FAQ
From the home screen of the Ard App, go to the "Profile" section and select the "Main Verification" menu. Fill in the required information and complete the verification process to finalize your registration.
If you know your current password and wish to change it, log into the Ard App, go to the "My Corner" section, and select the "Privacy Settings" menu. Click on the "Change PIN" button, enter your old password, followed by the new password and its confirmation, then click "Save."
If you have forgotten your password, click the "Recover Password" button on the login screen, enter your registered phone number, receive a verification code, and create a new 6-digit PIN code to use for logging in. It is recommended not to use your birthdate or phone number for the password.
Go to the "Profile" section on the home screen of the Ard App, select the "Privacy Settings" menu, then click on the "Create Transaction Password" button. Enter your new 4-digit password and confirm it, then click "Save" to update your transaction password.
If you see this message when logging into the Ard App, it means that the device you are using has changed for security reasons. To resolve this, you can contact the registered number at 77003322 and request a new PIN code to regain access.
Click on the Credit Card banner in the Ard App and fill out the application form to request the issuance of a credit card.
Yes, you can download your account statement through the e.ard.mn website.
You can register your child by entering their name, registration number, and phone number through the ArdKids section in the MINI APP menu of the Ard App. If the child does not have a phone number, registration can be done using only the registration number. Each registered child will receive 3 shares of AARD and 1,000 Ardcoins as a gift.
No. Siblings, grandparents, or any legal guardian can register the child in the ArdKids app.
The reward shares and Ardcoin will be unlocked once your child turns 18 and is registered in the Ard App.
The main registered user (parent) can recover the PIN code through the child's account in the Ard App.
From the home screen of the Ard App, select the Loans menu, then click on the "Apply for Consumer Loan" button. Choose between a long-term or short-term loan, and submit your loan application. You will receive a response within 3-5 minutes. Once your loan application is approved, you can proceed to sign the electronic agreement and receive your loan.
In the "My Loans" section of the Loans menu, you will see the details of your loan. There will be options to "Repay Loan" and "Close Loan." If you are making an installment payment, simply click the "Repay Loan" button to proceed with your payment.
Your business must have been operating normally for at least 6 months.
- When you first register as a user in the Ard App, you will read and accept the terms of the e-loan agreement under the verification section. If you have already completed this process, there is no need to sign the contract again.
- If you wish to visit a branch for more information, Ard's branch is located on the 1st floor of Central Tower. You can also inquire by calling 7700-3322.
Yes, it is possible. You can view all payment-related information in the "My Loan" section of the Loan menu in the Ard App. The payment due dates are clearly displayed. If your loan term expires or you need to extend it, an option to extend the loan term will appear in this section.
The loan system in the Ard App is designed so that customers who actively use the Ard App and hold ArdCoin can access higher loan amounts with lower interest rates.
Yes, a short-term loan does not incur interest during the first 10 days. The requirement for obtaining a short-term loan is to hold ArdCoin equivalent to 10% of the loan amount, which will reduce your annual interest rate by 1.2%.
- If you own ArdCoin, you can choose the Alpha loan based on the balance of your ArdCoins in the Ard App. The larger your ArdCoin balance, the higher the loan amount you can access, and the lower the interest rate will be.
- If you do not own ArdCoin, you can opt for the Alpha+ loan by purchasing ArdCoin equivalent to 10% of the loan amount you wish to borrow. This will reduce your interest rate by 1%. The Alpha+ loan offers a borrowing term of up to 6 months, with a maximum loan amount of 10 million MNT.
The trust service is a savings service. To open an account, select the TRUST service in the SAVINGS menu of the Ard App. Then, choose the deposit amount and select a term ranging from 6 to 24 months to open your account.
The funds, along with the yields, will be transferred to your Ard App's current account on the expiration date.
To open a foreign currency trust account, please contact a representative at the following phone numbers: 99255051 or 99193642.
Download the Ard App, log in through the "Register" section, and complete your full verification. This will enable you to select the "Installment Payment Service" in the LOANS menu and calculate your purchase limit. You will receive a response within 3-5 minutes, and once your request is approved, a ArdPay virtual card with purchase rights will be created in the main menu of the Ard App.
