Nearest ATMs and branches

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!

Без визита в налоговую

Регистрация ИП онлайн с MBusiness

MBusiness – the best app for business

A modern and convenient way to pay salaries to the card

Salary project

Open today and start enjoying banking that cares about your valuables

MISLAMIC – Shariah Compliant Mobile Banking

Card for Your Business

Прием безналичной оплаты по QR-коду и картам

MKassa

Business loan

#000000

Deposits

Головной Офис ОАО "МБАНК"

MBusiness

Forget searching for your card, dealing with connection issues, or waiting for change. The key advantage of MPay is the ability to pay for purchases with just one tap via MKassa POS terminals &mdash; even if you completely lose internet access or don&rsquo;t have your wallet with you.

It&rsquo;s faster than regular card payments and even quicker than QR payments.

<h2>How to Pay with MPay</h2>

<h3>📱 Just Tap Your Smartphone</h3>

Open the MBANK app and bring your phone close to an MKassa terminal. 
No authorization is required, and you don&rsquo;t even need to press the MPay button &mdash; the payment happens instantly.

<h3>🌍 Works Everywhere</h3>

The feature is available on both Android and iOS smartphones and works even without internet access!

<h2>If MPay Doesn&rsquo;t Work</h2>

&mdash; Make sure your MBANK app is updated to the latest version 
&mdash; Turn on Bluetooth on your smartphone and allow the MBANK app access to it

<h2>Transfers Without Numbers or Details</h2>

MPay simplifies not only payments but also quick transfers to friends and family. Need to send money for lunch or pay back a friend?

Open the MBANK app together with the recipient and tap MPay &mdash; the app will instantly show nearby users.

No need to enter card numbers, phone numbers, or scan QR codes.

Try MPay today and see for yourself: lack of internet is no longer an obstacle for your everyday purchases.

MPay &mdash; pay with your smartphone in just one tap!

More details: <a href="https://mbank.kg/m/mpay">mbank.kg</a> 
MBANK &mdash; The First Digital! 
License No. 14, National Bank of the Kyrgyz Republic

MPay by MBANK: A Revolutionary Way to Pay with Your Smartphone in One Tap

MBANK continues to reinforce its status as the country&rsquo;s first digital bank by introducing a new level of convenience for customers. Visa Gold Instant cards can now be issued and reissued free of charge at MBANK card issuance kiosks in just 60 seconds.

Previously, kiosks supported only MJunior children&rsquo;s cards. With the service expansion, MBANK customers can now instantly receive a Visa Gold Instant card without visiting a branch or waiting for delivery.

<h3>Fast, Free, and Fully Digital</h3>

The card issuance or reissuance process takes no more than one minute, while the actual card printing requires up to 15 seconds. All transactions are confirmed through the MBANK mobile app using a QR code, ensuring a high level of security and convenience.

To receive a card, customers need to:

<ul>
	<li>tap &ldquo;Get a Gold Card&rdquo; on the kiosk main screen,</li>
	<li>scan the QR code via the MBANK app,</li>
	<li>confirm the operation,</li>
	<li>enter the verification code &mdash; and collect the ready card.</li>
</ul>

<h3>Who Is Eligible for Card Issuance at a Kiosk?</h3>

Visa Gold Instant cards are available to individuals &mdash; residents of the Kyrgyz Republic, who are MBANK customers and have completed full identification.

Issuance is available if the customer has:

<ul>
	<li>
	only a virtual Visa card and no physical Visa card.
	</li>
</ul>

Reissuance is available if:

<ul>
	<li>the customer has a Visa Classic, Visa Gold Instant, or Visa Gold card in KGS,</li>
	<li>​​​​​​​the card has expired or will expire within 30 days.</li>
</ul>

* Reissuance via kiosks is not available in cases of card loss or theft, or for payroll project participants.

<h3>About the Visa Gold Instant Card</h3>

The card is issued in Kyrgyz som (KGS) with a 3-year validity period. The first year of service is free, with a fee of 500 KGS per year thereafter.

