A card from a leading Kyrgyz bank
The bank has been operating since 1998
You get both at once: a VISA card you pay with, and four bank accounts opened in your own name — dollars, euros, dirhams and rubles.
What you pay with
You pay with the card in shops and online — anywhere VISA is accepted. It works in Apple Pay and Google Pay straight away, before the plastic arrives. You choose which currency the card runs in: dollars or euros. You can spend $6,000 to $20,000 a day with it — how much exactly depends on the plan.
Where money is sent to you
Every account has its own number — an address people send money to. The accounts are opened in your name and not the service’s, so a transfer made out to you arrives. You can be paid in four currencies, and swap one currency for another between your own accounts at the bank’s rate. There is no cap on how much you transfer.
Your four accounts
When you pay by card, the money leaves the dollar or the euro account — whichever one you chose. Dirhams and rubles are sent to your account, and you swap them for dollars or euros afterwards.
These are the fees of the bank that issues the card, not getcard’s. They are not part of our fee, and the bank may change them.
| Operation | Fee | Minimum and maximum |
|---|---|---|
| The account | ||
| Opening an account for a foreign citizen | 200 som | |
| Running the account | free | |
| Internet banking | free | |
| Closing the account | free | |
| Closing a dormant account | 100 som | after more than 12 months without a transaction |
| When money arrives | ||
| Crediting currency through the bank’s correspondent accounts | free | |
| Crediting euros through Zhejiang Chouzhou Commercial Bank | 0.5% of the amount | a separate correspondent, not the usual route |
| When money leaves by bank details (SWIFT) | ||
| Dollars and euros | 0.2% | $30 to $300 · €30 to €300 |
| Rubles | 0.1% | 500 ₽ to 3,000 ₽ |
| Dirhams | 0.3% | 120 to 1,000 AED |
| Transfer at the payee’s expense, dollars and euros | $20 · €20 | a flat fee instead of a percentage |
| Exchanging currency | ||
| Exchange between your own accounts | at the bank’s rate | the bank sets the rate itself, on the day |
| Account paperwork | ||
| Statement by email | 10 som | per statement |
| Consolidated account statement | 300 som | |
| Certificate of account opening, in Russian | 300 som | |
| Certificate of account opening, in English | 1,000 som | or in two languages of your choice |
The bank’s schedule is effective from 22.06.2026
The plans differ in price and seven terms. Everything else is the same on all three.
29 000 ₽$380€3501400 AED
Our service fee
29 000 ₽$380€3501400 AED
Our service fee
35 000 ₽$460€4301700 AED
Our service fee
The same on every plan
Your internal and international passport — scans, not photographs. It takes ten minutes.
Issue takes 1 week on average. After that you pay online and through Apple Pay or Google Pay without waiting for the plastic.
The physical card reaches you later.
We accept passports of any country, not only Russian ones. You need an internal passport and an international one. The bank takes the final decision on every application.
Two passports, three scans. Your internal passport — the photo page and the registration page. Your international passport — the photo page. They must be scans rather than phone snapshots: the bank does not accept photographs. Plus a short form with your contact details and occupation. No proof of income, no proof of address, and no notarised paperwork.
You do not fly to Kyrgyzstan, and you go to neither a bank nor a notary. One meeting in Moscow is needed: you meet our associate once. That is the only time you appear in person — you send the documents online, we file the application, and the bank issues the card.
As soon as it is issued, without waiting for the plastic. The account and card are active, you have the details, and you can add the card to Apple Pay or Google Pay and pay from that moment.
Dollars, euros, dirhams and rubles — four separate accounts rather than one multi-currency one. You can hold and spend in any of them, and the ruble account is what makes the card useful to people living abroad who stay connected to Russia.
They are two different ways to move money, and you get both. The card pays in shops and online — it draws on the dollar or euro account, and the daily limit of the plan applies to it. Transfers by bank details move money from account to account: each account has details of its own, opened in your name, and the limits there are not the card limits.
Dollars or euros — you choose when you apply. There are four accounts regardless: dollars, euros, dirhams and rubles. The card draws on the dollar or the euro account; the other two are topped up and converted by bank details.
It is a foreign bank’s card, and VISA and Mastercard have not processed transactions inside Russia since 2022. It does not work domestically; it is for payments abroad, online, and for operations in the account currencies.
Uploading them takes about ten minutes. We check the set and tell you what comes next, before any payment.