Retirement deposit

Time deposits for pensioners and persons who have reached the age of  55 years (or younger, but having a retirement certificate) and  who want to save and increase their own funds.

For opening time deposit customer’s passport is required. For people under 55 years of age a time deposit could be open by providing passport and retirement certificate.

Both depositor or third parties (for example, children / grandchildren and other people) can replenish time deposit.

Product advantages that there is no strict schedule for time deposit replenishments. An additional advantage - the ability to receive accrued time deposit interest on Elcard Pension Card or any other card issued by Kompanion Bank CJSC.

Product Name 

«Retirement» deposit

Product category  

Private deposits. Savings deposit, with replenishment option available.  

Deposit can be replenished by third parties.

Product specification  

Product for the depositors (retirees and over 55 years old individuals) willing not only to save but increase personal funds as well.  



Deposit maturity period  

from 3 to 36 months

Minimal amount of initial deposit

KGS 200; USD 10

Maximum amount of initial deposit

KGS 20 000 000; USD 250 000

Minimal amount of a single replenishment


Maximum amount of monthly replenishment

KGS 3 000 000; USD 15 000

Restrictions on additional replenishments of the Deposit

Replenishment of the Deposit is not allowed in the following cases:

- 2 months before the Deposit expiration date, if the Deposit was opened for the term from 6 to 12 months;

- 3 months before the Deposit expiration date, if the Deposit was opened for the term of 12 months and more.

Deposit type

Fixed-term savings deposit

Interest capitalization 

Not available

Partial withdrawal 

Not available

Disbursement of interest 

On a monthly basis. The interest can be transferred to the Retiree card account or any other account at the depositor’s convenience.



Requisite documents/terms

  1. Personal identification document. 
  2. Pensioner ID card (if applicable).

Premature withdrawal 

  • Total sum of accrued and/or capitalized deposit interests is recalculated according to the interest capitalization terms and disbursed based on 3% KGS and 0% USD interest rate.

Additional information 

Automatic renewal of the deposit contract is not available. In case the depositor would like to extend the contract, he should inform the bank and confirm the new contract terms, at least 3 (three) days prior to the date of deposit maturity. In case of depositor’s absence and failure to claim the deposit funds on the deposit maturity date, Bank transfers the deposit funds and accrued interest to the on-demand account of Depositor.   

Прочие условия

«Kompanion Bank» CJSC reserves the right to establish individual interest rates on deposits depending on its amount and maturity period.

Effective interest rate in KGS up to 14.92%

Effective interest rate in US dollars up to 2.53% 

Kompanion Bank CJSC reserves the right to establish tailored interest rates on deposits depending on a deposit period and amount. 

Table of Interest Rates

Currency 3 months 6 months 9 months 12 months 18 months 2 years 3 years
KGS 5% 9% 11% 13% 13% 14% 14%
USD 0.5% 0.5% 2% 2.25% 2.5% 2.5%

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Calculate savings on a deposit


Annual Interest Rate

Bonus Interest:

Accumulated Amount:

Accrued Interest:

Данные расчеты являются примерными. Более точные расчеты вы можете получить у наших специалистов.

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