Nearest ATMs and branches

MBusiness and MBANK: July 31 – August 3

Tech Update

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Головной Офис ОАО "МБАНК"

MBusiness

False information is being circulated on social media and across the internet claiming that MBANK has allegedly launched a service called &ldquo;MBANK AI&rdquo; &mdash; an automated platform for trading financial assets.

MBANK officially states that the bank has no connection whatsoever with this product, and all information related to it is fraudulent.

The false information is being published on a fake website impersonating one of Kyrgyzstan&rsquo;s popular media outlets. In this way, scammers are trying to make their publications appear to come from a credible source and gain readers&rsquo; trust. The publication is also being promoted through paid advertising on Facebook, allowing scammers to reach an even wider audience.

What scammers are promoting

The fake messages claim that &ldquo;MBANK AI&rdquo; is an online investment platform that allegedly enables users to earn money, offers highly accurate predictions, and instantly executes profitable trades. Scammers promise returns of up to 450,000 KGS. This is false &mdash; MBANK does not offer or guarantee anything of the kind.

The name of Maksatbek Ishenbaev, Chairman of the Management Board of &quot;Mbank&quot;&nbsp;OJSC, is also being improperly used in such publications. We emphasize that he has no connection whatsoever with this scheme, and his name is being used by scammers without any basis.

The purpose of such publications is to mislead citizens and fraudulently obtain their money under the guise of high-yield investments.

What you need to know

MBANK has not launched any service or product called &ldquo;MBANK AI&rdquo;. Promises of guaranteed and instant investment returns are a clear sign of fraud.

Stay vigilant: always check the website address and verify that the source is official before clicking links in advertisements or social media messages. Official information about MBANK products and services is available only on the bank&rsquo;s official website and in the MBANK mobile app.

MBANK &mdash; the first digital. Made in Kyrgyzstan!

NBKR License No. 014.

Beware of scammers: MBANK refutes information about “MBANK AI”

Preparing for September 1 is always a challenge for the family budget. School uniforms, sportswear, comfortable shoes, a backpack, and stationery &mdash; the shopping list seems endless, especially when there are several schoolchildren in the family.

However, there is a way to buy everything you need at once without compromising on quality or putting a strain on your family budget.

Get Ready for School with M+ &mdash; No Overpayments

To make getting ready for the new school year easier, MBANK offers convenient M+ installment plans.

With M+, you can make all your school purchases now and pay for them in installments. This helps you manage your financial commitments wisely and start September with confidence. Benefits of M+:

● No overpayments and no down payment; 
● Flexible limit: choose the amount you need for your purchases &mdash; from 2,000 to 100,000 KGS; 
● Convenient term: installment plans are available for up to 12 months.

How to Apply for M+ and Pay for Your Purchases:

<ol start="1">
	<li>Ask the seller whether payment via M+ is available (or check the list of M+ partners in the &ldquo;Installments&rdquo; service);</li>
	<li>Open the MBANK app;</li>
	<li>Go to the &ldquo;Installments&rdquo; section on the home screen;</li>
	<li>Select &ldquo;Open M+&rdquo; and specify your desired limit;</li>
	<li>Scan the QR code, choose your payment schedule, and complete the purchase;</li>
	<li>Done!</li>
</ol>

Your child&rsquo;s comfort and education are the most important investments in their future. Apply for an M+ installment plan from MBANK and choose the best for your children without putting unnecessary pressure on your budget!

MBANK &mdash; the first digital!

License No. 014 of the NBKR

How to Get Your Child Ready for School Without Extra Expenses or Stress with M+

MBANK informs you about the operating schedule of its branches. Customer consultations, cash deposits and withdrawals via ATMs and payment terminals, as well as card issuance and reissuance through card kiosks, will be available as usual.

Important: Cash deposits and withdrawals at branch cash desks will not be available on these days.

We sincerely appreciate your trust and thank you for your understanding!

MBANK Branch Operations on August 8–9: Available Services

MBusiness Operations on August 8&ndash;9: What You Need to Know 
 
Please note the following specifics regarding MBusiness payment transactions this weekend: 
 
&bull; Outgoing payments 
You can make payments, including transfers to MBANK accounts. However, the actual crediting of funds and their reflection in reports will take place on August 10. 
 
&bull; QR payments 
QR payments will remain available. However, funds will be credited to the account and transactions will appear in reports only on August 10. 
 
&bull; Loans and currency exchange 
These services will be unavailable over the weekend. They will resume as soon as the technical update is completed. 
 
