Elcard - payroll project card

Elcard payment card
  • Currency : Som
  • Issue : Free of charge
  • Annual maintenance fee : 100 soms
Elcard - payroll project card


The ELCARD bank payment card is a card of the national payment system of Kyrgyzstan. ELKARD card is designed for non-cash payments (payment for goods and services), receipt of salaries, pensions, allowances at ATMs and POS-terminals on the territory of Kyrgyzstan.

ELCARD bank cards are accessible to any segment of the market, i.e. both employees of salary projects (teachers, doctors) and pensioners, individuals and even corporate clients can use them.

Important advantages of this product are:

  • Affordability;
  • Quick expansion of ATM and terminal network;
  • Reliability;
  • 24/7 access to your funds (you can cash out your funds at any time you want since many ATMs operate 24/7) as well as make necessary transactions from home through Bakai Mobile banking service;
  • Comvenient payment for goods and services;
  • Time saving payments for utility and other services via Bakai Mobile banking system; 
  • Safe storage of your money;
  • Convenience when getting paid while on shifts, traveling or traveling on business;
  • Ppportunity to issue additional cards for family members with ability to grant them a limited or unlimited access to the account.

The attractiveness of ELCARD cards is ensured by revolving credit cards up to 5 salaries, loyalty programs, 2% cash-back. 

In addition the bank designed tariffs that take into account different segments of the market. The lowest tariffs (in soms) were established for employees of state institutions and budget organizations within salary projects.

The national payment card is intended to pay for goods and services in trade and service enterprises, as well as to receive cash in cash advance offices and ATMs in the Kyrgyz Republic.

Issue: free of charge
Annual service (Payroll project):  1st year - free of charge; 2nd year and onwards - 100 soms

For more details please call our Contact Center by dialing 6111 or visit any of the Bakai Bank branches. 

Payroll Project

Elcard / Visa salary cards significantly reduce load on cash transactions performed by accounting departments of organizations and ensure confidentiality of salary payments. 

One of the main advantages is the absence of lines to receive salaries and, thus, saving time for employees, as well as reducing cost of collection.

Also, participants of the Payroll Project are given the opportunity to receive a loan under the Overdraft program ("Emergency Advance").

Terms and conditions of the cards servicing under the Salary projects:

  • Issue: Free of charge
  • Currency:Som
  • Minimum balance: 0
  • Cashless payment for goods and services: Free of charge
  • Opportunity of big preferential cashing out in OJSC "Bakai Bank" and in the units of the partner banks of the Friendly network.  

For more details please call our Contact Center by dialing 6111 or visit any of the Bakai Bank branches. 

Friendly Network

"Friendly Network" is a wide network of ATMs and terminals throughout Kyrgyzstan. For the convenience of its customers, banks consolidated their devices into a single network to serve bank cards.

  • more than 500 ATMs;
  • more than 606 terminals.

Our cardholders can withdraw cash with Elcard/VISA payment cards at the devices ofthe Friendly Networkon the tariffs of OJSC" Bakai Bank". 

The Friendly network includes the following banks:

OJSC Bakai Bank


OJSC "Ayil Bank" 

CJSC "Bank of Asia",

OJSC "Dos-Credit Bank

Finance Credit Bank CAB

OJSC "Capital Bank"

For more details please reach out to our Contact Center by dialing 6111 or visit "Bakai Bank" branches. 


Bakai Bank overdraft "Emergency Advance"allows you to make payments in the event there is insufficient funds on your bank card. 

"Bakai Bank" offers you the product for you to take advantage of such an attractive offer as overdraft "Emergency Advance" - for the clients who have their payroll cards with "Bakai Bank". For salary card holders, issued by the bank, overdraft can be applied for up to three salaries. Depositors of "Bakai Bank" can also enjoy this product. 

In practice it appears as an overdraft on your card bank account. Overdraft "Emergency Advance" is great as it can be a reserve pocket for any unplanned purchases. 


  • Be a participant of the payroll project and/or having a deposit account at Bakai Bank
  • Have a work experirnce undert the payroll project no less than 12 months
  • Overdraft term: 12 months (can be further extended)
  • Up to 80% of salary, you should leave an application in "Bakai Bank"
  • Have an average monthly salary of over 80% and up to 3 average monthly salaries plus one cosigner from the payroll project is needed
  • Interest rate - 28% per annum

For more information please reach out to our Call Center by dialing 6111 or visit one of the Bakai Bank branches. 

Three Steps to a New Bakai Bank Card

Fill out an application
It takes 2 minutes, all you need is a contact person and a phone number
Wait for the operator to call you
We'll let you know when and where to pick up the card when it's ready
Pick up your card
Come to a bank office and present your passport

Submit a request for assistance

You can either by sending or by calling us for consulting

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