card

Elcard

Payment cards

KGS

Currency

Free

Currency

KGS 100

Annual maintenance fee

Information

The national payment card is designated for paying for goods and services intrade and service establishments, as well as for withdrawing cash in cash points and ATMs on the territory of the Kyrgyz Republic.

Currency: KGS
Issuance: free
Annual maintenance fee: KGS 100

 

For more detailed information please call our consultants using the number of the contact center 6111, or you can receive information directly in Bakai Bank’s offices.

Payroll Project

Elcard/ VISApayroll cards considerably lessen the hassle of cash transactionscarried out by the accounting department of an organization and ensure confidentiality of salary payments.

One of the main advantages of the project is the absence of queues to receive salaries and the saved time of employees, as well asdecreasedcash collection expenses.  

Participants of the payroll project also have an opportunity to obtain an overdraft loan linked to their card (“Urgent Advance”).

Servicing conditions for payroll project cards:

  • Issuance: Free
  • Currency: KGS
  • Minimum balance: 0
  • Cash-free payments for goods and services: for free
  • An opportunity to withdraw cash with significant preferential rates in Bakai Bank OJSC and in devices of the Friendly Network partner banks.

 

For more detailed information please call our consultants, using the number of the contact center 6111 or you can receive information directly in Bakai Bank’s offices.

 

Friendly Network

A “Friendly network» is a wide network of ATMs and terminals throughout Kyrgyzstan.For the clients’ convenience banks have integrated their devices which service cards into a single network.

  • over 439 ATMs;
  • over 606 terminals.

Our cardholders can withdraw money from Elcard/VISA payment cards using the Friendly Network’s devices according to the rates of Bakai Bank OJSC.

 

The Friendly Network includes the following banks:

Bakai Bank OJSC

KICB CJSC

Aiyl Bank OJSC

Bank of Asia CJSC

Dos-KredobankOJSC

Finance Credit Bank OJSC

BTA Bank CJSC

Capital Bank OJSC

For more detailed information please call our consultants using the number of the contact center 6111 or you can receive information directly in Bakai Bank’s offices.

Loan on card

An “Urgent Advance” overdraft of Bakai Bank makes it possible to carry out payments when there are no funds on the card. 

Bakai Bank offers to use our advantageous product – an “Urgent Advance” overdraft for clients with a Bakai Bank payroll card. Holders of payroll cards issued by the Bank can use this payroll card product for an amount of up to three salaries. Additionally, Bakai Bank investors…

In practice, this looks like an overdraft of funds on the card account. The “Urgent Advance” overdraft is convenient as it can serve as backup for unplanned situations.

 

Conditions for obtaining Overdraft:

  • Be a participant of the payroll project/ or have a deposit in Bakai Bank;
  • Have work experience in the payroll project of 12 months;
  • Overdraft period: 12 months (with an option to prolong);
  • For up to 80% of the salary, you need to apply toBakai Bank 
  • An overdraft in the amount of 80% from average monthly salary and up to 3 average monthly salaries additionally requires one of the colleagues from the payroll project to serve as a guarantor.
  • Interest rate — 28% per annum

 

For more detailed information please call our consultants, using the number of the contact center 6111, or you can receive information directly in Bakai Bank’s offices.

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