Key benefits include:

<ul>
	<li>integration with the MBANK mobile app,</li>
	<li>contactless payments,</li>
	<li>online payment capability,</li>
	<li>​​​​​​​instant activation.</li>
</ul>

<h3>MBANK Card Issuance Kiosk Locations</h3>

Kiosks are available in major cities across the country:

<ul>
	<li>Bishkek, 115/3 Ibraimova St. &mdash; Dordoy Plaza</li>
	<li>Bishkek, 40 Yunusalieva St. &mdash; Cosmopark Mall</li>
	<li>Bishkek, 3 Ch. Aitmatov Ave. &mdash; Asia Mall</li>
	<li>Manas, 34 T. Bayzakova Ave.</li>
	<li>Talas, 212 Otorbaeva St. &mdash; Talas City</li>
	<li>Osh, 275/1 A. Shakirova St. &mdash; Nurzaman Mall</li>
	<li>Karakol, 261 Toktogul St.</li>
	<li>Tokmok, 342 Lenin St. &mdash; Globus</li>
</ul>

<h3>Digital Services Are the Future Standard</h3>

The launch of instant Visa Gold issuance via kiosks marks another step in MBANK&rsquo;s digital ecosystem development and ongoing efforts to enhance customer experience.

MBANK &mdash; the first digital bank.

MBANK has rolled out instant Visa Gold card issuance through card issuance kiosks nationwide across the Kyrgyz Republic

Turkey is a country where history meets modernity, and every corner inspires: walks along the Bosphorus, the majestic Blue Mosque, Topkapi Palace, and of course, legendary Turkish shopping loved by travelers from all over the world!

MBANK once again confirms its status as an innovative leader, making international trips even more comfortable.

For the first time in Kyrgyzstan, the bank is launching a unique service &mdash; paying for goods and services in Turkey via QR code directly through the MBANK app!

Now MBANK customers can make payments in Turkey using the MBANK app without комиссии, without worrying about cash, cards, or additional applications. Everything takes just a couple of clicks &mdash; in the familiar MBANK interface.

QR code payments are accepted at all retail locations in Turkey that support this payment method, including popular shopping malls, caf&eacute;s, and restaurants frequented by tourists.

<h2>Why Is This Truly Beneficial?</h2>

<ul>
	<li>
	No fees &mdash; no hidden or extra charges
	</li>
	<li>
	Instant payment processing &mdash; fast and transparent
	</li>
	<li>
	Wide partner network &mdash; pay at all popular locations across Turkey
	</li>
</ul>

<h2>How to Pay via QR Code</h2>

<ol>
	<li>
	Open the MBANK app
	</li>
	<li>
	Go to Transfers &rarr; Turkey &mdash; QR Payment
	</li>
	<li>
	Scan the QR code displayed on the POS terminal
	</li>
	<li>
	Confirm the payment &mdash; done!
	</li>
</ol>

<h2>Transaction Currencies</h2>

Please note that when paying for goods and services in Turkey:

<ul>
	<li>
	Payment currency: TRY (Turkish lira)
	</li>
	<li>
	Deduction currency: USD
	</li>
</ul>

The transaction amount will be automatically converted and deducted from your US dollar account.

<hr />
Travel, explore the world, and enjoy every moment &mdash; MBANK will take care of your payments! 💚

Travel Without Worries: MBANK Launches QR Code Payments in Turkey

Everyone knows that anxious moment: the wrong contact, an extra zero in the amount &mdash; and the money is already sent. In the past, such mistakes often turned into a real headache, involving phone calls, explanations, and waiting for a response.

<h2>MBANK is changing the rules of the game.</h2>

For the first time in Kyrgyzstan, returning mistaken transfers is now available directly in the MBANK app &mdash; without calling the recipient, visiting a bank branch, or dealing with unnecessary steps. Everything is fully online and takes just a couple of clicks.

