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

Up to 500,000 KGS at 22% — no collateral, no paperwork, 24/7 access via MBusiness

Profitable online loan for individual entrepreneurs

Card for Your Business

Прием безналичной оплаты по QR-коду и картам

MKassa

Business loan

#000000

Deposits

Головной Офис ОАО "МБАНК"

MBusiness

Start the New Year with the right decision and take care of your finances in advance. MBANK is launching the &ldquo;New Year Deposit&rdquo; with an increased rate of up to 16% per annum.

How to protect your money during inflation 
Deposits are a reliable way to preserve money during inflation while also earning income. The end of the year is exactly the time when people seek financial stability, and the increased holiday rate makes this deposit even more attractive.

A deposit you choose yourself

<ul>
	<li>
	16% per annum for 9 months
	</li>
	<li>
	15.5% per annum for 12 months
	</li>
</ul>

Open the &ldquo;New Year Deposit&rdquo; from MBANK 
Simple and convenient process:

<ul>
	<li>
	Online &mdash; in just a couple of minutes in the MBANK app, &ldquo;Deposits&rdquo; section
	</li>
	<li>
	Offline &mdash; at any bank branch
	</li>
</ul>

Deposit conditions 
&bull; Minimum amount &mdash; 1,000 KGS, maximum amount is unlimited 
&bull; Top-ups and partial withdrawals are not available; interest is accrued and paid monthly 
&bull; Deposit currency &mdash; KGS 
&bull; Open an unlimited number of deposits 
&bull; &ldquo;New Year Deposit&rdquo; is available until 31.12.2025 
The bank reserves the right to end the promotion early.

The &ldquo;New Year Deposit&rdquo; from MBANK &mdash; make your money stronger and your plans for next year more confident. Open your deposit today and enter the holidays with benefits.

MBANK &ndash; The First Digital Bank!

NBKR License No. 014

Savings that grow faster: “New Year Deposit” up to 16% from MBANK

MBANK continues to develop its regional network, increasing access to advanced and modernized financial services for residents of the Osh region.

MBANK has relocated and upgraded two key service locations at once: one in the southern capital, Osh city, and the other in Uzgen city. This strategic modernization brings both digital and traditional banking products even closer and more convenient for customers in the regions.

Osh Office: 101/3 Bekmamat Osmonov Street 
Uzgen Office: 39 Manas Street

MBANK continues to demonstrate its commitment to investing in the regions by providing accessible banking solutions to residents of the Osh region.

MBANK &ndash; the first digital bank! 
NBKR License №014

MBANK Expands Its Horizons: Opening Two New Savings Offices in Osh Region!

Honest Finance &mdash; Mudarabah&rsquo;s Core Mission 
Today, as traditional financial instruments face ethical scrutiny, choosing a financial product that fully complies with Sharia principles has become essential for anyone seeking prosperity.

MIslamic offers a solution: Mudarabah &mdash; a deposit that not only fully adheres to Sharia but also offers returns of up to 15.5%. Moreover, from November 24 to December 30, 2025 (inclusive), the 9-month deposit yield is increased to 16%. This makes our product the most competitive in the Sharia-compliant finance market, proving that faith and profit can go hand in hand.

What is Mudarabah? Partnership, Not Debt

Unlike traditional deposits, where the Bank and the Client are linked as lender and borrower (Riba/Interest), Mudarabah is based on an investment partnership contract between two parties:

<ul>
	<li>
	Rabb-ul-Mal (Client): You, providing the capital.
	</li>
	<li>
	Mudarib (Bank - MIslamic): Us, managing the capital.
	</li>
	<li>
	Contract: Investment in real business
	</li>
</ul>

Funds placed under a Mudarabah agreement are not used for lending. Instead, they are directed to finance economic sectors &mdash; businesses and the purchase of goods.

Important fact: Investments and purchased goods are fully Sharia-compliant. We avoid financing sectors prohibited in Islam (e.g., gambling or alcohol production).