&bull; Withdrawals in the MKassa app 
Fund withdrawals in the MKassa app will be unavailable during the weekend, August 8&ndash;9. 
 
We sincerely appreciate your trust and thank you for your understanding!

MBusiness on August 8–9: Important Information

If your scheduled payment date falls between August 1 and August 7 (inclusive), the automatic debit deadline has been extended until 4:00 PM on August 10.

This applies to loans, financing, and installment plans in MBANK, MIslamic, M+, and MBusiness. Automatic debiting has already begun.

What you need to do:

<ul>
	<li>Top up your card with the required amount and keep sufficient funds on your balance.</li>
	<li>On August 10, check the payment status in the app.</li>
	<li>If the payment is not debited automatically, tap &quot;Pay&quot; and complete the payment manually before 4:00 PM.</li>
</ul>

If the required amount is available on your card, no penalties or late fees will be charged, and your credit history will not be affected.

Trust only official sources! Incomplete or inaccurate information may appear online. We strongly recommend relying only on MBANK&rsquo;s official website and the bank&rsquo;s verified social media pages.

We sincerely appreciate your trust and thank you for your understanding!

MBANK Extends Loan Payment Deadline Without Penalties Until August 10

<h3>We Have Completed the Key Stage of Our Major System Upgrade</h3>

We have successfully completed the key stage of our large-scale system upgrade. Our primary goal is to make all financial services even more reliable and convenient for your business and everyday banking needs.

<h2>Current Service Status</h2>

Our specialists continue to gradually launch and configure all banking products.

<h3>Available and operating normally:</h3>

<ul>
	<li>Account opening</li>
	<li>Transfers to MBANK</li>
	<li>Transfers to other banks in the Kyrgyz Republic</li>
	<li>International SWIFT and Visa to Account transfers</li>
	<li>Government services (tax payments, fines, municipal rent payments, etc.)</li>
	<li>Payments to partners</li>
	<li>My Home, utility payment services, and MTravel</li>
	<li>Deposit top-ups and withdrawals</li>
	<li>Payroll services (salary payments, payroll statements, employee management)</li>
	<li>Card management (activation, PIN setup, SMS notifications, card blocking)</li>
	<li>Report submission</li>
	<li>Electronic tax invoices (ESF)</li>
	<li>Loan disbursements</li>
	<li>Loan repayments</li>
</ul>

<h3>IMPORTANT</h3>

Payments accepted during the update are currently being processed and credited in stages.

Some amounts are already reflected in customer accounts and statements, while the remaining funds will be credited shortly. The system requires additional time to process all transactions correctly.

All funds remain under our control and are guaranteed to be credited to your accounts.

<h2>Available with Temporary Limitations</h2>

<ul>
	<li>Transfers between your own accounts</li>
	<li>Internal transfers within the Bank</li>
	<li>Incoming QR payments</li>
	<li>Outgoing QR payments and commission processing</li>
</ul>

<h2>Currently Being Restored (Coming Soon)</h2>

<ul>
	<li>Opening new deposits</li>
	<li>Currency exchange</li>
</ul>

<h2>Loan Repayments</h2>

To ensure that the technical update does not create additional inconvenience, we have adjusted the repayment schedule.

Extended payment period: 
If your scheduled loan payment falls between August 1 and August 6 (inclusive), the repayment deadline has been automatically extended until 4:00 PM on August 7.

No penalties or late fees: 
No penalties or late payment fees will be charged during this period.

Your credit history is protected: 
The automatic extension will not affect your credit history.

<h3>What You Need to Do</h3>

No manual action is required.

Simply make sure you have sufficient funds on your card or account. The Bank will automatically debit your payment by 4:00 PM on August 7.

<h2>Please Trust Only Official Sources</h2>

During the system stabilization period, incomplete or inaccurate information may appear online.

We strongly recommend relying only on the official communication channels of MBANK and MBusiness, our official website, and the Bank&#39;s verified social media pages.

We sincerely appreciate your trust and thank you for your understanding!

Important Information: MBusiness Operations After the Technical Update

MBANK has won three prestigious titles at the internationally renowned Euromoney Awards for Excellence 2026:

<ul>
	<li>Kyrgyzstan&rsquo;s Best Bank</li>
	<li>Kyrgyzstan&rsquo;s Best Bank for SMEs</li>
	<li>Kyrgyzstan&rsquo;s Best Islamic Bank</li>
</ul>

<h3>Kyrgyzstan&rsquo;s Best Bank</h3>

The Euromoney Awards for Excellence judges recognized that MBANK&rsquo;s success is driven by a combination of scale, sustainable growth, and deep digital transformation.

