National Bank of Uzbekistan vs Xalq Bank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of National Bank of Uzbekistan and Xalq 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.
National Bank of Uzbekistan: 132 branches and 303 ATMs; Xalq Bank: 230 branches and 877 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) |
 Xalq Bank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 870 | 11 960 | 11 890 | 11 960 |
| EUR Euro | 13 170 | 13 370 | 12 500 | 13 450 |
| RUB Russian rouble | 115 | 150 | 50 | 148 |
| CHF Swiss franc | 14 330 | 14 840 | — | — |
| GBP Pound sterling | 15 770 | 16 280 | — | — |
| JPY Japanese yen | 65 | 80 | — | — |
| KZT Kazakhstani tenge | 16 | 27 | — | — |
| CNY Chinese yuan | 1 630 | 1 840 | — | — |
Network: branches and ATMs
Key figures
| National Bank of Uzbekistan (NBU) |
Xalq Bank |
|
|---|---|---|
| Charter capital | 17.77 trillion UZSas of 31.12.2025Source: openinfo.uz ↗ | 9.6 trillion UZSas of 01.01.2025data may be out of dateSource: xb.uz ↗ |
| Assets | 146.78 trillion UZS14% of the banking system | 59.6 trillion UZS5.7% of the banking system |
| Loans | 104.08 trillion UZS | 38.42 trillion UZS |
| Total capital | 21.18 trillion UZS | 11.46 trillion UZS |
| Deposits | 58.8 trillion UZS | 31.45 trillion UZS |
| Central Bank licence | No. 22 of 25.12.2021 | No. 25 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 ↗ |
Reconstruction and Development Fund of Uzbekistan 79,2%; Ministry of Economy and Finance of Uzbekistan 20,8% (as of 01.01.2025) |
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) |
Xalq Bank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 4 | free | free | 6 | — | free |
| Humo | 3 | free | free | 4 | — | free |
| Visa UZS | 9 | free | — | 3 | free | free |
| Visa USD | 8 | free | 50 000 UZS | 3 | 60 USD/year | free |
| Mastercard UZS | 5 | free | — | 3 | free | free |
| Mastercard USD | 5 | — | 70 000 UZS | 3 | 60 USD/year | free |
| Mastercard EUR | — | — | — | 1 | 60 USD/year | 100 000 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.
National Bank of Uzbekistan (NBU): Bank cards · Xalq Bank: Bank cards
Deposits
| Currency | National Bank of Uzbekistan (NBU) |
Xalq Bank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 18%/yearFor everyone | 18%/yearFor everyone | 21%/yearOnlayn ommabop | 21%/yearOnlayn ommabop |
| USD | 4.5%/yearFor everyone | 5%/yearFor everyone | 4.5%/yearStimul-2 | 4.5%/yearStimul-2 |
| EUR | 2%/yearEuro | 2%/yearEuro | — | — |
National Bank of Uzbekistan (NBU): Deposits · Xalq Bank: Deposits
Loans
| Loan type | National Bank of Uzbekistan (NBU) |
Xalq Bank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Auto loans | 0%/yearNBU auto loan for UzAuto Motors cars | 0%/yearChangan auto loan | 0%/yearZero auto loan | 0%/yearZero auto loan |
| Mortgages | 16.5%/yearCombined mortgage | 15%/yearMortgage under partner programs | 17%/yearProsperous Life | 17%/yearProsperous Life |
| Microloans | 25%/yearOnline microloan | 24%/yearMicroloan | 21%/yearPension microloan | 21%/yearPension microloan |
| Education loans | 14%/yearPreferential education loan | 14%/yearPreferential education loan | 14%/yearEducation loan | 14%/yearEducation loan |
| Installment plans | — | — | 0%/yearNasiya | 0%/yearNasiya |
| Other loans | 22%/yearNational Green | 20%/yearNational Green | 20%/yearGreen | 20%/yearGreen |
National Bank of Uzbekistan (NBU): Loans · Xalq Bank: Loans
Mobile apps
| National Bank of Uzbekistan (NBU) |
Xalq Bank |
|
|---|---|---|
| App | Milliy (Milliy 2.0 in Google Play) | xazna |
| Overall score | 4.74 (76 180) | 4.25 (49 714) |
| Google Play | 4.79 (60 192) ↗ | 4.26 (47 955) ↗ |
| App Store | 4.56 (15 988) ↗ | 4.05 (1 759) ↗ |
| Rank | 14 | 25 |
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 Xalq Bank with another bank
Frequently asked questions
The US dollar rate: where is it better — National Bank of Uzbekistan or Xalq Bank?
Selling is better: Xalq Bank — buy 11 890 UZS against 11 870 UZS.
Which bank has more branches and ATMs — National Bank of Uzbekistan or Xalq Bank?
National Bank of Uzbekistan: 132 branches and 303 ATMs; Xalq Bank: 230 branches and 877 ATMs. Xalq Bank has more of both branches and ATMs.
Where is the UZS deposit rate higher: National Bank of Uzbekistan or Xalq Bank?
The main deposit rate is higher: Xalq Bank — 21%/year against 18%/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 Xalq Bank?
The main rate is lower: National Bank of Uzbekistan — 16.5%/year against 17%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.