Information
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:
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.
Currency:Som
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:
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.
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
CJSC "KICB" (KICB)
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.
Overdraft
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.
Conditions:
For more information please reach out to our Call Center by dialing 6111 or visit one of the Bakai Bank branches.
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