What is the SWIFT/BIC code format used in Kyrgyzstan?

Every bank, EMI and PSP in Kyrgyzstan that sends international payments has an 8 or 11 character SWIFT/BIC code. Ohmyfin lists 27 institutions in Kyrgyzstan with an assigned BIC. You can verify any of them on this page or through the Ohmyfin API.

Is IBAN mandatory in Kyrgyzstan?

No. Kyrgyzstan does not use a mandatory IBAN. Accounts are identified by a local account number together with the bank SWIFT/BIC code.

What currency is used in Kyrgyzstan?

Kyrgyzstan uses KGS (Kyrgyzstani Som).

Kyrgyzstan: SWIFT/BIC Codes & Payment Info

Browse banks, EMIs, PSPs and other organizations in Kyrgyzstan that hold a SWIFT/BIC code. See correspondent banking data and review the country's payment requirements.

货币

KGS (Kyrgyzstani Som)

Convertibility

Freely convertible

The Kyrgyzstani som (KGS) is freely convertible; the NBKR intervenes periodically to smooth volatility but does not restrict conversion.

Currency controls

Liberal

Residents and non-residents may buy and sell foreign currency through licensed banks with no surrender or general repatriation requirement; physical cash export is capped above set limits.

FATF

Not grey-listed

Kyrgyzstan is on neither the FATF grey nor black list as of 2026; it belongs to the EAG (Eurasian Group), an FATF-style regional body, and is the first country in the EAG 3rd-round mutual evaluation, which is underway.

CRS / AEOI

Not a CRS/AEOI jurisdiction

Kyrgyzstan has not committed to the OECD Common Reporting Standard and does not carry out automatic exchange of financial account information as of 2026.

制裁

Implements UN; voluntary OFAC/EU/UK alignment

Kyrgyzstan keeps no national sanctions list but implements UN Security Council measures; local banks voluntarily align with OFAC, EU and UK regimes to protect correspondent access, and a small number of local institutions carry international designations.

Crypto / digital assets

Regulated; not for payment

Virtual assets are legal and licensed by FinSupervision under the 2022 Virtual Assets law (amended 2025), but crypto is not legal tender and banks do not offer it directly. A Digital Som CBDC and national stablecoins are in progress.

Cross-border payments and banking in Kyrgyzstan:

吉尔吉斯斯坦的法定货币是吉尔吉斯斯坦索姆（KGS），一种由吉尔吉斯共和国国家银行（NBKR）管理的自由兑换货币。该国实行宽松的外汇管理制度：居民和非居民均可通过持牌银行买卖外汇，且不设出口收汇结汇或一般资金调回要求（超过规定限额的现金出境会受到限制）。吉尔吉斯斯坦不属于SEPA，也不使用IBAN。境内账户为16位数字账号，每家银行及分支机构均以6位BIK（银行识别代码）标识，用于本地清算。

跨境入账付款通过SWIFT MT103报文（或对应的MX报文）到达。为确保及时清算，报文通常需要在field 50中填写汇款人信息（账号、不含缩写的全名及地址）；在field 59中填写收款人信息（16位账号、全名及地址）；在field 57中填写收款银行信息（其6位BIK加上8位或11位SWIFT BIC，格式为xxxxKGxx或xxxxKGxxxxx）；并在field 70中填写8位付款用途代码，同时说明对应的发票或合同信息。缺少用途代码或BIK的付款通常会被延迟或退回，因此汇款前请向收款银行确认最新的代码清单。

需注意几项当地操作规则。外币收款人通常需先填写一份说明付款性质的表格，账户才会入账；房产租金不得直接支付给房东（对个人的其他付款则不受此限）。非居民开户通常需要提供有效护照并填写KYC调查问卷，银行也可能依据吉尔吉斯斯坦法律要求提供其他文件。

合规方面，截至2026年，吉尔吉斯斯坦既不在FATF灰名单，也不在黑名单之列。该国是EAG（欧亚反洗钱小组）的成员，这是一个FATF区域性组织，同时也是首个接受EAG第三轮互评估的国家，评估工作目前仍在进行中。吉尔吉斯斯坦尚未承诺加入经合组织 CRS/AEOI体系。该国没有本国的国家制裁清单，但执行联合国安理会相关措施，当地银行为维护其代理行关系，自愿遵循OFAC、欧盟及英国的制裁制度。少数当地机构受到国际制裁指定，因此付款前应对交易对手进行筛查。

Regulatory and cross-border snapshot

Central bank: National Bank of the Kyrgyz Republic · official site
AML authority: State Financial Intelligence Service, under the Ministry of Finance
Sanctions posture: Kyrgyzstan keeps no national sanctions list but implements UN Security Council measures; local banks voluntarily align with OFAC, EU and UK regimes to protect correspondent access, and a small number of local institutions carry international designations.
Correspondent routing: 大多数吉尔吉斯斯坦银行未在美国清算银行开立直接账户，因此美元通常通过邻近中亚国家或欧盟的代理行中转，再经由美国清算中介完成结算；由于路径可能经过多个中转环节，具体路线的选择会显著影响成本和速度。西方代理行通常将涉及俄罗斯和白俄罗斯的美元及欧元资金流排除在外，卢布（RUB）通常只能通过俄罗斯银行划转。

