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MBusiness – the best app for business

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16% for Individual Entrepreneurs in MBusiness

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MBusiness

We are proud to share important news for our entire team and our clients: the MProfi project by MBANK won first place in the &ldquo;Best Social Project INTERNATIONAL&rdquo; nomination at the international Best Experience Marketing Awards (bema!) festival in Moscow.

For us, this victory is more than just a trophy on the office shelf. It is recognition that technology can &mdash; and should &mdash; improve people&rsquo;s lives, even in the most conservative sectors.

<h3>Why does it matter?</h3>

In Kyrgyzstan, especially in Bishkek, everyone knows the &ldquo;labor market&rdquo; on Lev Tolstoy Street. For decades, people have stood there in any weather, waiting for occasional work without guarantees or stability. We decided that our digital ecosystem should become a bridge for them to a modern and safer future.

<h3>How we made it happen</h3>

Our team did more than develop software &mdash; we went out into the streets. We spoke directly with workers, helped them register in MProfi, and trained them to use the application.

<h3>What was done:</h3>

&ldquo;General Workers&rdquo; Category: 
We launched a new section in the app, making these workers&rsquo; services visible to millions of MBANK users.

Digital Craftsman Passport: 
We helped workers create professional profiles, photographed their work, and built digital portfolios directly on their smartphones.

Real Support: 
Beyond digital tools, we aimed to make their working day a little easier by providing hot meals and high-quality work uniforms.

<h3>International Recognition</h3>

The bema! festival is an international competition in marketing and communications. Our project received the Gold Award in the &ldquo;Best Social Project INTERNATIONAL&rdquo; category. The fact that we outperformed cases from some of the world&rsquo;s largest brands confirms that innovation combined with a genuine desire to benefit society is highly valued.

<h3>Our Mission</h3>

At MBANK, we believe that work should find the person &mdash; not the other way around. We are convinced that digitalization is the best way to restore dignity to labor and give people the opportunity to earn honestly and steadily.

We thank the jury for their high recognition and promise not to stop here. MProfi will continue to grow, connecting those who are looking for work with those who need reliable hands.

MBANK &mdash; the first digital bank. Made in Kyrgyzstan.

Digitizing the Labor Market on Lev Tolstoy Street: MBANK Project Recognized as the Best at the bema! Awards

We inform you about the approval of new versions of the following documents:

<ul>
	<li>
	Public Offer Agreement for obtaining credit products issued in cashless/cash form by transfer to a card account and/or to a Bank Partner&rsquo;s account, as well as remotely via the MBANK service.
	</li>
	<li>
	Public Offer for concluding a Comprehensive Banking Service Agreement for legal entities/individual entrepreneurs.
	</li>
</ul>

The updated documents come into effect on March 6.

Updated Lending and Banking Service Terms

Bishkek, Kyrgyz Republic, February 20, 2026 &mdash; Mastercard, in partnership with MBANK, announces the launch of a campaign for premium Mastercard World Elite cardholders. The winner of the campaign, together with a companion, will travel to Budapest to attend the UEFA Champions League Final &mdash; Europe&rsquo;s most prestigious football event.

The campaign gives cardholders the opportunity to enjoy premium service benefits and the chance to attend the UEFA Champions League Final.

<h2>Your ticket to the Final starts with Mastercard World Elite</h2>

To participate, order a premium Mastercard World Elite card in the MBANK app with free delivery. Make purchases ranging from everyday expenses to travel, restaurants, and jewelry, and increase your chances of winning with every transaction.

The winner will be the participant who completes transactions with the highest total amount (volume) during the campaign period. Become the most active cardholder and win the trip of a lifetime.

<h2>Grand Prize</h2>

The winner will receive a trip for two to Budapest to attend the UEFA Champions League Final. The prize includes:

<ul>
	<li>
	Hotel accommodation for two;
	</li>
	<li>
	Two Category 1 match tickets;
	</li>
	<li>
	A welcome gift from Mastercard and UEFA;
	</li>
	<li>
	Transfers: airport&ndash;hotel&ndash;airport and hotel&ndash;stadium&ndash;hotel.
	</li>
</ul>

The campaign will run from February 20 to April 10, 2026, and is open to fully verified MBANK customers who are residents of the Kyrgyz Republic.

