Cartomate
Get your personalized MBANK card on your own in just a few minutes. The first of its kind in Kyrgyzstan!
What can you do with a Cartomate?
Issue a New Card for Free
Receive your new personalized MBANK card in just a few minutes.
Replace Your Existing Card
Replace your card if it has been damaged, blocked, or has expired.
Issue an Additional Card (if you don't have a Gold Card)
Perfect for your loved ones, family members, or secure online shopping.
Start Using Your Card Immediately
Your card is automatically activated and ready to use right away.
Complete Full Identification
Unlock extended access to MBANK products and services.
Just 3 Steps to Your New Card
Scan the QR Code
On the Cartomate screen, tap "Get an MBANK Card" and scan the QR code using the MBANK app.
Choose an Action
Select what you'd like to do: issue a new card or replace your existing one.
Confirm Card
Issuance Confirm your request using the code sent via PUSH notification. The Cartomate will personalize your card with your name and dispense it within seconds.
Frequently Asked Questions
Is it safe? Can someone else collect my card?
Absolutely. The Cartomate will not issue your card without two-factor authentication. First, you must use your personal smartphone with the authorized MBANK app to scan the QR code. Second, you must enter the verification code sent to your MBANK app via PUSH notification. Without access to your app, no one can obtain or activate your card.
Where are my personal data and PIN stored?
The Bank does not store card images inside the Cartomate. Your PIN is delivered securely through the MBANK app, or you can set your own PIN in the app. It is encrypted and inaccessible even to bank employees.
What should I do if the Cartomate stops working and doesn't dispense my card?
Such cases are extremely rare. If this happens, don't worry. Your card will not be activated until it has been successfully dispensed.
Do I need my original passport (ID card)?
If you are not yet an MBANK customer, yes. Your original passport (ID card) is required to complete identity verification. If you are already an MBANK customer and have completed verification, your original passport (ID card) is not required.
Can I print a card for my family member or friend?
No. In accordance with the laws of the Kyrgyz Republic and security requirements, only the legal cardholder can receive the card.
What is the minimum age to receive a card through a Cartomate?
You can independently receive a card from the age of 16, provided you have a valid passport (ID card) of the Kyrgyz Republic and a verified MBANK profile.
Is a card issued by the Cartomate a full-featured bank card? Will it have my name on it?
Yes. The Cartomate issues a fully functional, embossed (personalized) payment card. It is identical to a card issued at an MBANK branch.
How much does it cost to replace a lost card?
The fee for replacing a lost or damaged card is charged according to the Bank's current tariff schedule. The exact fee will be displayed on the Cartomate screen before you confirm the card issuance.
What’s Included in MBANK Enhanced Features?
Higher Limits & Account Management
Maximum Limits
Remove restrictions on account balances, spending, online purchases, and cash withdrawals.
Full Card Services
Instant issuance of virtual cards and home delivery of Visa plastic cards (Gold, Premium, Infinite) and Elkart cards.
Multi-Currency Accounts
Open and manage accounts in multiple currencies: KGS, USD, EUR, RUB, and CNY.
NFC Cash Withdrawals
Withdraw cash from ATMs with a single tap using your smartphone, even without your physical card.
Transfers & International Payments
Global Money Transfers
Send and receive money worldwide through international payment systems and partner banks.
Phone Number Transfers
Make instant transfers within Kyrgyzstan and to CIS countries (including Kazakhstan, Uzbekistan, and others) using only a phone number.
International Online Payments
Pay for subscriptions, online shopping, and international services such as taxis, music, streaming platforms, and more.
Loans, Installments & Wealth Management
M+ Online Installments
Access instant installment plans of up to KGS 250,000 for purchases and services at partner merchants.
Loans in 1 Minute
Apply for online microloans 24/7 without visiting a branch or submitting paperwork. Applications are processed automatically in about a minute.
High-Yield Deposits
Open fixed-term and savings deposits online and earn up to 5% annual interest on your card balance.
Investments & Gold
Open precious metal accounts to purchase gold and manage investments directly in the MBANK app.
Loyalty Program, Bonuses & Cashback
MBonus Ecosystem
Earn bonus points on every cashless payment and QR payment made with MPay.
Up to 20% Cashback
Unlock premium loyalty levels with increased cashback from MBANK partner merchants.
Pay with Bonus Points
Use accumulated points to pay for utilities, fines, internet services, and products from a catalog of over 4,000 partners.
Earn by Referring Friends
Receive real cash rewards for inviting friends who issue a card or complete identity verification.
Government Services & MBANK ID Ecosystem
MBANK ID – Your Digital Identity
Use your MBANK profile as a secure digital ID for instant sign-in and registration on government and partner websites without passwords.
Digital Government Services
Check and pay traffic fines and taxes, obtain official certificates and statements, and monitor your pension savings directly in the app.
Business & Self-Employment Solutions
Online Sole Proprietor Registration
Register as a sole proprietor remotely using your smartphone.
MBusiness Integration
Open a business current account and access digital accounting, electronic invoices, and payroll solutions.
Maximum Security
Biometric Protection
Authorize high-value transactions and sign in with facial recognition, providing additional protection even if your phone is lost.
Advanced Data Protection
Your personal information is protected according to the security standards of Visa and Mastercard international payment systems.