Kapitalbank vs Hamkorbank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Kapitalbank and Hamkorbank: 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.
Kapitalbank: 87 branches and 1549 ATMs; Hamkorbank: 173 branches and 203 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 |  Kapitalbank |
 Hamkorbank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 865 | 11 945 | 11 860 | 11 970 |
| EUR Euro | 12 890 | 13 460 | 12 700 | 13 400 |
| RUB Russian rouble | 117 | 143 | 103 | 147 |
| CHF Swiss franc | 13 980 | 15 040 | 13 800 | 15 300 |
| GBP Pound sterling | 15 390 | 16 560 | 15 200 | 16 800 |
| JPY Japanese yen | 63 | 83 | 72 | 79 |
| KZT Kazakhstani tenge | 24 | 27 | — | — |
| CNY Chinese yuan | 1 704 | 1 874 | — | — |
Network: branches and ATMs
| Kapitalbank |
Hamkorbank |
|
|---|---|---|
| Branches | 87 | 173 |
| ATMs | 1549 | 203 |
Key figures
| Kapitalbank |
Hamkorbank |
|
|---|---|---|
| Charter capital | 407.4 billion UZSdata may be out of datebelow the 500 billion UZS minimumSource: openinfo.uz ↗ | 646.6 billion UZSas of 30.06.2026Source: hamkorbank.uz ↗ |
| Assets | 66.59 trillion UZS6.4% of the banking system | 44.39 trillion UZS4.2% of the banking system |
| Loans | 39.89 trillion UZS | 31.42 trillion UZS |
| Total capital | 8.34 trillion UZS | 8.18 trillion UZS |
| Deposits | 51.48 trillion UZS | 18.22 trillion UZS |
| Central Bank licence | No. 69 of 25.12.2021 | No. 64 of 25.12.2021 |
| Shareholders | Current shareholder data was not found | 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 ↗ |
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 | Kapitalbank |
Hamkorbank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 4 | free | free | 3 | free | free |
| Humo | 3 | free | free | 3 | free | 30 000 UZS |
| Visa UZS | 9 | free | free | 2 | free | free |
| Visa USD | 9 | free | free | 6 | free | free |
| Visa EUR | 2 | 360 000 UZS/year | 100 000 UZS | 1 | free | free |
| Mastercard UZS | 6 | free | free | — | — | — |
| Mastercard USD | 2 | 780 000 UZS/year | 200 000 UZS | — | — | — |
| Mastercard EUR | 5 | free | free | — | — | — |
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.
Kapitalbank: Bank cards · Hamkorbank: Bank cards
Deposits
| Currency | Kapitalbank |
Hamkorbank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 16%/yearKapital Ziynat | 16%/yearKapital Ziynat | 18%/yearJamg‘arma ipoteka | 18%/yearJamg‘arma ipoteka |
| USD | 5.5%/yearKapital 5,5% | 5.5%/yearKapital 5,5% | 6.5%/yearBarqaror | 6.5%/yearBarqaror |
| EUR | 2%/yearEuro online 2% | 2%/yearEuro online 2% | 2%/yearSTEP-ODDIY | 2%/yearSTEP-ODDIY |
Kapitalbank: Deposits · Hamkorbank: Deposits
Loans
| Loan type | Kapitalbank |
Hamkorbank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | — | — | 30%/yearConsumer | 26%/yearConsumer |
| Auto loans | 0%/yearReliable Start 10.0 | 0%/yearEconomy start (Cobalt) | 0%/yearAuto DAMAS | 0%/yearASAKA MOTORS |
| Mortgages | 21%/yearComfortable Home | 20%/yearComfortable Home | 17.5%/yearFor buying an apartment on the primary market | 17%/yearFor buying an apartment on the primary market |
| Microloans | 23.99%/yearUniversal | 23.99%/yearUniversal | 23.99%/yearMicroloan Plus | 23%/yearLight 2 microloan |
| Education loans | — | — | 14%/yearFor education | 14%/yearFor education |
| Loan refinancing | 21%/yearMortgage loan refinancing | 21%/yearMortgage loan refinancing | — | — |
| Installment plans | 0%/yearKapitalbankdan Qulay Nasiya I | 0%/yearKapitalbankdan Qulay Nasiya I | — | — |
| Other loans | 22.99%/yearProfitable investment | 20.99%/yearProfitable investment | 19%/yearGreen consumer | 19%/yearGreen consumer |
Kapitalbank: Loans · Hamkorbank: Loans
Mobile apps
| Kapitalbank |
Hamkorbank |
|
|---|---|---|
| App | Kapitalbank (KAPITALBANK. Online) | Tez — bankdan ko‘ra ko‘proq |
| Overall score | 4.75 (46 715) | 4.79 (15 810) |
| Google Play | 4.79 (41 225) ↗ | 4.83 (13 698) ↗ |
| App Store | 4.47 (5 490) ↗ | 4.54 (2 112) ↗ |
| Rank | 11 | 5 |
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 Kapitalbank with another bank
Compare Hamkorbank with another bank
Frequently asked questions
The US dollar rate: where is it better — Kapitalbank or Hamkorbank?
Buying is cheaper: Kapitalbank — sell 11 945 UZS against 11 970 UZS. Selling is better: Kapitalbank — buy 11 865 UZS against 11 860 UZS.
Which bank has more branches and ATMs — Kapitalbank or Hamkorbank?
Kapitalbank: 87 branches and 1549 ATMs; Hamkorbank: 173 branches and 203 ATMs. More branches — Hamkorbank, more ATMs — Kapitalbank.
Where is the UZS deposit rate higher: Kapitalbank or Hamkorbank?
The main deposit rate is higher: Hamkorbank — 18%/year against 16%/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): Kapitalbank or Hamkorbank?
The main rate is lower: Hamkorbank — 17.5%/year against 21%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.