The exchange rate you see at banks and exchange bureaus is largely shaped by supply and demand for currency in the local market, along with the broader economic situation. The National Bank of Kyrgyzstan (NBKR) publishes an official reference rate daily, which is mainly used for accounting, customs, and statistical purposes, but commercial banks and exchange points set their own buy and sell rates that can differ slightly from it.
Because rates move throughout the day and vary between operators, always check the current rate directly with the bank or exchange office before making a transaction, rather than relying on numbers you saw earlier or on other websites.




