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.


Foreign Exchange Rates

Purchase Sale
USD 69.8000 69.9000
EUR 77.7000 78.6000
RUB 1.1100 1.1160
KZT 0.1790 0.1820
GBP 88.0000 92.0000
CNY 9.4000 10.5000
Purchase Sale
USD 69.7000 69.9000
EUR 77.3000 79.0000
RUB 1.0650 1.1250
KZT 0.1700 0.1900
GBP 82.0000 94.0000
CNY 8.9000 11.0000
FX rate
USD 69.8500
EUR 77.7815
RUB 1.1048
KZT 0.1815
GBP 91.7536
CNY 9.9320

Course listed on 13.12.2019

Exchange rates are valid for Bishkek city. Exchange rates are valid for an amount of up to $1000 (or equivalent in other currencies), rates for amounts above$1000 are contractual