Xalq Bank vs Agrobank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Xalq Bank and Agrobank: 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.
Xalq Bank: 230 branches and 877 ATMs; Agrobank: 168 branches and 99 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 |  Xalq Bank |
 Agrobank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 890 | 11 960 | 11 900 | 11 990 |
| EUR Euro | 12 500 | 13 450 | 13 200 | 13 700 |
| RUB Russian rouble | 50 | 148 | — | 180 |
| CHF Swiss franc | — | — | 13 750 | 14 950 |
| GBP Pound sterling | — | — | 15 300 | 16 400 |
| JPY Japanese yen | — | — | 66 | 86 |
Network: branches and ATMs
Key figures
| Xalq Bank |
Agrobank |
|
|---|---|---|
| Charter capital | 9.6 trillion UZSas of 01.01.2025data may be out of dateSource: xb.uz ↗ | 11.21 trillion UZSas of 31.12.2024data may be out of dateSource: openinfo.uz ↗ |
| Assets | 59.6 trillion UZS5.7% of the banking system | 126.51 trillion UZS12.1% of the banking system |
| Loans | 38.42 trillion UZS | 95.89 trillion UZS |
| Total capital | 11.46 trillion UZS | 13.95 trillion UZS |
| Deposits | 31.45 trillion UZS | 44.62 trillion UZS |
| Central Bank licence | No. 25 of 25.12.2021 | No. 78 of 04.05.2024 |
| Shareholders | Reconstruction and Development Fund of Uzbekistan 79,2%; Ministry of Economy and Finance of Uzbekistan 20,8% (as of 01.01.2025) | Reconstruction and Development Fund of Uzbekistan about 54%, Ministry of Economy and Finance of Uzbekistan about 45% from media or aggregator publications, needs checking Source: halykfinance.kz ↗ |
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 | Xalq Bank |
Agrobank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 6 | — | free | 6 | — | free |
| Humo | 4 | — | free | 3 | — | 40 000 UZS |
| Visa UZS | 3 | free | free | 1 | — | — |
| Visa USD | 3 | 60 USD/year | free | 5 | — | free |
| Mastercard UZS | 3 | free | free | — | — | — |
| Mastercard USD | 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.
Xalq Bank: Bank cards · Agrobank: Bank cards
Deposits
| Currency | Xalq Bank |
Agrobank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 21%/yearOnlayn ommabop | 21%/yearOnlayn ommabop | 18%/yearProgress | 18%/yearProgress |
| USD | 4.5%/yearStimul-2 | 4.5%/yearStimul-2 | 6%/yearPremium | 7%/yearPremium |
Xalq Bank: Deposits · Agrobank: Deposits
Loans
| Loan type | Xalq Bank |
Agrobank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | — | — | 27%/yearIshonchli mikroqarzi | 25%/yearMicroloan |
| Auto loans | 0%/yearZero auto loan | 0%/yearZero auto loan | 0%/yearMilliy Avto muddatli to'lovi | 0%/yearMilliy Avto muddatli to'lovi |
| Mortgages | 17%/yearProsperous Life | 17%/yearProsperous Life | 17%/yearXonadon plyus | 17%/yearXonadon plyus |
| Microloans | 21%/yearPension microloan | 21%/yearPension microloan | 21%/yearBiznesga ko'mak | 21%/yearBiznesga ko'mak |
| Education loans | 14%/yearEducation loan | 14%/yearEducation loan | 14%/yearEducation loan | 14%/yearEducation loan |
| Loan refinancing | — | — | 21.5%/yearArzon ipoteka | 21.5%/yearArzon ipoteka |
| Installment plans | 0%/yearNasiya | 0%/yearNasiya | 0%/yearOpen installment card | 0%/yearOpen installment card |
| Other loans | 20%/yearGreen | 20%/yearGreen | 20%/yearYashil energiya for individuals | 20%/yearYashil energiya for individuals |
Xalq Bank: Loans · Agrobank: Loans
Mobile apps
| Xalq Bank |
Agrobank |
|
|---|---|---|
| App | xazna | Agrobank Mobile |
| Overall score | 4.25 (49 714) | 4.32 (20 875) |
| Google Play | 4.26 (47 955) ↗ | 4.04 (9 863) ↗ |
| App Store | 4.05 (1 759) ↗ | 4.58 (11 012) ↗ |
| Rank | 25 | 23 |
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 Xalq Bank with another bank
Compare Agrobank with another bank
Frequently asked questions
The US dollar rate: where is it better — Xalq Bank or Agrobank?
Buying is cheaper: Xalq Bank — sell 11 960 UZS against 11 990 UZS. Selling is better: Agrobank — buy 11 900 UZS against 11 890 UZS.
Which bank has more branches and ATMs — Xalq Bank or Agrobank?
Xalq Bank: 230 branches and 877 ATMs; Agrobank: 168 branches and 99 ATMs. Xalq Bank has more of both branches and ATMs.
Where is the UZS deposit rate higher: Xalq Bank or Agrobank?
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.