SCHEDULE OF TARIFFS FOR VISA CARDS FOR INDIVIDUALS
(Effective from November 13st, 2023)
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Transaction / service |
Card type |
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Visa Classic (KGS) / (USD) |
Visa Gold (KGS) / (USD) |
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1. |
Issuance of primary VISA card |
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1.1. |
Issuance of primary VISA card with standard design |
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1.1.1. |
Issuance of card (with smart chip) (takes up to 7 business days for Bishkek, 10 business days for regions) |
Free of charge |
Free of charge |
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1.1.2. |
Fee for urgent issuance/reissuance (takes approx. 2 business days, available only in Bishkek) |
KGS 600 / USD 7 |
KGS 1 500 / USD 20 |
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1.1.3. |
Annual card maintenance fee for the 1st year |
KGS 300 / USD 4 |
KGS 1 000 / USD 12 |
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1.1.4. |
Annual card maintenance fee for the 2nd and following years |
300 |
4 |
1 000 |
12 |
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1.1.5. |
Minimum Balance (The minimum balance is blocked on the card account at the first receipt on the card account. The amount is available after card expiration or account closure. Minimum balance also applies to the supplementary card) |
200 |
2 |
400 |
5 |
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1.1.6. |
Fee for primary card renewal |
Free of charge |
Free of charge |
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1.1.7. |
Reissuance of primary card in case of lost / stolen / blocked or damaged card2 |
KGS 300 / USD 4 |
KGS 400 / USD 5 |
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1.2. |
Issuance of primary VISA card with individual design (takes approximately 15 business days) |
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1.2.1. |
Issuance of card with individual design (When ordering cards with individual design minimum balance applies and annual maintenance fee for the 2nd and subsequent years, as the cards with the standard design, according to the tariffs. Fee for the annual maintenance for the 1st year does not apply) |
KGS 1 000 / USD 12 |
n/a |
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1.2.2. |
Fee for primary card renewal with individual design |
KGS 500 / USD 6 |
n/a |
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1.2.3. |
Reissuance of primary card with individual design in case of lost / stolen / blocked or damaged card2 |
KGS 1 000 / USD 12 |
n/a |
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1.2.4. |
Fee for the transfer of funds from the card tied to e-wallet "Elsom" |
0,15% |
0,15% |
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2. |
Accrual %% on the balance (annual), min balance 10,000 som |
3% |
0% |
3% |
0% |
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3. |
In KICB and Friendly network3 |
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3.1. |
Cash withdrawal fee in ATMs (Max cash withdrawal limit is KGS 25 000 or USD 350) |
0% |
0% |
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3.1.1. |
Cash withdrawal fee in POS-terminals |
0,5% |
0,5% |
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3.1.2. |
Receiving USD in cash at KICB cash desks |
Set by the bank on a daily basis |
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3.2. |
Cash withdrawal fee for technical or allowed overdraft4 |
1,5% |
1,5% |
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3.3. |
A card-to-card money transfer (if CARDEX is avaliable5) |
Free of charge |
Free of charge |
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3.4. |
Payments for goods and services |
Free of charge |
Free of charge |
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3.5. |
Card account statements |
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3.5.1. |
Balance inquiry |
Free of charge |
Free of charge |
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3.5.2. |
Mini–statement |
Free of charge |
Free of charge |
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3.5.3. |
SMS – notification ( monthly service fee) |
90 |
1 |
Free of charge |
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4. |
In other banks’ network |
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4.1. |
Cash withdrawal fee in ATMs and POS-terminals |
1% (min KGS 250) |
1% (min USD 3) |
1% (min KGS 250) |
1% (min USD 3) |
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4.2. |
Cash withdrawal fee for technical or allowed overdraft4 |
1,5% (min KGS 250) |
1,5% (min USD 3) |
1,5% (min KGS 250) |
1,5% (min USD 3) |
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4.3. |
A card-to-card money transfer (if CARDEX is avaliable5) |
30 |
0,3 |
30 |
0,3 |
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4.4. |
Payments for goods and services6 |
Free of charge |
Free of charge |
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4.5 |
Card account statements |
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4.5.1. |
Balance inquiry |
70 |
0,8 |
70 |
0,8 |
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4.5.2. |
Mini-statement |
70 |
0,8 |
70 |
0,8 |
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5. |
Operations by cards issued by other banks in KICB devices |
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5.1. |
Cash withdrawal in KICB ATMs |
Free of charge |
Free of charge |
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5.2. |
Payments for goods and services in KICB POS-terminals |
Free of charge |
Free of charge |
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6. |
Card blocking |
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6.1. |
Temporary blocking |
Free of charge |
Free of charge |
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6.2. |
Adding card to stop list (Card will be permanently blocked and must be re-issued at the standard charge) |
Free of charge |
Free of charge |
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6.3. |
Card unblocking |
Free of charge |
Free of charge |
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7. |
Other fees |
(KGS) |
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7.1. |
