You pay for goods or services at partner locations using a POS terminal or QR code. The total amount is automatically divided into equal parts — from 1 to 12 months. Payments are made monthly, with no extra charges. It’s simple and transparent.

To apply for the card, you’ll need:
• A valid passport of a Kyrgyz Republic citizen
• Verified income
• Age: 21 and above

Opening and servicing of the Tumar card is free of charge.

The Tumar card is intended for use exclusively within our partner network. Cash withdrawals at ATMs or BAKAI counters are not available. You can use the card for purchases and payments at stores within the Tumar partner network.

he card works at over 1,500 partner locations — electronics stores, furniture shops, travel agencies, and other services. You can find the full list on the BAKAI website or at any branch.

The Tumar Installment Card is a modern financial tool from BAKAI that allows you to make purchases now and pay for them in parts — with no interest or hidden fees.
It’s a convenient alternative to a loan, with no collateral, guarantors, or unnecessary paperwork.

You repay the purchase amount in equal monthly payments. Payment can be made via the mobile app or at BAKAI branches. No additional fees — you pay exactly what the product or service costs.