This service solves several common customer issues at once: it reduces stress in the moment of error, saves time, and eliminates unnecessary disputes and actions. Customers manage the entire process themselves within the app &mdash; transparently and securely.

If you accidentally sent money to the wrong person, you can instantly send the recipient a return request.

If you received a transfer from an unknown sender, you can return the funds just as easily &mdash; with one tap.

As a result, MBANK clients maintain full control over their financial transactions, and unexpected situations are resolved quickly and technologically.

<h2>How to Return a Mistaken Transfer in MBANK</h2>

<h3>1) If You Sent Money by Mistake (You Are the Sender)</h3>

<ol>
	<li>
	Open the MBANK app
	</li>
	<li>
	Go to Transaction History
	</li>
	<li>
	Find the transfer made within the last 14 days and open its details
	</li>
	<li>
	Tap &ldquo;Request a Return&rdquo;
	</li>
</ol>

The recipient will receive a notification and only they can decide whether to approve or decline the return. 
The bank does not guarantee a refund &mdash; it is possible only with the recipient&rsquo;s consent.

<h3>2) If You Received Money from an Unknown Contact (You Are the Recipient)</h3>

<ol>
	<li>
	Open the MBANK app
	</li>
	<li>
	Go to Transaction History and find the incoming transfer (within the last 14 days)
	</li>
	<li>
	Open the transfer details
	</li>
	<li>
	Tap &ldquo;Return Money&rdquo;
	</li>
</ol>

The funds will be automatically returned to the sender.

<h2>Important Information</h2>

<ul>
	<li>
	A return is only possible with the recipient&rsquo;s consent
	</li>
	<li>
	You can request a return within 14 days after the transfer
	</li>
	<li>
	The return request remains active for 7 days
	</li>
	<li>
	All actions are recorded in history as &ldquo;Transfer Return&rdquo;
	</li>
	<li>
	Both parties receive notifications
	</li>
</ul>

Now, a mistaken transfer is no longer a reason to worry. The return process is designed to be as simple and clear as any familiar action in the app.

MBANK &mdash; services that give you confidence in any situation.

A Mistaken Transfer Is No Longer a Problem: MBANK Launches a Safe Money Return Service

MBANK continues to expand investment opportunities for its clients. A new tool is now available in the MINVEST app &mdash; REIT funds, which allow investing in U.S. real estate online, without purchasing properties directly.

REIT (Real Estate Investment Trust) are companies that own and manage real estate properties such as shopping centers, offices, residential complexes, warehouses, and other commercial real estate. By investing in REIT funds, clients effectively become co-owners of a diversified real estate portfolio.

U.S. Real Estate &mdash; Without Complications or Large Investments

Previously, investing in foreign real estate was available only to a limited number of investors due to high entry thresholds, legal complexities, and property management requirements. REIT funds solve this problem.

Through MINVEST, MBANK clients can:

<ul>
	<li>
	Invest in U.S. real estate online, directly from their smartphones;
	</li>
	<li>
	Start with small amounts thanks to fractional share purchases;
	</li>
	<li>
	Choose funds with different strategies and levels of returns;
	</li>
	<li>
	Independently analyze performance metrics and make investment decisions.
	</li>
</ul>

How to Start Investing in REIT Funds

The investment process is simple and consists of just a few steps:

<ol>
	<li>
	Install the MINVEST app from the App Store or Google Play.
	</li>
	<li>
	Complete a quick registration.
	</li>
	<li>
	Fund your brokerage account &mdash; instantly and commission-free through MBANK.
	</li>
	<li>
	Go to the &ldquo;Market&rdquo; section and open the REIT funds selection.
	</li>
	<li>
	Choose the fund you&rsquo;re interested in, review its description and performance metrics.
	</li>
	<li>
	Click &ldquo;Buy,&rdquo; enter the amount (fractional shares are available).
	</li>
	<li>
	Place the order &mdash; if the market is open, the transaction executes instantly.
	</li>
</ol>

A New Tool for Diversification and Passive Income

REIT funds are suitable both for beginner investors and those building a long-term investment portfolio. The tool allows for portfolio diversification, reduces dependency on a single market, and provides access to international assets.

