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0% commission on payment acceptance up to 1,000,000 KGS for new MKassa clients!

Deposit "Daily" for individual entrepreneurs – we pay income every day!

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Регистрация ИП онлайн с MBusiness

MBusiness – the best app for business

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Open today and start enjoying banking that cares about your valuables

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16% for Individual Entrepreneurs in MBusiness

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MBusiness

Buying your own home is often associated with endless paperwork and visits to multiple offices. MBANK is changing the rules by launching a unique product for the market &mdash; a fully digital mortgage. Now, the entire process, from checking your limit to submitting an application, can be completed прямо from your smartphone&nbsp;

Key advantages

The main &ldquo;pain point&rdquo; for any homebuyer is bureaucracy. We&rsquo;ve solved it completely:

&bull; Everything in one click &mdash; no need to visit bank branches at the application stage 
&bull; Automatic data collection &mdash; the bank integrates with the Tunduk system. We request and pay for all required documents for you 
&bull; Transparent limits &mdash; the &ldquo;Credit Potential&rdquo; service in the app lets you see in advance the amount the bank is ready to approve based on your credit history and transactions

This is the perfect solution for those who value their time and prefer handling important matters via smartphone

How to apply for a mortgage online

<ol>
	<li>Open the MBANK app, go to the &ldquo;Loans&rdquo; section, and select &ldquo;Mortgage&rdquo;</li>
	<li>Enter your financial details: monthly income and employment type</li>
	<li>Set your preferred loan term, down payment amount, and purchase region</li>
	<li>If you are married, your spouse must confirm the application in their app</li>
	<li>Provide seller details and upload photos or scans of the property documents</li>
	<li>Submit your application and receive the bank&rsquo;s decision in real time</li>
</ol>

Why is it convenient?

MBANK&rsquo;s digital mortgage sets a new standard of convenience. You focus on choosing your perfect home, while we handle all the paperwork. Now, the journey to owning your own apartment starts not with queues at government offices, but from your phone screen

Get your home without unnecessary hassle &mdash; starting today!&nbsp;

MBANK &mdash; The first digital&nbsp; 
License No. 014 of the National Bank of the Kyrgyz Republic

Forget about queues: The first digital mortgage in Kyrgyzstan by MBANK

Sounds familiar: you&rsquo;re on your way, and suddenly something starts knocking under the hood or the check engine light comes on. Car repairs are never timely&mdash;especially when payday is still half a month away, and you rely on your car every day.

At M+, we believe safety and proper car maintenance shouldn&rsquo;t wait for a &ldquo;better moment.&rdquo; That&rsquo;s why we&rsquo;ve launched a special offer for those who value high-quality service: get your car fixed by professionals now and pay later.

Quality without compromise

Your car deserves expert care. At authorized Kia service centers, professionals know every detail of your vehicle. The key advantage is the use of original spare parts&mdash;ensuring a perfect fit, long service life, and protection of your engine and chassis.

Starting April 1, enjoy exclusive conditions at Kia service:

&bull; 0% installment plan &mdash; no fees or interest. Pay only for what you receive 
&bull; 5% discount on original parts and services &mdash; even better than paying cash 
&bull; 0 KGS down payment &mdash; pick up your repaired car today and pay later on schedule

How it works:

<ol>
	<li>Apply: Open the M+ section in the MBANK app and get your limit online</li>
	<li>Pay via QR: Scan the MBANK QR code at the Kia cashier or select the partner in M+</li>
	<li>Choose M+: Select &ldquo;Pay in installments with M+&rdquo; as your payment method</li>
	<li>Set your plan: Choose a convenient repayment period and confirm</li>
</ol>

Time to act

The offer starts on April 1 and is available for a limited time. Don&rsquo;t compromise on safety by choosing cheap alternatives or postponing repairs. Visit an official Kia service center, use your M+ limit, and drive away with your car in perfect condition&mdash;now with a 5% discount.

Authorized Kia service + M+ installments = reliable car care without extra costs

MBANK &mdash; The first digital&nbsp; 
License No. 014 of the National Bank of the Kyrgyz Republic

Car needs repairs but payday is still two weeks away? Fix it at Kia with M+ and get a 5% discount

When a business urgently needs funding &mdash; for inventory, equipment, or rent &mdash; every minute counts. There&rsquo;s no longer a need to wait weeks for a bank decision. The MBusiness online loan for individual entrepreneurs has become even more accessible, with the interest rate reduced to 16% per annum.

