Overdraft

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Overdraft is a handy short term loan amounting up to 70% of salary for the members of payroll projects. Get a card, apply for overdraft and pay for your goods and services even with zero card balance.

To arrange overdraft, you need to submit 1 identity document only. Overdraft repayment is automatic and uses the money received to you card account.

Afford yourself more and please your close ones with nice purchases and presents.

Overdraft conditions:

Currency: in card account currency

Period: up to 12 months

Usage period: the current calendar month, in which the overdraft is opened

Maximum amount: KGS 50,000, while:

  • not more than 70% of average monthly salary, paid to card account for the past 3 months subject to organization’s guarantee;
  • not more than 50% of average monthly salary, paid to card account for the past 3 months subject to pledge under the Money Rights Pledge Agreement;
  • not more than 100% if overdraft is granted under the Money Possessory Pledge Agreement.

Interest rate:

Soft rate– 0 % p.a. applicable to non-cash settlements at trade and service outlets during drawdown period;

Basic rate  – 24% p.a. applicable to other operations during drawdown period and indebtedness repayment;

Penalty rate  24% p.a..

For the nearest Bai-Tushum Bank office address and contract phone number, please see Contacts and Branch Network section or contact the Call Center: (312) 905 805.

* effective rate: 26,5%