Nearest ATMs and branches

Cash withdrawals at bank branches — 0% commission for amounts over 300,000 KGS.

Visa Business Card Promotion!

0% commission on payment acceptance up to 1,000,000 KGS for new MKassa clients!

Deposit "Daily" for individual entrepreneurs – we pay income every day!

Register as a Sole Proprietor Online with MBusiness

MBusiness – the best app for business

A modern and convenient way to pay salaries to the card

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Головной Офис ОАО "МБАНК"

MBusiness

Dear Customers,

Please be informed that effective July 16, 2026, changes to the Bank&#39;s Tariff Schedule will come into effect for the following payment cards:

<ul>
	<li>MasterCard Gold (currency: KGS);</li>
	<li>MasterCard Business (currency: KGS).</li>
</ul>

MBANK &mdash; The First Digital! 
NBKR License No. 014.

Changes to the MasterCard Payment Card Tariff Schedule

Love football and want to feel closer to your favorite players? MBANK and adidas Royal Sport, the official distributor of adidas in Kyrgyzstan, are launching a joint campaign for cardholders featuring football stars.

From July 1 to July 31, 2026, customers who order a Mastercard Leo Messi or Visa Lamine Yamal card through the MBANK mobile app will automatically be entered into the campaign and get a chance to win a Size 1 football, as well as receive a guaranteed 5% discount promo code for adidas products.

Please note: only cards ordered through the MBANK mobile app are eligible for the campaign.

<h2>What can you win?</h2>

5% adidas discount promo code

The first 1,000 customers whose cards are successfully delivered will receive a promo code for an additional 5% discount on adidas products purchased through the official adidas online store at adidas.kg.

<ul>
	<li style="list-style-type:disc">500 promo codes will be awarded to Mastercard Leo Messi cardholders.</li>
	<li style="list-style-type:disc">500 promo codes will be awarded to Visa Lamine Yamal cardholders.</li>
</ul>

Each participant is eligible to receive one promo code per successfully delivered card. The promo code validity period is specified in the certificate.

Football

A total of 250 footballs are available during the campaign. Every fourth customer whose card is successfully delivered within Bishkek will receive a football, while supplies last.

<h2>How to participate</h2>

Simply order a Visa Lamine Yamal card for KGS 500 or a Mastercard Leo Messi card for KGS 1,000 through the MBANK mobile app.

No additional registration is required. Your promo code will be delivered together with your card. If your order is selected as a winning one, you will also receive a football, provided the card is delivered within the city of Bishkek.

Order a card featuring your favorite football star and enjoy your exclusive football bonus from MBANK and adidas Royal Sport!

MBANK &ndash; The First Digital Bank. Made in Kyrgyzstan.

NBKR License No. 014.

MBANK and adidas Royal Sport Launch a Special Campaign for Football Fans

Dear Customers,

OJSC &quot;MBank&quot; hereby notifies you of amendments to the Public Offer Agreement for Receiving Credit Products Issued in Cash/Non-Cash Form by Transfer to a Card Account and/or to the Bank&rsquo;s Partner&rsquo;s Account, or Remotely via the MBANK Service at OJSC &quot;MBank&quot;.

The updated version of the Public Offer Agreement will come into effect on July 15, 2026.

MBANK &ndash; The First Digital!

NBKR License No. 014

Changes to the Public Offer Agreement

Dear Customers,

OJSC &quot;MBank&quot; hereby notifies you of amendments to the Public Offer for the Conclusion of the Bank Service Agreement for Individuals on a Card Account with OJSC &quot;MBank&quot;.

The updated version of the Public Offer will come into effect on July 15, 2026.

MBANK &ndash; The First Digital!

NBKR License No. 014

Public Offer Update

From July 1 to September 15, 2026, CJSC &ldquo;Coca-Cola Bishkek Bottlers&rdquo; is running the promotional campaign &ldquo;Feel the Taste of Summer,&rdquo; with JSC &ldquo;MBank&rdquo; acting as the general partner. Purchase participating Coca-Cola products, activate promo codes in the MBANK mobile app, and get a chance to win one of 3,000 prizes.

