Kyrgyz-Swiss Bank
Swiss Deposit EUR
4.2Rate
2.5%
Income over term
€125
Total
€5,125
12–36 mo.Interest at maturityDPA up to KGS 200,000from €1,000
USD deposits
Foreign-currency deposits at 15 banks: dollars up to 8.5%, euros up to 2.5%, rubles up to 8.5% p.a. DPA insurance in som equivalent.
{count} found: 3 offers
Optima Bank
Optimal EUR
4.7Rate
2%
Income over term
€100
Total
€5,100
12–24 mo.Interest at maturityOnlineDPA up to KGS 200,000from €200
Demir Bank
Term EUR
4.6Rate
1.5%
Income over term
€75
Total
€5,075
6–36 mo.Interest at maturityOnlineDPA up to KGS 200,000from €200
Top 10 deposits
Rates calculated for $5,000 over 1 year
| # | Bank | Deposit | Rate | Income | Total |
|---|---|---|---|---|---|
| 1 | Capital Bank | Capital USD | 5% | $250 | $5,250 |
| 2 | Bakai Bank | Bakai USD | 4.8% | $240 | $5,240 |
| 3 | Optima Bank | Optimal+ USD | 4.5% | $225 | $5,225 |
| 4 | Eurasian Savings Bank | Savings USD | 4.5% | $225 | $5,225 |
| 5 | MBank | Currency Deposit | 4.2% | $210 | $5,210 |
| 6 | Chang An Bank | Chang An USD | 4.2% | $210 | $5,210 |
| 7 | KICB | Standard USD | 4% | $200 | $5,200 |
| 8 | Dos-Credobank | Dos USD | 4% | $200 | $5,200 |
| 9 | Halyk Bank Kyrgyzstan | Halyk USD | 4% | $200 | $5,200 |
| 10 | Aiyl Bank | Aiyl USD | 3.8% | $190 | $5,190 |
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
In September 2026 Kyrgyz banks offer 3–5% p.a. in USD. The maximum is 5% at Capital Bank and 4.8% at Bakai Bank for terms from 12 months. EUR rates are lower — 1–2.5%.
Best deposits rating 2026
We update the rating weekly using data from 15 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 15 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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