Currently, Visa Direct and Visa+ are available only to individual customers. For business clients, BAKAI offers dedicated money transfer solutions - please contact your nearest branch for more information.

1. Open the BAKAI app and go to Payments → Visa Direct / Visa+
2. Choose your transfer method: by card number (Visa Direct) or by phone number (Visa+)
3. Enter recipient details:

• Phone number: select a contact or enter the number manually. The recipient’s first name and the first letter of their last name will appear. You’ll also see the destination country and bank.
• Card number: enter the recipient’s Visa card number, full first and last name in Latin characters.

       4. Enter the amount and confirm the transfer. The transaction fee will be shown before you finalize the payment.

Visa Direct Account is an international transfer service that allows you to send money abroad directly from account to account without linking to a bank card.

Yes, you can receive international transfers to your Bakai Bank Visa card in two ways, depending on the method used by the sender:

1. Via Visa Direct (by card number)
If the sender uses Visa Direct and enters your BAKAI Visa card number, you can receive funds directly from abroad.
Transfers are sent in U.S. dollars (USD) and will be automatically converted into your card’s currency at the Bank’s exchange rate.

2. Via Visa+ (by phone number)
If the sender is in a CIS country (such as Kazakhstan, Belarus, Ukraine, etc.) and uses Visa+, you can receive the transfer to your BAKAI card via your phone number.

To receive funds this way:

• Link your phone number to your Visa card once through the BAKAI mobile app
• Make sure the sender’s bank is connected to Visa+

These transfers are also received in USD and converted to your card’s currency at the Bank’s current exchange rate. No need to share your card number — just your phone number is enough.

As of June 2025, Visa+ phone number transfers within Kyrgyzstan are available between BAKAI and the following partner banks:

• MBank

• Kyrgyzkommertsbank

• KICB (Kyrgyz Investment and Credit Bank)

The list of participating banks will be updated regularly as more institutions join the network.

If you haven’t received a transfer via Visa Direct or Visa+, follow these steps:

1. Check your details:

• For Visa Direct: Was the correct card number entered?
• For Visa+: Is your phone number properly linked to your Visa card in the BAKAI app?
• Has your phone number been recently unlinked from Visa+? 

2. Confirm with the sender:

• Did the sender receive a confirmation of successful transfer?
• Did they enter your first and last name in Latin characters? (This is required.)
• Did they encounter any errors, such as exceeding transfer limits or selecting an unsupported country?

3. Review transfer currency and limits:

• International transfers are sent in U.S. dollars (USD) and automatically converted into your card’s currency at the Bank’s exchange rate.
• Make sure the transfer meets the minimum amount and is within the allowed limits.

1. When you first log in to the app, you’ll be prompted to link your phone number.

2. Tap “Allow access.”

3. Select the card you want to use to receive Visa+ transfers.

4. Confirm your selection — once linked successfully, the Visa+ icon will appear on the card.

Note: A phone number can be linked to Visa+ through only one bank at a time. If you link it to a new bank, it will automatically be unlinked from the previous one.

Visa Direct is an international service that allows you to send money instantly from one Visa card to another using the recipient’s card number.
You can quickly and securely send funds to friends or family — even if they use a Visa card from another bank — in any supported country.

The list of supported countries is regularly updated.

Transfers via Visa Direct and Visa+ are typically processed within seconds, 24/7 — including weekends and holidays.

Visa+ is a convenient money transfer service that lets you send funds to Visa cards using only the recipient’s phone number — no card details required. It’s fast, secure, and ideal for cross-border transfers within the CIS region.

Currently, Visa+ supports transfers to the following countries:

• Kazakhstan
• Ukraine
• Belarus
• Uzbekistan
• Moldova
• Tajikistan

As more partner banks come online, the list of supported countries will continue to grow.

BAKAI supports transfers in both Kyrgyz som (KGS) and U.S. dollars (USD). The currency used depends on your card settings and the destination of the transfer.

Yes, all transfers are protected by advanced security technologies from Visa and BAKAI, including encryption and SMS-based transaction verification.

Unlike standard transfers (such as card-to-card), Visa Direct Account operates on an account-to-account basis, enabling transfers to countries and destinations where card transfers may be limited.

No - once a Visa Direct or Visa+ transfer is confirmed, it is considered final and cannot be canceled. Please double-check all recipient details before submitting your transfer.

The service allows transfers to various countries, including the USA and China (including via WeChat Pay and Alipay).