Question 1

What is BANKIR.KG?

Accepted Answer

A personal tracker for the money you lend and borrow. Loans with automatic interest calculation, payments and due-date reminders — and next to them, income from other sources and bank deposits. You see who owes how much, what has already come in and what is still to come.

Question 2

Does BANKIR.KG lend money?

Accepted Answer

No. BANKIR.KG doesn't issue loans or accept money — it's a tracking tool. Money moves directly between you and the people you know, and the service keeps the record: the amount, the terms, the payments and the balance.

Question 3

Is it free?

Accepted Answer

Yes, you can start for free: the Cashier plan is free forever — unlimited tracking of your own debts and up to 10 active loans you give. When that's not enough, the Banker plan for 999 som a month removes all limits. We never charge fees on your loans.

Question 4

Can I use it on my phone?

Accepted Answer

Yes! Download the BANKIR.KG app for iPhone from the App Store or for Android from Google Play — with push reminders before due dates and sign-in with a fingerprint or Face ID. In the browser the service works on any device — computer, tablet or smartphone. One account, your data stays in sync.

Question 5

Which currencies are supported?

Accepted Answer

Som (KGS), US dollar (USD), euro (EUR), ruble (RUB), tenge (KZT) and yuan (CNY). The free plan includes KGS and USD, the Banker plan all six. Totals are shown in som, and exchange rates update automatically every 30 minutes.

Question 6

Can I calculate a debt without signing up?

Accepted Answer

Yes, with the debt calculator on this site: the amount due with interest for one loan or several at once, in different currencies. The calculation runs in your browser; you can save it as PDF or Excel and share it as a link.

Question 7

How do I sign in to BANKIR.KG?

Accepted Answer

With your email and password, or in one tap with Google, Apple or Telegram. You can add or remove sign-in methods in Settings → “Security and sign-in”: your account and data stay the same.

Question 8

Is my data safe?

Accepted Answer

Yes. All data is transmitted over a secure connection (HTTPS) and stored encrypted. Only you have access to your records, and we never share your data with third parties.

Question 9

Can I lock the app with a passcode?

Accepted Answer

Yes. In the phone app you can turn on a 4-digit passcode, fingerprint or Face ID — the app won't open without them.

Question 10

Can I export my data?

Accepted Answer

Yes, on any plan: loans, payments and invoices, contacts, deposits and income download as a single Excel file from Settings. On the Banker plan, reports and the statement with a contact also save to Excel and PDF.

Question 11

How do I delete my account?

Accepted Answer

In Settings → “Security and sign-in”. The account is locked and deleted after 30 days — until then you can restore it simply by signing in again: all your data will still be there.

Question 12

How is interest calculated?

Accepted Answer

Terms are set for each loan: a daily, monthly or yearly rate, or a fixed amount — per period or for the whole term. Interest is simple and accrues from the day the loan is given: a month runs from the loan date to the same day of the next month, and the remaining days count proportionally. The balance is recalculated after every payment.

Question 13

When is interest due?

Accepted Answer

As you agreed — you choose it in the loan terms. “On schedule”: every period on the day of the month the loan was given. “Any time”: interest accrues but is never billed or overdue. “With the principal”: in one payment on the repayment date.

Question 14

Can I stop interest from accruing?

Accepted Answer

Yes. “Pause interest” on the loan card stops it from today or from a past day, and “Resume interest” starts it again from the day you choose. You can have several pauses — the balance is recalculated.

Question 15

I track debts I borrowed myself. Does that work too?

Accepted Answer

Yes, the same way as loans you give: when creating a loan, mark that you borrowed the money. Your own debts are unlimited on any plan — the Cashier limit of 10 active loans applies only to the loans you give.

Question 16

I made a mistake in a payment — what now?

Accepted Answer

Open the payment and fix the amount or date, or delete it — the balance and interest are recalculated. You can also change the loan terms at any time.

Question 17

Can I merge several loans into one?

Accepted Answer

Yes, on the Banker plan — when the loans to one person have the same terms. Balances on the chosen date move into the main or a new loan, accrued interest is fixed, and the closed loans stay in the history with a link to the merged one.

Question 18

Will I get due-date reminders?

Accepted Answer

Yes: 3 days before the repayment date, on the day itself and once a week after it — to both sides of the loan. Reminders come as push notifications and in the notification feed, and on the Banker plan in Telegram too. You can remind a borrower about an overdue invoice with one button: the notification goes to their app, or by email to a contact without an account.

Question 19

How do I keep a receipt or an IOU?

Accepted Answer

Attach a file or photo to the loan or payment, with a note if you like. On the phone it's even faster: “Share” in your banking app → BANKIR.KG, and the receipt is attached to the right loan or payment.

Question 20

What are “linked users”?

Accepted Answer

If your borrower also uses BANKIR.KG, you can link your accounts. Loan records then sync automatically — both sides see the same amounts, payments and dates, and a payment from the other side is confirmed in one tap.

Question 21

How do I invite someone?

Accepted Answer

In “Contacts”, on the “Connections” tab, tap “Invite”: by email or with a link you can send in any messenger. Someone without an account signs up from the invitation. Email invitations can only be accepted by a verified address.

Question 22

Does the other side have to sign up?

Accepted Answer

No. You can keep a loan on your own: a contact is just a record with a name and phone number. You can remind such a contact about an overdue invoice by email.

Question 23

Who can change a shared loan?

Accepted Answer

The lender changes the amount, dates and terms. The borrower can propose a change or deletion — it takes effect once the lender confirms it. If the lender changes the terms of a loan the borrower has already confirmed, the borrower confirms it again.

Question 24

Can the other side see my notes?