<h2>Premium benefits every day</h2>

Mastercard World Elite by MBANK offers not only participation in the campaign, but also a range of premium services designed for comfortable payments and travel. The card provides access to the following everyday benefits:

<ol>
	<li>
	Cashback up to 7% &mdash; 7% on jewelry purchases and 3% on all other purchases, returning value with every payment.
	</li>
	<li>
	Unlimited access to LoungeKey &mdash; Access over 1,100 airport lounges worldwide and travel in comfort.
	</li>
	<li>
	International insurance coverage up to $500,000 &mdash; Travel and medical insurance for you and your family.
	</li>
	<li>
	Unlimited Fast Track access &mdash; Priority airport security screening with no queues.
	</li>
	<li>
	3 GB of free global internet &mdash; Flexiroam eSIM for seamless connectivity worldwide.
	</li>
	<li>
	Discounts and special offers at over 1,000 restaurants within Mastercard&rsquo;s global partner network.
	</li>
	<li>
	Platinum tier in the MBONUS loyalty program &mdash; More rewards and exclusive privileges.
	</li>
	<li>
	Free cash withdrawals &mdash; No fees at ATMs across Kyrgyzstan and up to $1,000 per month abroad.
	</li>
	<li>
	Priority access to the bank&rsquo;s contact center &mdash; Fast connection to an operator without waiting.
	</li>
</ol>

The card issuance and annual maintenance fee is 15,000 KGS.

<a href="https://mbank.kg/media/documents_page/documents/Prilozhenie_1_Pravila_Final_Ligi_chempionov_ot_Mbank_i_Mastercard.pdf" style="color:blue; text-decoration:underline">Learn more about the promotion terms here.</a>

<h2>About MBANK</h2>

MBANK is the first digital bank in Kyrgyzstan, offering a wide range of financial services to individual and corporate clients.

<h2>About Mastercard (NYSE: MA)</h2>

Mastercard powers economies and empowers people in more than 200 countries and territories worldwide. Together with its customers, Mastercard is building a sustainable economy where everyone can prosper. The company supports a wide range of digital payment solutions, making transactions secure, simple, smart, and accessible. Its technology, innovation, partnerships, and networks help individuals, businesses, and governments realize their greatest potential.

Mastercard and MBANK are launching an exclusive campaign, offering a once-in-a-lifetime grand prize — a trip to the UEFA Champions League Final

Kyrgyzstan is a country where travel becomes a true escape from city life. Its nature impresses at first sight, and every route brings new эмоtions and discoveries.

Dreaming of bright adventures? Majestic gorges and dramatic canyons are already waiting for you. And the snow-covered slopes of Karakol are a must-see for everyone.

If you prefer a relaxing getaway without long trips, explore cozy eco-glamping spots near Bishkek &mdash; a perfect way to change your surroundings, enjoy nature, and truly unwind.

<h3>Favorite Destinations Now Even More Accessible</h3>

MBANK announces the launch of a spring campaign for all domestic travel lovers. Now, for every accommodation booking made through the MTravel service, users receive 10% cashback.

<h3>Travel That Pays Off</h3>

From February 20 to March 20, planning trips within the country is not only easier but also more rewarding. As part of the new campaign, you receive cashback when you make a full payment for hotel and guest house bookings.

<h3>Key Benefits of the Campaign:</h3>

<ul>
	<li>
	Cashback policy: you can travel to different places every weekend, but cashback is not начислен for repeated bookings at the same hotel/guest house;
	</li>
	<li>
	Transparency: you see the bonus amount before payment &mdash; on hotel cards and in booking details;
	</li>
	<li>
	Convenience: the entire process, from choosing a location to payment, takes place within the MBANK app.
	</li>
</ul>

<h3>How to Book and Get Your Bonus</h3>

It only takes a few minutes:

<ol>
	<li>
	Open the MBANK app and go to the MTravel service;
	</li>
	<li>
	Select the &ldquo;Kyrgyzstan&rdquo; section;
	</li>
	<li>
	Choose your destination;
	</li>
	<li>
	Enter your dates, number of guests, and tap &ldquo;Find Accommodation&rdquo;;
	</li>
	<li>
	Select your preferred room and make full payment.
	</li>
</ol>

The system will immediately record your bonus. Cashback will be credited to your account, making your next trip even more enjoyable.

<h3>More Than Just Booking</h3>

MTravel is a universal assistant for travelers. In addition to accommodation search, the service allows you to instantly purchase airline tickets worldwide and choose tours. It&rsquo;s the perfect solution for those who value their time and want to get maximum benefits from their bank.

MBANK &mdash; the first digital! 
License No. 014 of the National Bank of the Kyrgyz Republic.

Travel Around Kyrgyzstan with Benefits: MBANK Launches 10% Cashback in MTravel

February 23rd is approaching &mdash; a day when we поздравляем our husbands, fathers, sons, brothers, and others. But how do you choose the right gift &mdash; one that brings a sincere &ldquo;Wow!&rdquo;?

