Loan on card

An “Urgent Advance” overdraft of Bakai Bank makes it possible to carry out payments when there are no funds on the card. 

Bakai Bank offers to use our advantageous product – an “Urgent Advance” overdraft for clients with a Bakai Bank payroll card. Holders of payroll cards issued by the Bank can use this payroll card product for an amount of up to three salaries. Additionally, Bakai Bank investors…

In practice, this looks like an overdraft of funds on the card account. The “Urgent Advance” overdraft is convenient as it can serve as backup for unplanned situations.


Conditions for obtaining Overdraft:

  • Be a participant of the payroll project/ or have a deposit in Bakai Bank;
  • Have work experience in the payroll project of 12 months;
  • Overdraft period: 12 months (with an option to prolong);
  • For up to 80% of the salary, you need to apply to Bakai Bank 
  • An overdraft in the amount of 80% from average monthly salary and up to 3 average monthly salaries additionally requires one of the colleagues from the payroll project to serve as a guarantor.
  • Interest rate — 28% per annum


For more detailed information please call our consultants, using the number of the contact center 6111, or you can receive information directly in Bakai Bank’s offices.