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.



Deposit period

from 3 to 36 months

Minimum deposit amount

500  KGS; 10 USD

Maximum deposit amount   

No limits

Minimum deposit replenish amount

No limits

Maximum monthly replenishment amount

1 000 000 KGS; 10 000 USD

Partial withdrawal of the principal

Not provided

Compound interest Not available

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 1% USD interest rate.

• The interest rate on disbursed interests cannot be lower than interest rates of on demand deposits effective on the withdrawal date. 

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.

Effective interest rate in KGS up to 15.46%

Effective interest rate in US dollars up to 0.5% 

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 6% 10% 13% 15.5% 15% 14% 14%
USD 0.5% 0.5% 0.5% 0.5% 0.5%

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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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