KDB Bank Uzbekistan vs Ziraat Bank Uzbekistan: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of KDB Bank Uzbekistan and Ziraat Bank Uzbekistan: 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.
KDB Bank Uzbekistan: 2 branches and 0 ATMs; Ziraat Bank Uzbekistan: 7 branches and 14 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 |  KDB Bank Uzbekistan |
 Ziraat Bank Uzbekistan |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 885 | 12 000 | 11 860 | 11 970 |
| EUR Euro | 13 000 | 13 800 | 12 990 | 13 650 |
| TRY Turkish lira | — | — | 210 | 250 |
Network: branches and ATMs
| KDB Bank Uzbekistan |
Ziraat Bank Uzbekistan |
|
|---|---|---|
| Branches | 2 | 7 |
| ATMs | — | 14 |
Key figures
| KDB Bank Uzbekistan |
Ziraat Bank Uzbekistan |
|
|---|---|---|
| Charter capital | 506.4 billion UZSas of 31.12.2025Source: kdb.uz ↗ | 373.1 billion UZSas of 17.11.2023data may be out of datebelow the 500 billion UZS minimumSource: ziraatbank.uz ↗ |
| Assets | 13.82 trillion UZS1.3% of the banking system | 4.46 trillion UZS0.4% of the banking system |
| Loans | 4.04 trillion UZS | 2.39 trillion UZS |
| Total capital | 3.1 trillion UZS | 823 billion UZS |
| Deposits | 7.61 trillion UZS | 2.3 trillion UZS |
| Central Bank licence | No. 5 of 25.12.2021 | No. 1 of 25.12.2021 |
| Shareholders | Korea Development Bank 86,3%; National Bank for Foreign Economic Activity of Uzbekistan 10,3%; Turonbank 3,4% (as of 03.01.2025) | 100% of ordinary shares — T.C. Ziraat Bankası A.Ş. (Türkiye), per the charter amendments of 17.11.2023 |
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 | KDB Bank Uzbekistan |
Ziraat Bank Uzbekistan |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 1 | free | 44 000 UZS | 2 | free | 35 000 UZS |
| Humo | 2 | free | 44 000 UZS | 1 | free | 20 000 UZS |
| Visa UZS | 1 | free | free | — | — | — |
| Visa USD | 4 | 5 USD/year | free | 1 | — | 100 000 UZS |
| Visa EUR | 2 | free | free | — | — | — |
| Mastercard UZS | — | — | — | 1 | — | 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.
KDB Bank Uzbekistan: Bank cards · Ziraat Bank Uzbekistan: Bank cards
Deposits
| Currency | KDB Bank Uzbekistan |
Ziraat Bank Uzbekistan |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | — | — | 7%/yearFOYDA (VIII) – 7 (S79) | 7%/yearFOYDA (VIII) – 7 (S79) |
| USD | — | — | 2%/yearPROFIT-VIII - 2 (D63) | 2%/yearPROFIT-VIII - 2 (D63) |
| EUR | — | — | — | — |
KDB Bank Uzbekistan: Deposits · Ziraat Bank Uzbekistan: Deposits
Loans
| Loan type | KDB Bank Uzbekistan |
Ziraat Bank Uzbekistan |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | — | — | 28%/yearConsumer loan | 25.5%/yearConsumer loan |
| Auto loans | — | — | 24%/yearAuto loan for the primary market | 21%/yearAuto loan for the primary market |
| Mortgages | — | — | 25%/yearMortgage loan | 23.5%/yearMortgage loan |
| Microloans | — | 34%/yearMicroloan for employees of corporate clients | 25%/yearMicroloan | 25%/yearMicroloan |
| Other loans | — | — | 24%/yearGreen comfort | 24%/yearGreen comfort |
KDB Bank Uzbekistan: Loans · Ziraat Bank Uzbekistan: Loans
Mobile apps
| KDB Bank Uzbekistan |
Ziraat Bank Uzbekistan |
|
|---|---|---|
| App | KDBUz Mobile | Ziraat Bank Mobile Uzbekistan |
| Overall score | 4.28 (521) | 2.77 (45) |
| Google Play | 4.47 (454) ↗ | 2.77 (40) ↗ |
| App Store | 2.99 (67) ↗ | 2.80 (5) ↗ |
| Rank | 24 | 35 |
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 KDB Bank Uzbekistan with another bank
Compare Ziraat Bank Uzbekistan with another bank
Frequently asked questions
The US dollar rate: where is it better — KDB Bank Uzbekistan or Ziraat Bank Uzbekistan?
Buying is cheaper: Ziraat Bank Uzbekistan — sell 11 970 UZS against 12 000 UZS. Selling is better: KDB Bank Uzbekistan — buy 11 885 UZS against 11 860 UZS.
Which bank has more branches and ATMs — KDB Bank Uzbekistan or Ziraat Bank Uzbekistan?
KDB Bank Uzbekistan: 2 branches and 0 ATMs; Ziraat Bank Uzbekistan: 7 branches and 14 ATMs. Ziraat Bank Uzbekistan has more of both branches and ATMs.