Kompanion Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kompanion Bank suits savers who want a fixed return and are comfortable keeping funds in a fixed deposit rather than an easy-access account. Its 13% headline rate is the central attraction, but phone-only support and the absence of stated deposit-protection information should be considered before opening one.
Key facts
- Best for
- Fixed-rate savers who put the headline return ahead of easy access and international flexibility.
- Headline rate
- 13%↗
- Rate type
- Fixed↗
- Term
- 36 months↗
- Access terms
- Opened in the Kompanion mobile app, interest paid monthly↗
- Monthly fee
- KGS 0↗
- Account kind
- Fixed↗
- Legal entity
- Kompanion Bank CJSC (Bank Kompanion JSC)↗
- Headquarters
- Kyrgyzstan↗
- Support channels
- Phone↗
- Pricing model
- No monthly fee
- Official website
- kompanion.kg
Loans
Mortgages
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- instagram.comfacebook.comyoutube.com
Pros and cons
Pros
- The fixed deposit pays a headline rate of 13%, above the listed bunq rate of 3.01% and Wise rate of 3.29%.
- The account is fixed, with its rate type listed as fixed, giving savers a clear headline return.
- Interest is paid monthly and the account is opened through the Kompanion mobile app, as stated in Opened in the Kompanion mobile app, interest paid monthly.
- The separate bank account has a monthly fee of KGS 0 and is listed as no monthly fee.
Cons
- The deposit is fixed at fixed and pays a set 13%, so its return does not automatically follow market-rate rises.
- Kompanion Bank lists only phone support through phone, which offers less choice than multi-channel support.
- The associated purchase loan has an 26.99%, higher than the savings ranking median of 13.75%.
Who it suits
- Fixed-rate savers who want a higher listed return than bunq’s 3.01% or Wise’s 3.29%.
- Customers comfortable opening the deposit through the Kompanion mobile app and receiving interest monthly under Opened in the Kompanion mobile app, interest paid monthly.
- People who also want access to related purchase loans from the same bank, including personal, secured, car, BNPL and business lending under personal, secured and car.
Who should look elsewhere
- Savers who need easy access, because the deposit is a fixed-rate account rather than an easy-access product.
- People prioritising a low cost of borrowing, because the associated purchase loan has an 26.99%.
- International savers comparing established alternatives, because Wise offers a 3.29% headline rate and bunq offers 3.01%.
Access to your money
Kompanion Bank’s deposit is opened in the Kompanion mobile app, with interest paid monthly. The deposit uses a fixed rate, and the associated lending term is 36. The structure is therefore centred on a fixed savings product rather than an easy-access account.
Rates and terms
The fixed deposit pays a headline rate of 13%, with a fixed rate. This exceeds the listed bunq rate of 3.01% and Wise rate of 3.29%, while Finteres lists 0% to 36%. The bank’s related purchase loan has an 26.99% and a term of 36, so the deposit return and borrowing cost should be assessed separately.
Who runs it
The service is provided by Kompanion Bank CJSC (Bank Kompanion JSC), headquartered in Kyrgyzstan. Kompanion Bank lists phone support through phone, giving customers a direct channel for questions about the deposit, bank account and related lending products.
How Kompanion Bank compares
Where Kompanion Bank is available
- Available
- Kyrgyzstan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Kompanion Bank offer on the fixed deposit?+
The deposit account pays a fixed headline rate of 13%. Its rate type is fixed, which means the quoted return is fixed rather than variable for the relevant deposit terms.
How is the deposit opened and when is interest paid?+
The deposit is opened in the Kompanion mobile app, as described by Opened in the Kompanion mobile app, interest paid monthly. Interest is also paid monthly, giving a regular return during the fixed-rate period covered by the offer.
Is Kompanion Bank’s deposit fixed or variable?+
Kompanion Bank is a fixed-rate provider, with the account classified as fixed and the rate listed as fixed. This suits a saver who wants the headline return fixed rather than tied to a variable rate.
Does the Kompanion Bank account charge a monthly fee?+
The separate Kompanion Bank account has a monthly fee of KGS 0. The account is therefore listed under the no-monthly-fee model in no monthly fee, though this fee information relates to the bank account rather than the fixed deposit.
How can customers contact Kompanion Bank?+
Kompanion Bank provides phone support through phone. Customers can therefore contact the bank by phone for questions about the deposit or the associated banking and lending services.
Who operates Kompanion Bank?+
The bank is operated by Kompanion Bank CJSC (Bank Kompanion JSC) and is headquartered in Kyrgyzstan. The legal name identifies the company behind the Kompanion Bank deposit and related banking services.
What lending products are available from Kompanion Bank?+
The same bank also offers purchase lending. The associated loan has an 26.99%, an amount of KGS 200,000, and a fixed period of 0.25 to 10. Its stated purpose is purchase.
How does the deposit rate compare with bunq and Wise?+
The headline deposit rate is 13%, compared with 3.01% for bunq and 3.29% for Wise. Kompanion Bank therefore offers the higher listed headline return among these named alternatives, although the products may differ in access and terms.
Sources
- kompanion.kg checked September 26, 2026
Backs: Support channels
- kompanion.kg/requisites checked September 26, 2026
Backs: Headquarters, Legal entity
- 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 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Deposit protection.
Related by the facts
Kompanion Bank
Fixed-rate savers who put the headline return ahead of easy access and international flexibility.