MBank
Welcome
4.7Rate
17%
Income over term
42,500 KGS
Total
542,500 KGS
3–12 mo.Interest at maturityOnlineNew clientsDPA up to KGS 200,000from 1,000 KGS
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.
{count} found: 21 offers
Tolubay Bank
Tolubay Deposit
3.9Rate
16.5%
Income over term
41,250 KGS
Total
541,250 KGS
6–36 mo.Interest paid monthlyTop-upsDPA up to KGS 200,000from 10,000 KGS
Optima Bank
Optimal
4.7Rate
16%
Income over term
41,357 KGS
Total
541,357 KGS
6–36 mo.Interest paid monthlyCapitalisationTop-upsOnlineDPA up to KGS 200,000from 5,000 KGS
Dos-Credobank
Dos Deposit
4.5Rate
16%
Income over term
40,000 KGS
Total
540,000 KGS
6–24 mo.Interest at maturityOnlineDPA up to KGS 200,000from 5,000 KGS
Bai-Tushum Bank
Bai-Tushum Deposit
4.4Rate
16%
Income over term
41,357 KGS
Total
541,357 KGS
6–36 mo.Interest at maturityCapitalisationTop-upsDPA up to KGS 200,000from 1,000 KGS
Kompanion Bank
Kompanion Deposit
4.6Rate
16%
Income over term
40,000 KGS
Total
540,000 KGS
6–36 mo.Interest paid monthlyTop-upsOnlineDPA up to KGS 200,000from 1,000 KGS
Chang An Bank
Chang An Deposit
3.8Rate
16%
Income over term
40,000 KGS
Total
540,000 KGS
6–24 mo.Interest at maturityDPA up to KGS 200,000from 10,000 KGS
Bank of Asia
Asia Deposit
4.0Rate
15.8%
Income over term
39,500 KGS
Total
539,500 KGS
6–24 mo.Interest paid monthlyTop-upsDPA up to KGS 200,000from 5,000 KGS
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
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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
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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