The launch of REIT funds is another step by MBANK in developing digital investment solutions and expanding opportunities for its clients.

MINVEST by MBANK &mdash; invest in global markets easily, transparently, and online.

MBANK Launches Investments in REIT Funds — U.S. Real Estate Now Available Online

Dear clients, 
We would like to inform you about changes in interest rates for deposits of legal entities in the national currency (KGS).

The changes will take effect on February 5, 2026.

New deposit rates:

<ul>
	<li>
	&ldquo;Savings for Individual Entrepreneurs&rdquo; deposit &mdash; 6.50% per annum
	</li>
	<li>
	&ldquo;Daily&rdquo; deposit &mdash; 6.50% per annum
	</li>
</ul>

MBANK &mdash; The First Digital!&nbsp;

MBANK Deposit Interest Rate Update

Every day, thousands of people in Kyrgyzstan use taxis, minibuses, and buses. For passengers, not only the cost of the trip matters, but also safety. That is why the country has OSGOP &mdash; mandatory insurance of the carrier&rsquo;s civil liability to passengers.

<h3>What is OSGOP and why is it needed</h3>

OSGOPP is a mandatory insurance policy that protects passengers in case they are injured or killed during a trip if a road traffic accident occurred due to the carrier&rsquo;s fault.

Having a valid OSGOPP policy is a mandatory requirement for obtaining and renewing a passenger transportation license.

<h3>OSGOP vs. OSAGO: what&rsquo;s the difference?</h3>

These two types of insurance are often confused, although they protect different parties:

<ul>
	<li>
	OSAGO covers the driver&rsquo;s liability to other participants in a road traffic accident.
	</li>
	<li>
	OSGOPP protects passengers and covers the carrier&rsquo;s liability to the people being transported.
	</li>
</ul>

Simply put: 
OSAGO is about others, OSGOP is about your own passengers.

<h3>Who is required to have an OSGOP policy?</h3>

OSGOPP is mandatory for everyone engaged in passenger transportation, including:

<ul>
	<li>
	taxis,
	</li>
	<li>
	buses,
	</li>
	<li>
	intercity and international перевозки.
	</li>
</ul>

If you transport passengers on a commercial basis, an OSGOP policy is required by law.

<hr />
<h3>What does OSGOP cover?</h3>

In the event of a road accident or other incident, the insurance company compensates for:

<ul>
	<li>
	damage to a passenger&rsquo;s life;
	</li>
	<li>
	damage to a passenger&rsquo;s health;
	</li>
	<li>
	damage to a passenger&rsquo;s property.
	</li>
</ul>

This reduces the carrier&rsquo;s financial risks and guarantees passenger protection in unforeseen situations.

<h3>What happens if there is no policy?</h3>

Operating without OSGOPP can lead to serious consequences, including:

<ul>
	<li>
	refusal to issue or renew a license;
	</li>
	<li>
	fines;
	</li>
	<li>
	suspension of operations;
	</li>
	<li>
	full financial liability of the carrier for damage to passengers.
	</li>
</ul>

In practice, the absence of a policy threatens both the carrier&rsquo;s business and passenger safety.

<h3>How to get OSGOP online in just a few minutes</h3>

You can now apply for an OSGOP policy online through the MBANK mobile app:

<ol>
	<li>
	Open the MBANK app
	</li>
	<li>
	Go to &ldquo;Services&rdquo; &rarr; &ldquo;My Auto&rdquo;
	</li>
	<li>
	Select OSGOP
	</li>
	<li>
	Tap &ldquo;Apply for insurance&rdquo;
	</li>
	<li>
	Done!
	</li>
</ol>

OSGOP is not just insurance &mdash; it is a mandatory condition for legal passenger transportation in Kyrgyzstan. 
With MBANK, obtaining a policy is fast, convenient, and fully online.

