Statement for Transferring Salary to the Bank" — substitutes account numbers.
- "Withdrawal from Current Account" (type "Salary Transfer") — generates the payment entry.
- File exchange with the bank (client-bank) — export of the payment register.
How to know your release: Main menu → "Help" → "About the Program" — there you will find the platform version and configuration release.
Material prepared for "Accounting for Kazakhstan," version 3.0, release 3.0.74.2. In other releases, some command names may differ.