Islamic Financial Center Card (IFC Card)

Islamic Financial Center Card (IFC Card)





KGS 100

Annual maintenance fee

Islamic Financial Center Card (IFC Card)

This product corresponds to Islamic Finance Principles, and it has also been agreed with and approved by the Sharia Council of the Bank. Islamic Financial Center Cardholders can now use this great opportunity to pay for their purchases, transfer money and perform other transactions within the frameworks stipulated by Islamic banking principles.

No interest is accrued on the cash balances remaining on IFC cards. The Bank does not perform any kinds of transactions with cash balances, remaining on cards, that contradict Islam’s Sharia principles.

No interest rate is charged for replenishing cash funds on the IFC Elcards, replenishment in Bakai Bank’s cashier’s offices is free.

System limitations for the IFC Elcard payment card, at the program level, purchases are blocked for specialized establishments, such as:

∙           alcohol and tobacco stores;

∙           amusement and entertainment facilities, betting offices;

∙           websites with inappropriate content.

The Bank bears no responsibility for incorrect registration in payment systems of stores that carry out their activities in a field or area different from their main field of operation.


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


Aiyl Bank OJSC

Bank of Asia CJSC

Dos-Kredobank OJSC

Finance Credit Bank OJSC


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.


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Foreign Exchange Rates

Purchase Sale
USD 69.8000 69.9000
EUR 77.0000 77.7000
RUB 1.0970 1.1020
KZT 0.1790 0.1820
GBP 88.0000 92.0000
CNY 9.4000 10.5000
Purchase Sale
USD 69.7000 69.9000
EUR 76.6000 78.1000
RUB 1.0650 1.1200
KZT 0.1700 0.1900
GBP 82.0000 94.0000
CNY 8.9000 11.0000
FX rate
USD 69.8500
EUR 77.2820
RUB 1.0961
KZT 0.1812
GBP 91.7536
CNY 9.9320

Course listed on 10.12.2019

Exchange rates are valid for Bishkek city. Exchange rates are valid for an amount of up to $1000 (or equivalent in other currencies), rates for amounts above$1000 are contractual