Xalq Bank vs Hamkorbank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Xalq Bank and Hamkorbank: 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; Hamkorbank: 173 branches and 203 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 |
 Hamkorbank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 890 | 11 960 | 11 860 | 11 970 |
| EUR Euro | 12 500 | 13 450 | 12 700 | 13 400 |
| RUB Russian rouble | 50 | 148 | 103 | 147 |
| CHF Swiss franc | — | — | 13 800 | 15 300 |
| GBP Pound sterling | — | — | 15 200 | 16 800 |
| JPY Japanese yen | — | — | 72 | 79 |
Network: branches and ATMs
Key figures
| Xalq Bank |
Hamkorbank |
|
|---|---|---|
| Charter capital | 9.6 trillion UZSas of 01.01.2025data may be out of dateSource: xb.uz ↗ | 646.6 billion UZSas of 30.06.2026Source: hamkorbank.uz ↗ |
| Assets | 59.6 trillion UZS5.7% of the banking system | 44.39 trillion UZS4.2% of the banking system |
| Loans | 38.42 trillion UZS | 31.42 trillion UZS |
| Total capital | 11.46 trillion UZS | 8.18 trillion UZS |
| Deposits | 31.45 trillion UZS | 18.22 trillion UZS |
| Central Bank licence | No. 25 of 25.12.2021 | No. 64 of 25.12.2021 |
| Shareholders | Reconstruction and Development Fund of Uzbekistan 79,2%; Ministry of Economy and Finance of Uzbekistan 20,8% (as of 01.01.2025) | Private bank; the controlling stake belongs to an individual (61,9% per Spot.uz, March 2026); shareholders include FMO, responsAbility and IFC (search data) from media or aggregator publications, needs checking Source: spot.uz ↗ |
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 |
Hamkorbank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 6 | — | free | 3 | free | free |
| Humo | 4 | — | free | 3 | free | 30 000 UZS |
| Visa UZS | 3 | free | free | 2 | free | free |
| Visa USD | 3 | 60 USD/year | free | 6 | free | free |
| Visa EUR | — | — | — | 1 | free | 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 · Hamkorbank: Bank cards
Deposits
| Currency | Xalq Bank |
Hamkorbank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 21%/yearOnlayn ommabop | 21%/yearOnlayn ommabop | 18%/yearJamg‘arma ipoteka | 18%/yearJamg‘arma ipoteka |
| USD | 4.5%/yearStimul-2 | 4.5%/yearStimul-2 | 6.5%/yearBarqaror | 6.5%/yearBarqaror |
| EUR | — | — | 2%/yearSTEP-ODDIY | 2%/yearSTEP-ODDIY |
Xalq Bank: Deposits · Hamkorbank: Deposits
Loans
| Loan type | Xalq Bank |
Hamkorbank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | — | — | 30%/yearConsumer | 26%/yearConsumer |
| Auto loans | 0%/yearZero auto loan | 0%/yearZero auto loan | 0%/yearAuto DAMAS | 0%/yearASAKA MOTORS |
| Mortgages | 17%/yearProsperous Life | 17%/yearProsperous Life | 17.5%/yearFor buying an apartment on the primary market | 17%/yearFor buying an apartment on the primary market |
| Microloans | 21%/yearPension microloan | 21%/yearPension microloan | 23.99%/yearMicroloan Plus | 23%/yearLight 2 microloan |
| Education loans | 14%/yearEducation loan | 14%/yearEducation loan | 14%/yearFor education | 14%/yearFor education |
| Installment plans | 0%/yearNasiya | 0%/yearNasiya | — | — |
| Other loans | 20%/yearGreen | 20%/yearGreen | 19%/yearGreen consumer | 19%/yearGreen consumer |
Xalq Bank: Loans · Hamkorbank: Loans
Mobile apps
| Xalq Bank |
Hamkorbank |
|
|---|---|---|
| App | xazna | Tez — bankdan ko‘ra ko‘proq |
| Overall score | 4.25 (49 714) | 4.79 (15 810) |
| Google Play | 4.26 (47 955) ↗ | 4.83 (13 698) ↗ |
| App Store | 4.05 (1 759) ↗ | 4.54 (2 112) ↗ |
| Rank | 25 | 5 |
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 Hamkorbank with another bank
Frequently asked questions
The US dollar rate: where is it better — Xalq Bank or Hamkorbank?
Buying is cheaper: Xalq Bank — sell 11 960 UZS against 11 970 UZS. Selling is better: Xalq Bank — buy 11 890 UZS against 11 860 UZS.
Which bank has more branches and ATMs — Xalq Bank or Hamkorbank?
Xalq Bank: 230 branches and 877 ATMs; Hamkorbank: 173 branches and 203 ATMs. Xalq Bank has more of both branches and ATMs.
Where is the UZS deposit rate higher: Xalq Bank or Hamkorbank?
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): Xalq Bank or Hamkorbank?
The main rate is lower: Xalq Bank — 17%/year against 17.5%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.