Ard Credit review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ard Credit suits people in Mongolia who want a fixed-term saving they set up themselves and can top up freely. It runs under the legal entity Ard Credit NBFI JSC, with a minimum deposit of MNT 10,000 and terms of 6 to 24 that you pick.
Key facts
- Best for
- Mongolian savers who choose their own saving period and want no cap on balance or accounts.
- Term
- 6 to 24 months↗
- Minimum deposit
- MNT 10,000↗
- Access terms
- Ard App registration required; customer picks the saving period; returns credited at 7-730 day intervals; no cap on balance or number of accounts↗
- Account kind
- Fixed↗
- Legal entity
- Ard Credit NBFI JSC↗
- Headquarters
- Mongolia↗
- Founded
- 2011↗
- Support channels
- Phone, Email, Help-centre↗
- Official website
- ardcredit.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- You set the saving period yourself and returns are credited on a schedule you choose, so the pace suits you rather than the bank.
- No cap on balance or on the number of accounts, so you can add savings as they build up.
- Licensed by the Financial Regulatory Commission (No.238) and the Central Bank of Mongolia (A-7/886).
- Support runs through phone, email and help centre, so you can reach the team by phone, email or the help centre.
Cons
- The minimum deposit of MNT 10,000 is a high starting point for a first saver.
- The minimum term is 6 to 24, so your money is committed for a set stretch before you touch it.
Who it suits
- People saving in tugrik who want a fixed-term home for cash they will not need soon.
- Savers who prefer to decide the length themselves and to hold more than one saving.
- Customers who value being able to reach the team by phone as well as in writing.
Who should look elsewhere
- PayPal Colombia, if you want a wallet balance rather than a fixed saving period.
- XTB, if you would rather start with a smaller amount than MNT 10,000.
The company behind it
Ard Credit operates as Ard Credit NBFI JSC, based in Mongolia and working since 2011. Savings are arranged through the Ard App, which needs registration before you can open a saving, and the company issues a fixed term account kind. Support is listed as phone, email and help centre. The two regulator registrations to look at are the Financial Regulatory Commission licence No.238 and the Central Bank of Mongolia licence A-7/886.
How Ard Credit compares
8.9 vs 8.6
8.9 vs 9.5
8.9 vs 8.0
8.9 vs 8.9Its minimum deposit runs $1 to $10,000, a lighter starting point if the MNT 10,000 minimum here feels too large.
8.9 vs 8.9
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.7- 8.9 vs 8.0
8.9 vs 9.0
8.9 vs 8.1
8.9 vs 8.7
8.9 vs 8.0
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.3
8.9 vs 9.0
Where Ard Credit is available
- Available
- Mongolia
- Licence in Mongolia
- Financial Regulatory Commission (No.238), checked September 26, 2026
- Licence in Mongolia
- Central Bank of Mongolia (A-7/886), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much do I need to put in to start?+
The minimum deposit is MNT 10,000. That is the starting floor rather than a ceiling, because there is no cap on your balance or on the number of accounts you hold. Once you have registered in the Ard App, you pick the saving period you want and fund it.
How long do I have to keep my money?+
Terms run 6 to 24, and the choice is yours rather than set by the provider. Short terms suit a saving you may want to move soon, while a longer term gives the money longer to work. There is no single term you are pushed into.
What kind of account is this?+
It is a fixed saving rather than an instant access account, which is worth weighing if you might need cash without notice. The account type is fixed, so the saving period you pick shapes when returns come back to you.
How do I set up and manage the account?+
You register in the Ard App first, then choose your own saving period. The app is where the saving is arranged, so it is worth having it ready before you want to place money. Support is also available through phone, email and help centre.
Is my money protected and who regulates this?+
Ard Credit holds a Financial Regulatory Commission licence numbered No.238 and a Central Bank of Mongolia licence numbered A-7/886. Both regulators operate in Mongolia, which is the same market as the company itself.
Who is Ard Credit?+
It trades as Ard Credit NBFI JSC, a non-bank financial institution based in Mongolia that has worked since 2011. Its savings products are aimed at customers who hold and save tugrik through the Ard App.
Can I save more than the minimum?+
Yes, there is no cap on your balance and no limit on how many saving accounts you open. So a saver who starts with the MNT 10,000 minimum can add to it later, or run several savings with different periods alongside each other.
How often do returns arrive?+
Returns are credited on a schedule you set yourself, so you can pick a pace that matches how quickly you want to see the saving build. The cadence sits inside the term you choose, giving you some control over how long a saving runs before it completes.
Sources
- ardcredit.com/en checked September 26, 2026
Backs: Headquarters, Legal entity
“Mongolia, Ulaanbaatar City, Sukhbaatar District, Peace Avenue, Blue Sky Tower, 9th Floor”
- ardcredit.com/faq checked September 26, 2026
Backs: Support channels
“7700-3322 ... customer service centre ... your statement is sent to your email address registered with the Ard App”
- ardcredit.com/introduction checked September 26, 2026
Backs: Founded
“2011 - founded with the investment of Intergroup International LLC”
- ardcredit.com/invest_en checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Term
“Targeted Savings is a deposit service that allows customers to choose their preferred saving period ranging from 6 to 24 months, with returns credited at intervals from 7 to 730 days”
- frc.mn checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Deposit protection.
Other rankings
Ard Credit
Mongolian savers who choose their own saving period and want no cap on balance or accounts.