In 2025, the Bank demonstrated balanced growth across all key business areas, including retail, corporate banking, and the SME segment. Retail revenue increased by 38%, the loan portfolio nearly doubled, and the number of customers grew by 20%. The corporate business delivered similar results: revenue increased by more than 30%, business lending grew by 79%, and the corporate client base nearly doubled.

Behind these figures lies a principle that MBANK has consistently pursued for several years. The Bank strives to stay close to its customers through digital services, making banking faster, simpler, and more accessible. Today, more than 99% of retail products are fully available online, while opening an account takes just three minutes.

<h3>Kyrgyzstan&rsquo;s Best Bank for SMEs</h3>

MBANK also received recognition for its comprehensive approach to the digitalization of entrepreneurship.

The MBusiness platform combines account management, payments, and transaction monitoring in a convenient mobile format. Entrepreneurs can remotely open a settlement account and obtain entrepreneur status without visiting the tax authorities.

The MKassa service further expands these capabilities by providing a complete payment acceptance solution. Registration is completed via smartphone, while the service package includes card and QR payment acceptance, management of outlets and cashiers, transaction analytics, and an optional online cash register.

The judges also highlighted the Daily Deposit product launched in MBusiness in April 2025, which accrues interest on account balances every day.

Another initiative recognized by Euromoney was She&rsquo;s Next, the women&rsquo;s entrepreneurship support program launched by MBANK in partnership with Visa in 2025. Six winners of the business plan competition shared grants totaling USD 19,000, while finalists gained access to preferential financing, including unsecured loans of up to KGS 500,000.

In addition, MBANK joined the EBRD WE Finance Code initiative and introduced a dedicated financing program for women entrepreneurs &mdash; Business Women.

<h3>Kyrgyzstan&rsquo;s Best Islamic Bank</h3>

The third award reinforces MBANK&rsquo;s leadership in Islamic banking, which the Bank develops through its MIslamic division.

The judges noted that MBANK has built the largest Islamic financing portfolio in the country along with a substantial Islamic deposit base. The contribution of its Islamic banking segment to the industry&#39;s overall profit further demonstrates its commercial sustainability.

The Bank offers a full range of Shariah-compliant financial products for retail, corporate, and SME customers based on instruments such as Murabaha, Ijara, Istisna, and Qard Hasan. These solutions support business development, asset acquisition, and savings through profit-sharing models.

Digitalization plays a key role in this success. MBANK continues to develop a fully integrated mobile ecosystem for Islamic banking, enabling customers to access financing, deposits, and transaction services within a single application.

<h3>About the Award</h3>

The Euromoney Awards for Excellence has been held for 35 years and remains the most prestigious, longest-running, and most comprehensive awards program in the global banking industry.

Among last year&rsquo;s winners were leading international financial institutions such as DBS, Morgan Stanley, Citi, HSBC, Revolut, Santander, Bank of America, and Soci&eacute;t&eacute; G&eacute;n&eacute;rale.

MBANK Recognized as Kyrgyzstan’s Best Bank by Euromoney Awards for Excellence 2026

If your scheduled loan payment falls between August 1 and August 6 (inclusive), the payment due date will be automatically extended until 4:00 PM on August 7.

This applies to loans, financing, and installment plans provided through MBANK, MIslamic, M+, and MBusiness.

You don&#39;t need to do anything manually. Simply make sure you have sufficient funds on your card, and the payment will be debited automatically.

No penalties or late fees will be charged, and your credit history will remain unaffected.

Thank you for your trust!

MBANK Extends Loan Payment Deadlines with No Penalties

Dear customers,

Please be informed that effective August 18, 2026, changes to the tariffs of the &ldquo;Transfer to Uzbekistan&rdquo; service will come into effect.

Starting from this date, the service will be provided on a paid basis.

The transfer fee will be 0.5% of the transfer amount.

MBANK &mdash; the first digital! 
License of the National Bank of the Kyrgyz Republic No. 014.

Changes to the “Transfer to Uzbekistan” Service Terms

News

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

Currency	Purchase	Sale	NBKR
USD	0.0000	0.0000	87.4500
EUR	0.0000	0.0000	100.8823
RUB	0.0000	0.0000	1.0604
KZT	0.0000	0.0000	0.1879

Tech Update

Visa Business Card Promotion!

0% commission on payment acceptance up to 3,000,000 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