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The Islamic Financial Center Card (IFC Card) - Payroll project

Submit a request
The Islamic Financial Center Card (IFC Card) - Payroll project




Free of charge

Annual maintenance fee

100 soms

Islamic Financial Center Card (IFC Card).

This product complies with the Islamic principles of financing, and has been agreed and approved by the Shariah Council of the Bank. Now the owners of the Islamic Finance Center card are given an excellent opportunity to pay for purchases, make transfers and perform other transactions all within the framework provided by the Islamic principles of banking services.

With IFC cards no interest is accrued on cash balances on cards. With cash balances on cards the Bank does not perform any transactions that are contrary to the Shariah principles of Islam.

No interest is charged for cash deposits to the Elkard IFC cards; depositing to the IFC cards at Baqai Bank's cash desks is free of charge.

There are system restrictions on Elcard IFC, purchases at specialized establishments are blocked on the program level, such as:

∙ alcohol, tobacco stores;

∙ entertainment and entertainment facilities, bookmaker's offices;

∙ Websites with obscene content;

The Bank shall not be liable for any incorrect registration in the payment systems of retail stores, which carry out their activities that is different from their main activity.

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. 

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

The Islamic Financial Center Card (IFC Card) - Payroll project
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