Reference sources: National Bank of the Kyrgyz Republic (NBKR)· FATF - Jurisdictions under Increased Monitoring (June 2026)· Eurasian Group on Combating Money Laundering (EAG)· OECD - CRS by jurisdiction (AEOI portal)· State Financial Intelligence Service of the Kyrgyz Republic (SFIS)· U.S. State Department - 2025 Investment Climate Statement, Kyrgyz Republic

SWIFT/BIC code holders in Kyrgyzstan (27)

Banks, EMIs, PSPs and other organizations with an assigned BIC. Click any entry for SWIFT/BIC details, correspondent banking data and supported currencies.

AFCJKG22 'ALMA FINANCE BANK' CLOSED JOINT STOCK, COMPANY ACJSKG22 ASMAN BANK CLOSED JOINT STOCK COMPANY ACBYKG22 AVAE CAPITAL LIMITED LIABILITY COMPANY BBTPKG22 BAI-TUSHUM BANK OJSC BAKAKG22 BAKAI BANK OJSC ASCJKG22 BANK OF ASIA CJSC ECBIKG22 CJSC ECOISLAMICBANK FBANKG22 CJSC FINCA BANK CJSNKG22 CLOSED JOINT STOCK COMPANY 'BEREKET, BANK' DEMIKG22 DEMIR KYRGYZ INTERNATIONAL BANK DOSSKG22 DOS-CREDOBANK OJSC KYRGKG22 EURASIAN SAVINGS BANK, OJSC KOMPKG22 KOMPANION BANK CLOSED JOINT- STOCK, COMPANY KSBCKG22 KSB COMMERCIAL BANK CLOSED JOINT-, STOCK COMPANY KICBKG22 KYRGYZ INVESTMENT AND CREDIT BANK NBKIKG22 NATIONAL BANK OF THE KYRGYZ REPUBLIC AIYLKG22 OJSC 'ABANK' AIYLKG22 OJSC AIYL BANK KYRSKG22 OJSC COMMERCIAL BANK KYRGYZSTAN KAKYKG22 OJSC KYRGYZKOMMERTSBANK MAKAKG22 OJSC OBANK RINBKG22 OPEN JOINT STOCK COMPANY 'KEREMET BANK' SESVKG22 OPEN JOINT STOCK COMPANY ELDIK BANK FIKBKG22 OPEN JOINT STOCK COMPANY, FINANCECREDITBANK ENEJKG22 OPTIMA BANK OJSC AKILKG22 THE OPEN JOINT- STOCK COMPANY CAPITAL, BANK OF CENTRAL ASIA TOLUKG22 TOLUBAY BANK - CLOSED JOINT STOCK, COMPANY

Frequently asked questions

吉尔吉斯斯坦使用IBAN吗？

不使用。吉尔吉斯斯坦不使用IBAN，也不属于SEPA。境内账户为16位数字账号，每家银行及分支机构均以6位BIK代码标识，用于本地清算。办理跨境SWIFT入账付款时，需要提供收款人的16位账号、收款银行的SWIFT BIC及其BIK。

吉尔吉斯斯坦在FATF灰名单上吗？

不在。截至2026年，吉尔吉斯斯坦既不在FATF灰名单（受加强监测的司法辖区）之列，也不在黑名单之列。该国是EAG（一个FATF区域性组织）的成员，也是首个接受EAG第三轮互评估的国家，评估工作目前仍在进行中。

美元付款是如何到达吉尔吉斯斯坦的？

大多数吉尔吉斯斯坦银行未在美国清算银行开立直接账户，因此美元通常通过邻近中亚国家或欧盟的代理行中转，再经由美国清算中介完成结算。由于付款可能经过多个中转环节，所选路径会影响成本和结算时间。请务必填写8位付款用途代码及收款银行的BIK，并向收款银行确认最新代码。

吉尔吉斯斯坦是CRS国家吗？

不是。截至2026年，吉尔吉斯斯坦尚未承诺加入OECD共同申报准则（CRS）/信息自动交换体系，也不依据CRS交换金融账户数据。该国通过EAG参与国际反洗钱/反恐融资工作，这与CRS是相互独立的体系。

吉尔吉斯斯坦如何监管加密货币？

虚拟资产在吉尔吉斯斯坦合法，并受2022年颁布的《虚拟资产法》（2025年修订）监管，由金融市场监督管理局（FinSupervision）负责监督。交易所和交易运营商必须持牌经营，并落实强制性的KYC和AML管控措施，其服务器必须设在吉尔吉斯斯坦境内或由境内主体控制。加密货币不是法定货币，不能用作支付手段，银行也不直接提供加密货币相关服务，因此兑换需通过持牌平台完成。另外，该国央行正在试点央行数字货币“数字索姆”（Digital Som），该货币计划在正式推出时获得法定货币地位。同时，与索姆及美元挂钩的国家稳定币也已推出，用于结算，包括跨境结算场景。