This year, forget about boring, standard gift sets. At MMarket, you&rsquo;ll find a wide selection of gifts for absolutely everyone.

<h3>The Secret to a Perfect Gift</h3>

If comfort and practicality matter to him, pay attention to things that truly make everyday life easier. 
Home appliances, such as an air humidifier, create a cozy atmosphere for work and relaxation, while smartwatches help track activity, plan the day, and stay on top of important tasks.

If his element is mountains, nature, and the road, a high-quality thermos is an excellent choice. 
Whether hiking, fishing, or traveling, it will keep drinks warm and become an indispensable companion in any conditions.

For those who live for technology and always follow the latest trends, modern gadgets, smart devices, and functional accessories are the perfect match. Such gifts are not only exciting but also truly useful.

And if style is especially important to him, choose something that highlights individuality: a premium fragrance or a prestigious watch will become a bright accent of his image and remind him of your attention every day.

<h3>How to Buy a Gift Without Stress</h3>

You don&rsquo;t have to spend huge amounts. What matters most is attention to detail and a bit of planning.

And everything else is taken care of by MMarket:

<ul>
	<li>
	Special discounts up to 70% off for Defender of the Fatherland Day
	</li>
	<li>
	Installment plans from 3 to 12 months with no overpayment
	</li>
	<li>
	Free 1-day delivery across Kyrgyzstan for orders over 2,000 KGS
	</li>
</ul>

<h3>How to Order a Gift</h3>

<ol>
	<li>
	<a href="https://m-market.kg/catalog/?event_slug=den-zashchitnika">Open MMarket</a> in the MBANK app
	</li>
	<li>
	Choose the perfect gift from a wide assortment
	</li>
	<li>
	Pay immediately or apply for an installment plan
	</li>
	<li>
	Select delivery or store pickup
	</li>
	<li>
	Done!
	</li>
</ol>

MMarket &mdash; the first national marketplace 
License No. 014 NB KR

How to Give a February 23rd Gift That Your Loved Ones Will Truly Enjoy

The holy month of Ramadan is a special time of spiritual renewal, good deeds, and sincere generosity. At MIslamic, we understand how important these days are for each of you, and we want this month to be truly blessed and easy for our clients.

This year, we have prepared the &laquo;Generous Ramadan&raquo; campaign. For us, it is not just a loyalty program, but an opportunity to express our support for your traditions.

How to get 10% cashback with &laquo;Generous Ramadan&raquo;?

We have made the participation process as simple and transparent as possible, in line with our shared principles of honesty:

<ol>
	<li style="list-style-type:decimal">Share iftar with your loved ones. From February 19 to March 19, pay for cafe and restaurants and food delivery using your MIslamic Gold card.</li>
	<li style="list-style-type:decimal">Watch the amount. To receive cashback, the receipt total must be at least 1,000 KGS.</li>
	<li style="list-style-type:decimal">Use MKassa terminals. Simply ask the waiter or courier to bring an MKassa system terminal for payment.</li>
	<li style="list-style-type:decimal">Receive bonuses. We will return 10% of your payment within three days after payment,&nbsp;directly to your app. You can check your bonuses in the &laquo;My Bonuses&raquo; section of the MIslamic or MBANK apps.</li>
</ol>

Join us in a month of good deeds! If you don&rsquo;t yet have an MIslamic Gold card, now is the perfect time to open one.

The maximum cashback amount during the entire campaign period is 1,000 KGS.

MBANK &mdash; Made in Kyrgyzstan! 
License NBKR №014/1

&nbsp;

«Generous Ramadan»: sharing care and generosity together with MIslamic

Approval in 7 Seconds: MBusiness Lowers Online Loan Rate for Entrepreneurs to a Record 16%

When your business requires urgent investment&nbsp; for inventory, equipment, or rent time becomes a critical resource. There is no longer any need to wait weeks for a bank&rsquo;s decision. The MBusiness online loan for individual entrepreneurs is now available on even more favorable terms, with the interest rate reduced to 16% per annum.

Why is this convenient?

