Payment Cards
In the event of loss, theft or unauthorized use of your card, please contact us on the phone+996 (312) 90-59-59 |
List of POS-terminals of the “OPTIMA BANK” OJSC
- Obtaining cash in points of cash withdrawal and ATM;
- Receiving information on your card account balances through electronic devices (POS-terminals and ATMs.
- Payment for goods and services are made via electronic devices (POS terminals), Internet.
- Twenty four hour access to money on your card account;
- The guaranteed safety of your funds: Immediate notification of the Bank on loss/theft of your card will allow to block the card and your money will remain in safety in the Bank on your holder’s card account, unlike the case of theft/loss of disposable funds;
- The payment card is accepted as a payment method in the territory of the Kyrgyz Republic and abroad and it does not depend in what currency the card account was opened;
- Conversion is made automatically by the payment system on favorable rate for the holder of a card;
- The real opportunity to control and manage your expenses: the Bank provides monthly extract of your card account with indication of all operations and places of their performance made by payment card;
- The necessity of declaring money on your payment card while crossing of any states' border disappears completely;
- Opportunity to issue additional cards to members of your family and your relatives with allocation of a monthly limit of money expenditure.
- Opening of card account is performed in any branch or savings bank of OJSC “Optima Bank”. Your payment card will be ready within 10 working days;
- To obtain a payment card of OJSC “Optima Bank” you need to present your passport, fill in the application form for obtaining international payment card, conclude a Contract on release and servicing of debit payment VISA Card of an individual.
Bank details for transfer of funds to the card
Tariffs on operations with payment cards for individuals
Application for issue of a VISA / Union Pay International payment card
Rules of using payment cards of International payment systems Visa International, Union Pay International and National payment system Elcart
Rules of using Visa/Union Pay International payments cards (in Kyrgyz)
The cardholder has the ability to carry out transactions with the Card within the daily limits on spending money using credit cards:
Intra-day limits for spending money through payment cards with contactless technology (PayWave) without entering a PIN-code:
LIMITS AND RESTRICTIONS
For security purposes, the Bank has established daily spending limits for Card holders.
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No. |
Card |
Daily cash withdrawal limit (ATM / Cash) in the territory of the Kyrgyz Republic / outside the territory of the Kyrgyz Republic2 |
Daily limit for magnetic stripe transactions (ATM / Cash / Retail) outside the territory of the Kyrgyz Republic2 |
Daily restriction for purchases through POS-terminals in the territory of the Kyrgyz Republic / outside the territory of the Kyrgyz Republic2 |
Daily limit for CNP5 transactions2 |
Daily limit for Recurrent Internet Payments3 |
ATM cash withdrawal ban in different countries2 |
Internet transactions ban |
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amount (KGS) |
number of transactions |
amount (KGS) |
number of transactions |
amount (KGS) |
number of transactions |
amount (KGS) |
number of transactions |
amount (KGS) |
number of transactions |
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It is established by default and is normally removed for a while - in Optima24 RBS (remote banking system) and in Way4 system |
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1.1. |
Visa Electron |
60,000.00 |
without restrictions |
15,000.00 |
5 transactions per day |
60,000.00 |
10 transactions per day |
100,000.00 |
12 transactions per day |
50,000.00 |
5 transactions per day |
Indonesia |
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1.2. |
Visa Classic |
100,000.00 |
without restrictions |
15,000.00 |
100,000.00 |
100,000.00 |
50,000.00 |
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1.3. |
Visa Gold |
200,000.00 |
without restrictions |
15,000.00 |
200,000.00 |
100,000.00 |
50,000.00 |
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1.4. |
Visa Platinum |
300,000.00 |
without restrictions |
15,000.00 |
300000.00 |
100,000.00 |
50,000.00 |
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1.5. |
Visa Business1 |
500,000.00 |
without restrictions |
15,000.00 |
500,000.00 |
100,000.00 |
50,000.00 |
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1 Limit management upon application of the customers through the Bank’s branches. |
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2 Limit management upon application / request of the customers through the Contact center / Bank branch / Optima-24 Internet banking. |
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3 Recurrent payments are regular customer payments related to a subscription to services / goods (auto payments, monthly fees, installment payments). |
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4 Limit is not subject to change. |
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5 CNP - Card Not Present Transaction - operations in the Internet environment, manual input transactions (POS KEY ENTRY / IMPRINTER) |
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Limits on cards of the National payment card system ElCart1
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ATM cash withdrawal |
Cash withdrawals in cash points/cash desks |
Internet service payment |
Non-cash payment for goods and services in the trade and retail enterprises network |
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Amount (KGS) |
Number of transactions |
Amount (KGS) |
Number of transactions |
Amount (KGS) |
Number of transactions |
Amount (KGS) |
Number of transactions |
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- Pension card |
60,000 |
10 |
100,000 |
5 |
50,000 |
20 |
100,000 |
20 |
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- Payroll card |
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- Individuals |
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1 Limit management upon application of the customers through the Bank’s branches |
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ATTENTION! The Card holder shall bare all risks and responsibility related to changes in spending limits.
In order to prevent payment card fraud we ask you immediately to contact one of the below provided countries of OJSC “Optima Bank” after the termination of use of card for blocking and reissuing your payment card to the new one with new number, new PIN-code in accordance with the Bank’s tariffs.
- Brazil
- Hong Kong
- Indonesia
- Malaysia
- Mexico
- Nigeria
- Singapore
- Thailand
- Taiwan
- Ukraine
- India
Any verbal application of the Cardholder must be confirmed by written statement, which should be submitted to the Bank at the following address: 493, Jibek Jolu street, Bishkek, Kyrgyz Republic, 720070 or by fax: +996 (312) 66-39-53 within 3 (three) banking days after the verbal application”.