Fee for return of captured KICB card from KICB ATM (no later than 5 business days7) |
100 |
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7.2. |
Fee for urgent return of KICB card, captured by KICB ATM in Bishkek, in 1 day period |
800 |
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7.3. |
Fee for return of KICB card, captured by other bank’s ATM (Card shall be returned after planned cash collection of ATM, max. in 60 (sixty) day period) |
250 |
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7.4. |
Fee for considering KICB customer claim/dispute on transaction made in KICB and Friendly network. (Standard term of considering is 30 days7) |
100 |
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7.5. |
Fee for considering KICB customer claim/dispute on transaction made in other banks’ network. (Standard term of considering is 30 days) |
500 |
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7.6. |
Fee for providing photo report from KICB ATM for KICB customers (no later than 5 business days7) |
250 |
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7.7. |
Fee for providing photo report from KICB ATM for customers of other banks (no later than 5 business days7) |
800 |
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7.8. |
Fee for considering claim/dispute on transaction from cardholders of other banks (Standard term of considering is 30 days7) |
700 |
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7.9. |
Fee8 for return of card issued by other bank, captured by KICB ATM (Card shall be returned after planned cash collection of ATM, max. in 60 (sixty) day period) |
500 |
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7.10 |
Fee8 for urgent return of card issued by other bank, captured by KICB ATM (Card shall be returned after planned cash collection of ATM, max. in 2 business days pe.7)8 |
800 |
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8. |
Visa Global Customer Assistance Service (GCAS) fees ( USD)9 |
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8.1 |
Emergency Card Replacement |
250 |
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8.2 |
Emergency Cash Disbursement |
175 |
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8.3 |
Emergency service request (in case of rejection or non-use of the request) |
50 |
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8.4 |
Visa assistance center |
7,5 |
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8.5 |
Updating data in Visa Exception File |
3 |
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1 All bank fees include a sales tax of 2%.
2 Re-issuance upon expiration of the card is possible if the card expires no earlier than 2 (two) months after the client contacts the Bank.
3 This fee also applies to networks of banks that are members of Friendly network of VISA. The list of banks participating in the Friendly Network is available on the official website of the bank www.kicb.net.
4 Cash withdrawal from borrowed funds is only possible when conducting transactions with the card in KICB devices and third- party banks.
5 CARDEX is a local card-to-card money transfer system.
6 In the case of Card transactions in a currency other than the currency of the Card account, conversion is carried out taking into account the exchange rate premium of up to 3% of the official rate of the Payment system. In the Operations Register, the amount of the completed Card transaction is reflected taking into account the exchange rate premium on the date of the Card transaction using the Cards.
7 Since an application for dispute transaction is submitted. Moreover, the commission for consideration of the application is withheld even if the appeal was false / unfounded.
8 If the name of the cardholder is embossed on the card and the client is authentificated.
9 Commissions for emergency services, providing in abroad, settled by Payment system and can be changed in one-way order. Transaction currency exchange is carried out with the exchange rate of the day of transaction processing
CARDHOLDER Bank
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Standard spending (daily) limits8:
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CARD TYPE |
Daily Limits |
Single transaction limit |
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ATM |
Manual Cash |
E-commerce9,10 |
ATM |
Manual Cash |
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Amount |
Number of operations |
Amount |
Number of operations |
Amount |
Number of operations |
Amount |
Number of operations |
Amount |
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VISA Classic in KGS |
270 000 |
15 |
375 000 |
5 |
270 000 |
15 |
270 000 |
15 |
50 000 |
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VISA Classic in USD |
4 000 |
15 |
5 000 |
5 |
4 000 |
15 |
4 000 |
15 |
- |
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VISA Gold in KGS |
270 000 |
20 |
1 500 000 |
5 |
270 000 |
15 |
270 000 |
15 |
50 000 |
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VISA Gold in USD |
4 000 |
20 |
20 000 |
5 |
4 000 |
15 |
4 000 |
15 |
- |
8 Daily limits for cards Visa Electron, Visa Classic may be extended upon written request of the customer to the level of card Visa Gold.
9 Remote payment for goods and services includes the types of payments that do not require the physical presence of the card for payment, ie, reservation services in hotel complexes by fax, the payment by phone or by mail (MOTO: mail order / telephone order), etc.
10 The option of online transactions or remote payment is closed on all cards by default. To open this option, it is necessary to fill out an application or open access yourself through the I-bank mobile application.
Standard deposit limits for VISA cards:
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Type of card |
Daily limits |
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Amount |
Number of operations |
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ATM |
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VISA Classic in KGS |
685 000 |
10 |
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VISA Classic in USD |
10 000 |
10 |
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VISA Gold in KGS |
685 000 |
10 |
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VISA Gold in USD |
10 000 |
10 |