Now, if the funds on your account are insufficient to purchase desired goods or to pay for a service, you can take them from Bank. To do this you only need to fill out an application for overdraft or “Three wages” in any branch of the Bank.
 
These services are available to all participants of VISA KICB salary project.
 
Overdraft from KICB allows to quickly and easily obtain short-term loans directly to your card without wasting your time. By filling out an application once, you will get instant access to loan and, as a cardholder of VISA KICB you can receive up to half the amount of your salary, which will be credited to your debit card.
 
The benefits of Overdraft:
  • Low interest rates 
  • No need to pledge property or other assets to obtain loan: loans are granted against a guarantee (two persons for “Three salaries” and one person for “Overdraft”)
  • Short term of consideration of your application
  • Your company or colleagues can be your guarantors
 
 
The Bank also offers its customers to obtain short-term loans to their cards which will be secured by a deposit in KICB. 
 
By filling out an application at any branch of our Bank, you may obtain short-term loan in three days.

You do not need to look for guarantors or pledge your property. Your money placed on your deposit account will be the guarantee of repayment. You will be able to obtain a loan of up to 80% of funds placed on your bank account at 24% p.a. 

You can repay the loan during the whole year. If you timely repay the overdraft you won’t incur any losses.

 
Note
You won’t be able to use the funds of your deposit until full repayment of overdraft secured by deposit.
Amount Up to 50% of salary (up to USD 3 000 or KGS 120 000), up to 80% of deposit amount (up to USD 5000 or up to KGS 200 000)
Interest rate 23-27%
Term Until expiration of the Card
Pledge
Guarantee of the company or colleagues, or a deposit
 
We made loans available!
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