Convenient Wallet
Key features
Free access to funds
The overdraft is automatically available on the salary card.
Interest only for actual usage.
Accrued daily on the used amount, not on the full limit.
Automatic repayment
The debt is repaid automatically as salary funds are credited to the card.
For the bank’s payroll clients
The overdraft is available only to employees of corporate clients and bank staff receiving income on a salary card.
Calculate loan
Calculation Results
* Preliminary settlement is informational and is not considered a public offer. The final conditions for issuing a loan, including the interest rate, are determined individually by the Bank after consideration of the application.
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| Total | — |
Information Sheet
on the terms of the Convenient Wallet Overdraft
1. Type of loan | Convenient Wallet Overdraft |
2. Purpose of loan | For everyday expenses and temporary budget support. |
3. Loan amount | loan_amount |
4. Loan term | loan_term |
5. Interest rate | interest_rate |
6. Total amount payable | total_payment |
7. Grace period | grace_period |
8. Payment frequency | Monthly |
9. Repayment method | payment_type |
10. Monthly payment amount | monthly_payment |
11. Insurance amount | insurance_sum |
12. Additional services amount | services_sum |
13. APR (amount) | psk_sum |
14. APR (%) | psk_percent |
The accuracy and reliability of this information sheet are confirmed.
Completed electronically: | current_date |
* This information sheet does not replace a loan agreement or a loan application, but helps to compare lending conditions of different banks and make an informed decision.
How to submit an overdraft application
Leave your contact details
Specify your name, phone number, and select a convenient branch — it will take no more than a minute.
Get a consultation
A bank employee will contact you, answer questions, and select suitable terms.
Complete the microloan at any Bank branch.
Visit the selected branch, sign the agreement, and receive the microloan.
Online Application
|
Loan type |
Revolving overdraft. |
|
Product name |
“Convenient Wallet” overdraft. |
|
Purpose |
For everyday expenses and temporary budget support. |
|
Target audience |
Individuals — employees of corporate clients and bank staff receiving income on a salary card under the bank’s payroll project. |
|
Income requirement |
Continuous verified income for at least 9 months. |
|
Credit history |
No overdue debt exceeding 1 month. For previously obtained loans — asset quality class “Standard”. |
|
Currency |
National currency of the Republic of Uzbekistan — UZS. |
|
The overdraft period |
up to 24 months (with the possibility of renewal within the established limit). |
|
Overdraft limit |
up to 80% of three times the average monthly salary, but not more than 50,000,000 UZS. |
|
Interest rate |
24% per annum. |
|
Interest accrual |
daily on the actual outstanding balance. |
|
Repayment of principal and interest |
automatic as funds are credited to the salary card, in accordance with the limit reduction schedule. |
|
Limit reduction schedule |
equal monthly payments during the last 6 months. |
|
Interest rate |
on overdue debt according to the bank’s tariffs — at 1.5 times the base interest rate. |
|
Collateral |
|
|
Collateral amount |
at least 125% of the loan amount (at least 130% for related parties). |
|
Debt burden |
acceptable level not exceeding 50% of total monthly obligations. |
|
Disbursement procedure |
transfer of funds to the borrower’s salary bank card. |
|
Passport or identification ID card; |
