Hamkorbank vs Ipoteka Bank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Hamkorbank and Ipoteka 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.
Hamkorbank: 173 branches and 203 ATMs; Ipoteka Bank: 85 branches and 189 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 |  Hamkorbank |
 Ipoteka Bank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 860 | 11 970 | 11 855 | 11 945 |
| EUR Euro | 12 700 | 13 400 | 12 700 | 13 750 |
| RUB Russian rouble | 103 | 147 | — | — |
| CHF Swiss franc | 13 800 | 15 300 | 12 450 | 15 550 |
| GBP Pound sterling | 15 200 | 16 800 | 13 700 | 17 100 |
| JPY Japanese yen | 72 | 79 | 64 | 81 |
Network: branches and ATMs
| Hamkorbank |
Ipoteka Bank |
|
|---|---|---|
| Branches | 173 | 85 |
| ATMs | 203 | 189 |
Key figures
| Hamkorbank |
Ipoteka Bank |
|
|---|---|---|
| Charter capital | 646.6 billion UZSas of 30.06.2026Source: hamkorbank.uz ↗ | 4.2 trillion UZSas of 01.06.2026Source: ipotekabank.uz ↗ |
| Assets | 44.39 trillion UZS4.2% of the banking system | 58.53 trillion UZS5.6% of the banking system |
| Loans | 31.42 trillion UZS | 37.44 trillion UZS |
| Total capital | 8.18 trillion UZS | 9.26 trillion UZS |
| Deposits | 18.22 trillion UZS | 29.32 trillion UZS |
| Central Bank licence | No. 64 of 25.12.2021 | No. 74 of 25.12.2021 |
| Shareholders | Private bank; the controlling stake belongs to an individual (61,9% per Spot.uz, March 2026); shareholders include FMO, responsAbility and IFC (search data) from media or aggregator publications, needs checking Source: spot.uz ↗ |
OTP Bank Plc. 72,9%; Ministry of Economy and Finance of Uzbekistan 17,5%; IFC 8,7%; others 0,9% (as of 01.06.2026) |
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 | Hamkorbank |
Ipoteka Bank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 3 | free | free | 4 | free | free |
| Humo | 3 | free | 30 000 UZS | 5 | free | 50 000 UZS |
| Visa UZS | 2 | free | free | 1 | free | 50 000 UZS |
| Visa USD | 6 | free | free | 4 | free | 50 000 UZS |
| Visa EUR | 1 | free | free | 2 | free | 50 000 UZS |
| Mastercard UZS | — | — | — | 1 | free | 50 000 UZS |
| Mastercard USD | — | — | — | 1 | free | 50 000 UZS |
| Mastercard EUR | — | — | — | 2 | free | 50 000 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.
Hamkorbank: Bank cards · Ipoteka Bank: Bank cards
Deposits
| Currency | Hamkorbank |
Ipoteka Bank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 18%/yearJamg‘arma ipoteka | 18%/yearJamg‘arma ipoteka | 17.5%/yearOddiy | 18%/yearOddiy |
| USD | 6.5%/yearBarqaror | 6.5%/yearBarqaror | 3.3%/yearOddiy | 3.8%/yearOddiy |
| EUR | 2%/yearSTEP-ODDIY | 2%/yearSTEP-ODDIY | 2.5%/yearOddiy | 2.5%/yearOddiy |
Hamkorbank: Deposits · Ipoteka Bank: Deposits
Loans
| Loan type | Hamkorbank |
Ipoteka Bank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | 30%/yearConsumer | 26%/yearConsumer | — | — |
| Auto loans | 0%/yearAuto DAMAS | 0%/yearASAKA MOTORS | 0%/yearSuper Chevy | 0%/yearHyundai |
| Mortgages | 17.5%/yearFor buying an apartment on the primary market | 17%/yearFor buying an apartment on the primary market | 16.99%/yearOson | 16.99%/yearOson |
| Microloans | 23.99%/yearMicroloan Plus | 23%/yearLight 2 microloan | — | 24%/yearMicroloan for self-employed |
| Education loans | 14%/yearFor education | 14%/yearFor education | — | — |
| Other loans | 19%/yearGreen consumer | 19%/yearGreen consumer | — | — |
Hamkorbank: Loans · Ipoteka Bank: Loans
Mobile apps
| Hamkorbank |
Ipoteka Bank |
|
|---|---|---|
| App | Tez — bankdan ko‘ra ko‘proq | Ipoteka Mobile |
| Overall score | 4.79 (15 810) | 4.18 (1 159) |
| Google Play | 4.83 (13 698) ↗ | 4.16 (1 009) ↗ |
| App Store | 4.54 (2 112) ↗ | 4.30 (150) ↗ |
| Rank | 5 | 27 |
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 Hamkorbank with another bank
Frequently asked questions
The US dollar rate: where is it better — Hamkorbank or Ipoteka Bank?
Buying is cheaper: Ipoteka Bank — sell 11 945 UZS against 11 970 UZS. Selling is better: Hamkorbank — buy 11 860 UZS against 11 855 UZS.
Which bank has more branches and ATMs — Hamkorbank or Ipoteka Bank?
Hamkorbank: 173 branches and 203 ATMs; Ipoteka Bank: 85 branches and 189 ATMs. Hamkorbank has more of both branches and ATMs.
Where is the UZS deposit rate higher: Hamkorbank or Ipoteka Bank?
The main deposit rate is higher: Hamkorbank — 18%/year against 17.5%/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): Hamkorbank or Ipoteka Bank?
The main rate is lower: Ipoteka Bank — 16.99%/year against 17.5%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.