Download My O!: bank, mobile, payments and shopping in 1 app

One ecosystem for all your needs

Your bank in your phone

Manage your finances online

Transfers to 140+ countries

Mobile services

Cryptocurrency for everyone

0% installment plans on O!Market

Up to 15% cashback

Trips with O!Travel

Even more useful features in My O!

Your smartphone is your O!Bank card

Add your card to Apple Pay and choose a digital design

Express delivery with Globus and Neman

Everything you need right to your door

Utility bills in a couple of clicks

Pay utility bills online via My Home

Transfers to Kazakhstan and Uzbekistan

No commission 24/7. Kaspi QR

Auto services all in one place

Pay fines, check cars via Car Check, and issue OSAGO

Government services online

Get certificates and documents, sign up for the electronic queue

Choose gifts for loved ones

Gift cards for any occasion

Helping is easy

Support charity projects right in the app

My O!

UzCard

Тулпар

Uzum Bank

AstraSend

Ошэлектро

O! Travel

Charity

O! Market

Тазалык

Water utility

Түндүк

My Home

XBit

O! Prime

Kaspi

Cadastre

Visa Direct

Унаа

Creative Taalim

OSAGO

Saima

Глобус

CarCheck

Неман

HUMO

Visa Plus

НЭСК

Газпром

Heating network

2,500+ services

Everything you need every day. All in one app

10+ million downloads

The superapp trusted by millions of users

4.6/5

89.6K reviews

4.7/5

89.6K reviews

Scan the QR code to download the app

Talai Mamyrov

A very user-friendly app - it has everything you need. For example, you can renew patents, pay taxes, and much more, right away. Some of the features available in this app aren't offered by other banks either. Payments go through in seconds, which is especially important when you're paying by QR code in a store and there's a whole line behind you. Overall, I really like it. I use this app all the time, and there was only one time when it didn't work. Other than that, it has never let me down, unlike Mbank, for example. Highly recommend it - 5 stars!

Ai A

Great app! Very convenient! I use several banking apps, and there's always something wrong - either the service I need isn't available, or it's listed but doesn't work. Recently, I switched to O!Dengi and finally breathed a sigh of relief! Everything is there, everything gets paid quickly, and transfers are fast. Thank you so much! I wish you continued growth and hope you become the No. 1 wallet in our country! I hope we'll be able to pay with O!Dengi in every store!

Aisha Aisha

Hello, dear developers of this banking app! I want to say that this banking app is really great! Transfers are completed within seconds! But I'd like to suggest one thing. Could you please add a savings jar feature? It would be great to set a goal and save money toward it, just like in real life! Thank you very much for reading my message. I hope you'll consider adding this feature to this wonderful app!

Olivka95_K

Dear developers, thank you for the app. It works reliably and is very convenient! The only thing I really miss in bank payments is a "payment purpose" field. If you add this feature, we would really appreciate it! Thank you!

Ilya Zaichenko

Great app! All the features you need are gathered in one place. The mobile banking works flawlessly, and the personal account is convenient and intuitive. Highly recommended!

turanktv

The best online bank in Kyrgyzstan. The fastest, most feature-rich, and most convenient of all. After so many years of using it, I've never experienced maintenance in the middle of the day, errors, or the app crashing. Highly recommend!

FAQ

How do I start using the app?

Download My O! from the App Store or Google Play, sign in using a Kyrgyzstan SIM card, and complete the identity verification process.

Can I sign in without an O! SIM card?

Yes. The app supports SIM cards and eSIMs from all mobile operators in Kyrgyzstan.

How can I earn bonuses?

Bonuses are awarded when you pay with a Visa Cashback card, as well as for QR payments and purchases from partner merchants. Cashback can be as high as 15%.

How can I top up my account or card?

You can top up your account or card in the app, through payment terminals, by transferring money from other cards, or at O!Bank branches.

How can I block my card if I lose it?

You can block your card in several ways: in the My O! app (on the home screen, select your card and click “Block card”); by calling the call center at 9999; or at any O!Bank or O!Store branch.

Can I use the app abroad?

Yes. The app works outside Kyrgyzstan as long as you have a SIM card from one of the Kyrgyz mobile operators. Make sure international roaming is enabled - it is required to receive one-time SMS passwords (OTPs) when signing in and confirming transactions.

My O!, a superapp for everyone