Kapitalbank vs Trustbank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Kapitalbank and Trustbank: 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; Trustbank: 192 branches and 41 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 |
 Trustbank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 865 | 11 945 | 11 890 | 12 000 |
| EUR Euro | 12 890 | 13 460 | 12 900 | 13 470 |
| RUB Russian rouble | 117 | 143 | 90 | 153 |
| CHF Swiss franc | 13 980 | 15 040 | 14 250 | 14 850 |
| GBP Pound sterling | 15 390 | 16 560 | 15 700 | 16 350 |
| JPY Japanese yen | 63 | 83 | 60 | 100 |
| KZT Kazakhstani tenge | 24 | 27 | — | — |
| CNY Chinese yuan | 1 704 | 1 874 | 1 650 | 1 980 |
Network: branches and ATMs
Key figures
| Kapitalbank |
Trustbank |
|
|---|---|---|
| Charter capital | 407.4 billion UZSdata may be out of datebelow the 500 billion UZS minimumSource: openinfo.uz ↗ | 1 trillion UZSas of 30.06.2026Source: trustbank.uz ↗ |
| Assets | 66.59 trillion UZS6.4% of the banking system | 22.96 trillion UZS2.2% of the banking system |
| Loans | 39.89 trillion UZS | 9.67 trillion UZS |
| Total capital | 8.34 trillion UZS | 4.19 trillion UZS |
| Deposits | 51.48 trillion UZS | 17.02 trillion UZS |
| Central Bank licence | No. 69 of 25.12.2021 | No. 44 of 25.12.2021 |
| Shareholders | Current shareholder data was not found | individuals 24,6%, 21,9% and 15,0%; PRESYSTEMUNIVERSAL LLC 18,0%; DIMINURGROUP LLC 12,1%; MADI GmbH (Germany) 5,0%; date not given Source: trustbank.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 |
Trustbank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 4 | free | free | 5 | — | free |
| Humo | 3 | free | free | 3 | — | free |
| Visa UZS | 9 | free | free | 1 | — | 30 000 UZS |
| Visa USD | 9 | free | free | 3 | — | 40 000 UZS |
| Visa EUR | 2 | 360 000 UZS/year | 100 000 UZS | — | — | — |
| Mastercard UZS | 6 | free | free | 1 | — | 30 000 UZS |
| Mastercard USD | 2 | 780 000 UZS/year | 200 000 UZS | 5 | — | free |
| 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 · Trustbank: Bank cards
Deposits
| Currency | Kapitalbank |
Trustbank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 16%/yearKapital Ziynat | 16%/yearKapital Ziynat | 16%/yearOnline-Zamin | 16%/yearOnline-Zamin |
| USD | 5.5%/yearKapital 5,5% | 5.5%/yearKapital 5,5% | 7.5%/yearConvenient investment | 7.5%/yearConvenient investment |
| EUR | 2%/yearEuro online 2% | 2%/yearEuro online 2% | — | — |
Kapitalbank: Deposits · Trustbank: Deposits
Loans
| Loan type | Kapitalbank |
Trustbank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | — | — | 27%/yearUniversal | 25%/yearUniversal |
| Auto loans | 0%/yearReliable Start 10.0 | 0%/yearEconomy start (Cobalt) | 22.9%/yearAuto loan | 0%/yearAuto loan for the purchase of KIA, CHERY, HAVAL, CHANGAN cars |
| Mortgages | 21%/yearComfortable Home | 20%/yearComfortable Home | 17%/yearMortgage for the purchase of housing on the primary market | 17%/yearMortgage for the purchase of housing on the primary market |
| Microloans | 23.99%/yearUniversal | 23.99%/yearUniversal | 19.5%/yearAdvantageous microloan | 19.5%/yearAdvantageous microloan |
| 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 | 20%/yearGreen energy | 20%/yearGreen energy |
Kapitalbank: Loans · Trustbank: Loans
Mobile apps
| Kapitalbank |
Trustbank |
|
|---|---|---|
| App | Kapitalbank (KAPITALBANK. Online) | Trastpay |
| Overall score | 4.75 (46 715) | 4.60 (19 755) |
| Google Play | 4.79 (41 225) ↗ | 4.54 (15 573) ↗ |
| App Store | 4.47 (5 490) ↗ | 4.81 (4 182) ↗ |
| Rank | 11 | 20 |
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 Trustbank with another bank
Frequently asked questions
The US dollar rate: where is it better — Kapitalbank or Trustbank?
Buying is cheaper: Kapitalbank — sell 11 945 UZS against 12 000 UZS. Selling is better: Trustbank — buy 11 890 UZS against 11 865 UZS.
Which bank has more branches and ATMs — Kapitalbank or Trustbank?
Kapitalbank: 87 branches and 1549 ATMs; Trustbank: 192 branches and 41 ATMs. More branches — Trustbank, more ATMs — Kapitalbank.
Where is the loan rate lower (Mortgages): Kapitalbank or Trustbank?
The main rate is lower: Trustbank — 17%/year against 21%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.