Jańa Post vs My O! + Bank Utilisation & Stats

My O! + O!Bank is a superapp with mobile banking features, O! customer’s personal account and a marketplace. You can log in with any Kyrgyzstan’s SIM card. Open accounts, deposits and virtual cards. Take loans without leaving home. Use O!Bank cards for psyments with cashback. Pay for services, buy goods and air tickets, and use your bonuses. All in one app. Payments • Instant QR payments and money transfers with cashback • Money transfers to phone number, card or account inside Kyrgyzstan • Transfers between one’s own accounts • Quick top-up from outside banks cards • Favorite transaction templates • Transaction history Services • Fee-free payments for internet and utility services • 300+ government payments: taxes, services of registry office, Cadaster, Ministry of Justice, Interior Ministry, etc. • Checking and paying all penalties • E-patent application, extension, and fee payment Visa and Elcart cards • Opening in the app • All types of payments and money transfer • Topping up without limits • Quick review of balance and transaction history • User-friendly controls in the app Deposits • Online Money Box opening in the app • Topping up at any time Loans • Loan period: up to 24 months • Interest rate: nominal – 17.99%, effective – from 19.38% • No additional charges and issue fees • Sample calculation: Loan amount: 100,000 KGS Rate: 22.99% per annum Loan period: 12 months Monthly payment amount: 9,407.15 KGS Total interests payable for the loan period: 12,885.79 KGS (estimates are subject to revision based on precise number of the loan use days) • Payment is made by equated monthly installments. Interests are calculated based on the actual balance of the principal amount • Maximum Effective Annual Percentage Rate - 25,41% O! customer’s personal account • Plan, service and subscription management • Balances of your number and those of your loved ones • Mobile TV activation, Saima wireline internet connection • Responsive support service • Map of all O!Bank offices and cashiers, O!Stores and payment terminals Market • 55,000 articles offered by top vendors • Electronics, household appliances, home products, and other items • 24/7 delivery from Globus • Free delivery for orders starting at 1,000 KGS • Easy and user-friendly online shopping • Original offers and good-price promos Travel • Low-cost air tickets to any destination worldwide • Kyrgyzstan-based and international airlines • User-friendly search and price comparison • Option for buying tickets for other persons • Reservation revision or cancellation Bonuses • Bonuses for QR payments to partners, virtual Visa card payments, and paying O! plan fees • Up to 15% cashback • Bonuses for buying air tickets on O!Travel and placing orders on O!Market • Using bonuses to pay public transport fare, shop at supermarkets, pay for utility services or at other partners’ points Gift cards • Certificates for goods and services for you and your loved ones • Quick, easy, environment-friendly: just show QR or tell code to cashier to use the card 24/7 support service: 8008 и +996700000999