Private Customers

Kompanion e-wallet

Kompanion e-wallet is a new generation payment instrument enabling customers to make financial transactions through the easy-to-use mobile application. Payment for various services can be made via the e-wallet, for example: utilities, mobile communications, Internet, television and other services, including loan repayment, deposit opening and replenishing through mobile phone.

In order to openKompanion e-wallet, please download mobile applicationfrom Playmarket (for Android) or AppStore (for iOS) 

e-wallet registration steps:

- enter a mobile phone number;

- enter a one-time PIN- is a password required to login to the appsent by SMS,

- enter a new PIN *.

* It is strongly recommended to create a safe and quite complex PIN.To avoid obvious, easily assumed combinations, such as phone number ending, date of birth, etc., when changing the PIN. It is necessary to follow the personal data security and storage rules when using the e-wallet.

It is also recommended to read the Public Offer.-an agreement, where rights and obligations of the User and the Operator are described.

e-wallet special features:

Seamless payment experience more that 200 services available to pay including utility payments, mobile top up, loan repyaments, deposit replenishments and etc. a wide range of requested services, and also banking services, such as loan repayment, deposit replenishment, current account and payment card replenishment.

Easiest way to send moneyonline user-friendly money transfer process allows you to send money to your peers in one-click. 

Keeping your mobile app safe - Touch ID (fingerprint login); facial recognition; have all been implemented to enhance the security of the application.

Merchant payments scanning QR codes to create seamless shopping experience seamless. User doesn’t need to have a bank account or purposely go to the bank to open it in order to register in the e-wallet. It is enough to have a mobile phone number to open the e-wallet. In the case of self-registration, the wallet is considered to be unidentified.

Identification

Self-registered e-wallet users are considered non-identified. It's important to know that non-identified users are not allowed to make wallet-to-wallet transfers, withdraw cash, or make cross-border money transfers. The e-wallet balance of a non-identified user cannot exceed KGS 15,000. The maximum amount of payments per month is limited to KGS 30,000.

The identification process is very simple:

  • The e-wallet user can go through the online identification process via the mobile app (Settings >>> Personal information >>> Pass online identification). Online identification allows e-wallet holders to have access to a wider range of services with increased limits.
  • The e-wallet user can apply to any Kompanion Bank branch. You need to present your passport. Identified holders can use all e-wallet services without any limitations.  

 

Non-identified e-wallet

Remote identification

Identified e-wallet

Maximum balance

KGS 15,000

Maximum balance

KGS 30,000

Maximum balance

KGS 6,000,000 

Maximum volume of monthly payments

KGS 30,000

Maximum volume of monthly payments

KGS 30,000

Maximum volume of monthly payments

KGS 6,000,000 

Limit per transaction

KGS 1,500

Limit per transaction

KGS 15,000

Limit per transaction

KGS 200,000 

The following services are not available:

  • cash withdrawal
  • transfers to Kompanion, Elsom, О!Dengi, BalanceKg, Megapay e-wallets
  • replenishment of Russian cards (Visa, Master, MIR)
  • replenishment of QIWI wallet (KR, Russia, Kazakhstan, Uzbekistan, Ukraine)
  • receiving Contact, Unistream, Western Union transfers
  • receiving loans
  • online game payments (Steam, World of Tanks, etc.)

The following services are not available:

  • replenishment of Russian cards (Visa, Master, MIR)
  • replenishment of QIWI wallet (KR, Russia, Kazakhstan, Uzbekistan, Ukraine)
  • receiving loans
  • transfers to Elsom, О!Dengi, BalanceKg, Megapay e-wallets

 

 

No limitations on transfers and payments

 

Public offer

Fees and charges