FINCA Bank
FINCA Savings
4.5Rate
12%
Income over term
63,413 KGS
Total
563,413 KGS
Open-endedInterest paid monthlyCapitalisationTop-upsWithdrawalsOnlineDPA up to KGS 200,000
Savings accounts
6 banks, rates up to 12% p.a. Top up and withdraw any time — interest is paid monthly.
{count} found: 6 offers
Eurasian Savings Bank
ESB Savings Account
4.1Rate
11.5%
Income over term
60,630 KGS
Total
560,630 KGS
Open-endedInterest paid monthlyCapitalisationTop-upsWithdrawalsOnlineDPA up to KGS 200,000
MBank
Piggy Bank
4.7Rate
11%
Income over term
57,859 KGS
Total
557,859 KGS
Open-endedInterest paid monthlyCapitalisationTop-upsWithdrawalsOnlineDPA up to KGS 200,000
Bakai Bank
Savings
4.7Rate
10.5%
Income over term
55,102 KGS
Total
555,102 KGS
Open-endedInterest paid monthlyCapitalisationTop-upsWithdrawalsOnlineDPA up to KGS 200,000
Optima Bank
Savings Account
4.7Rate
10%
Income over term
52,357 KGS
Total
552,357 KGS
Open-endedInterest paid monthlyCapitalisationTop-upsWithdrawalsOnlineDPA up to KGS 200,000
Demir Bank
Demir Savings
4.6Rate
9.5%
Income over term
49,624 KGS
Total
549,624 KGS
Open-endedInterest paid monthlyCapitalisationTop-upsWithdrawalsOnlineDPA up to KGS 200,000
Top 10 deposits
Rates calculated for 500,000 KGS over 1 year
| # | Bank | Deposit | Rate | Income | Total |
|---|---|---|---|---|---|
| 1 | FINCA Bank | FINCA Savings | 12% | 63,413 KGS | 563,413 KGS |
| 2 | Eurasian Savings Bank | ESB Savings Account | 11.5% | 60,630 KGS | 560,630 KGS |
| 3 | MBank | Piggy Bank | 11% | 57,859 KGS | 557,859 KGS |
| 4 | Bakai Bank | Savings | 10.5% | 55,102 KGS | 555,102 KGS |
| 5 | Optima Bank | Savings Account | 10% | 52,357 KGS | 552,357 KGS |
| 6 | Demir Bank | Demir Savings | 9.5% | 49,624 KGS | 549,624 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
An open-ended account on which the bank accrues interest daily on the balance and pays it monthly. You can top up and withdraw at any time without losing accrued income.
Best deposits rating 2026
We update the rating weekly using data from 6 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 6 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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