My O! + Bank

My O! + O!Bank is a superapp with mobile banking features, O! customer’s personal account and a marketplace. You can log in with any Kyrgyzstan’s SIM card.

Open accounts, deposits and virtual cards. Take loans without leaving home. Use O!Bank cards for psyments with cashback. Pay for services, buy goods and air tickets, and use your bonuses. All in one app.

Payments
• Instant QR payments and money transfers with cashback
• Money transfers to phone number, card or account inside Kyrgyzstan
• Transfers between one’s own accounts
• Quick top-up from outside banks cards
• Favorite transaction templates
• Transaction history

Services
• Fee-free payments for internet and utility services
• 300+ government payments: taxes, services of registry office, Cadaster, Ministry of Justice, Interior Ministry, etc.
• Checking and paying all penalties
• E-patent application, extension, and fee payment

Visa and Elcart cards
• Opening in the app
• All types of payments and money transfer
• Topping up without limits
• Quick review of balance and transaction history
• User-friendly controls in the app

Deposits
• Online Money Box opening in the app
• Topping up at any time

Loans
• Minimum repayment period: 1 month
• Maximum repayment period: 24 months, at user discretion, subject to laws of the Kyrgyz Republic
• Full loan repayment within 60 days: not required by default, subject to terms and conditions of the loan contract and laws of the Kyrgyz Republic
• Loan currency: Kyrgyz som
• Loans are available to nationals of the Kyrgyz Republic
• No extra fees or issue charge
• Sample calculation:
Loan amount: 100,000 KGS
Rate: 22.99% per annum
Loan period: 12 months
Monthly installment amount: 9,407.15 KGS
Total interests accrued for the whole loan period: 12,885.79 KGS
(estimates are subject to change based on the exact number of days of the loan use)
• Disbursement is made by annuity payments; interests are accrued on the actual principal balance
• Maximum effective per annum rate: 25.41%

The Kyrgyz Republic laws do not regulate fixed loan repayment term and admit issuing short-period loans, including ones for 60 days.
*Please note that loan issue via the app is only available to nationals of the KR; loans are only issued in the national currency, i. e, Kyrgyz som.

O! customer’s personal account
• Plan, service and subscription management
• Balances of your number and those of your loved ones
• Mobile TV activation, Saima wireline internet connection
• Responsive support service
• Map of all O!Bank offices and cashiers, O!Stores and payment terminals

Market
• 55,000 articles offered by top vendors
• Electronics, household appliances, home products, and other items
• 24/7 delivery from Globus
• Free delivery for orders starting at 1,000 KGS
• Easy and user-friendly online shopping
• Original offers and good-price promos

Travel
• Low-cost air tickets to any destination worldwide
• Kyrgyzstan-based and international airlines
• User-friendly search and price comparison
• Option for buying tickets for other persons
• Reservation revision or cancellation

Bonuses
• Bonuses for QR payments to partners, virtual Visa card payments, and paying O! plan fees
• Up to 15% cashback
• Bonuses for buying air tickets on O!Travel and placing orders on O!Market
• Using bonuses to pay public transport fare, shop at supermarkets, pay for utility services or at other partners’ points

Gift cards
• Certificates for goods and services for you and your loved ones
• Quick, easy, environment-friendly: just show QR or tell code to cashier to use the card

24/7 support service: 8008 и +996700000999

* https://shorturl.at/CcB3x (Law of the Kyrgyz Republic on Banks and Banking Activities)
* https://shorturl.at/Ll1iY (Credit Risk Regulation)
We recommend reading confidentiality policies regulating user personal data processing before downloading:

1) https://shorturl.at/rIBjD
2) https://shorturl.at/IOtw9
3) https://shorturl.at/9c8zx
4) https://shorturl.at/iVFaH