EX-23.1

Exhibit 23.1

Deloitte LLP

36 Al Farabi Avenue

Almaty, 050059

Republic of Kazakhstan

Tel.: +7 (727) 258 13 40

Fax: +7 (727) 258 13 41

deloitte.kz

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the use in this Registration Statement on Form F-1 of our report dated September 11, 2023, relating to the financial statements of Joint Stock Company Kaspi.kz. We also consent to the reference to us under the heading “Experts” in such Registration Statement.

/s/ Deloitte LLP

Almaty, Kazakhstan

December 28, 2023

Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms, and their related entities (collectively, the “Deloitte organization”). DTTL (also referred to as “Deloitte Global”) and each of its member firms and related entities are legally separate and independent entities, which cannot obligate or bind each other in respect of third parties. DTTL and each DTTL member firm and related entity is liable only for its own acts and omissions, and not those of each other. DTTL does not provide services to clients. Please see www.deloitte.com/about to learn more.