Customer reviews

Best dollar rate in town

Exchanged $2,000 before a trip. Bakai buys at 87.30 — higher than the exchange booths at Mossovet. Five-minute queue, no questions asked.

Approved within an hour

Applied via FinMarketKG in the evening, Optima called in the morning and the money was on my card by lunch. KGS 300,000 at 21% for 3 years — better than the branch offered.

Exchange in the app without visiting a branch

I convert soms to dollars right inside MBank in a second. The rate is slightly worse than at the counter (by 10 tyiyn), but available 24/7. Downside — a $5,000 daily limit.

Rate in Osh is worse than in Bishkek

At Optima's Osh branch the dollar sells 15 tyiyn dearer than the site shows for Bishkek. Staff explained the rate is regional. A single rate would be nice.

Cashback really arrives

Got the MBank card with 5% fuel cashback. Got KGS 1,840 back in a month. No fees, handy app.

Euro at the NBKR rate for clients

As a payroll client, KICB gave me euros nearly at the National Bank rate — 101.90 vs the official 101.82. Saved about 1,500 som on €3,000 compared to an exchange booth.

First loan really is at 0%

Borrowed KGS 10,000 for 14 days via Tunduk ID, repaid exactly 10,000. The second one is 1% a day — pricey, but it tides me over until payday.

16.5% som deposit

Opened the Standard deposit for a year online at 16.5%. Interest lands monthly on my card, all transparent. Insured by the deposit agency.

Group loan for our cooperative

Five families took KGS 150,000 each to buy fodder. Mol Bulak came right to the village and processed everything in a day. Rate 24%, we repay after selling livestock.

MTPL in 7 minutes

Compared 6 insurers, picked the cheapest — KGS 2,350 for a Camry. The policy arrived by email at once. One star off for typing the VIN manually.