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The Elcart payment cards are the cards of the national payment system of the Kyrgyz Republic.

The Elcard is an affordable, reliable, secure banking product designed for non-cash payments, receipt of salaries, pensions, allowances, as well as payments to the budget, taxes, customs duties, insurance premiums.

Letters of credit:


On imports:

Type of transaction

Commission charge

min

Notes

Opening of unconfirmed letter of credit

0,2%

2500

of transferred amount

Opening of confirmed letter of credit

0,3%

2500

of transfer amount

Change of terms of letter of credit

2500

 

 

Instalment under the letter of credit

0,2%

2000

from the amount of transfer

on export:

Type of transaction

Commission charge

min

Notes

Advising of letter of credit to the customer

0,2%

2500

of transfer amount

Admission and check of documents

0,2%

1500

of transfer amount

 

Types of loans, terms and conditions:

 

CONSUMER LOANS

 

Consumer loans secured by immovable and movable property

LOANS FOR CHERISHED DREAMS

Consumer loans are issued to individuals upon presentation of a document proving income from permanent employer, for the purchase of: furniture, house repairs, and other consumer needs.

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

Loan Terms:

  • Up to 60 months;
  • Under the pledged collateral of the property (documents of entitlement);
  • Reference from place of residence;

Read more...


Consumer loans without collateral (under the guarantee)

FOR PEOPLE WITH EXTRAORDINARY DREAMS

Consumer loans without collateral are issued to individuals and / or public officials upon presentation of a document proving income from permanent employer and guarantees from third parties with obligatory documentary proof of income (guarantor).

Purpose: for the purchase of furniture, house repairs, payment of contracts and other consumer needs.

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

Loan Terms:

  • Up to 24 months;
  • Under the guarantee of third parties;
  • Amount of loan from KGS 20,000 to KGS 200,000;

Read more...



BUSINESS DEVELOPMENT LOANS

EXPENSES ARE NOT A PROBLEM FOR A BIG INCOME!

 

Loans for business development are issued to individuals with confirmation of the implementation of commercial activities to increase working capital commercial activity of the borrower.

Main benefits:

  • Consideration within 1-3 business days;
  • No fees for review, cash-out and recalculation of the loan schedule.

Loan Terms:

  • Up to 60 months;
  • Under the pledge of immovable and movable property (documents of entitlement);
  • Reference from place of residence;

Read more...

DEPOSIT COMPARISON
Interest rate
Additional payment
Early termination
Payment of % monthly
Capitalization of %
Partial withdrawal
Minimum initial payment
* For more information on minimum deposit amount and additional deposits in other currencies see the deposit page

Internet-Banking service is the most convenient way of work with the bank. You can carry out banking operations without visiting the office of the Bank:

  • Trace all movements and balances of funds in your accounts;
  • Make payments;
  • Convert your funds;
  • Receive consolidated statements of account.

To become a user of this service you need:

  • Have a current account in our Bank;
  • Submit an application for connection to "Internet-Banking" system
  • Sign a contract for servicing via "Internet-Banking" system
  • Connection to "Internet-Banking" system has no fees;
  • Servicing of the client via "Internet-Banking" system - has no fees.
  • Payments within Interbank Clearing System - 10 KGS.
  • Payments within Interbank Gross Settlement System - 130 KGS.

Additionally

Instructions for users to operate in the IB system