Message of the chairwoman

• Elcart Mobile – commission of daily operations with the help of the mobile phone
• Validity – 3 years
• Payment of daily purchases in any Kyrgyz POS-terminal
• Possibility of cashing in in all Kyrgyz ATMs
• Individual design
• Multiple currency account: som, US dollar, euro, ruble of the Russian Federation, Chinese yuan
• Annual service – 150 soms

• Chip-card
• Validity – 5 years
• Elcart Mobile – commission of daily operations with the help of the mobile phone 
• Payment of daily purchases in any Kyrgyz POS-terminal
• Possibility of cashing in in all Kyrgyz ATMs
• Multiple currency account: som, US dollar, euro, ruble of the Russian Federation, Chinese yuan
• Annual service – 150 soms

• The social card for receiving pension from Social fund of the Kyrgyz Republic
• Charge of percent on balance on the account - 3% per annum in soms
• Elcart Mobile – commission of daily operations with the help of the mobile phone 
• Payment of daily purchases in any Kyrgyz POS-terminal
• Possibility of cashing in in all Kyrgyz ATMs
• Currency of maintaining account: som
• Annual service – 0 som

• The social card for receiving grants, monetary compensations from the Ministry of social development of the Kyrgyz Republic
• Deposit of interest (5%) on the balance of more than 15 000 soms
• Elcart Mobile – commission of daily operations with the help of the mobile phone 
• Payment of daily purchases in any Kyrgyz POS-terminal
• Possibility of  cashing in in all Kyrgyz ATMs
• Currency of maintaining account: som
• Annual service – 0 som

• The card for receiving the salary
• Charge of percent on balance on the account - 3% per annum in som
• Elcart Mobile – commission of daily operations with the help of the mobile phone 
• Payment of daily purchases in any Kyrgyz POS-terminal
• Possibility of cashing in in all Kyrgyz ATMs
• Currency of maintaining account: som
• Annual service – 120 soms

• The card for receiving the salary
• Charge of percent on balance on the account - 3% per annum in som
• Elcart Mobile – commission of daily operations with the help of the mobile phone 
• Payment of daily purchases in any Kyrgyz POS-terminal
• Possibility of cashing in in all Kyrgyz ATMs
• Currency of maintaining account: som
• Annual service – 120 soms

• Coverage - Kyrgyzstan within the network of CJSC "Bank of Asia"
• Currency - KGS, RUB, USD, EUR, KZT
• Commission: 0.1%
• Note: transfer without opening an account

• Coverage - Russia, CIS, Baltic and non-CIS countries
• Currency - RUB, USD, EUR
• Commission - from 0.95%
• www.koronapay.com/transfers/

• Coverage - 95 countries
• Currency - RUB, EUR
• Commission - from 1% of the amount transferred
• www.unistream.ru

• Coverage - Russia, CIS, Baltic and non-CIS countries
• Currency - RUB, USD, EUR
• Commission - from 1% of the amount transferred
• www.contact-sys.com

• Coverage - worldwide
• Currency - RUB, USD
• Commission - from 2%
• www.westernunion.com/ru/ru

• Coverage - worldwide
• Currency - USD
• Commission – from 2%
• http://global.moneygram.com/ru/ru

• Coverage - Kyrgyz Republic
• Currency - KGS, RUB, USD, EUR, KZT
• Commission - from 0.1%

• http://www.ab.kg/

• Охват - РФ и КР
• Валюта - рубли РФ
• www.astrasend.ru

• Momentary money transfers from a card on a card

Service commission:

• 5 soms – from a card on a card in devices "Bank of Asia"
• 15 soms – from a card on a card in devices of other bank
• Limit – 50 000 som / for once

• An opportunity to be serviced in devices of partner banks on rates "Bank of Asia"

For holders of cards of ELCART:

The number of partner banks – 6:

1. CJSC "Bank of Asia",
2. CJSC "Kyrgyz Investment and Credit Bank",
3. JSC "Dos-Credobank",
4. JSC "Bakai Bank",
5. JSC "FinanceCreditBank"
6. JSC "Capital Bank"

For holders of cards of VISA

The number of partner banks – 4:

1. CJSC "Bank of Asia",
2. CJSC "Kyrgyz Investment and Credit Bank";
3. CJSC "Bakai Bank",

• The number of ATMs – over 416 
• The number of POS-terminals – over 607

 • The ability to be served in the payment terminals of partners "PAY 24", "UMAI"," ONOY ", "Quickpay"

• Replenishment of the balance of the ELKART/VISA card;* Replenishment of the current account in Bank of Asia CJSC";* Repayment of the loan in Bank of Asia CJSC";

• Payment of taxes;* Payment of fines GUOBDD Ministry of internal Affairs of the Kyrgyz REPUBLIC;

• Payment of payments to the social Fund of the Kyrgyz REPUBLIC* Repayment of loans from micro-credit and microfinance companies

• An opportunity to withdraw funds over the amount which is available on a card

Types of an overdraft:

• for the staff of the company participating in the salary project of "Bank of Asia" under the guarantee of the company;
• for the staff of the company participating in the salary project of "Bank of Asia" under the guarantee of one natural person;

• the maximum amount – from 40% to 80% of the salary amount
• overdraft repayment period – 30 days
• periods of a credit line – up to 12 months
• credit currency – KGS

SMS NOTIFICATION

• Automatic client notification of all transactions carried out using the Bank of Asia ELCART / VISA cards
• Service fee - 50 KGS per month, for clients with overdraft - 0 som per month;
• For subscribers of mobile operators Megacom, Beeline and O!

Changing the PIN of a bank card VIA bank  ATM

• The service is completely FREE;
• Change PIN-code on the card can be an unlimited number of times;
• Only cardholders of Elcard and international VISA cards from "Bank of Asia" CJSC, as well as cardholders of other commercial banks that have (use) this service/

Password requirements:

For safe use of the card, it is recommended not to enter recurring or serial numbers, as well as dates of birth, as a new PIN, as such combinations are easy to guess.

For example: 7777 or 8888, 1234 or 9876.

ELCART MOBILE

Software that allows the cardholder to access their Elcard cards using a mobile device for managing their accounts.

Operations available via the Elkart Mobile mobile app:

• • payments in favor of third parties (payment for utilities, mobile operators, etc.);
• Instant money transfers from card to card (within the framework of the ELKART NPS");
• view the balance of the card account,* replenishment of the current account in Bank of Asia CJSC";
• Repayment of the loan in Bank of Asia CJSC";* replenishment of the VISA card of Bank of Asia CJSC";
• Payment of taxes;
• Payments to the social Fund of the Kyrgyz REPUBLIC;
• Repayment of loans from micro-credit and microfinance companies;
• Getting a mini account statement;* view payment history;
• View the list of automated teller machines (ATM).

Commission for payments is free

INTERNET ACQUIRING

A service that allows you to pay for purchases with an Elcard payment card directly on the online store website. It is carried out using a special web-interface.

How to connect?

• Sign a contract with a bank
• Provide documents for opening an account
• Create the necessary technical conditions for accepting payment cards for payment, in particular, an interface with which you can place an order and pay with a card.

COMMERCIAL ACQUIRING

• The service allows you to pay for purchases with an Elcard, VISA, Mir  payment cards through POS-terminals of the bank, installed in trade and service enterprises.

How to connect?

• Sign a contract with a bank
• Provide documents for opening an account.

• Service cost is FREE
• TSE connection is FREE
• Monthly support TSE - FREE