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Kapitalbank vs Ipak Yuli Bank: bank comparison

Updated: 04.11.2026 06:05More details

Comparison of Kapitalbank and Ipak Yuli 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.

Kapitalbank: 87 branches and 1549 ATMs; Ipak Yuli Bank: 70 branches and 572 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

CurrencyKapitalbank Ipak Yuli Bank
BuySellBuySell
USD US dollar 11 865 11 945 11 880 11 985
EUR Euro 12 890 13 460 12 790 13 440
RUB Russian rouble 117 143 80 149
CHF Swiss franc 13 980 15 040 13 940 14 820
GBP Pound sterling 15 390 16 560 15 340 16 230
JPY Japanese yen 63 83 45 77
KZT Kazakhstani tenge 24 27 — —
CNY Chinese yuan 1 704 1 874 — —

Network: branches and ATMs

Kapitalbank Ipak Yuli Bank
Branches 87 70
ATMs 1549 572

Key figures

Kapitalbank Ipak Yuli Bank
Charter capital 407.4 billion UZSdata may be out of datebelow the 500 billion UZS minimumSource: openinfo.uz ↗ 602.4 billion UZSas of 30.09.2025Source: openinfo.uz ↗
Assets 66.59 trillion UZS6.4% of the banking system 40.08 trillion UZS3.8% of the banking system
Loans 39.89 trillion UZS 19.97 trillion UZS
Total capital 8.34 trillion UZS 4.76 trillion UZS
Deposits 51.48 trillion UZS 23.13 trillion UZS
Central Bank licence No. 69 of 25.12.2021No. 10 of 25.12.2021
Shareholders Current shareholder data was not found Private bank; shareholders include ADB, DEG and Triodos Investment Management; the controlling stake was not found
Source: en.ipakyulibank.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

CardKapitalbank Ipak Yuli Bank
CardsMaintenance per yearIssuing CardsMaintenance per yearIssuing
Uzcard 4 free free 1 — 50 000 UZS
Humo 3 free free 2 — 50 000 UZS
Visa UZS 9 free free 8 free free
Visa USD 9 free free 4 free free
Visa EUR 2 360 000 UZS/year 100 000 UZS — — —
Mastercard UZS 6 free free — — —
Mastercard USD 2 780 000 UZS/year 200 000 UZS 3 free 100 000 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 · Ipak Yuli Bank: Bank cards

Deposits

CurrencyKapitalbank Ipak Yuli Bank
RateMax rateRateMax rate
UZS 16%/yearKapital Ziynat 16%/yearKapital Ziynat 17%/yearKelajak-17 17%/yearKelajak-17
USD 5.5%/yearKapital 5,5% 5.5%/yearKapital 5,5% 7%/yearTayanch offline 7%/yearTayanch offline
EUR 2%/yearEuro online 2% 2%/yearEuro online 2% 3%/yearEuro 4%/yearEuro

Kapitalbank: Deposits · Ipak Yuli Bank: Deposits

Loans

Loan typeKapitalbank Ipak Yuli Bank
RateRate fromRateRate from
Consumer loans — — — 21.9%/yearConsumer loan
Auto loans 0%/yearReliable Start 10.0 0%/yearEconomy start (Cobalt) 0%/year0% auto loan for Leapmotor, Aito and GAC 0%/year0% auto loan for Leapmotor, Aito and GAC
Mortgages 21%/yearComfortable Home 20%/yearComfortable Home 16.5%/yearMortgage for new-build housing 16.5%/yearMortgage for new-build housing
Microloans 23.99%/yearUniversal 23.99%/yearUniversal 22.9%/yearMicroloan for payroll projects 21%/yearMicroloan for self-employed
Education loans — — — 24.9%/yearEducation loan
Loan refinancing 21%/yearMortgage loan refinancing 21%/yearMortgage loan refinancing 23.9%/yearAuto loan refinancing 20.9%/yearAuto loan refinancing
Secured loans — — 20.9%/yearCollateralized microloan for civil servants 20.9%/yearCollateralized microloan for civil servants
Installment plans 0%/yearKapitalbankdan Qulay Nasiya I 0%/yearKapitalbankdan Qulay Nasiya I 0%/yearInterest-free installment plan for Asialuxe Travel tours 0%/yearInterest-free installment plan for Asialuxe Travel tours
Other loans 22.99%/yearProfitable investment 20.99%/yearProfitable investment — 20%/yearYashil Makon

Kapitalbank: Loans · Ipak Yuli Bank: Loans

Mobile apps

Kapitalbank Ipak Yuli Bank
App Kapitalbank (KAPITALBANK. Online)Ipak Yuli Mobile: Onlayn Bank
Overall score 4.75 (46 715) 4.82 (344 741)
Google Play 4.79 (41 225) ↗ 4.80 (231 750) ↗
App Store 4.47 (5 490) ↗ 4.85 (112 991) ↗
Rank 11 3

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 Ipak Yuli Bank with another bank

← Compare banks

Frequently asked questions

The US dollar rate: where is it better — Kapitalbank or Ipak Yuli Bank?

Buying is cheaper: Kapitalbank — sell 11 945 UZS against 11 985 UZS. Selling is better: Ipak Yuli Bank — buy 11 880 UZS against 11 865 UZS.

Which bank has more branches and ATMs — Kapitalbank or Ipak Yuli Bank?

Kapitalbank: 87 branches and 1549 ATMs; Ipak Yuli Bank: 70 branches and 572 ATMs. Kapitalbank has more of both branches and ATMs.

Where is the UZS deposit rate higher: Kapitalbank or Ipak Yuli Bank?

The main deposit rate is higher: Ipak Yuli Bank — 17%/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 Ipak Yuli Bank?

The main rate is lower: Ipak Yuli Bank — 16.5%/year against 21%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.