<h3>Why is it convenient?</h3>

&mdash; Competitive rate: only 16% per annum &mdash; one of the best offers for business growth today 
&mdash; Fully online: no documents, no branch visits, no queues 
&mdash; Instant decision: applications are reviewed in just 7 seconds &mdash; while you&rsquo;re planning your next step, the answer is already ready

<h3>Simple and transparent terms</h3>

&mdash; Loan amount: up to 500,000 KGS 
&mdash; Term: up to 36 months 
&mdash; Eligibility: individual entrepreneurs aged 18 to 65 
&mdash; Application: fully online, no paperwork

If you need up to 200,000 KGS, funds are credited to your account almost instantly. For higher amounts, a visit to an MBANK branch is required to complete the process.

The effective interest rate (EIR) for the product is 18.53%.

<h3>Additional protection and confidence in your decision</h3>

MBusiness not only focuses on speed and convenience but also ensures customer safety. After loan approval, a special cooling-off period is provided, allowing clients to reconsider their decision:

&mdash; from 50,000 to 100,000 KGS &mdash; 4 hours 
&mdash; from 100,000 to 200,000 KGS &mdash; 12 hours

For amounts from 100,000 to 200,000 KGS, a confirmation call from a bank representative (number 5353) will be made during this period.

This approach allows clients to make well-considered decisions and provides additional protection against potential fraud.

Don&rsquo;t postpone your business growth &mdash; get support today. Learn more via the link: MBANK

MBANK &mdash; The First Digital. Made in Kyrgyzstan!

Approval in 7 Seconds: MBusiness Reduces Online Loan Rate for Entrepreneurs to a Record 16%

Financial Security: Knowledge Everyone Needs 
Special attention was given to digital security.

The Head of the Information Security Department talked about common fraud schemes, including dropper attacks, and explained how the bank protects its systems.

Students received practical recommendations:

* Avoid suspicious links 
* Never share confirmation codes 
* Check the source of messages, even if they seem official

This session was one of the most engaging, as it dealt with real situations that every user may encounter.

Insights from Leaders: Symbolism and Thinking 
Maksatbek Ishenbaev also revealed the symbolism of MBANK&rsquo;s logo: the letter &ldquo;M&rdquo; consists of two ones (upright and inverted), representing the goal of being &ldquo;first twice.&rdquo;

He stressed that financial literacy is the foundation of security and confidence at any age.

Artificial Intelligence and the Future of Professions 
Designer Azamat conducted a lecture on AI capabilities, demonstrating how modern tools, including Google&rsquo;s Veo model, help create video content.

He also highlighted the importance of using AI tools for learning and work: 
&ldquo;Use Claude &mdash; it&rsquo;s a powerful tool for structuring information and fixing code errors. In this field, the only limit is your imagination.&rdquo;

Practice: Students as Product Testers 
The most interactive part was the session with product specialist Jenny.

Students were invited to act as &ldquo;secret testers&rdquo; of new MJunior app features. Using prototypes on their smartphones, they tested the interface, selected icons, and provided honest feedback.

They noted real issues &mdash; from technical glitches to delays in transfers. All insights were promptly shared with the development team.

Voices of Participants 
Kiliya (School No.33): &ldquo;I learned that there are far more professions in a bank than I thought. Everything is interconnected. I wish such excursions happened more often.&rdquo;

Misha: &ldquo;It&rsquo;s hard to choose a profession, and MBANK helps. Seeing everything from the inside is a unique experience.&rdquo;

Artur: &ldquo;The day was very useful. Missing lessons was worth it &mdash; the experts&rsquo; advice really helped. Thanks for a productive day.&rdquo;

Final: Emotions That Stay 
The day ended in a warm and informal atmosphere. A coffee break with burgers and cupcakes allowed participants to relax and share impressions.

But it didn&rsquo;t stop there. Inspired by what they saw, students suggested filming video trends right in TehnoPark, turning the educational tour into live digital content &mdash; in the spirit of modern fintech and the new generation.

A special moment was celebrating the birthday of one of the participants right in TehnoPark, with congratulations, smiles, and a festive atmosphere.

All winners also received symbolic &ldquo;payment&rdquo; for their work as testers &mdash; memorable prizes and gifts from the MBANK team.

