Bakai Bank
Kelechek Children's
4.7Rate
15.5%
Income over term
83,250 KGS
Total
583,250 KGS
12–84 mo.Interest at maturityCapitalisationTop-upsOnlineChildren'sDPA up to KGS 200,000from 1,000 KGS
Children's deposits
5 banks, rates up to 15.5% p.a. with capitalisation. Open in your child's name and top up from a card.
{count} found: 5 offers
MBank
Baldarga Children's
4.7Rate
15%
Income over term
80,377 KGS
Total
580,377 KGS
12–60 mo.Interest at maturityCapitalisationTop-upsOnlineChildren'sDPA up to KGS 200,000from 500 KGS
Kompanion Bank
Umut Children's
4.6Rate
15%
Income over term
80,377 KGS
Total
580,377 KGS
12–60 mo.Interest at maturityCapitalisationTop-upsChildren'sDPA up to KGS 200,000from 500 KGS
KICB
Balapan Children's
4.8Rate
14.5%
Income over term
77,518 KGS
Total
577,518 KGS
12–60 mo.Interest at maturityCapitalisationTop-upsChildren'sDPA up to KGS 200,000from 1,000 KGS
Aiyl Bank
Balalyk Children's
4.4Rate
14%
Income over term
74,671 KGS
Total
574,671 KGS
12–60 mo.Interest at maturityCapitalisationTop-upsChildren'sDPA up to KGS 200,000from 500 KGS
Top 10 deposits
Rates calculated for 500,000 KGS over 1 year
| # | Bank | Deposit | Rate | Income | Total |
|---|---|---|---|---|---|
| 1 | Bakai Bank | Kelechek Children's | 15.5% | 83,250 KGS | 583,250 KGS |
| 2 | MBank | Baldarga Children's | 15% | 80,377 KGS | 580,377 KGS |
| 3 | Kompanion Bank | Umut Children's | 15% | 80,377 KGS | 580,377 KGS |
| 4 | KICB | Balapan Children's | 14.5% | 77,518 KGS | 577,518 KGS |
| 5 | Aiyl Bank | Balalyk Children's | 14% | 74,671 KGS | 574,671 KGS |
Customer reviews
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Expert opinion
Ainura Kasymova · financial analyst, FinMarketKG
With a stable som, a som deposit at 16–17% remains the most profitable risk-free instrument in the country: even after 5.8% inflation the real return is about 10%. Split the amount between two or three banks so each part is covered by the DPA, and choose capitalisation if you don't plan to withdraw the interest.
Frequently asked questions
A deposit opened in the name of a child under 18. Parents top it up, interest is capitalised, and at 18 the child receives the accumulated sum — for studies, housing or a business start.
Best deposits rating 2026
We update the rating weekly using data from 5 NBKR-licensed banks. Ranking is by income over the term under equal conditions: KGS 500,000 for 12 months with no early withdrawal.
In September 2026 the leaders are fixed-rate deposits at 17% p.a. — KICB Online Deposit, ESB Savings Term and Capital Maximum. Among savings accounts, FINCA (12%) and ESB (11.5%) offer the best terms.
Deposit interest rates
Som deposit rates stay at 10–17% p.a. with the NBKR policy rate at 9% and inflation at 5.8%. The longer the term and the fewer options (no top-ups or withdrawals), the higher the rate.
Foreign-currency deposits pay 3–5% in dollars, 1–2.5% in euros and 6–9% in rubles. Interest on individuals' deposits in Kyrgyzstan is exempt from income tax.
Documents to open a deposit
Citizens of Kyrgyzstan need only a passport (ID card). Foreigners need a passport and proof of legal stay. A children's deposit requires the child's birth certificate.
When opening online, identification is via Tunduk ID or a video call with a bank employee. No income proof is required.
Deposit safety
All 5 banks in the rating hold a National Bank licence and take part in the deposit protection system. The Deposit Protection Agency (DPA) guarantees repayment of up to KGS 200,000 per depositor per bank, including interest.
To protect more than KGS 200,000, split it between several banks — the guarantee applies to each separately.
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