In short: Suits clients who want the largest state bank and free virtual Visa and Mastercard cards. Terms for non-residents and foreigners are not published on the bank's website, so they must be confirmed directly.
Terms for non-residents
- Non-residents
- Check with the bank
- Remote account opening
- Check with the bank
- Visa / Mastercard
- Yes
- Russian-language support
- Yes
- Former name
- RSK Bank; the license with the new name was issued on 5 June 2024
- Owner
- State (state-owned bank)
- Founded
- 1996 (Settlement and Savings Company); RSK Bank in 2008, Eldik Bank in 2024
- Size
- KGS 295 billion in assets as of 30 June 2026, first in the country
- Visa Gold and Mastercard Gold
- free account opening, free servicing in the first year for som accounts (USD 7 for USD accounts, EUR 7 for EUR accounts), then KGS 500, USD 7 or EUR 7 a year
- Virtual Visa and Mastercard cards
- free issue and servicing, ordered in the Eldik app in a few minutes
- Mastercard World Elite
- KGS 10,000, USD 120 or EUR 100 a year; 2% cashback, LoungeKey business lounges, travel insurance of up to USD 1.5 million
- Ruble cash deposits
- 3% fee under the tariffs on the website
Pros
- The largest bank in the country by assets: KGS 295 billion as of 30 June 2026
- Visa, Mastercard and Elkart; Gold cards in soms are free in the first year
- Free virtual Visa and Mastercard cards in the app
- Apple Pay and Google Pay through the Eldik app or a linked card
- An Islamic banking window and state mortgage programs
Cons and limits
- Terms for account opening by non-residents and Russian citizens are not published on the website
- Premium cards are paid: World Elite and Visa Infinite cost KGS 10,000 a year each
- Card delivery to an address is available only within Bishkek
- Free virtual cards and delivery are designed for clients identified in Kyrgyzstan
- By October 2026 the bank had closed the accounts of about 126 companies because of sanctions risk
## About the bank
Eldik Bank is the former RSK Bank. The president announced the name change on 18 May 2024, shareholders approved it, and on 5 June 2024 the National Bank issued a license with the new name. The bank's predecessor was the Settlement and Savings Company, created in 1996; in 2008 it became OJSC RSK Bank.
The bank is state-owned. At 30 June 2026 its assets were KGS 295 billion, first place in the country; ABank is second with KGS 271.1 billion. The three largest banks together hold 51% of banking system assets, and the five largest 67.7%. Do not confuse Eldik Bank with Capital Bank: they are different organizations, and the UK and EU sanctions concern Capital Bank, not Eldik Bank.
## Account for non-residents
There are no separate terms for non-residents or Russian citizens on the official pages. The only thing known concerns card issuing: delivery to an address works within Bishkek from Monday to Friday, 9:00 to 21:00, and the card is handed over in person on presentation of the original passport or its electronic version in Tunduk. Virtual Visa and Mastercard cards are issued in the Eldik app in a few minutes, but this is designed for clients identified in Kyrgyzstan. If you are arriving from abroad, first find out at a branch which documents a foreigner needs.
## Cards and payments
The range includes Visa, Mastercard and Elkart; Visa and Mastercard are issued in soms, dollars and euros, and Elkart only in soms.
| Card | Terms |
|---|---|
| Visa Gold | free account opening, free servicing in the first year for som accounts, then KGS 500, USD 7 or EUR 7 |
| Mastercard Gold | same terms |
| Mastercard World Elite | KGS 10,000, USD 120 or EUR 100 a year |
| Visa Infinite (credit) | servicing KGS 10,000 a year, limit up to KGS 500,000, grace period up to 45 days |
| Elkart Contactless | servicing KGS 100 a year |
| Virtual Visa and Mastercard | free issue and servicing |
Apple Pay and Google Pay can be connected through the Eldik app or a linked card. Mir cards do not work in the country, and the bank does not offer the Faster Payments System (SBP) or UnionPay. The exchange rates on the website show a 3% fee for depositing ruble cash.
## Who it suits
- Those who choose the largest state-owned bank in the country.
- Those who need a free virtual Visa or Mastercard for online payments.
- Clients who live in Bishkek and want card delivery to their home.
If published tariffs for foreigners matter, look at Bakai Bank and MBANK.
Frequently asked questions
Is this the same bank as RSK Bank?
Yes. OJSC RSK Bank was renamed OJSC Eldik Bank: the president's initiative was announced on 18 May 2024, and on 5 June 2024 the National Bank issued a license with the new name. It is not Capital Bank; they are different banks.
Will Eldik Bank open an account for a Russian citizen?
The website publishes no terms for non-residents or Russian citizens. The bank decides after identification; ask at a branch about documents and procedure.
How much do virtual cards cost?
Issuing and servicing virtual Visa and Mastercard cards in the Eldik app is free. They are designed for clients identified in Kyrgyzstan.
Does Apple Pay work?
Yes. Apple Pay and Google Pay can be used through the Eldik app or a linked Visa or Mastercard.
Does Mir work?
No. Servicing of Mir cards in Kyrgyzstan stopped in April 2024.