<h3>How to participate</h3>

It&rsquo;s simple:

<ul>
	<li>purchase a 500 ml promotional bottle of Coca-Cola, Coca-Cola Zero Sugar, Fanta Orange, Sprite Lemon-Lime, or Sprite Mojito with a special silver promo cap;</li>
	<li>scan the QR code on the label or go to the campaign page in the MBANK mobile app;</li>
	<li>enter the promo code found under the cap;</li>
	<li>each activated code gives you 1 cap.</li>
</ul>

After collecting 4 caps, the system will automatically generate an electronic ticket that will take part in the prize draw. The more tickets you have, the higher your chances of winning.

<h3>Prize fund</h3>

Participants can win modern gadgets, branded merchandise, and cash prizes, including:

<ul>
	<li>iPhone 17 Pro;</li>
	<li>iPad Pro 13;</li>
	<li>AirPods Pro 3;</li>
	<li>Yandex Station &ldquo;Alice&rdquo;;</li>
	<li>Xiaomi smartwatches;</li>
	<li>Xiaomi power banks;</li>
	<li>Coca-Cola branded T-shirts and bomber jackets;</li>
	<li>cash prizes of 10,000, 20,000, 50,000, and 100,000 KGS.</li>
</ul>

<h3>Who can participate?</h3>

Adult citizens of the Kyrgyz Republic who are registered users of the MBANK mobile app and have completed identification in accordance with the bank&rsquo;s requirements are eligible to participate.

Summer is a time of bright impressions, pleasant surprises, and new opportunities. Join the &ldquo;Feel the Taste of Summer&rdquo; campaign, activate promo codes in MBANK, and win exciting prizes!

Full campaign rules are available at the link: [<a href="https://mbank.kg/media/documents_page/documents/en/Pravila_Aktsii_Coca-Cola_angl.pdf">link</a>].

Summer gets even brighter: MBANK and Coca-Cola launch a large-scale prize campaign

Starting July 1, 2026, MBANK is introducing a new way to access the CVV/CVC security code for personal bank cards.

From this date, the CVV/CVC code will no longer be printed on the back of newly issued or reissued physical cards. Instead, customers can securely view the code in the MBANK mobile app under the card details section.

This modern approach to storing sensitive card information enhances security by reducing the risk of unauthorized access if a card is lost, stolen, or used by someone else.

<h2>Where Can I Find My CVV/CVC Code?</h2>

You can access your CVV/CVC code in just a few seconds:

<ul>
	<li style="list-style-type:disc">Open the MBANK mobile app.</li>
	<li style="list-style-type:disc">Select the required card from the home screen.</li>
	<li style="list-style-type:disc">Go to Card Details.</li>
	<li style="list-style-type:disc">Your CVV/CVC code will be displayed on the virtual version of your card.</li>
</ul>

<h2>What You Need to Know</h2>

This update affects only the way your CVV/CVC code is displayed.

All other card features remain unchanged, including:

<ul>
	<li style="list-style-type:disc">In-store purchases</li>
	<li style="list-style-type:disc">Contactless payments</li>
	<li style="list-style-type:disc">Online shopping</li>
	<li style="list-style-type:disc">Money transfers and other banking transactions</li>
</ul>

Whenever a website requests your CVV/CVC code for an online purchase, you can quickly retrieve it in the MBANK app.

<h2>Which Cards Are Affected?</h2>

The new policy applies to:

<ul>
	<li style="list-style-type:disc">All newly issued personal bank cards</li>
	<li style="list-style-type:disc">All reissued personal bank cards</li>
</ul>

Previously issued cards with a printed CVV/CVC code will continue to function as usual until they expire or are replaced.

