Start by thinking about what you actually need: a card for salary and daily spending, savings in som or foreign currency, or access to online and mobile banking. Compare a few banks on the quality of their mobile app, number of ATMs and branches near you, and how responsive their customer support is, since these day-to-day factors matter more than a slightly better headline rate.
Because exact fees, interest rates and card conditions change often and differ bank to bank, always ask for the current tariff sheet directly at the bank branch or check their official website before opening an account. You can also check whether the bank is licensed and regulated by the National Bank of the Kyrgyz Republic (NBKR), which is a basic safety check for any financial institution here.