Kompanion Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kompanion Bank suits people in Kyrgyzstan who want a bank account with no monthly charge and a fixed deposit that pays 13%. The bank licence and the app-based opening make it a straightforward local option, though 4 currencies and a single market keep it narrow for anyone holding several currencies.
Key facts
Savings
Money transfer
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- onelink.to
Pros and cons
Pros
- The bank account carries a monthly fee of KGS 0, matching the €0 site median and leaving nothing to pay each month.
- The fixed deposit pays 13% at a fixed rate, well above the 3.25% median for everyday accounts.
- Bank supervision in Kyrgyzstan comes from the National Bank of the Kyrgyz Republic under licence 053.
- Transfers arrive instant and pay out to a card or a wallet through card and wallet.
Cons
- Currency choice is limited to 4, which is a single market and thin next to the 5 median for multi-currency accounts.
- The fixed deposit is the fixed kind, so the money is tied up rather than available on demand.
- Support runs on phone and help centre only, with no branch network listed.
Who it suits
- People living in Kyrgyzstan who want a bank account with no monthly charge.
- Travellers moving money in and out of the country who need transfers that land instant.
- Savers comfortable tying funds into a fixed deposit that pays 13%.
Who should look elsewhere
- Anyone holding several currencies at once, who would be better served by Skrill.
- People who need easy access to their money, since the deposit is fixed.
- Shoppers who want to pay merchants directly rather than send transfers, for whom PayPal Colombia makes more sense.
Rates and terms
The deposit pays 13% on a fixed basis, so the return is set rather than moving with the market. It is a fixed account, opened in the Kompanion mobile app, with interest paid monthly. That headline sits well above the 3% site median, but the fixed structure means the rate holds only for the period the bank sets.
Who runs it
The provider is Kompanion Bank, CJSC, headquartered in Kyrgyzstan. It is supervised by the National Bank of the Kyrgyz Republic, and the licence reference is 053. Customer service runs through phone and help centre, so questions are handled by phone or through the help centre.
How Kompanion Bank compares
Where Kompanion Bank is available
- Available
- Kyrgyzstan
- Licence in Kyrgyzstan
- National Bank of the Kyrgyz Republic (053), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Kompanion Bank account cost each month?+
The bank account has a monthly fee of KGS 0, so there is no recurring charge to budget for. That matches the €0 median across everyday accounts, where most providers also charge nothing. Fees on the deposit side come from the terms of the fixed account rather than a monthly charge.
What rate does the fixed deposit pay?+
The deposit pays 13% on a fixed rate, with interest paid monthly. The fixed label means the return does not float with the market, so it holds for as long as the bank keeps the terms. It is opened in the Kompanion mobile app, which keeps the whole process inside one place.
Is Kompanion Bank regulated?+
Yes. Kompanion Bank holds a bank licence from the National Bank of the Kyrgyz Republic in Kyrgyzstan, recorded as 053. The banking licence is a stronger footing than an e-money licence, though readers should check what cover applies to their own deposits.
How many currencies can I hold?+
The account supports 4, which is a single market rather than a broad multi-currency setup. For context, the 5 median across multi-currency accounts is higher. Anyone regularly holding or converting several currencies will find the choice narrow here.
How fast are transfers and how do I get the money?+
Transfers are instant, and payouts run to card and wallet. That makes the account workable for moving money across a border without waiting, which is the main draw for travelers listed as the intended audience.
Is the money easy to withdraw from the deposit?+
The deposit is fixed, so access to the funds is restricted while the term runs. The rate is fixed at 13%, and that return depends on the money staying in place. Anyone who needs same-day access to their balance is better served by an easy-access account.
How do I reach customer support?+
Support runs on phone and help centre, meaning phone and a help centre. Both are useful for a bank based in Kyrgyzstan serving customers who mostly bank through the mobile app. There is no branch or in-person option set out, so most questions are handled remotely.
Who is the account aimed at?+
The stated audience is travelers, and the setup fits people living and transacting in Kyrgyzstan. An account fee of KGS 0 removes the usual running cost for a local everyday account. Anyone based elsewhere with several currencies to hold would get more choice elsewhere.
Sources
- kompanion.kg checked September 26, 2026
Backs: Audience, Features
- kompanion.kg/image/d5ab58d7-97af-4f24-9ad8-8d3a4124dbad_%... checked September 26, 2026
Backs: Licences
- kompanion.kg/kursy checked September 26, 2026
Backs: Currencies
- kompanion.kg/news/news2209250302 checked September 26, 2026
Backs: Support channels
- kompanion.kg/requisites checked September 26, 2026
Backs: Headquarters, Legal entity
“«Kompanion Bank», CJSC 62, Shota Rustaveli Str., Bishkek, 720044, Kyrgyz Republic”
- kompanion.kg/retail/bank-account checked September 26, 2026
Backs: Pricing model, Monthly fee
- kompanion.kg/retail/deposit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type
“«Мөөнөттүү» онлайн-депозит (term online deposit), the deposit product the site leads with at up to 13% per year”
- kompanion.kg/retail/money-transfers checked September 26, 2026
Backs: Delivery time, Payout methods
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.