It is not difficult at all to change money in Kyrgyzstan. You can change them at banks and at authorized conversation offices which positioned in plenty in Bishkek, Osh and Issyk-Kul area. The US Dollar is very exchangeable. More infrequent currencies can be altered in banks in Bishkek only. Nonsense but small bills of US Dollar (1, 2, 5, 10, 20) have lower rate, while 50 and 100 US Dollars bills are traded in a regular rate.
Credit & debit cards
Credit and debit cards are satisfactory only in Bishkek, Osh and Cholpon Ata. Credit cards are accepted in big hotels, some restaurants and cafes, some shops and major travel and tickets agencies. ATM can be easily found in Bishkek, Cholpon Ata and Osh. They have a limited acceptance in the country's main cities but some banks in Bishkek accept travellers cheques; commission charges can be very high. Cash is more recommended all over the country. There are no limitations for import or export of foreign money, declared on arrival. Banks work from Monday till Friday within during the day time.