For Private Clients

Refinancing minus -5%

Interest rates:

Interest rate (%) - 25*; Currency - KGS; Minimum amount - 20000; Maximum amount - 1000000; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;

Light loan

Interest rates:

Interest rate (%) - 20*; Currency - KGS; Minimum amount - 200000; Maximum amount - 500000; Minimum period, months - ; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 12*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - ; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;

Loans "Agro"

Interest rates:

Interest rate (%) - 16*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 3; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;

Loans "Business"

Interest rates:

Interest rate (%) - 16*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 3; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;
Interest rate (%) - 8*; Currency - EUR; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;

Credit Line "Micro"

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 20000; Maximum amount - 1000000; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;

"Personal” consumer loans

Interest rates:

Interest rate (%) - 18*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 20000000; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 12*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - Y;

"Online Ykcham" loan

Interest rates:

Interest rate (%) - 28*; Currency - KGS; Minimum amount - 500; Maximum amount - 50000; Minimum period, months - 1; Maximum period, months - 2; Calculate at the current exchange rate (Y/N) - ;

"For any purpose" loan

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 20000; Maximum amount - 100000; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;

"5 salaries" loan

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 7000; Maximum amount - 500000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

"Overdraft" loan

Interest rates:

Interest rate (%) - 28*; Currency - KGS; Minimum amount - 3000; Maximum amount - 200000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

"Express without collateral" loan

Interest rates:

Interest rate (%) - 28*; Currency - KGS; Minimum amount - 20000; Maximum amount - 150000; Minimum period, months - 3; Maximum period, months - 18; Calculate at the current exchange rate (Y/N) - ;

Online loan

Interest rates:

Interest rate (%) - 25*; Currency - KGS; Minimum amount - 1000; Maximum amount - 200000; Minimum period, months - 1; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

Credit line

Interest rates:

Interest rate (%) - 16*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 1; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 1; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;
Interest rate (%) - 8*; Currency - EUR; Minimum amount - ; Maximum amount - ; Minimum period, months - 1; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;

“Mortgage” loans

Interest rates:

Interest rate (%) - 18*; Currency - KGS; Minimum amount - 200000; Maximum amount - 36000000; Minimum period, months - 36; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 12*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 36; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - Y;
Interest rate (%) - 10*; Currency - EUR; Minimum amount - ; Maximum amount - ; Minimum period, months - 36; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - Y;

“Warm house” consumer loans

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 10000000; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - Y;

“Mortgage by State Mortgage Company” loan

Interest rates:

Interest rate (%) - 8; Currency - KGS; Minimum amount - 24000; Maximum amount - 4000000; Minimum period, months - 3; Maximum period, months - 180; Calculate at the current exchange rate (Y/N) - ;

Loans "Energy efficient"

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - Y;

"Goods on credit" loan

Interest rates:

Interest rate (%) - 28*; Currency - KGS; Minimum amount - 7000; Maximum amount - 500000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

Курсы валютна 00:01 05.07.2025

Валюта	Покупка	Продажа
USD Доллар США	87.3	87.8
EUR	102.2	103.2
KZT Казахстанский тенге	0.15	0.19
RUB Российский рубль	1.1	1.13

Terms and commissions

Individual exchange rate

И все это через мобильный телефон

Скачать ЭЛСОМ

App Store

Google Play

QR код для скачивания ЭлсомQR код для скачивания Элсом

04.07.2025

Non-working day in Kazakhstan

03.07.2025

Contribution to SDG 4: KICB and the Red Crescent Improve Conditions for 420 Schoolchildren in Osh Region

03.07.2025

Non-working day in USA

01.07.2025

Visa and KICB sponsored the fashion show “Fashion and Art”

01.07.2025

We work without a lunch break!

30.06.2025

Non-working day in China

26.06.2025

SWIFT transfers in US dollars at reduced rates!

25.06.2025

On suspension of the activities of the Osh-Center branch

25.06.2025

Change of tariffs on cash and settlement services from 09.07.2025

25.06.2025

KICB successfully issued and placed KGS 1.3 Billion Sustainability Bonds with IFC

23.06.2025

Notification of technical work on the part of JSC «IPC»

20.06.2025

Technical Work Notification

18.06.2025

Notification of technical work on the part of JSC «IPC»

18.06.2025

Notice for customers of sub branch «Bereket-Grand»

13.06.2025

KICB invests in “Development Centers on Jailoo”

12.06.2025

KICB Supports Children’s Day Initiatives in Talas and Naryn

12.06.2025

Notification for clients

05.06.2025

Notice for clients of sub branch "Vostochnaya"

05.06.2025

KICB informs about the working schedule for the Kurman Ait holiday

02.06.2025

KICB becomes the first bank in Kyrgyzstan to partner with Emirates NBD in the UAE

For Private Clients

Loans

Refinancing minus -5%

Light loan

Loans "Agro"

Loans "Business"

Credit Line "Micro"

"Personal” consumer loans

"Online Ykcham" loan

"For any purpose" loan

"5 salaries" loan

"Overdraft" loan

"Express without collateral" loan

Online loan

Credit line

“Mortgage” loans

“Warm house” consumer loans

“Mortgage by State Mortgage Company” loan

Loans "Energy efficient"

"Goods on credit" loan

Курсы валютна 00:01 05.07.2025

И все это через мобильный телефон

News

Non-working day in Kazakhstan

Contribution to SDG 4: KICB and the Red Crescent Improve Conditions for 420 Schoolchildren in Osh Region

Non-working day in USA

Visa and KICB sponsored the fashion show “Fashion and Art”

We work without a lunch break!

Non-working day in China

SWIFT transfers in US dollars at reduced rates!

On suspension of the activities of the Osh-Center branch

Change of tariffs on cash and settlement services from 09.07.2025

KICB successfully issued and placed KGS 1.3 Billion Sustainability Bonds with IFC

Notification of technical work on the part of JSC «IPC»

Technical Work Notification

Notification of technical work on the part of JSC «IPC»

Notice for customers of sub branch «Bereket-Grand»

KICB invests in “Development Centers on Jailoo”

KICB Supports Children’s Day Initiatives in Talas and Naryn

Notification for clients

Notice for clients of sub branch "Vostochnaya"

KICB informs about the working schedule for the Kurman Ait holiday

KICB becomes the first bank in Kyrgyzstan to partner with Emirates NBD in the UAE