My O! + Bank offers a unified digital experience combining personal finance, mobile banking, marketplace access, and travel tools—all available to users of any Kyrgyzstan SIM card. The platform supports instant transactions, Visa and Elcart card management, cashback rewards, government service payments, and personal account oversight. It also enables effortless shopping, domestic and global travel booking, and loan applications without visiting a branch, making financial services and everyday spending more streamlined and accessible.
Payment Features and Money Transfers
- Make instant QR-based payments and receive cashback rewards.
- Transfer money via phone numbers, bank cards, or accounts throughout Kyrgyzstan.
- Perform transfers between your own linked accounts.
- Top up from external bank cards using fast deposit tools.
- Save and reuse your favorite transactions using template functionality.
- View a complete transaction history to monitor spending and transfers.
Government and Utility Services
- Pay for internet and utility services with zero service fees.
- Access over 300 public service payments, including taxes, registry fees, and ministry transactions.
- Check and pay fines and penalties across government agencies.
- Submit and extend e-patents directly through the interface, including application fee settlement.
Card Management Tools
- Open new Visa or Elcart cards within the application.
- Access full payment functionality including online purchases, in-store use, and person-to-person transfers.
- Replenish card balances without limitations using internal or external accounts.
- Check card balances and transaction records instantly.
- Enable easy card control using an optimized interface for mobile usage.
Deposit and Savings Management
- Open Money Box deposits directly in-app for safe savings storage.
- Top up deposits on demand without needing branch visits.
- Review earnings and progress in secure digital accounts.
Loan Services and Conditions
- Apply for loans entirely online, valid for citizens of the Kyrgyz Republic.
- Borrow in the national currency (KGS) for terms between 3 and 48 months.
- No origination fees or hidden commissions for approved applicants.
- View sample calculations for monthly installments and total interest.
- Payments follow annuity methods based on the remaining principal.
- Maximum annual rate capped at 30.39%, subject to national regulations.
Personal Account and Mobile Plan Oversight
- Manage O! mobile plans, subscriptions, and services directly in the dashboard.
- Monitor balances for your own and family accounts.
- Activate Mobile TV or wireline internet services such as Saima.
- Find offices, stores, and terminals via an interactive map.
- Reach responsive support for account or connectivity issues.
Marketplace Access and Shopping Experience
- Browse over 55,000 items from verified vendors, covering electronics, appliances, and household goods.
- Enjoy 24/7 delivery services from Globus with free shipping on orders over 1,000 KGS.
- Shop using a clean interface with fast filters and user-friendly design.
- Access time-limited promotions and exclusive deals for digital shoppers.
Travel Booking and Reservation Management
- Search and purchase air tickets to global destinations through regional and international airlines.
- Compare prices using smart filters and schedule views.
- Purchase tickets for yourself or others, and manage bookings including cancellations and changes.
- Book confidently with access to current airline partnerships and route availability.
Bonus and Cashback Programs
- Earn bonuses for QR partner payments, virtual card transactions, and mobile plan fees.
- Accumulate rewards up to 15% cashback across eligible categories.
- Spend bonuses at grocery stores, on utility bills, public transport, and partner shops.
- Receive additional rewards for O!Travel bookings and O!Market orders.
Digital Gift Cards
- Send gift certificates for goods and services to family or friends.
- Redeem with QR codes or numeric inputs at participating merchants.
- Environmentally efficient and ideal for quick digital gifting.
Frequently Asked Questions
Q: Can I use any Kyrgyz SIM to access the app?
Yes, the app supports login from any Kyrgyzstan-based SIM card.
Q: How do I open a Visa or Elcart card?
Cards can be created directly within the app interface.
Q: Are loans available to all users?
Loans are offered only to Kyrgyz Republic citizens using Kyrgyz som.
Q: What is the maximum loan repayment period?
Up to 48 months, depending on eligibility and chosen terms.
Q: How do I earn bonuses?
Bonuses are earned via QR payments, mobile plan fees, and purchases on partnered services.
Q: Is product delivery available nationwide?
Yes, free delivery starts at 1,000 KGS for qualifying orders.
Q: Can I book flights for other people?
Yes, flights can be purchased for any traveler within the booking system.
Q: Are government service payments fee-free?
Most payments including utilities and public services are processed without service fees.
Q: Does the app offer support?
Yes, 24/7 support is available via call centers.
Version History
v3.40.2 —— 8 May 2022
Startup Screen Selector—choose preferred launch interface: Dashboard or O!Money
QR Payment Shortcut—direct access via smartphone camera for seamless transactions
Card Transfers Simplified—scan card details to initiate payments without manual input
Improved Transaction History UI—enhanced layout and organization for better readability
Favorites Enhancement—save favorite transactions even without specifying amounts
