‘Fair’ Deposit

interest is not lost

up to 9,5%

interest rate

at the end of the term

interest payment

from KGS 5000

an initial fee





before maturity


(% per annum)


(% per annum)


(% per annum)


(% per annum)

months 30 days 3,5 % 1,0 % 0,5 % 3,5 %
months 60 days 6,5 % 1,5 % 1,0% 4,5 %
months 60 days 7,5 % 2,5 % 2,0 % 5,5 %
12 months          60 days 9,5 % 3,0 % 2,5 % 6,5 %


Effective annual interest rate comprises:

- from 3,03% to 9,92% in KGS

- from 0,5% to 3,06% in USD

- from 0,5 to 2,54% in EUR

- from 4,05% to 6,70% in RUB

Terms and conditions for accepting deposits and terms and conditions of active deposits whose amount exceeds 100 000 US dollars or its equivalent in another currency can be set by the Bank on an individual basis.

Minimum initial deposit amount 5 000 KGS/RUB; 100 USD/EUR; 

Minimum additional deposit amount: for individuals - 1 000 KGS/RUB; 20 USD/EUR, for legal entities -  10 000 KGS/RUB; 200 USD/EUR

The Bank repays the deposit on the day following the deposit maturity date.

The deposit is insured in the order, size and according to terms set by the Law “On the protection of bank deposits” №78 of May 7, 2008.




  • In case of an early deposit withdrawal, interest shall be accrued and paid out in the amount of ½ of the interest rate valid at the moment of depositing, if the deposit was kept in the bank for at least half of the deposit period indicated in the deposit agreement.
  • Free issuance of a VISA or an Elcard card
  • When opening a deposit for a period of 12 months or more, the client can open an overdraft loan at will. Conditions: the depositor opens a plastic card of your choice according to the bank’s tariffs and is able to receive an instant credit on the card
  • An option to replenish the deposit, but not later than 60 days before the date of the agreement’s termination.

A VISA or an Elcard payment card free of charge


 When you open a deposit, you will also receive a free debit VISA or Elcard in the currency of the opened deposit.


How it can be used:

  • For keeping funds
  • For cash withdrawals
  • For purchases
  • For transferring interest from the deposit to the card



  • A wide ATM network of our bank and partner banks
  • Double protection (VISA chip and magnetic stripe). Your money is securely protected.
  • An opportunity to top up the card without charges.
  • Make purchases with the card globally in any bank’s terminal supporting VISA or Elcard

Discounts with the Privilege Card program


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Payment schedule
An initial fee

No amount selected

Interest rate

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Monthly payments


Total amount to be paid


The result of calculating a calculator is informative. Exact parameters The deposit will be calculated by the Bank based on the results of your application.

For more information, please contact Bakai OJSC Bank".

Month Accrued interest