Sakta deposit

It is a KGS-denominated deposit for individuals with a fixed term and a rate of up to 14.5% per annum. Top-ups and partial withdrawals during the term are not allowed.

Interest is accrued daily and paid monthly to a bank account. There is no capitalization.

Opening and closing are available online. Auto-renewal is enabled by default.

Kyrgyz som (KGS) only.

• 3 months: 5% per annum
• 6 months: 9%
• 9 months: 10%
• 12 months: 14%
• 18 months: 14.5%
• 24 months: 14.5%

Minimum opening amount: 10 000 soms.

In the My O! app:

• Open “Deposits” → “Open”
• Select the Sakta deposit, term, and amount (from 10 000 soms)
• Sign documents online
• The deposit will appear in the O!Bank section

At an O!Bank office:

Visit the nearest bank branch office with your passport. A deposit opened at a bank office will also be displayed in the app.

No. Top-ups are not available after opening.

No. Partial withdrawals are not allowed. If necessary, you may close the deposit early online, in the app.

No. Interest is accrued daily and paid monthly to your bank account, separately from the principal.

• Interest is accrued daily on the deposit amount
• Interest is paid monthly to your account
• The opening day is not included in the calculation
• Calculations use the 30/360 banking method (each month = 30 days, year = 360 days)

Daily interest formula:

Daily interest = (Amount × Annual rate) / 360

If the deposit is closed early, interest is not paid. You receive only the principal amount deposited at opening.

Yes. The number of Sakta deposits is not limited.

Auto-renewal is enabled by default: the deposit is renewed for the same term, and the interest rate applied is the bank’s current rate as of the renewal date.

Example: if a deposit was opened for 12 months at 14% and the rate changes after a year, the new rate will apply upon renewal.

Online, in the My O! app:

• Open “O!Bank” → “Savings”
• Select the Sakta deposit
• Click “Actions” → “Close deposit”
• Review the closing terms including early-termination rules
• Confirm the closure

Funds will be credited to your account immediately or within one business day.

Online closure may be temporarily unavailable if:

• the amount exceeds the online transaction limit; or
• technical maintenance is in progress

In such cases, the deposit can be closed at an O!Bank office.

Yes. O!Bank participates in the Deposit Protection System of the Kyrgyz Republic.

Each depositor is guaranteed compensation of up to 1 000 000 soms in the event of an insured case. More details: deposit.kg

• Select the Sakta deposit
• Go to the “Details” tab → “Documents”
• View or download the available documents