"Muras" Deposit & Elkart Pension Card
Everything for a secure future
Up to 10% cashback with the Elkart Pension Card
Designed with care for seniors
Cashback applies to payments at pharmacies, hospitals, laboratories, and emergency services
Earn rewards on any cashless transactions
Maximum monthly cashback amount — up to 1,000 KGS
Earn additional income on your remaining balance (up to 1,000 KGS per month)
The card is issued and maintained free of charge
The Elkart Pension Card is available at all MBANK branches
"Muras" Deposit for Clients Aged 55+
A reliable way to save and earn passive monthly income
Grow your savings with attractive rate
Choose the duration that fits your goals
Affordable entry to start saving
Receive interest every month
Open your deposit in just one minute via the MBANK app
Optional capitalization available
Add funds to your deposit anytime
FAQ
Who can open a deposit?
Individuals who are residents of the Kyrgyz Republic.
What are the requirements to open a deposit?
In the app: for clients aged 55 and above.
At bank branches: for clients aged 55+ or with a pension certificate.
How is interest paid?
Monthly to a card account (without capitalization).
Or added to the deposit (with capitalization).
How are deposits protected?
Funds are insured by the Deposit Protection Agency of the Kyrgyz Republic — up to 1,000,000 KGS
Can I open and manage the deposit remotely?
Yes, you can open and manage your deposit in the MBANK app under the “Deposits” section.
Is partial withdrawal allowed?
No, partial withdrawals are not available.
What happens in case of early termination?
If the deposit is closed early at the client’s initiative, all accrued interest is canceled and not paid.
How to get a card?
Visit a bank branch with your passport and pension certificate.
Who can apply?
Pensioners with a valid pension certificate.
Can I receive my pension on the card?
Yes, the card is intended for pension payments.
Why choose this card?
Free issuance and обслуживание
Free cash withdrawals at MBANK ATMs
Option to open the “Muras” fixed-term deposit with a higher rate
Interest on balance and повышенный cashback in the “Health” category
Cashback Terms
Maximum cashback — up to 1,000 KGS per month
Minimum payout — 50 KGS
10% cashback in the “Health” category:
Pharmacies and drug retailers
Hospitals and medical institutions
Dental and medical laboratories
Personal healthcare services
Doctors and medical services
Emergency services