When using services from organizations that are part of ArdPay, you can scan the ArdPay QR code to make an immediate payment or opt for installment payments.
You will need to register in the Ard App, and your information, such as your national ID details and social insurance certificate, can be automatically retrieved and verified from the HUR system.
The ArdPay service has no interest or additional fees. However, if the repayment period is exceeded, a penalty fee will be applied.
You can make as many purchases as you like, within the limits of your available credit.
When you first log into the Ard App as a user, you will need to fully read and accept the terms and conditions of the e-credit rights agreement in the verification menu. Once you have agreed to the terms and completed the contract, there will be no need to sign a new contract
You can view all payment-related information in the "My Loan" section of the "Loans" menu in the Ard App, where the payment dates will be clearly displayed. Additionally, once the payment date approaches, we will send you a reminder via the application.
Each ArdPay purchase comes with a reward of Ardcoin equivalent to 1% of the purchase amount. Regularly announced promotions can be viewed on the Ard App's Facebook page and on the Pick n Pay banner in the Ard App.
You can view the list of organizations that have joined ArdPay through the ArdPay banner in the Ard App and by selecting the ArdPay service from the product menu on the website www.ardcredit.com.
A credit card is a payment card issued with a credit limit for your personal use. The credit limit is determined by Ard Credit NBFI JSC.
Credit cards have two types of interest rates:
Non-cash transaction interest – Applied when making purchases at merchants and service providers via POS machine.
Cash advance interest – Applied when withdrawing cash from ATMs or via the Ard App.
You can reset your PIN by calling Ard Credit's customer service center at 7700 3322 using the phone number registered in the Ard App.
Alternatively, email info@ardcredit.com with the following documents:
A handwritten request titled “To Ard Credit NBFI JSC” on A4 paper, including your full name, national ID number, the email address where you wish to receive the new PIN, and the date.
Front and back photos of your national ID.
A selfie holding both your national ID and the handwritten request.
Once received, your PIN will be sent to your email within 2–3 hours.
You can view your card balance and transactions through the Ard App.
The monthly statement will also be sent to your registered email address.
You can make payments via the Ard App by transferring from your cash account, or by visiting our branch in person.
Paying on time positively affects your credit history and score.
Immediately report a lost or stolen card by calling Ard Credit’s customer service center at 7700 3322.
Carefully monitor your account statements, and notify us immediately if you notice any suspicious or unauthorized transactions.
Immediately contact the Ard Credit NBFI JSC’s Customer Service Center at 7700 3322 to report the lost or stolen card and have it blocked. Please also monitor your transaction history closely and report any suspicious or unauthorized activity right away.
- Check the balance in the cash account balance of your Ard App.
- Use the “Balance Inquiry” option at an ATM
You should immediately contact the Ard Credit Customer Service Center at 7700 3322, or visit an Ard branch to file a request. If the transaction took place within Mongolia, it will be resolved within 7–14 days in accordance with Bank of Mongolia regulations.
You can recover your PIN code by:
- Call the Ard Credit NBFI JSC’s Customer Service Center at 7700 3322 using the phone number registered in your Ard App.
- Alternatively, send an email to info@ardcredit.com with the following documents:
- A handwritten request on A4 paper titled "To Ard Credit NBFI JSC" including your full name, national ID number, the email where you wish to receive the PIN, and the date.
- A front and back photo of your national ID card.
- A selfie photo of you holding both your national ID card and the handwritten request.
Once we receive all the required materials, your PIN code will be sent to your email within 2-3 hours.
The PIN code for your Ard Debit Card will be sent to the email address registered with your Ard App from the email address noreplay@negdi.mn. Please memorize the PIN and delete the email afterward for your security.
The card is pre-activated upon delivery, so you can start using it immediately.
The Ard Debit Card is a payment card linked to your cash account in the Ard App. It can be used for making purchases, withdrawing cash from ATMs, and making payments via card. Please note that this is not a credit card.
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