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The card is designed for cashless payments in ATMs on the territory of the Kyrgyz Republic.

Having become a client of our Bank and "Elcard" payment card holder you can

– Withdraw money at any convenient place for you;
– Pay for goods and services through POS terminals;
– Transfer funds from card to card;
– Control your expenses via SMS-notification;
– To receive money transfers via Zolotaya Korona;
– Receive additional income amounting to 3% p.a. on the account balance;
– Use the service "Internet Banking";
– to Pay for services via Elcart Mobile.


Rates of "Elcard" payment card service for individuals

Card account opening with card issuance - 120 KGS.

Cashing out:

  • In the infrastructure of your bank - 0,4%;
  • In other banks infrastructure - 0,6%.

Monthly accrual of interest - 3% per annum.

Card account replenishment - no fees.

To open an "Elcard" payment card the client should:

  • Come to the Payment Card Department of JSCB "Tolubay" with passport;
  • Fill in the Questionnaire for receiving "Elcard" payment card;
  • Sign an application-obligation and Service Agreement for "Elcard" card and Card Account;
  • Оплатить выпуск карты согласно тарифам Банка.