MBANK &mdash; The First Digital! 
License No. 14 of the National Bank of the Kyrgyz Republic

OSGOP: Mandatory insurance for carriers and passenger protection in Kyrgyzstan

On January 31, 2026, the &ldquo;Marathon of prizes&rdquo; promotion officially came to an end. 
It was an intense period of activity, tasks, and vivid emotions, and today we can confidently state that the marathon has been completed and the grand prize winner has been determined.

<h3>How the Winner Was Determined</h3>

The grand prize winner is the Participant who took the position in the ticket leaderboard corresponding to the four-digit number formed at the end of the promotion &mdash; at 12:00 on January 31, 2026. 
Points were counted only for actions that were successfully recorded by the MBANK system before 11:59:59 ⏳

The final winning number was formed from the last four digits of:

<ul>
	<li>
	the total number of tickets
	</li>
	<li>
	the total number of points
	</li>
	<li>
	the total number of completed tasks
	</li>
	<li>
	the ticket number of the top MBANK user 🎫
	</li>
</ul>

We already know the potential owner of the apartment. The winner turned out to be the participant holding position No. 4860 in the ticket leaderboard.A mandatory verification process is currently underway to ensure that the grand prize is awarded to the participant who honestly completed tasks and earned points in accordance with the promotion rules. 
The verification process may take up to 6 business days ⏳

The official award ceremony for the grand prize will take place on February 15 at Asia Mall. 
Thank you to everyone for participating! We will be sharing all the details very soon &mdash; stay with us 💚

* The grand prize draw was conducted in strict compliance with the promotion rules published on the official MBANK website.

MBANK &mdash; The First Digital Bank! 
License No. 014, National Bank of the Kyrgyz Republic

Completion of the “Prize Marathon” Promotion and Determination of the Grand Prize Winner

MKassa extends the &ldquo;Zero to a Million&rdquo; promotion until March 31, 2026, opening up even more opportunities for entrepreneurs to grow and digitize their businesses.

If you are just planning to connect a POS terminal or want to switch to convenient and transparent payment acceptance, now is the best time. The promotion allows you to start with zero commission and no upfront costs.

<h3>Maximum benefits for your business</h3>

As part of the &ldquo;Zero to a Million&rdquo; promotion, entrepreneurs receive everything they need to get started:

<ul>
	<li>
	0% commission on card and QR payments
	</li>
	<li>
	A free POS terminal with no purchase or delivery fees
	</li>
	<li>
	A free cash register with automatic fiscalization (optional)
	</li>
	<li>
	Free transfers to MBANK 24/7
	</li>
</ul>

* The 0% commission terms apply to sole proprietors and LLCs for 3 months or until turnover reaches 1,000,000 KGS.

<h3>Who can participate</h3>

The promotion is available to all entrepreneurs who register for the MKassa service by March 31, 2026.

<h3>MKassa &mdash; when your business is under control</h3>

MKassa is more than just payment acceptance. It is a convenient digital service for managing your business:

<ul>
	<li>
	Accepting payments via cards and QR codes
	</li>
	<li>
	Managing outlets and cashiers
	</li>
	<li>
	Real-time analytics and transaction control
	</li>
	<li>
	Fast setup with no paperwork
	</li>
</ul>

Connect now and accept cashless payments on favorable terms: 
👉&nbsp;<a href="https://mbank.kg/mkassa" rel="noopener" target="_new">https://mbank.kg/mkassa</a>

MBANK &mdash; The First Digital! 
License No. 014 of the National Bank of the Kyrgyz Republic.

0% commission and a free POS terminal: MKassa extends the “Zero to a Million” promotion

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	102.8000	103.8000	103.4490
RUB	1.1350	1.1650	1.1356
KZT	0.1710	0.1800	0.1752

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!

Регистрация ИП онлайн с MBusiness

MBusiness – the best app for business

Salary project

MISLAMIC – Shariah Compliant Mobile Banking

MKassa

MBusiness

Deposits

Card for Your Business

Business loan

Business loan

Exchange rates

Nearest ATMs and branches