This Is Just the Beginning 
Global Money Week &ndash; 2026 with MBANK showed that fintech is not an abstract industry, but a vibrant, dynamic world of opportunities.

MJunior&nbsp;continues to invest in education, open new horizons for youth, and cultivate a generation that will not just use technology, but create it.

And this is only the beginning.

MJunior&nbsp;&mdash; The First Digital Bank. Made in Kyrgyzstan! 
NBRK License № 014

Path into the Fintech Ecosystem: Chronicle of Global Money Week – 2026 with MBANK

Financial literacy is not just boring numbers in textbooks &mdash; it is a real-life skill for surviving in the modern world. As part of the international campaign <a href="https://globalmoneyweek.org/" style="text-decoration:none">Global Money Week</a> 2026, the team behind the MJunior project set out to prove this in practice by visiting schools in Bishkek and turning ordinary lessons into engaging financial intensives.

The events began with informal conversations: MJunior representatives and school administrators immediately set the tone &mdash; there would be no dry lectures, only knowledge that is truly useful in real life. The main speaker was expert and director of the country&rsquo;s first public online school &ldquo;Tunguch,&rdquo; Aisuluu Zhamangulova. She explained to teenagers in simple terms how to build a personal budget and why it is important to start investing in their future as early as possible.

But it wasn&rsquo;t just about theory. The most exciting part of the meeting was a tournament based on the well-known game CashFlow. Classrooms temporarily turned into improvised trading floors: students learned to distinguish between assets and liabilities, negotiated deals, and tried to escape the &ldquo;rat race&rdquo; of financial routine.

&ldquo;I really liked it &mdash; everything was at the highest level. I got a lot of эмоtions and, most importantly, learned a lot about how money works. I wish such meetings happened more often,&rdquo; shared one of the winners, a student named Bilal.

Teachers also highlighted the importance of the initiative. Elmira Asanbaevna from the &ldquo;Ilim&rdquo; educational complex noted that teaching financial discipline from grades 5&ndash;6 is a necessity already being discussed at the national level. According to her, the ability to save pocket money is the first step toward major financial independence.

The results of the day were impressive: the top 10 &ldquo;financiers&rdquo; from each school received certificates and gifts from MJunior, as well as a unique opportunity. On April 1, the doors of the head office of MBANK will open for them. The winners will go on an exclusive tour, where they will see the &ldquo;heart&rdquo; of the bank and understand how digital finance works from the inside.

The rest of the participants also did not leave empty-handed &mdash; each received a certificate of completion. The MJunior team believes that by shaping the right attitude toward money in children today, we are laying the foundation for a prosperous society tomorrow.

MJunior &mdash; the first step toward a confident future! 
License of the National Bank of the Kyrgyz Republic No. 014

The Future Begins with a Piggy Bank: How MJunior Teaches Bishkek School Students to Manage Capital

VISA cards will be temporarily unavailable.

Our partners will take a short &ldquo;reboot&rdquo; break. 
On April 1st, from 05:00 to 06:00, transfers via phone number, QR payments, and MPay may be unavailable.

MBANK will monitor the situation to ensure that all services resume as quickly as possible.

Thank you for your understanding!

Technical maintenance

MKassa extends the &ldquo;Zero to a Million&rdquo; promotion until April&nbsp;15, 2026, opening up even more opportunities for entrepreneurs to grow and digitize their businesses.

If you are just planning to connect a POS terminal or want to switch to convenient and transparent payment acceptance, now is the best time. The promotion allows you to start with zero commission and no upfront costs.

<h3>Maximum benefits for your business</h3>

As part of the &ldquo;Zero to a Million&rdquo; promotion, entrepreneurs receive everything they need to get started:

<ul>
	<li>
	0% commission on card and QR payments
	</li>
	<li>
	A free POS terminal with no purchase or delivery fees
	</li>
	<li>
	A free cash register with automatic fiscalization (optional)
	</li>
	<li>
	Free transfers to MBANK 24/7
	</li>
</ul>

* The 0% commission terms apply to sole proprietors and LLCs for 3 months or until turnover reaches 1,000,000 KGS.

<h3>Who can participate</h3>

The promotion is available to all entrepreneurs who register for the MKassa service by April 15, 2026.

