AVO Bank vs Open Bank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of AVO Bank and Open Bank: 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.
AVO Bank: 0 branches and 139 ATMs; Open Bank: 0 branches and 0 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 |  AVO Bank |
 Open Bank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 554.36 | 12 269.06 | 11 863.71 | 11 959.71 |
Network: branches and ATMs
Key figures
| AVO Bank |
Open Bank |
|
|---|---|---|
| Charter capital | 692.9 billion UZSas of 01.10.2025Source: openinfo.uz ↗ | 500 billion UZSas of 30.06.2026Source: s3.smartbank.uz ↗ |
| Assets | 2.11 trillion UZS0.2% of the banking system | 1.83 trillion UZS0.2% of the banking system |
| Loans | 1.61 trillion UZS | 772 billion UZS |
| Total capital | 555 billion UZS | 512 billion UZS |
| Deposits | 978 billion UZS | 167 billion UZS |
| Central Bank licence | No. 83 of 28.02.2025 | No. 89 of 15.09.2025 |
| Shareholders | Sole shareholder — an individual (Spot.uz, 06.11.2024) from media or aggregator publications, needs checking |
Future Open Technology Group 85,1%; individuals 14,9% (per Spot.uz, needs checking) from media or aggregator publications, needs checking Source: spot.uz ↗ |
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 | AVO Bank |
Open Bank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 1 | free | — | 1 | free | — |
| Humo | — | — | — | 2 | free | free |
| Visa UZS | — | — | — | 2 | free | free |
| Mastercard UZS | 4 | 324 000 UZS/year | 59 000 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.
AVO Bank: Bank cards · Open Bank: Bank cards
Deposits
AVO Bank: Deposits
Loans
| Loan type | AVO Bank |
Open Bank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Mortgages | — | — | 24.99%/yearYangi uy | 24.99%/yearYangi uy |
| Microloans | 34.9%/yearOnline microloan | 34.9%/yearOnline microloan | — | — |
| Other loans | 34.9%/yearFor the self-employed | 34.9%/yearFor the self-employed | 24.99%/yearYangi imkoniyat | 24.99%/yearYangi imkoniyat |
AVO Bank: Loans · Open Bank: Loans
Mobile apps
| AVO Bank |
Open Bank |
|
|---|---|---|
| App | AVO - online bank of Uzbekistan | Openbank UZ - Onlayn bank |
| Overall score | 4.23 (32 594) | 4.84 (51 340) |
| Google Play | 4.27 (29 858) ↗ | 4.84 (35 227) ↗ |
| App Store | 3.81 (2 736) ↗ | 4.85 (16 113) ↗ |
| Rank | 26 | 1 |
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 AVO Bank with another bank
Frequently asked questions
The US dollar rate: where is it better — AVO Bank or Open Bank?
Buying is cheaper: Open Bank — sell 11 959.71 UZS against 12 269.06 UZS. Selling is better: Open Bank — buy 11 863.71 UZS against 11 554.36 UZS.