Agrobank vs Microcreditbank: bank comparison

Updated: 04.11.2026 06:05More details

Comparison of Agrobank and Microcreditbank: exchange rates, the network of branches and ATMs, bank cards, deposits and loans on one page. Rates are updated every hour; card fees and deposit and loan rates are as published by the banks on 23.10.2026. The best value in a row is highlighted.

Agrobank: 168 branches and 99 ATMs; Microcreditbank: 127 branches and 19 ATMs.

The best value is highlighted: for rates, a higher buy and a lower sell; for deposits, a higher rate; for loans and card fees, a lower one. Rates are compared in the same channel (the cash desk when possible); stale rates are shown in grey. The comparison is for reference: check the exact terms with the bank.

Exchange rates

Currency	Agrobank		Microcreditbank
Currency	Buy	Sell	Buy	Sell
USD US dollar	11 900	11 990	11 885	12 000
EUR Euro	13 200	13 700	12 700	13 700
RUB Russian rouble	—	180	—	155
CHF Swiss franc	13 750	14 950	13 800	14 800
GBP Pound sterling	15 300	16 400	15 500	16 500
JPY Japanese yen	66	86	50	100

Network: branches and ATMs

	Agrobank	Microcreditbank
Branches	168	127
ATMs	99	19

Key figures

	Agrobank	Microcreditbank
Charter capital	11.21 trillion UZSas of 31.12.2024data may be out of dateSource: openinfo.uz ↗	5.12 trillion UZSas of 31.12.2024data may be out of dateSource: openinfo.uz ↗
Assets	126.51 trillion UZS12.1% of the banking system	35.33 trillion UZS3.4% of the banking system
Loans	95.89 trillion UZS	24.04 trillion UZS
Total capital	13.95 trillion UZS	5.69 trillion UZS
Deposits	44.62 trillion UZS	12.9 trillion UZS
Central Bank licence	No. 78 of 04.05.2024	No. 37 of 02.03.2024
Shareholders	Reconstruction and Development Fund of Uzbekistan about 54%, Ministry of Economy and Finance of Uzbekistan about 45% from media or aggregator publications, needs checking Source: halykfinance.kz ↗	The state: Ministry of Economy and Finance of Uzbekistan and Reconstruction and Development Fund of Uzbekistan; exact shares not found from media or aggregator publications, needs checking

Assets, loans, capital and deposits are from the Central Bank report as of 01.10.2026; charter capital is from the source shown under the value. The larger charter capital, assets and capital — indicators of a bank’s stability — are highlighted. Source: Central Bank ↗

Bank cards

Card	Agrobank			Microcreditbank
Card	Cards	Maintenance per year	Issuing	Cards	Maintenance per year	Issuing
Uzcard	6	—	free	6	free	25 000 UZS
Humo	3	—	40 000 UZS	2	free	40 000 UZS
Visa UZS	1	—	—	4	free	45 000 UZS
Visa USD	5	—	free	4	free	45 000 UZS
Mastercard UZS	—	—	—	3	12 USD/year	45 000 UZS
Mastercard USD	—	—	—	4	free	40 000 UZS

The bank’s lowest fees are shown. A dash means there is no fee, or some of the bank’s cards have no listed fee, so the minimum is unknown.

Agrobank: Bank cards · Microcreditbank: Bank cards

Deposits

Currency	Agrobank		Microcreditbank
Currency	Rate	Max rate	Rate	Max rate
UZS	18%/yearProgress	18%/yearProgress	18%/yearBayramona	18%/yearBayramona
USD	6%/yearPremium	7%/yearPremium	5%/yearStimul	5%/yearStimul
EUR	—	—	4%/yearLuxe	4%/yearLuxe

Agrobank: Deposits · Microcreditbank: Deposits

Loans

Loan type	Agrobank		Microcreditbank
Loan type	Rate	Rate from	Rate	Rate from
Consumer loans	27%/yearIshonchli mikroqarzi	25%/yearMicroloan	28%/yearConsumer loan	28%/yearConsumer loan
Auto loans	0%/yearMilliy Avto muddatli to'lovi	0%/yearMilliy Avto muddatli to'lovi	0%/yearAuto loan UzAuto Motors	0%/yearADM GLOBAL auto loan
Mortgages	17%/yearXonadon plyus	17%/yearXonadon plyus	17%/yearMortgage loan from the primary market - funded by the Ministry of Economy and Finance	17%/yearMortgage loan from the primary market - funded by the Ministry of Economy and Finance
Microloans	21%/yearBiznesga ko'mak	21%/yearBiznesga ko'mak	24%/yearMicroloan	24%/yearMicroloan
Education loans	14%/yearEducation loan	14%/yearEducation loan	0%/yearFor women's education	0%/yearFor women's education
Loan refinancing	21.5%/yearArzon ipoteka	21.5%/yearArzon ipoteka	—	—
Installment plans	0%/yearOpen installment card	0%/yearOpen installment card	—	—
Other loans	20%/yearYashil energiya for individuals	20%/yearYashil energiya for individuals	20%/yearSaving energy consumer loan	20%/yearSaving energy consumer loan

Agrobank: Loans · Microcreditbank: Loans

Mobile apps

	Agrobank	Microcreditbank
App	Agrobank Mobile	MAVRID
Overall score	4.32 (20 875)	4.77 (36 483)
Google Play	4.04 (9 863) ↗	4.79 (33 361) ↗
App Store	4.58 (11 012) ↗	4.57 (3 122) ↗
Rank	23	7

Retail banking apps by ratings in Google Play and the App Store. If a bank has several apps, the one ranked higher is compared; only apps with at least 30 ratings are ranked. Rating of bank and insurance company apps

Compare Agrobank with another bank

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Compare Microcreditbank with another bank

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Frequently asked questions

The US dollar rate: where is it better — Agrobank or Microcreditbank?

Buying is cheaper: Agrobank — sell 11 990 UZS against 12 000 UZS. Selling is better: Agrobank — buy 11 900 UZS against 11 885 UZS.

Which bank has more branches and ATMs — Agrobank or Microcreditbank?

Agrobank: 168 branches and 99 ATMs; Microcreditbank: 127 branches and 19 ATMs. Agrobank has more of both branches and ATMs.

Where is the loan rate lower (Consumer loans): Agrobank or Microcreditbank?

The main rate is lower: Agrobank — 27%/year against 28%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.