<h3>MKassa &mdash; when your business is under control</h3>

MKassa is more than just payment acceptance. It is a convenient digital service for managing your business:

<ul>
	<li>
	Accepting payments via cards and QR codes
	</li>
	<li>
	Managing outlets and cashiers
	</li>
	<li>
	Real-time analytics and transaction control
	</li>
	<li>
	Fast setup with no paperwork
	</li>
</ul>

Connect now and accept cashless payments on favorable terms: 
👉&nbsp;<a href="https://mbank.kg/mkassa" rel="noopener" target="_new">https://mbank.kg/mkassa</a>

You can review the promotion rules via the following link:

<a href="https://mbank.kg/media/documents_page/documents/Pravila_aktsii_Nol_na_million_ru.pdf" style="text-decoration:none">Promotion Rules &ldquo;Zero to a Million&rdquo;</a>

MBANK &mdash; The First Digital! 
License No. 014 of the National Bank of the Kyrgyz Republic.

0% commission and a free POS terminal: MKassa extends the “Zero to a Million” promotion

MBANK informs about amendments to the Public Offer for banking services.

Key changes: 
&bull; measures to prevent fraudulent activities 
&bull; alignment of the offer with the requirements of the Digital Code of the Kyrgyz Republic

Effective date: April 14, 2026

Changes to the Public Offer for Legal Entities

Enrolling a child in school is an important step for every family. 
Previously, this process took time. You had to plan visits, monitor lists, and worry about whether you would manage to submit documents on time to enroll your child in the first grade.

Now you can enroll your child in the first grade directly in the MBANK app &mdash; quickly, clearly, and without unnecessary steps.

Easier than it seems

How does it work? 
The app offers the &ldquo;Electronic School Enrollment&rdquo; service, where the system is already set up to:

<ul>
	<li>Automatically find your children;</li>
	<li>Show schools based on your registered address;</li>
	<li>Allow you to submit an application in just a few clicks.</li>
</ul>

No complicated forms &mdash; everything is already filled in, you just need to review and confirm.

How to enroll your child in school online:

<ol>
	<li>Open the MBANK app and go to the &ldquo;Services&rdquo; section, then &ldquo;Government Services&rdquo; and &ldquo;Family&rdquo;.</li>
	<li>Select &ldquo;Electronic School Enrollment&rdquo; &mdash; a list of your children will appear. 
	(If your children are not displayed, please contact the Ministry of Education.)</li>
	<li>Select the child you want to enroll.</li>
	<li>Choose the suggested school and the language of instruction.</li>
	<li>Click &ldquo;Enroll&rdquo;. After that, the status &ldquo;Enrolled&rdquo; will appear.</li>
</ol>

Important dates:

First stage: 
April 1 &ndash; May 29 (10:00 AM &ndash; 6:00 PM) 
During this period, the system offers schools assigned to the parent&rsquo;s registered address.

Second stage: 
June 1 &ndash; August 14 (10:00 AM &ndash; 6:00 PM) 
At this stage, you can choose any school with available spots, regardless of the district. 
The dates of the second stage may be changed &mdash; if necessary, the Ministry of Education of the Kyrgyz Republic may extend them.

Each year, the government makes this process more convenient and transparent by introducing digital solutions. Today, thanks to the joint work of MBANK and the Ministry of Education of the Kyrgyz Republic, enrolling a child in the first grade is fast and comfortable &mdash; in just a few clicks.

MBANK &mdash; the first digital!

License of the National Bank of the Kyrgyz Republic No. 014

Enroll your child in school in just a few minutes via the MBANK app

News

Business loans and deposits, QR payments, corporate cards and online banking — convenient financial solutions from MBANK for entrepreneurs

Currency	Purchase	Sale	NBKR
USD	87.4000	87.8000	87.4488
EUR	100.6000	101.6000	100.7891
RUB	1.0800	1.1050	1.0853
KZT	0.1700	0.1900	0.1851

0% commission on payment acceptance up to 1,000,000 KGS for new MKassa clients!

Deposit "Daily" for individual entrepreneurs – we pay income every day!

Регистрация ИП онлайн с MBusiness

MBusiness – the best app for business

Salary project

MISLAMIC – Shariah Compliant Mobile Banking

16% for Individual Entrepreneurs in MBusiness

MKassa

MBusiness

Deposits

Card for Your Business

Business loan

Business loan

Exchange rates

Nearest ATMs and branches