Uzum Bank vs AVO Bank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Uzum Bank and AVO 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.
Uzum Bank: 0 branches and 0 ATMs; AVO Bank: 0 branches and 139 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 |  Uzum Bank |
 AVO Bank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 880 | 11 940 | 11 554.36 | 12 269.06 |
| EUR Euro | 13 150 | 13 400 | — | — |
| RUB Russian rouble | 140 | 150 | — | — |
Network: branches and ATMs
Key figures
| Uzum Bank |
AVO Bank |
|
|---|---|---|
| Charter capital | 500 billion UZSdata may be out of dateSource: openinfo.uz ↗ | 692.9 billion UZSas of 01.10.2025Source: openinfo.uz ↗ |
| Assets | 4.47 trillion UZS0.4% of the banking system | 2.11 trillion UZS0.2% of the banking system |
| Loans | 450 billion UZS | 1.61 trillion UZS |
| Total capital | 1.62 trillion UZS | 555 billion UZS |
| Deposits | 1.48 trillion UZS | 978 billion UZS |
| Central Bank licence | No. 88 of 20.01.2026 | No. 83 of 28.02.2025 |
| Shareholders | UB Assets Holding and Continent Arm Investments (Uzum Holding structure, UAE); the exact current structure was not found from media or aggregator publications, needs checking |
Sole shareholder — an individual (Spot.uz, 06.11.2024) from media or aggregator publications, needs checking |
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 | Uzum Bank |
AVO Bank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | — | — | — | 1 | free | — |
| Visa UZS | 2 | free | free | — | — | — |
| Mastercard UZS | — | — | — | 4 | 324 000 UZS/year | 59 000 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.
Uzum Bank: Bank cards · AVO Bank: Bank cards
Deposits
AVO Bank: Deposits
Loans
| Loan type | Uzum Bank |
AVO Bank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | 38%/yearLoan | 38%/yearLoan | — | — |
| Microloans | — | 0%/yearMicroloan to Uzum card | 34.9%/yearOnline microloan | 34.9%/yearOnline microloan |
| Other loans | — | — | 34.9%/yearFor the self-employed | 34.9%/yearFor the self-employed |
Uzum Bank: Loans · AVO Bank: Loans
Mobile apps
| Uzum Bank |
AVO Bank |
|
|---|---|---|
| App | Uzum Bank | AVO - online bank of Uzbekistan |
| Overall score | 4.75 (330 475) | 4.23 (32 594) |
| Google Play | 4.74 (256 367) ↗ | 4.27 (29 858) ↗ |
| App Store | 4.79 (74 108) ↗ | 3.81 (2 736) ↗ |
| Rank | 12 | 26 |
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 Uzum Bank with another bank
Compare AVO Bank with another bank
Frequently asked questions
The US dollar rate: where is it better — Uzum Bank or AVO Bank?
Buying is cheaper: Uzum Bank — sell 11 940 UZS against 12 269.06 UZS. Selling is better: Uzum Bank — buy 11 880 UZS against 11 554.36 UZS.