Үй-бүлө мүчөлөрү үчүн кошумча карттарды чыгаруу жана аларга эсепке карата чектелген же чексиз жеткиликтүүлүк белгилөө мүмкүндүгүThe bank payment card ELCART - is a payment instrument enabling its holder to perform transactions in purchase of goods, services, and drawing cash in the national currency trough terminals or other devices for access to a bank account with respect to management by its holder of cash on the bank account opened at the issuer in accordance with the contract between the holder of the card and the issuer. Transactions via the card are performed by the card holder within the balance of own cash assets available on the bank account (debit), or within the loan provided by the issuer in accordance with the contract on bank account, if there are no or not sufficient cash assets on the bank account. The card is property of the issuer and should be provided for use by the card’s holder in accordance with terms of the contract. The bank cards ELCART are available for any segment of the market, i.e. users can be everybody from corporate customers to sellers, teachers, doctors and retirees.
Important advantage of this product, as distinct from other payment systems, is acceptable price, rapid expansion of ATM and terminal network, as well as all other advantages of the cards:
- Additional income from credit interests;
- Round-the-clock access to the account;
- Easy payment of goods and services;
- Saving of time in payment of utility bills;
- Safe storage of cash assets;
- Convenient scheme for receiving of salary at shift and away workers, if travels are frequent;
- Opportunity to issue additional cards for family members with opportunity to set for them a limited or unlimited access to the account.
Attractiveness of Elcart will be provided through distribution of overdraft cards in payroll card programs, credit cards and co-branded programs.
Besides, the bank has developed the tariffs taking into account various segments of the market. The lowest tariffs (in soms) are established within the framework of payroll card programs salary for employees of government institutions and budget organizations.
BTA BANK launches a new service “SMS - notification”, which notifies a client about operations performed with ELCART
Basic advantage of the service is a permanent control of your account and one of the methods of protection of your card. Service is provided to the clients of Beeline and Megacom cellular networks. You receive “SMS-notification” about successful withdrawal of a cash, non-cash purchase, payment of public utilities, and transfer of money funds (with indication of amount of operation, commissions and balance after operations).
Additionally, by sms-request to short number 4590 through a cell phone you can receive the following information:
- Information on balance (sending of codeword “BALI” to the short number 4590)
- Statements of money flow on cart-account during the period (sending of codeword “MSTI” to the short number 4590)
- Putting of a card to a “Soft stop-list” – permanent blocking of a card (sending of a codeword “USL” to the short number 4590)
|Commissions of the service||Monthly||Annually|
|For commercial organizations and private persons||50 KGS||500 KGS|
|For government-financed organization||30 KGS||300 KGS|
How to setup this service
In order to set up SMS-notification by payment system ELCART one must fill in the application form for set up and sign additional agreement with the Bank in the division of "BTA BANK" servicing you.
ATMs and terminals of "ELCART Friendship Network"
The cardholders of the bank can cash money from the ELCART card at the rates of CJSC BTA Bank without additional commission at ATMs and POS-terminals of the Friendship network. CJSC BTA Bank is a member of a large Friendship network created from seven banks of Kyrgyzstan - CJSC “BTA Bank”, CJSC "KICB", OJSC "Aiyl Bank", OJSC "Bakai Bank", CJSC "Bank of Asia", OJSC "Dos - Credobank", JSC "Finance Credit Bank". A Friendship network has about 300 ATMs, over 500 POS-terminals (points of issue of cash) in Kyrgyzstan. For holders of payment cards from CJSC BTA Bank, the commission for cashing in devices of the Friendship network is the same as in the network of the Bank.