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: 30 days

Maximum amount: KGS 350,000, while:

  • not more than 100% of average monthly salary, paid to card account for the past 3 months.

Interest rate:

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

Basic rate  – 31% p.a. applicable to other operations during drawdown period and indebtedness repayment;

Penalty rate  31% 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: 26.92%