Bank deposits in Uzbekistan 2026: compare rates
Enter your amount and term to see what each deposit would earn. Every rate shows the date it was checked.
Deposits that fit 12 months
InfinBANK
Yuksalish
Verified: 22.09.2026
- Top-ups
- Interest monthly
Rate23%Term13 moMin. amount500 000 so‘mEstimated income+2 491 667 so‘mfor 13 mo · after inflation 8%: 13,9%Early termination
Cancelled prior to 6 months; 16% p.a. paid if closed between 6 and 12 months.
Ipak Yo‘li Bank
PopularUniversal
Verified: 22.09.2026
- Top-ups
- Partial withdrawal
- Interest monthly
Rate22%Term12 moMin. amount1 000 000 so‘mEstimated income+2 200 000 so‘mfor 12 mo · after inflation 8%: 13%Early termination
First 3 months demand rate; 3-6 months 14%; after 6 months 70% of accrued interest is retained.
Note
Easy opening and management via Ipak Yoli Mobile app.
Agrobank
Rivoj
Verified: 22.09.2026
- Top-ups
- Interest monthly
Rate22%Term12 moMin. amount100 000 so‘mEstimated income+2 200 000 so‘mfor 12 mo · after inflation 8%: 13%Early termination
Early termination with recalculation at 13% p.a.
Longer-term deposits
These deposits run longer than your term. Closing early usually lowers the rate — see the terms under “Details”.
SQB
Kelajak
Verified: 22.09.2026
- Top-ups
- Capitalization
- Interest monthly
Rate23%effective 25,6%Term24 moMin. amount500 000 so‘mEstimated income+5 771 938 so‘mfor 24 mo · after inflation 8%: 16,3%Early termination
Recalculated at 15% before 12 months; disbursed at 19% p.a. after 12 months.
Note
One of Uzbekistan largest systemic state-backed commercial banks.
TBC Bank
PopularMuddatli omonat
Verified: 22.09.2026
- Top-ups
- Interest monthly
Rate23,5%Term24 moMin. amount100 000 so‘mEstimated income+4 700 000 so‘mfor 24 mo · after inflation 8%: 14,4%Early termination
Up to 6 months — 0%, 6 to 12 months — 14% p.a., over 12 months — 18% p.a.
Note
Interest is disbursed monthly to your mobile app card or account.
Hamkorbank
Hamkor Foyda
Verified: 22.09.2026
- Top-ups
- Partial withdrawal
- Interest monthly
Rate22,5%Term24 moMin. amount200 000 so‘mEstimated income+4 500 000 so‘mfor 24 mo · after inflation 8%: 13,4%Early termination
After 6 months 50% retained; after 12 months 100% earned interest preserved.
Kapitalbank
PopularKlassik
Verified: 22.09.2026
- Top-ups
- Partial withdrawal
- Interest monthly
Rate22,5%Term18 moMin. amount500 000 so‘mEstimated income+3 375 000 so‘mfor 18 mo · after inflation 8%: 13,4%Early termination
Early withdrawal before 6 months recalculates at 12% p.a.; after 6 months paid interest is preserved.
Note
Partial withdrawal allowed down to 500,000 UZS minimum balance.
Estimate only: before tax, interest accrues monthly; with capitalization it is added to the balance. The bank will calculate the exact amount.
Rates as of 22.09.2026; check on the bank’s official site before opening. This is not investment advice.
How to choose a deposit
- Pick the term by when you will need the money: closing early usually lowers the rate.
- At the same rate a deposit with capitalization earns more — compare effective rates.
- Compare the rate with inflation: real return ≈ rate minus inflation.
- A USD deposit protects against a weaker so‘m but pays less — you can split savings across currencies.
Deposit guarantee
Deposits of individuals in licensed banks are guaranteed by the Deposit Guarantee Agency (fgd.uz): for deposits opened after 19 February 2025 — up to 200 million so‘m per depositor per bank, including interest. Investment and fintech platforms are not covered. Check current terms on fgd.uz.