Deposit "Capital"

Frequently asked questions

1. How to open a deposit with Kyrgyzkommertsbank OJSC Кыргызкоммерцбанк?

   You can open a deposit in any of the branches of Kyrgyzkommertsbank OJSC, you need to have a passport (ID card for citizens of the Kyrgyz Republic or a foreign passport if you are a foreign citizen), fill in and sign the documents for opening demand Deposit accounts and clearance of the Deposit.

2. For what period may I open a deposit?

   You may open a deposit for any period convenient for you upon the bank’s offer: 6 months, 1 year, 2, 3 years, depending on the type of deposit.

3. How are interest accrued on the deposit?

   At the client's request, a monthly payment of interest may be established, or a payment of interest simultaneously with the return of the whole amount of the deposit. Interest is credited to the next working day from the date of the contract. The accrued interest is transferred to your current account or to the debit card of our Bank

4. What should I do to extend the term of the deposit?

   You do not have to come to the Bank to re-issue the deposit at the end of the term of placement - in case of not collecting a deposit at the end of the term, there will be an automatic extension for the same period, with interest accrued on the Deposit at the rate applicable to the Bank for this type of deposit on the day of the extension of the validity term of the Contract

5. How will interest be accrued if I withdraw my deposit ahead f schedule?

   In case you withdraw the deposit before the due date, interest payment shall be made according to the following conditions:
   1) at the expiration of one half of the term of the Contract, interest is paid for the actual period of validity of the Contract in accordance with the rates of the Bank “for early termination of the deposit” for individuals or legal entities.
   2) upon expiry of less than half of the term of the Contract, the interest on the Deposit is not paid.

6. Is it possible to add money to the amount of an already opened deposit?

   You may replenish the account within the term only under “Universal Deposit” according to the approved minimum amount, with any periodicity (cash and non-cash funds), in the deposit currency (or with the condition of converting to the deposit currency); while the reception of additional contributions is terminated 30 days before the expiry of the Contract

7. How can I receive interest on the deposit on the card of another bank?

   It is possible to receive interest on a deposit to a card of another bank only when processing a payment order in any of the branches of Kyrgyzkommertsbank OJSC

8. Is the income on the deposit taxed?

   According to the legislation of the Kyrgyz Republic, currently income from deposits of individuals is not taxed. Legal entities are subject to a profit tax of 10%, according to the Tax Code of the Kyrgyz Republic.

9. How can I find out how much money I have accrued on the deposit as income?

   At the conclusion of the Contract, the client chooses the frequency of interest payments monthly or simultaneously with the return of the whole amount of the Deposit. Accordingly, when choosing a monthly payment, the client can see the credited interest on the settlement account by connecting to the online banking system in the mode of viewing settlement accounts. This is a fee-based service: KGS 400 per month. Either by phone, through the transaction officer +996 312 333 000 (ext. 17047 or 17048), at the same time when opening an account, you need to notify the operational department employee about it in order to establish an identification password in the banking system agreed with the client.