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Bank Kompanion review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bank Kompanion is a Kyrgyz bank worth a look for people already holding a Kompanion account who want a loan and a fixed deposit in one place. Borrowing costs are high at an APR of 26.99%, and the saving side is modest, so the appeal is convenience rather than price. Support runs on phone only.

Key facts

Best for
Borrowing and saving inside the Kompanion mobile app in Kyrgyzstan.
APR
26.99%↗
Loan amount
KGS 200,000↗
Term
36 months↗
Rate type
Fixed↗
Lender type
Direct lender↗
Loan types
Personal, Secured, Car, BNPL, Business↗
Legal entity
Bank Kompanion CJSC↗
Headquarters
Kyrgyzstan↗
Support channels
Phone↗
Pricing model
No monthly fee
Official website
kompanion.kg

Savings

Headline rate
13%↗
Access terms
Opened in the Kompanion mobile app, interest paid monthly↗
Monthly fee
KGS 0↗
Account kind
Fixed↗

Mortgages

Initial rate
17.5%↗
Fixed period
0.25 to 10 years↗
Purpose
Purchase↗

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • A direct lender, so you deal with the bank itself as direct lender rather than a broker
  • Loan types cover personal, secured and car in one application
  • Fixed deposit pays 13% with interest credited monthly
  • Bank account runs on a no monthly fee model with a monthly fee of KGS 0

Cons

  • APR of 26.99% is above the site median of 15.5%
  • Borrowing is capped at KGS 200,000
  • Support runs on phone only
Bank Kompanion

Ready to try Bank Kompanion?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • People in Kyrgyzstan with a Kompanion account who want one app for loans and deposits
  • Borrowers funding a purchase rather than a small top-up
  • People who value a bank that lends directly rather than through a broker

Who should look elsewhere

  • Anyone chasing the cheapest credit, since Creduma ES and Sofkredit price below the site median of 15.5%
  • Borrowers needing help beyond phone, where Cashspace offers more ways to reach a person
  • Lenders for a large purchase, since the ceiling here is KGS 200,000

Where it sits among rivals

On APR, Bank Kompanion ranks 263 of 338 brands listed, so the cost of its credit sits well down the table. Its loan term of 36 months places it at 109 out of 226, which is a more comfortable position than the rate. Ranks reflect the numbers each brand publishes, not a judgement on the borrower behind the application.

Who runs it

Bank Kompanion CJSC is the legal entity behind the brand, registered in Kyrgyzstan and listed at its own corporate requisites. It operates as a direct lender, so the agreement runs between you and the bank with no intermediary. Assistance runs on phone, so a phone call is the route for questions on an application or a deposit.

How Bank Kompanion compares

Where Bank Kompanion is available

Available
Kyrgyzstan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow from Bank Kompanion?+

The stated cost is an APR of 26.99%, against a site median of 15.5%. Loans run over a term of 36 months and the ceiling is KGS 200,000, so the rate is the main number to weigh. The bank states no arrangement fee on the product page.

How much can I borrow?+

The maximum loan amount is KGS 200,000, in Kyrgyz som. Borrowing is arranged directly with the bank as a direct lender, and the product covers personal, secured, car, buy now pay later and business lending under personal, secured and car.

How long can a loan run?+

Terms run to 36 months, and the fixed period on the lending side can stretch from 0.25 to 10. That term places the brand at 109 out of 226 brands, a stronger showing than its rate.

What do I pay to hold an account?+

The current account runs on a no monthly fee model, with a monthly fee of KGS 0. Loans and deposits are then taken and paid through the Kompanion mobile app, so the account itself adds no cost to holding savings there.

Can I earn interest on deposits?+

Yes. Deposits pay a headline rate of 13% on a fixed basis, and interest is credited monthly. The deposit is opened inside the Kompanion mobile app rather than through a branch or website form.

Is my money protected?+

Bank Kompanion CJSC is a bank registered in Kyrgyzstan, which tells you the jurisdiction holding the account. The brand lists no deposit protection scheme, so check the terms for your deposit before relying on any reimbursement cover.

How do I get help with my account?+

Support runs on phone, so phone is the channel listed for questions on applications, repayments or a deposit. There is no email or live chat option set out for the brand, which may matter if you prefer written replies.

Is Bank Kompanion a broker or the lender?+

It is the lender itself, listed as a direct lender rather than an intermediary. That means the contract, the rate and the servicing all sit with Bank Kompanion CJSC, the registered entity in Kyrgyzstan.

Sources

  • kompanion.kg/requisites checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “«Kompanion Bank», CJSC 62, Shota Rustaveli Str., Bishkek, 720044, Kyrgyz Republic”

  • kompanion.kg/retail/bank-account checked September 26, 2026

    Backs: Pricing model, Monthly fee

  • kompanion.kg/retail/deposit checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Rate type

    “«Мөөнөттүү» онлайн-депозит (term online deposit), the deposit product the site leads with at up to 13% per year”

  • kompanion.kg/retail/loan checked September 26, 2026

    Backs: Loan amount, APR, Fixed period, Initial rate, Lender type, Loan types, Purpose, Term

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Bank Kompanion

Bank Kompanion

Borrowing and saving inside the Kompanion mobile app in Kyrgyzstan.

9.0/10See alternatives