Deposits in Bishkek

22 banks, rates up to 17% p.a. Open online in 2 minutes; every deposit is insured by the DPA up to KGS 200,000.

Amount

Term

Currency

{count} found: 13 offers

MBank

Welcome

4.7

Rate

17%

Income over term

21,250 KGS

Total

521,250 KGS

3–12 mo.Interest at maturityOnlineNew clientsDPA up to KGS 200,000from 1,000 KGS

Demir Bank

Term Deposit

4.6

Rate

15.5%

Income over term

19,375 KGS

Total

519,375 KGS

3–36 mo.Interest at maturityOnlineDPA up to KGS 200,000from 10,000 KGS

Halyk Bank Kyrgyzstan

Halyk Deposit

4.5

Rate

15.5%

Income over term

19,375 KGS

Total

519,375 KGS

3–24 mo.Interest paid monthlyTop-upsWithdrawalsOnlineDPA up to KGS 200,000from 5,000 KGS

BTA Bank

BTA Deposit

4.0

Rate

15.5%

Income over term

19,375 KGS

Total

519,375 KGS

3–24 mo.Interest at maturityTop-upsDPA up to KGS 200,000from 5,000 KGS

Aiyl Bank

Aiyl Amanat

4.4

Rate

15%

Income over term

18,750 KGS

Total

518,750 KGS

3–36 mo.Interest paid monthlyTop-upsDPA up to KGS 200,000from 1,000 KGS

Keremet Bank

Keremet Deposit

4.2

Rate

15%

Income over term

18,750 KGS

Total

518,750 KGS

3–36 mo.Interest paid monthlyTop-upsDPA up to KGS 200,000from 3,000 KGS

Kyrgyzkommertsbank

Classic

4.2

Rate

15%

Income over term

18,750 KGS

Total

518,750 KGS

3–36 mo.Interest paid monthlyTop-upsDPA up to KGS 200,000from 1,000 KGS

FINCA Bank

FINCA Savings

4.5

Rate

12%

Income over term

15,151 KGS

Total

515,151 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	KICB	Online Deposit	17%	91,946 KGS	591,946 KGS
2	MBank	MBank Deposit	16.8%	90,780 KGS	590,780 KGS
3	Optima Bank	Optimal	16%	86,135 KGS	586,135 KGS
4	Bai-Tushum Bank	Bai-Tushum Deposit	16%	86,135 KGS	586,135 KGS
5	MBank	Welcome	17%	85,000 KGS	585,000 KGS
6	Capital Bank	Capital Maximum	17%	85,000 KGS	585,000 KGS
7	Eurasian Savings Bank	Savings Term	17%	85,000 KGS	585,000 KGS
8	Eldik Bank	Pension	15.8%	84,980 KGS	584,980 KGS
9	Bakai Bank	Kelechek Children's	15.5%	83,250 KGS	583,250 KGS
10	KICB	Standard	16.5%	82,500 KGS	582,500 KGS

Customer reviews

Read all reviews

KICB

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.

Гульнара С., Бишкек · August 25, 2026

Demir Bank

USD deposit at 4.5%

Put $10,000 for 12 months at Demir at 4.5% — higher than Optima and KICB. Interest was paid at maturity with no deductions.

Талант К., Бишкек · August 8, 2026

Aiyl Bank

The only bank in our district

In Talas, Aiyl Bank is open even on Saturdays. I opened an Amanat deposit at 15% for a year, minimum KGS 1,000. The app is weak, but the branch staff are helpful.

Бермет О., Талас · August 5, 2026

АК

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

Term deposits (money is placed for a fixed period at the maximum rate), savings accounts (top-up and withdraw any time at a lower rate), children's deposits (opened in the name of a child under 18) and foreign-currency deposits in USD, EUR and RUB. The Islamic bank offers mudaraba with an expected return instead.

Best deposits rating 2026

We update the rating weekly using data from 22 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 22 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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