<ul>
	<li style="list-style-type:disc">Reduced interest rate: 16% per annum - currently one of the most competitive offers for business development.</li>
	<li style="list-style-type:disc">Fully online: no certificates, no branch visits, no queues.</li>
	<li style="list-style-type:disc">Speed: your application is reviewed in just 7 seconds. While you plan your next step, the decision is already made.</li>
</ul>

Simple and transparent terms:

<ul>
	<li style="list-style-type:disc">Loan amount: up to 500,000 KGS;</li>
	<li style="list-style-type:disc">Term: up to 36 months;</li>
	<li style="list-style-type:disc">Eligibility: individual entrepreneurs aged 18 to 65;</li>
	<li style="list-style-type:disc">Convenience: fully online application, no paper documents required.</li>
</ul>

If you need up to 200,000 KGS, the funds are instantly credited to your settlement account. For higher amounts, you are welcome to visit a branch of MBANK to complete the disbursement process. 
Do not postpone the growth of your business.

According to the official website of MBANK, the EIR&nbsp;is 18.53%.

MBANK &mdash; the first digital bank. Made in Kyrgyzstan!

&nbsp;

Approval in 7 Seconds: MBusiness Lowers Online Loan Rate for Entrepreneurs to a Record 16%

MBANK Announces the Winners of the &laquo;Prize Marathon&raquo;: Summing Up the Year&rsquo;s Largest Fintech Project

On February 15, 2026, at Asia Mall shopping center, we solemnly concluded the &laquo;Prize Marathon&raquo;&nbsp;&mdash; a large-scale initiative aimed at developing our digital ecosystem in Kyrgyzstan.

The project lasted four months &mdash; from October 2025 to January 31, 2026 &mdash; and brought together thousands of our clients across the country. The uniqueness of the &laquo;Marathon&raquo;&nbsp;&nbsp;lay in its full integration into the mobile application: users accumulated points for actively using banking products, turning everyday payments and transfers into tickets for participation in the prize draw.

Grand Prize

The highlight of the evening was the presentation of the keys to a new one-room apartment in the Loft residential complex from our partner, Borsan Construction. The winner received the well-deserved prize to the applause of guests and performances by pop stars Freeman 996, Tamga, and Aidana Deka.

Maksatbek Beishenbekovich Ishenbaev, Chairman of the Management Board of OJSC &laquo;MBank&raquo;&nbsp;:

&laquo;Thousands of everyday payments turned into a chance to win the grand prize. For some, they were just numbers in the app &mdash; today, they are keys in hand. For MBANK, projects like this are not just about prizes. They are about trust, a transparent digital system, and real changes in people&rsquo;s lives&raquo;.

Maksat E. A., Grand Prize Winner:

&laquo;The emotions are very mixed; perhaps the full realization will come later. Of course, I dreamed of owning an apartment in Bishkek. I actively use MBANK and ecosystem services: I tried MProfi and MInvest, and searched for products in MMarket. I used the app daily, simply making transfers and payments like everyone else&raquo;.

Prize Fund and Key Results

The total prize fund of the project exceeded 25,000,000 soms. In total, 10,581 prize positions were предусмотрено, including major cash certificates:&nbsp;1 000 000 soms &mdash; 10 certificates;&nbsp;500 000 soms &mdash; 20 certificates;&nbsp;100 000 soms &mdash; 50 certificates.

Transparency and Digital Standards

The winners were determined on January 31 at 12:00 PM using an automated digital system. This ensured 100% transparency and completely eliminated the human factor.

The final event at &laquo;Asia Mall&raquo;&nbsp;&nbsp;&nbsp;gathered more than 500 guests, serving as the official confirmation of the results and a platform to honor the main prize winners.

The Future with Us

The completion of the &laquo;Prize Marathon&raquo;&nbsp;&nbsp;once again confirmed our leadership in implementing large-scale digital initiatives. We continue to follow our digitalization strategy, introduce advanced solutions, and create new opportunities for our clients.

MBANK &mdash; the first digital bank! Made in Kyrgyzstan!

&nbsp;

&nbsp;

MBANK Announces the Winners of the “Prize Marathon”: Summing Up the Year’s Largest Fintech Project

MBANK is working to soar even higher!&nbsp;

We continuously improve our services to make everything work even faster and more reliably.

On February 15, from 05:00 to 05:10 AM, brief maintenance will be carried out in the app. During these 10 minutes, QR payments and MPay transactions may be temporarily unavailable.

Payments with MBANK cards will operate without any restrictions &mdash; feel free to use them as usual.

We have специально chosen a time when most of you are resting to minimize any inconvenience.

Thank you for your understanding and trust! You&rsquo;re the best!&nbsp;

&nbsp;

Technical work

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	103.2172
RUB	1.1250	1.1550	1.1383
KZT	0.1650	0.1820	0.1742

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

16% for Individual Entrepreneurs in MBusiness

MKassa

MBusiness

Deposits

Card for Your Business

Business loan

Business loan

Exchange rates

Nearest ATMs and branches