The Bank independently selects the most profitable and Sharia-compliant sectors to invest your funds, maximizing potential returns.

Profit Sharing and Fair Risk

<ul>
	<li>
	Profit: If MIslamic earns profit from investing your funds, it is shared between you and the Bank in pre-agreed proportions.
	</li>
	<li>
	Loss: If losses occur not due to the Bank&rsquo;s fault, the Client bears the loss proportionally to their investment. The Bank does not receive compensation for its management. This principle of shared risk and profit (مُشَارَكَة فِي الرِّبْحِ وَ الْخَسَارَة) is the foundation of Islamic banking.
	</li>
</ul>

Stability Protection: To maintain a certain level of returns, we establish a Profit Equalization Reserve (PER). These are funds the Bank allocates from its share of net profit to mitigate potential investment losses for clients in the future.

Feature: Returns Up to 16%

We announce: our Mudarabah deposit offers returns of up to 15.5%, and from November 24 to December 30, 2025 (inclusive), the 9-month deposit yield is increased to 16%. This record figure reflects the Bank&rsquo;s successful investment activity, fully compliant with Sharia principles.

Key Terms of the &ldquo;Unlimited Term&rdquo; Mudarabah Deposit

For individuals, this deposit is available with a minimum amount of 1,000 KGS / 50 USD for terms from 3 to 36 months. Profit is paid monthly to your demand card account. Please note: the Mudarabah account is not intended for transactions and does not allow partial withdrawals or additional deposits to the principal. In case of early termination, the Bank deducts previously paid profits from the principal.

Additional deposits are available via the Mudarabah Accumulative account.

Mudarabah Soon on Your Smartphone via the MIslamic App

The Mudarabah product is already available for offline opening at all MIslamic branches. We are working to make it possible to open Mudarabah online, directly through the MIslamic app.

Grow your funds in accordance with Sharia principles with MIslamic.

NBKR License №014/1

Mudarabah: Sharia-Compliant Investments with Record Returns — Up to 16%

Уважаемые клиенты! 
Информируем о внесении дополнений в условия акции &laquo;Марафон призов&raquo;. 
Изменения связаны с расширением перечня заданий, за выполнение которых начисляются баллы. 
Дата вступления дополнений в силу &mdash; 24&nbsp;ноября 2025 года. 
Следите за обновлениями и увеличивайте свои шансы на главный приз &mdash; квартиру и более 25 миллионов сомов призов от MBANK.

О внесении дополнений в условия акции «Марафон призов».

From November 27 to 30, the MBANK mobile app is launching Green Friday &mdash; one of the biggest sales events of the season in Kyrgyzstan. Shoppers can expect huge discounts, free delivery on orders from 2,000 KGS, and the grand prize of the MBANK Marathon &mdash; an apartment.

Thousands of products in categories such as Electronics, Kids&rsquo; Goods, Home &amp; Living, Beauty &amp; Health, and many more will be available with discounts of up to 70%. The campaign brings together a wide range of local and international sellers, and the assortment is curated based on the most popular customer requests.

What MMarket customers can expect during Green Friday:

<ul>
	<li>
	Discounts up to 70%
	</li>
	<li>
	Free delivery on orders from 2,000 KGS
	</li>
	<li>
	Affordable installment plans with no extra fees for 3 to 12 months
	</li>
</ul>

Every purchase is a chance to win an apartment

During the promotion, you&rsquo;ll earn double points in the MBANK Prize Marathon:

<ul>
	<li>
	400 points &mdash; for orders from 2,000 KGS with courier delivery
	</li>
	<li>
	500 points &mdash; for pickup from a pickup point starting from 1,000 KGS
	</li>
</ul>

Points are awarded once per day upon completing the task. 
Don&rsquo;t miss your chance: thousands of discounted products, free delivery, convenient installment plans, and double points in the Prize Marathon &mdash; all waiting for you during Green Friday at MMarket!

