Recommended alternatives include: 1) Using a physical Payoneer card at Optima Bank or Bai-Tushum Bank ATMs, with a transaction limit of 25,000 KGS. 2) Performing a cash withdrawal at a bank branch counter using the physical Payoneer card. 3) Linking a virtual Payoneer card to Apple Pay or Google Pay and using contactless ATMs, such as those at Bakai Bank (e.g., in Osh), with a limit of 8,000-10,000 KGS per transaction. P2P transfers on Payoneer are prohibited and can result in account termination. Large bank transfers to institutions like Demir Bank may incur substantial fees. Additionally, any CSON (Public Service Center) can be visited for registration purposes, irrespective of one's place of residence.
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