O!Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
O!Bank suits businesses and travellers in Kyrgyzstan who want everyday banking with no monthly charge and a fixed savings deposit on the side. The account fee is KGS 0, ATM withdrawals are free, and transfers to Uzbekistan and Kaspi.kz go through with no commission.
Key facts
- Best for
- Fee-free everyday banking in Kyrgyzstan with a fixed savings deposit.
- Monthly fee
- KGS 0↗
- Currencies
- 4↗
- Transfer fee
- Free (no commission) for online transfers to Uzbekistan and Kaspi.kz from the 'Moy O!' app↗
- Legal entity
- OAO O!Bank↗
- Headquarters
- Kyrgyzstan↗
- Founded
- 1999↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Business, Travelers
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- obank.kg
Savings
- Headline rate
- 4% to 11.5%↗
- Rate type
- Fixed↗
- Term
- 3 to 24 months↗
- Minimum deposit
- KGS 1,000↗
- Access terms
- 3-24 months, interest paid monthly, unlimited top-ups in the first half of the term, no partial withdrawal, deposits insured up to 1,000,000 KGS, opened online in the Moy O! app or at O!Bank branches↗
- Account kind
- Fixed↗
Money transfer
- Delivery time
- Instant, 24/7 (usually within minutes)↗
- Payout methods
- Bank, Cash-pickup, Card↗
- Fee to send 1,000
- KGS 0↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Elsewhere
- WikidataWikipediaXinstagram.com
Pros and cons
Pros
- Monthly fee of KGS 0, with the account on a fee-free model no monthly fee
- Transfers to Uzbekistan and Kaspi.kz carry no commission, with delivery Instant, 24/7 (usually within minutes)
- Free ATM withdrawals free atm, and payouts to bank, cash pickup and card
- Support runs through email, chat and phone, including phone and a help centre
Cons
- The savings option is a fixed account on fixed rates over 3 to 24, so the balance is committed for the whole term
- Only 4 currencies are covered, ranking 183 of 379 brands compared on this measure
Who it suits
- Businesses running everyday banking in Kyrgyzstan
- Travellers sending money to Uzbekistan or Kaspi.kz
- Savers happy to lock money in for 3 to 24 at a fixed rate
Who should look elsewhere
- PayPal Colombia or Skrill, since online wallets suit holding and paying out rather than a fixed savings account
- Plazo ES, for savers holding euro balances, with a monthly fee of €0
- Anyone planning to switch providers mid-term, since the deposit is fixed for 3 to 24
How O!Bank compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
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9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0A monthly fee of €0 fits wallet transfers, not a savings deposit paying 4% to 11.5%.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where O!Bank is available
- Available
- Kyrgyzstan
- Licence in Kyrgyzstan
- National Bank of the Kyrgyz Republic (NBKR) (044), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an account?+
The monthly fee is KGS 0, and the account runs on a fee-free model no monthly fee. Card withdrawals come under free atm, and online transfers to Uzbekistan and Kaspi.kz are made with no commission from the Moy O! app.
Is O!Bank regulated and is the money protected?+
O!Bank holds a licence from the National Bank of the Kyrgyz Republic, listed as 044. The bank is registered as OAO O!Bank, sits in Kyrgyzstan, and has been listed since 1999. Savings deposits taken with the bank are insured.
What can I earn on savings?+
The savings deposit pays a fixed rate of 4% to 11.5% over a term of 3 to 24, with interest paid monthly. The minimum deposit is KGS 1,000, the rate type is fixed and the account kind is fixed.
Can I reach savings money before the end?+
Savings deposits run for the full term of 3 to 24, with interest paid monthly and top-ups unlimited early in the term. The balance stays in place until the deposit matures, and accounts open online in the Moy O! app or at O!Bank branches.
How fast are transfers and what do they cost?+
Transfers to Uzbekistan and Kaspi.kz from the Moy O! app are free of commission, and the transfer fee amount is KGS 0. Delivery is Instant, 24/7 (usually within minutes), so money usually arrives within minutes around the clock.
Which currencies can I hold and get paid in?+
The account covers 4 currencies, ranking 183 of 379 on this measure. KGS is the currency behind KGS 1,000 and KGS 0, and payouts can go to bank, cash pickup and card. The median across the site is 5.
Who is the account aimed at?+
O!Bank lists business and travelers as its main audiences. Business is the largest audience in this ranking, at 94.4%, and the median monthly fee among business listings is €0. A fee-free model no monthly fee fits that crowd well.
How do I get help?+
Support runs through email, chat and phone, covering phone, chat, email and a help centre, with branches an option too. Across the listings compared, a help centre is listed on 86.1% and phone support on 79.5%.
Sources
- obank.kg/en/money-transfers checked September 26, 2026
Backs: Payout methods
“Instant crediting to card or account ... You can receive a transfer at any O!Bank office ... transfers in USD can be sent or received through bank cash desks”
- obank.kg/en/money-transfers/uzbekistan checked September 26, 2026
Backs: Delivery time, Fee to send 1,000
“Instantly and fee-free 24/7”
- obank.kg/ru/deposits/kopilka-plus checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term
- nbkr.kg/index1.jsp checked September 26, 2026
Backs: Founded
“13. OJSC 'O!Bank' 13.04.1999 044”
- obank.kg checked September 26, 2026
Backs: Audience, Currencies, Transfer fee, Licences
“"For business" section; "Join roaming free: use 'Moy O!' in Kazakhstan, Uzbekistan and Russia"”
- obank.kg/cards checked September 26, 2026
Backs: Features, Pricing model, Monthly fee
“"0% for cash withdrawals at O!Bank's own ATMs"”
- obank.kg/contacts checked September 26, 2026
Backs: Headquarters, Support channels
“"O!Bank head office: Kyrgyz Republic, Bishkek, Orozbekov St. 45"”
- obank.kg/rates checked September 26, 2026
Backs: Legal entity
“Elkart NFC VIP payment card tariffs "for individuals of OAO O!Bank"”
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.