<h2>Exceptions</h2>

This change does not apply to:

<ul>
	<li style="list-style-type:disc">Business cards</li>
	<li style="list-style-type:disc">Elcard national payment system cards</li>
</ul>

For these cards, the CVV/CVC code will continue to be printed on the card as before.

MBANK &mdash; The First Digital Bank.&nbsp;

&nbsp;

CVV Security Code Is Now Available Only in the MBANK App

MBANK has announced more than 30 winners of brand-new iPhone 17 smartphones as part of its MPay payment service campaign. The nationwide promotion runs until August 20, 2026.

MPay technology enables customers to make payments even without an internet connection on their smartphone. The service works through MKassa POS terminals and offers cashback of up to 10% on every purchase. MPay eliminates the need for physical bank cards, QR codes, or NFC stickers on smartphones. Payments are completed instantly without entering a phone number or searching for a network connection.

<h2>How to participate</h2>

Simply become an MBANK customer and make a purchase of 100 KGS or more using MPay.

Winners are selected automatically:

<ul>
	<li>For new users: every 1,000th, 2,000th, and 3,000th client.</li>
	<li>For existing customers: every 30,000th, 60,000th, and 90,000th transaction.</li>
</ul>

The campaign covers thousands of retail locations across the country, from neighborhood convenience stores to major shopping malls. Winners have already been announced not only in Bishkek but also in Osh and Jalal-Abad. They have received their prizes and shared their experiences using MPay in everyday life.

<blockquote>
&quot;I was standing in line when the internet suddenly stopped working. Then I remembered that MPay allows offline payments. I completed the payment without any issues. From my experience, the service is faster than QR code payments. With QR codes, you usually wait an extra two or three seconds while the phone focuses or the payment is processed. With MPay, it&#39;s much simpler: you walk up, tap your smartphone, and within a second you see that the payment has gone through,&quot; said Nuremir, the first winner of the campaign.
</blockquote>

The MPay campaign is still ongoing, with dozens more prize draws ahead. To participate, simply start using your smartphone as a complete digital wallet.

Detailed campaign rules and participation terms are available via the official link.

Important! MBANK never requests your personal information, including your bank card number, CVV code, card expiration date, or screen recordings from the mobile application. Never share this information with third parties, as it may be used for fraudulent purposes.

NBKR License No. 014

MBANK Rewards MPay Campaign Winners with New iPhone 17 Smartphones

Leading international rating agency S&amp;P Global Ratings has assigned MBANK OJSC a &#39;B+/B&#39; credit rating.

The &#39;B+/B&#39; rating is currently the highest rating achieved by any bank in Kyrgyzstan. MBANK has officially reached the sovereign credit rating level of the Kyrgyz Republic. This milestone confirms that the Bank&rsquo;s reliability, technological capabilities, and operating standards have received high recognition from one of the world&#39;s leading credit rating agencies.

S&amp;P Global Ratings analysts highlighted MBANK&rsquo;s key strengths, which have secured its leading position in the market:

Public Recognition and Fintech Leadership

As Kyrgyzstan&rsquo;s leading digital fintech ecosystem, MBANK delivers innovative digital solutions and customer-focused services, setting new standards for banking. The Bank has become one of the most recognizable financial brands in the country. Thanks to its user-friendly mobile application, MBANK has built the largest customer base in Kyrgyzstan and maintains its leadership in terms of active users. S&amp;P Global Ratings expects the Bank to continue strengthening its leading position in the retail banking segment.

Business Scale and Systemic Importance

MBANK is the market leader in lending, with an impressive loan portfolio of KGS 105 billion. S&amp;P Global Ratings emphasizes the Bank&rsquo;s significant systemic importance to Kyrgyzstan&rsquo;s financial sector.

Security of Customers&rsquo; Funds

S&amp;P experts confirmed that the Bank maintains a substantial liquidity buffer and a high level of liquidity. Customers&rsquo; funds are securely protected, while MBANK&rsquo;s balanced business model effectively mitigates market risks.