Accepted Answer

Notes and attachments on a shared loan and its payments are visible to both sides, but you can make any of them private — then only you will see it.

Question 25

Can I ask for a loan through BANKIR.KG?

Accepted Answer

Yes, from someone you're linked with: send them a request with the amount, term and interest. They can accept your terms or offer their own — the loan appears once you accept their offer.

Question 26

What income can I track?

Accepted Answer

Regular and one-off income: salary, rent, side jobs, business income, dividends, pension, gifts. Enter the amount and how often it comes — the app builds a schedule and shows what has already come in this month and what is still to come.

Question 27

How do I mark income as received?

Accepted Answer

When the money arrives — “Received”: the actual amount and date, prefilled with the expected ones. If it didn't come — “Didn’t come”. You get a reminder on the expected day, and another one 3 days later if you haven't marked it. One-off income is marked automatically.

Question 28

Are there limits on the free plan?

Accepted Answer

On Cashier — up to 3 active income sources; archived ones don't count. On Banker there's no limit, plus the Income flow report: income, loan interest and deposit interest together.

Question 29

Why track deposits in BANKIR.KG?

Accepted Answer

To see deposits in all your banks in one place: amount, rate, term, top-ups and documents. You see how much will come in over 30 days and a year, which bank earns you more and which deposit ends soon.

Question 30

How is the payout schedule calculated?

Accepted Answer

By banking rules: interest accrues daily, with capitalization or with payouts by period. A payout that falls on a weekend or a Kyrgyz public holiday moves to the next business day. Tax is not deducted.

Question 31

Will I get deposit reminders?

Accepted Answer

Yes: on interest payout days and 7 days before a deposit ends.

Question 32

Are deposits only on the paid plan?

Accepted Answer

No, deposits are available on any plan without limits: as many deposits as you like, in all six currencies.

Question 33

What does the Banker plan include?

Accepted Answer

Unlimited active loans you give and income sources, all 6 currencies, loan merging, the Profitability, Cash-flow forecast and Statement reports, report export to Excel, the operations calendar for all time, daily reminders to borrowers about overdue invoices, the Telegram bot and the assistant. It costs 999 som a month or 9999 som a year.

Question 34

How do I pay for Banker?

Accepted Answer

In the web version at app.bankir.kg — via O!Dengi in som or with cryptocurrency via Trybit; a receipt comes to your email after payment. In the iPhone app — with an App Store subscription, the price is shown before you buy. The plan belongs to your account and works on all your devices.

Question 35

Does the subscription renew automatically?

Accepted Answer

Payment in the web version is one-off, for a month or a year: nothing is charged automatically, and you get an email and a notification 3 days before it ends. An App Store subscription renews automatically; you can cancel it in your Apple ID settings.

Question 36

What happens if I don't renew Banker?

Accepted Answer

All your records stay in place, and the account moves to Cashier with its limits: for example, you can add a new loan you give only while you have fewer than 10 active ones, and new loans only in som and dollars.

Question 37

Can I get Banker for free?

Accepted Answer

Yes — invite a friend. Send them your link (Settings → Plan → Invite a friend) or a document with a QR code: a loan PDF or a reconciliation statement. When the invited user first pays for Banker, 14 days later you get a free month of Banker for their monthly payment or three months for a yearly one. You can get at most 12 bonus months a year. See the Terms of Service for details.

Question 38

Is there a Telegram bot?

Accepted Answer

Yes. Link Telegram in your sign-in methods and write to the bot in plain text, e.g. “lent Timur 5000 som until Friday” — it prepares the loan or payment, and you confirm it with a button. The bot tells you how much you're owed and sends notifications about payments, interest and due dates. Available on the Banker plan.

Question 39

What can the in-app assistant do?

Accepted Answer

The chat in the app understands plain text: it creates a loan (“borrowed 200 dollars from Aigul for a month”), records a payment on a loan and answers how much you're owed and how much you owe. Before saving it shows a draft — only what you confirm is recorded. Available on the Banker plan.

Question 40

How do I contact support?

Accepted Answer

Through the form on the contacts page or with the /support command in the Telegram bot — it works on any plan. On Banker you can also send a request through the assistant, with screenshots.

Frequently asked questions

General

Account and security

Loans and debts

The other side of a loan

Income

Deposits

Plans and payment

Telegram and the assistant

Didn't find your answer?

01What is BANKIR.KG?

02Does BANKIR.KG lend money?

03Is it free?

04Can I use it on my phone?

05Which currencies are supported?

06Can I calculate a debt without signing up?

01How do I sign in to BANKIR.KG?

02Is my data safe?

03Can I lock the app with a passcode?

04Can I export my data?

05How do I delete my account?

01How is interest calculated?

02When is interest due?

03Can I stop interest from accruing?

04I track debts I borrowed myself. Does that work too?

05I made a mistake in a payment — what now?

06Can I merge several loans into one?

07Will I get due-date reminders?

08How do I keep a receipt or an IOU?

01What are “linked users”?

02How do I invite someone?

03Does the other side have to sign up?

04Who can change a shared loan?

05Can the other side see my notes?

06Can I ask for a loan through BANKIR.KG?

01What income can I track?

02How do I mark income as received?

03Are there limits on the free plan?

01Why track deposits in BANKIR.KG?

02How is the payout schedule calculated?

03Will I get deposit reminders?

04Are deposits only on the paid plan?

01What does the Banker plan include?

02How do I pay for Banker?

03Does the subscription renew automatically?

04What happens if I don't renew Banker?

05Can I get Banker for free?

01Is there a Telegram bot?

02What can the in-app assistant do?

03How do I contact support?

Didn't find your answer?