Garant Bank vs Poytaxt Bank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Garant Bank and Poytaxt 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.
Garant Bank: 24 branches and 0 ATMs; Poytaxt Bank: 8 branches and 38 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 |  Garant Bank |
 Poytaxt Bank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 885 | 11 985 | 11 885 | 11 970 |
| EUR Euro | 12 800 | 15 000 | 12 800 | 13 600 |
| RUB Russian rouble | 50 | 180 | 50 | 170 |
| CHF Swiss franc | 13 700 | 16 000 | 13 300 | 16 500 |
| GBP Pound sterling | 14 800 | 17 700 | 14 500 | 17 500 |
| JPY Japanese yen | 50 | 120 | 50 | 115 |
Network: branches and ATMs
| Garant Bank |
Poytaxt Bank |
|
|---|---|---|
| Branches | 24 | 8 |
| ATMs | — | 38 |
Key figures
| Garant Bank |
Poytaxt Bank |
|
|---|---|---|
| Charter capital | 505.4 billion UZSas of 31.12.2025Source: garantbank.uz ↗ | 100 billion UZSas of 02.09.2025below the 500 billion UZS minimumSource: spot.uz ↗ |
| Assets | 4.8 trillion UZS0.5% of the banking system | 1.28 trillion UZS0.1% of the banking system |
| Loans | 1.71 trillion UZS | 750 billion UZS |
| Total capital | 573 billion UZS | 578 billion UZS |
| Deposits | 3.71 trillion UZS | 315 billion UZS |
| Central Bank licence | No. 42 of 16.07.2022 | No. 84 of 25.12.2021 |
| Shareholders | an individual 99,79%; others 0,21% (as of 25.09.2026) Source: garantbank.uz ↗ |
Sole shareholder — Bond Investments Limited (UAE), 100% (per the state register and Spot.uz, 2024) 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 | Garant Bank |
Poytaxt Bank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 7 | free | free | 2 | — | 35 000 UZS |
| Humo | 4 | free | 40 000 UZS | 1 | — | 40 000 UZS |
| Visa UZS | — | — | — | 3 | free | 30 000 UZS |
| Visa USD | 4 | free | 45 000 UZS | — | — | — |
| Mastercard UZS | 2 | 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.
Garant Bank: Bank cards · Poytaxt Bank: Bank cards
Deposits
| Currency | Garant Bank |
Poytaxt Bank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 18%/yearKunlik | 18%/yearKunlik | 20%/yearOYMA-OY | 20%/yearOYMA-OY |
| USD | 8%/yearBingo | 8%/yearBingo | 9%/yearIstiqlol Barakasi | 9%/yearIstiqlol Barakasi |
Garant Bank: Deposits · Poytaxt Bank: Deposits
Loans
| Loan type | Garant Bank |
Poytaxt Bank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | — | — | 28%/yearSayohat | 28%/yearSayohat |
| Auto loans | 25%/yearPremium Avto | 0%/yearChangan ADM | 0%/yearMilliy auto loan | 0%/yearAuto loan Avto Plus-R |
| Mortgages | 28%/yearMakon | 26%/yearMakon | 24.5%/yearTayyor Uy | 22.5%/yearTayyor Uy |
| Microloans | 21%/yearPayroll project | 21%/yearPayroll project | 24%/yearMicroloan project for salary payment | 24%/yearMicroloan project for salary payment |
Garant Bank: Loans · Poytaxt Bank: Loans
Mobile apps
| Garant Bank |
Poytaxt Bank |
|
|---|---|---|
| App | Garant bank | Poytaxt Mobile |
| Overall score | 3.83 (538) | 2.35 (44) |
| Google Play | 3.82 (505) ↗ | 2.25 (34) ↗ |
| App Store | 4.00 (33) ↗ | 2.70 (10) ↗ |
| Rank | 32 | 36 |
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 Garant Bank with another bank
Compare Poytaxt Bank with another bank
Frequently asked questions
The US dollar rate: where is it better — Garant Bank or Poytaxt Bank?
Buying is cheaper: Poytaxt Bank — sell 11 970 UZS against 11 985 UZS.
Which bank has more branches and ATMs — Garant Bank or Poytaxt Bank?
Garant Bank: 24 branches and 0 ATMs; Poytaxt Bank: 8 branches and 38 ATMs. More branches — Garant Bank, more ATMs — Poytaxt Bank.
Where is the UZS deposit rate higher: Garant Bank or Poytaxt Bank?
The main deposit rate is higher: Poytaxt Bank — 20%/year against 18%/year. Terms depend on the term, amount and way of opening; see the bank’s deposits section for details.
Where is the loan rate lower (Mortgages): Garant Bank or Poytaxt Bank?
The main rate is lower: Poytaxt Bank — 24.5%/year against 28%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.