Strong Depositor Confidence

Both individuals and businesses choose MBANK to safeguard their savings. This serves as one of the strongest indicators of public confidence in the Bank&rsquo;s brand, financial stability, and long-term reliability.

Investment in the Future

All of the Bank&rsquo;s profits are capitalized and reinvested into further development. This strategy ensures continuous investment in digital technologies, enhanced security, and sustainable long-term financial resilience.

Commenting on the international credit rating, Marat Toraliev, First Deputy Chairman of the Management Board for Strategy and Digital Development at MBANK, stated:

<blockquote>
&quot;The assignment of an S&amp;P Global Ratings credit rating is an official international recognition of the results of our many years of work. This rating confirms that MBANK successfully combines the stability of traditional banking with leadership in digital transformation while meeting high international standards of reliability, corporate governance, and financial strength.

Today, MBANK not only follows global best practices but also sets new standards for the development of Kyrgyzstan&rsquo;s banking industry by delivering advanced technological solutions and building a next-generation financial services ecosystem.&quot;
</blockquote>

MBANK&rsquo;s recognition at the international level opens new opportunities for the Bank&mdash;from attracting major foreign investments to bringing homegrown financial technologies to global markets. It creates a solid foundation for MBANK&rsquo;s sustainable and dynamic growth while further strengthening its leadership position in the market.

MBANK &ndash; The First Digital!

License of the NBKR No. 014.

S&P Global Ratings has assigned MBANK a 'B+/B' credit rating, the highest rating currently achievable for banks in Kyrgyzstan.

Following strong interest from the business community, MKassa has extended its &ldquo;Zero on Three Million&rdquo; promotional campaign until December 31, 2026.

Under the promotion, new MKassa merchants can accept cashless payments with 0% acquiring fees until they reach KGS 3,000,000 in transaction turnover or six months from the date of activation, whichever comes first.

The promotion includes:

<ul>
	<li style="list-style-type:disc">0% acquiring fee on payments made by bank cards, QR, and MPay;</li>
	<li style="list-style-type:disc">Free POS terminal;</li>
	<li style="list-style-type:disc">Complimentary cash register (optional);</li>
	<li style="list-style-type:disc">A convenient mobile application for managing sales and transactions;</li>
	<li style="list-style-type:disc">Free 24/7 transfers to MBANK.</li>
</ul>

Eligibility: 
The promotion is available to sole proprietors, limited liability companies (LLCs), and small and medium-sized enterprises (SMEs), whether they are launching a new business or seeking a more competitive acquiring solution.

Submit your application on our <a href="https://mbank.kg/en/mkassa" style="text-decoration:none">website</a> and start accepting cashless payments with 0% acquiring fees today.

For more information, please visit the <a href="https://mbank.kg/media/documents_page/documents/en/Pravila_aktsii_Nol_na_tri_milliona_eng.pdf" style="text-decoration:none">link </a>&nbsp;or contact our Customer Support Center at 9933.

MBANK - the first digital! Made in Kyrgyzstan!

NBKR License No. 014&nbsp;

&nbsp;

MKassa Extends the “Zero on Three Million” Promotion Through December 31, 2026

News

Business loans and deposits, QR payments, corporate cards and online banking — convenient financial solutions from MBANK for entrepreneurs

Currency	Purchase	Sale	NBKR
USD	87.4000	87.8000	87.4500
EUR	99.3000	100.3000	99.6668
RUB	1.0300	1.1300	1.1154
KZT	0.1700	0.1900	0.1826

Visa Business Card Promotion!

0% commission on payment acceptance up to 1,000,000 KGS for new MKassa clients!

Deposit "Daily" for individual entrepreneurs – we pay income every day!

Register as a Sole Proprietor Online with MBusiness

MBusiness – the best app for business

Salary project

MISLAMIC – Shariah Compliant Mobile Banking

16% for Individual Entrepreneurs in MBusiness

MKassa

MBusiness

Deposits

Card for Your Business

Business loan

Business loan

Exchange rates

Nearest ATMs and branches