My O! + Bank 4.1.0

My O! + O!Bank presents itself as a comprehensive superapp, integrating mobile banking capabilities along with a personal account and a marketplace tailored for users in Kyrgyzstan. The application allows access with any local SIM card, enhancing convenience for its users.

The platform facilitates account openings, deposits, and the issuance of virtual cards, enabling users to secure loans from the comfort of their home. Additionally, O!Bank cards offer cashback opportunities for payments, making financial transactions both rewarding and straightforward. Users can pay for various services, purchase goods and air tickets, and utilize accumulated bonuses—all within a single application.

Payments

• Instant QR payments and money transfers with cashback benefits.
• Transfers to phone numbers, cards, or accounts within Kyrgyzstan.
• Capability to transfer funds between personal accounts.
• Quick top-ups using external bank cards.
• Option to save favorite transaction templates.
• Access to transaction history for better financial management.

Services

• No-cost payments for internet and utility services.
• Access to over 300 government services, including tax and registry office payments.
• Penny monitoring and penalty payments made easy.
• E-patent application processes, renewals, and fee payments directly through the app.

Visa and Elcart Cards

• Easy application process within the app for card issuance.
• Support for all types of payments and money transfers.
• No limits on topping up balances.
• Quick access to balance checks and transaction histories.
• User-friendly interface facilitating navigational ease.

Deposits

• Online opening of Money Box accounts directly from the app.
• The option to add funds at any time.

Loans

• The minimum repayment term is set at one month, while users can extend up to 24 months based on applicable laws of the Kyrgyz Republic.
• A full repayment within 60 days is not defaulted; conditions apply based on loan agreements.
• The loans are denominated in Kyrgyz som, targeting nationals of the country with no additional fees or issuance charges applicable.
• An example calculation shows that with a loan amount of 100,000 KGS at an annual rate of 22.99% over 12 months, the monthly installment amounts to 9,407.15 KGS, totaling interest accrued at 12,885.79 KGS throughout the loan period.
• The maximum effective annual interest rate can reach up to 25.41% depending on terms applied.

O! Customer’s Personal Account

• Efficient management of plans, services, and subscriptions.
• Monitoring balances for personal and dependent accounts.
• Activation of mobile TV services and organization of Saima wireline internet connections.
• A responsive support team for user assistance.
• A map feature highlighting all O!Bank offices, stores, and payment terminals across the region.

Marketplace

• A diverse selection of over 55,000 items from top vendors including electronics and household goods.
• 24/7 delivery service facilitated by Globus with free shipping on orders above 1,000 KGS.
• The platform offers an intuitive online shopping experience with exclusive deals available.

Travel Services

• An affordable ticketing option available for both local and international flights through a streamlined search function.
• The ability to purchase tickets for others along with options for modifying or canceling reservations.

Bonus Features

• Earning bonuses on QR payments to partners, virtual Visa card transactions, and O! plan fee payments.
• Up to 15% cashback opportunities available through various transactions.
• The possibility of using bonuses for public transport fares or shopping at partner locations.

Gift Cards

• Flexible gift certificates available for goods or services are easy to redeem through QR codes or a simple code presentation at checkout.

Around-the-clock support is accessible via designated hotlines at 8008 and +996700000999.

* Further details regarding regulatory frameworks relevant to banking activities in the Kyrgyz Republic can be found at: Law of the Kyrgyz Republic on Banks and Banking Activities, Credit Risk Regulation.

Please review confidentiality policies regarding personal data processing prior to application download:

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