Hayot Bank vs Garant Bank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Hayot Bank and Garant 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.
Hayot Bank: 21 branches and 0 ATMs; Garant Bank: 24 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 |  Hayot Bank |
 Garant Bank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 890 | 11 960 | 11 885 | 11 985 |
| EUR Euro | 12 900 | 13 500 | 12 800 | 15 000 |
| RUB Russian rouble | 70 | 148 | 50 | 180 |
| CHF Swiss franc | 14 100 | 14 800 | 13 700 | 16 000 |
| GBP Pound sterling | 15 300 | 16 600 | 14 800 | 17 700 |
| JPY Japanese yen | 65 | 80 | 50 | 120 |
| KZT Kazakhstani tenge | 10 | 27 | — | — |
Network: branches and ATMs
| Hayot Bank |
Garant Bank |
|
|---|---|---|
| Branches | 21 | 24 |
Key figures
| Hayot Bank |
Garant Bank |
|
|---|---|---|
| Charter capital | 550 billion UZSas of 20.02.2026Source: spot.uz ↗ | 505.4 billion UZSas of 31.12.2025Source: garantbank.uz ↗ |
| Assets | 10.11 trillion UZS1% of the banking system | 4.8 trillion UZS0.5% of the banking system |
| Loans | 7.6 trillion UZS | 1.71 trillion UZS |
| Total capital | 844 billion UZS | 573 billion UZS |
| Deposits | 8.44 trillion UZS | 3.71 trillion UZS |
| Central Bank licence | No. 91 of 15.09.2025 | No. 42 of 16.07.2022 |
| Shareholders | Current shareholder data was not found | an individual 99,79%; others 0,21% (as of 25.09.2026) Source: garantbank.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 | Hayot Bank |
Garant Bank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 3 | free | 50 000 UZS | 7 | free | free |
| Humo | — | — | — | 4 | free | 40 000 UZS |
| Visa USD | — | — | — | 4 | free | 45 000 UZS |
| Mastercard UZS | 1 | free | 50 000 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.
Hayot Bank: Bank cards · Garant Bank: Bank cards
Deposits
| Currency | Hayot Bank |
Garant Bank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 23%/yearYagona | 23%/yearYagona | 18%/yearKunlik | 18%/yearKunlik |
| USD | — | — | 8%/yearBingo | 8%/yearBingo |
Hayot Bank: Deposits · Garant Bank: Deposits
Loans
| Loan type | Hayot Bank |
Garant Bank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Auto loans | — | — | 25%/yearPremium Avto | 0%/yearChangan ADM |
| Mortgages | — | — | 28%/yearMakon | 26%/yearMakon |
| Microloans | 40%/yearYakhshisi | 40%/yearYakhshisi | 21%/yearPayroll project | 21%/yearPayroll project |
Hayot Bank: Loans · Garant Bank: Loans
Mobile apps
| Hayot Bank |
Garant Bank |
|
|---|---|---|
| App | Hayot Bank | Garant bank |
| Overall score | 4.76 (4 619) | 3.83 (538) |
| Google Play | 4.81 (3 648) ↗ | 3.82 (505) ↗ |
| App Store | 4.55 (971) ↗ | 4.00 (33) ↗ |
| Rank | 9 | 32 |
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 Hayot Bank with another bank
Compare Garant Bank with another bank
Frequently asked questions
The US dollar rate: where is it better — Hayot Bank or Garant Bank?
Buying is cheaper: Hayot Bank — sell 11 960 UZS against 11 985 UZS. Selling is better: Hayot Bank — buy 11 890 UZS against 11 885 UZS.
Where is the UZS deposit rate higher: Hayot Bank or Garant Bank?
The main deposit rate is higher: Hayot Bank — 23%/year against 18%/year. Terms depend on the term, amount and way of opening; see the bank’s deposits section for details.