Payroll project by О!Bank
Pay your employees in one click via online banking
How to connect the payroll project?
Submit an application
We will calculate the terms based on your company and number of employees
Sign the agreement
We will come to your office or welcome you at ours. The plan and payment procedure will be agreed in advance
Submit the employee register
Send us the list of employees, and we will issue their cards free of charge
Make payment
Salaries will be credited to employees' cards on the same day
Free Visa / Elcart card
Free card issuance and maintenance, cashback of up to 2%, and more than 40 digital designs to choose from
Loans on special terms
O!Bank payroll project participants get a reduced interest rate and a decision without proof of income: the bank can already see their salary payments
Cards in different currencies
Accounts in KGS, USD, EUR and KZT are convenient for employees who receive transfers or spend money abroad
Pay with your smartphone
Apple Pay, Google Pay and Garmin Pay - pay with your phone or smartwatch using Visa cards
Employee loans from 19%
All you need to know about payroll loans
What is a payroll loan
A payroll loan is a consumer loan for employees of companies who receive their salary on an O!Bank card. The bank can see regular salary payments, so there is no need to provide proof of income. This allows for a faster decision and a lower interest rate than a standard consumer loan.
1
Select “Loan up to 200,000 KGS” on the home screen of the app
2
Enter the loan amount, term, and first repayment date, then submit your application
3
Verify your identity
4
Wait for your application to be approved
5
Sign the documents online
6
All done! Wait for the funds to be credited to your account.
Even more opportunities
Corporate mobile services from O!
Mobile communications and employee plans within a single ecosystem
SAIMA fixed-line internet
Reliable fixed-line internet from SAIMA Telecom throughout the country
O!Bank business products
Online business loan
Amount:up to 200,000 KGSTerm3 to 24 monthsInterest rate20%/EPAR from 21.81%
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Licenses
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© 2025, SAIMA TELECOM CJSC. All rights reserved. KR SCA License No. 03-292-КР
KR SCITC SCA Licenses: SAIMA TELECOM CJSC No. 16-0019-КР dd. 04.08.2016, No. 03-292-КР dd. 24.11.2003, No. 14-1168-КР dd. 31.12.2014. TV channels and contents available with the O!TV service are provided by Dias TV LLC. The O!Kino service contents are provided by MEGOGO streaming service through technical resources of NUR Telecom LLC and Dias TV LLC. Access to the START service contents is provided by the START.RU online streaming service through technical resources of NUR Telecom LLC, Dias TV LLC, and Start.Ru LLC.
FAQ
What are the terms of a payroll loan?
Loans of up to 200,000 KGS can be arranged online - without collateral or a guarantor. The interest rate is from 26.99%, and for payroll project participants it is reduced to 19% after the application is approved.
Loans above 200,000 KGS are arranged at a bank branch. The interest rate depends on the collateral:
- 19% - with a guarantor and a car pledged as collateral
- 20% - with movable personal property pledged as collateral
- 21% - without collateral
The loan amount is 10,000 to 1,000,000 KGS; a guarantor is required for amounts of 500,000 KGS or more. The term is 3 to 48 months.
What does the payroll project offer a company?
Salaries are paid through a single register in online banking instead of cash payroll sheets and individual payments. The accounting department can complete salary payments in minutes rather than a day. Employee cards are issued free of charge
How much does it cost to connect?
Connecting to the payroll project and issuing cards are free of charge. No fee is charged for crediting salaries
How many employees are required to join?
There is no minimum number. The terms are calculated based on the size of your workforce - a manager will offer a plan after you submit an application
What should I do if an employee leaves or a new employee joins?
Provide the changes to your manager - a card for a new employee will be issued without a bank visit