National Bank of Uzbekistan vs Kapitalbank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of National Bank of Uzbekistan and Kapitalbank: 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.
National Bank of Uzbekistan: 132 branches and 303 ATMs; Kapitalbank: 87 branches and 1549 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 |  National Bank of Uzbekistan (NBU) |
 Kapitalbank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 870 | 11 960 | 11 865 | 11 945 |
| EUR Euro | 13 170 | 13 370 | 12 890 | 13 460 |
| RUB Russian rouble | 115 | 150 | 117 | 143 |
| CHF Swiss franc | 14 330 | 14 840 | 13 980 | 15 040 |
| GBP Pound sterling | 15 770 | 16 280 | 15 390 | 16 560 |
| JPY Japanese yen | 65 | 80 | 63 | 83 |
| KZT Kazakhstani tenge | 16 | 27 | 24 | 27 |
| CNY Chinese yuan | 1 630 | 1 840 | 1 704 | 1 874 |
Network: branches and ATMs
| National Bank of Uzbekistan (NBU) |
Kapitalbank |
|
|---|---|---|
| Branches | 132 | 87 |
| ATMs | 303 | 1549 |
Key figures
| National Bank of Uzbekistan (NBU) |
Kapitalbank |
|
|---|---|---|
| Charter capital | 17.77 trillion UZSas of 31.12.2025Source: openinfo.uz ↗ | 407.4 billion UZSdata may be out of datebelow the 500 billion UZS minimumSource: openinfo.uz ↗ |
| Assets | 146.78 trillion UZS14% of the banking system | 66.59 trillion UZS6.4% of the banking system |
| Loans | 104.08 trillion UZS | 39.89 trillion UZS |
| Total capital | 21.18 trillion UZS | 8.34 trillion UZS |
| Deposits | 58.8 trillion UZS | 51.48 trillion UZS |
| Central Bank licence | No. 22 of 25.12.2021 | No. 69 of 25.12.2021 |
| Shareholders | Reconstruction and Development Fund of Uzbekistan 59,25%, the rest — Ministry of Economy and Finance of Uzbekistan from media or aggregator publications, needs checking Source: nbu.uz ↗ |
Current shareholder data was not found |
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 | National Bank of Uzbekistan (NBU) |
Kapitalbank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 4 | free | free | 4 | free | free |
| Humo | 3 | free | free | 3 | free | free |
| Visa UZS | 9 | free | — | 9 | free | free |
| Visa USD | 8 | free | 50 000 UZS | 9 | free | free |
| Visa EUR | — | — | — | 2 | 360 000 UZS/year | 100 000 UZS |
| Mastercard UZS | 5 | free | — | 6 | free | free |
| Mastercard USD | 5 | — | 70 000 UZS | 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.
National Bank of Uzbekistan (NBU): Bank cards · Kapitalbank: Bank cards
Deposits
| Currency | National Bank of Uzbekistan (NBU) |
Kapitalbank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 18%/yearFor everyone | 18%/yearFor everyone | 16%/yearKapital Ziynat | 16%/yearKapital Ziynat |
| USD | 4.5%/yearFor everyone | 5%/yearFor everyone | 5.5%/yearKapital 5,5% | 5.5%/yearKapital 5,5% |
| EUR | 2%/yearEuro | 2%/yearEuro | 2%/yearEuro online 2% | 2%/yearEuro online 2% |
National Bank of Uzbekistan (NBU): Deposits · Kapitalbank: Deposits
Loans
| Loan type | National Bank of Uzbekistan (NBU) |
Kapitalbank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Auto loans | 0%/yearNBU auto loan for UzAuto Motors cars | 0%/yearChangan auto loan | 0%/yearReliable Start 10.0 | 0%/yearEconomy start (Cobalt) |
| Mortgages | 16.5%/yearCombined mortgage | 15%/yearMortgage under partner programs | 21%/yearComfortable Home | 20%/yearComfortable Home |
| Microloans | 25%/yearOnline microloan | 24%/yearMicroloan | 23.99%/yearUniversal | 23.99%/yearUniversal |
| Education loans | 14%/yearPreferential education loan | 14%/yearPreferential education loan | — | — |
| 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%/yearNational Green | 20%/yearNational Green | 22.99%/yearProfitable investment | 20.99%/yearProfitable investment |
National Bank of Uzbekistan (NBU): Loans · Kapitalbank: Loans
Mobile apps
| National Bank of Uzbekistan (NBU) |
Kapitalbank |
|
|---|---|---|
| App | Milliy (Milliy 2.0 in Google Play) | Kapitalbank (KAPITALBANK. Online) |
| Overall score | 4.74 (76 180) | 4.75 (46 715) |
| Google Play | 4.79 (60 192) ↗ | 4.79 (41 225) ↗ |
| App Store | 4.56 (15 988) ↗ | 4.47 (5 490) ↗ |
| Rank | 14 | 11 |
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 National Bank of Uzbekistan (NBU) with another bank
Compare Kapitalbank with another bank
Frequently asked questions
The US dollar rate: where is it better — National Bank of Uzbekistan or Kapitalbank?
Buying is cheaper: Kapitalbank — sell 11 945 UZS against 11 960 UZS. Selling is better: National Bank of Uzbekistan — buy 11 870 UZS against 11 865 UZS.
Which bank has more branches and ATMs — National Bank of Uzbekistan or Kapitalbank?
National Bank of Uzbekistan: 132 branches and 303 ATMs; Kapitalbank: 87 branches and 1549 ATMs. More branches — National Bank of Uzbekistan, more ATMs — Kapitalbank.
Where is the UZS deposit rate higher: National Bank of Uzbekistan or Kapitalbank?
The main deposit rate is higher: National Bank of Uzbekistan — 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): National Bank of Uzbekistan or Kapitalbank?
The main rate is lower: National Bank of Uzbekistan — 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.