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Visa Classic




Free of charge

Annual maintenance fee

0 soms


VISA Classic- is a universal payment instrument, which is accepted worldwide in all places marked with the Visa logo, including ATMs, real and virtual stores (Internet stores), as well as stores that offer goods and services by mail and phone. It is popular among consumers with average income level, as it guarantees convenience, choice and financial flexibility. The cards in this category are an optimal combination of cost and range of services. They are accepted without any restrictions at ATM's, sales and service outlets all over the world including those that use imprinters (mechanical devices for accepting bank cards).

Holders of these cards are provided with a wide range of services: cash withdrawal at ATMs and POS terminals and the opportunity to order goods and services via the Internet or by telephone, rent a car, book a hotel, etc.

Currency: KGS or USD

Issuance: free of charge

Annual fee: 0 soms

For more information please reach our contact center by dialing 6111 or visit one of the Bakai Bank branches.


Overdraft "Instant Advance"of "Bakai Bank" allows you to pay for payments in case of lack of funds on the card.

"Bakai Bank" offers to take advantage of an advantageous offer - overdraft "Instant Advance" for the clients who have the salary card from "Bakai Bank". Holders of salary cards issued by the bank can take advantage of this product on their salary card up to three salaries. As well as depositors of "Bakai Bank".

In practice it looks like overdraft on the card account. Overdraft "Instant Advance" is convenient because it can become a reserve for unplanned cases.

Conditions for Overdraft:

  • Participant of the salary project and/or availability of the deposit in Bakai Bank
  • Length of service in the salary project 12 months
  • Term Overdraft: 12 months (can be prolonged)
  • Up to 80% of salary, you should leave an application in "Bakai Bank"
  • Over 80% of average monthly salary and up to 3 average monthly salaries additionally one guarantor from the salary project is needed
  • Interest rate - 28% per annum


For detailed information please reach out to our call-center by dialing 6111 or get information directly at one of the "Bakai Bank" branches.

Friendly Network

"Friendly Network" is a wide network of ATMs and terminals throughout Kyrgyzstan. For the convenience of customers, banks, merged their devices into a single network that serves cards.

  • over 400 ATMs;
  • over 606 cash points (POS-terminals).

Our cardholders can withdraw cash with payment cards of Elcard/VISA in devices of Friendly network on the tariffs of OJSC Bakai Bank.

The Friendly network includes the following banks:

OJSC Bakai Bank


CJSC "Bank of Asia",

OJSC "Dos-Credit Bank

Finance Credit Bank CAB

OJSC "Capital Bank”


For more detailed information please reach our call-center by dialing 6111 or visit "Bakai Bank" branches directly