MBANK &mdash; The First Digital Bank! 
License No. 014, National Bank of the Kyrgyz Republic

Green Friday at MMarket: thousands of products with discounts up to 70% and a chance to win an apartment from MBANK

Want to shop at your favorite malls and earn rewards? Great news! 
MBANK is launching a special promotion: 10% cashback on all purchases made at the &ldquo;Tash-Rabat&rdquo; and &ldquo;BUM&rdquo; shopping malls!

Now every shopping trip becomes not only enjoyable, but profitable. 
The main condition: pay through the MKassa QR code in the MBANK mobile app.

How to get 10% cashback:

&bull; Visit the &ldquo;Tash-Rabat&rdquo; or &ldquo;BUM&rdquo; malls 
&bull; Choose products from sellers who accept MKassa QR payments 
&bull; Pay by simply scanning the QR code in the MBANK app 
&bull; Receive 10% cashback automatically &mdash; no registration, no extra steps

Similar cashback promotions with MKassa are also active at the Ortosay and Alamedin markets. 
Maximum cashback: 1,000 bonus points during the promotion period in each mall.

And that&rsquo;s not all! 
Your purchases at &ldquo;Tash-Rabat&rdquo; and &ldquo;BUM&rdquo; also give you a chance to win valuable prizes. 
Every purchase from 1,000 KGS, paid through MKassa QR, automatically brings you points for the Prize Marathon.

You can win: 
🏠 An apartment in Bishkek 
💸 Cash prizes 
🎁 Valuable gifts

For more details

Visit mbank.kg or check the MBANK mobile app for full rules.

A tip for shoppers

To make sure you receive cashback, check that the seller accepts MKassa. 
If there&rsquo;s no QR code &mdash; feel free to suggest they connect! It&rsquo;s fast and absolutely free. 
Connection link: mbank.kg/mkassa

Don&rsquo;t miss your chance &mdash; the promotion is time-limited! 
MBANK &mdash; the first digital! (NBKR License No. 014.)

10% Cashback at “Tash-Rabat” and “GUM” Shopping Malls! Hurry and shop with MBANK!

The sixth winner among the 80 cash prizes.

Gulzar Ergeshovna commuted by bus every day and paid her fare through MBANK&rsquo;s QR. These simple daily rides earned her tickets.

One of them turned out to be lucky &mdash; and brought her 100,000 KGS.

Gulzar had long dreamed of having her own treadmill to exercise more. Now she can finally fulfill this dream.

Taking part in the &ldquo;Prize Marathon&rdquo; is truly simple: you do your usual actions &mdash; and get closer to winning.

&nbsp;

Gulzar A.E. — a long-awaited dream of a treadmill

The fifth winner among the 80 cash prizes.

Adil always used MBANK for daily tasks: paying utilities, transport fares, and shopping via QR. For one of these actions, he received just a single ticket &mdash; and that was the winning one.

Adil had long dreamed of buying a car for his father. Now the 100,000 KGS prize will help him get closer to this dream.

Adil&rsquo;s story is yet another proof: sometimes one ticket is all it takes to become a winner.

&nbsp;

Adil Sh.B. — 100,000 KGS toward a dream for his father

The fourth winner among the 80 cash prizes.

Maisal applied for a loan to repair his car &mdash; he needed auto parts. For that, he received a ticket and joined the promotion.

As a result, he became one of the 100,000 KGS winners.

For Maisal, this amount is nearly three monthly salaries. He already knows how he will spend it: he plans to buy a gift for his mother.

The win came unexpectedly but at the perfect time &mdash; and many participants experience the same.

&nbsp;

Maisal M.Zh. — 100,000 KGS equal to nearly three salaries

News

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

Currency	Purchase	Sale	NBKR
USD	87.2000	87.7000	87.4500
EUR	100.1000	101.1000	100.9260
RUB	1.0900	1.1200	1.0992
KZT	0.1550	0.1700	0.1687

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

Profitable online loan for individual entrepreneurs

MKassa

MBusiness

Card for Your Business

Business loan

Business loan

Exchange rates

Nearest ATMs and branches