Xalq Bank vs Kapitalbank: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Xalq Bank 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.
Xalq Bank: 230 branches and 877 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 |  Xalq Bank |
 Kapitalbank |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 890 | 11 960 | 11 865 | 11 945 |
| EUR Euro | 12 500 | 13 450 | 12 890 | 13 460 |
| RUB Russian rouble | 50 | 148 | 117 | 143 |
| CHF Swiss franc | — | — | 13 980 | 15 040 |
| GBP Pound sterling | — | — | 15 390 | 16 560 |
| JPY Japanese yen | — | — | 63 | 83 |
| KZT Kazakhstani tenge | — | — | 24 | 27 |
| CNY Chinese yuan | — | — | 1 704 | 1 874 |
Network: branches and ATMs
Key figures
| Xalq Bank |
Kapitalbank |
|
|---|---|---|
| Charter capital | 9.6 trillion UZSas of 01.01.2025data may be out of dateSource: xb.uz ↗ | 407.4 billion UZSdata may be out of datebelow the 500 billion UZS minimumSource: openinfo.uz ↗ |
| Assets | 59.6 trillion UZS5.7% of the banking system | 66.59 trillion UZS6.4% of the banking system |
| Loans | 38.42 trillion UZS | 39.89 trillion UZS |
| Total capital | 11.46 trillion UZS | 8.34 trillion UZS |
| Deposits | 31.45 trillion UZS | 51.48 trillion UZS |
| Central Bank licence | No. 25 of 25.12.2021 | No. 69 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) | 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 | Xalq Bank |
Kapitalbank |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 6 | — | free | 4 | free | free |
| Humo | 4 | — | free | 3 | free | free |
| Visa UZS | 3 | free | free | 9 | free | free |
| Visa USD | 3 | 60 USD/year | free | 9 | free | free |
| Visa EUR | — | — | — | 2 | 360 000 UZS/year | 100 000 UZS |
| Mastercard UZS | 3 | free | free | 6 | free | free |
| Mastercard USD | 3 | 60 USD/year | free | 2 | 780 000 UZS/year | 200 000 UZS |
| Mastercard EUR | 1 | 60 USD/year | 100 000 UZS | 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.
Xalq Bank: Bank cards · Kapitalbank: Bank cards
Deposits
| Currency | Xalq Bank |
Kapitalbank |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 21%/yearOnlayn ommabop | 21%/yearOnlayn ommabop | 16%/yearKapital Ziynat | 16%/yearKapital Ziynat |
| USD | 4.5%/yearStimul-2 | 4.5%/yearStimul-2 | 5.5%/yearKapital 5,5% | 5.5%/yearKapital 5,5% |
| EUR | — | — | 2%/yearEuro online 2% | 2%/yearEuro online 2% |
Xalq Bank: Deposits · Kapitalbank: Deposits
Loans
| Loan type | Xalq Bank |
Kapitalbank |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Auto loans | 0%/yearZero auto loan | 0%/yearZero auto loan | 0%/yearReliable Start 10.0 | 0%/yearEconomy start (Cobalt) |
| Mortgages | 17%/yearProsperous Life | 17%/yearProsperous Life | 21%/yearComfortable Home | 20%/yearComfortable Home |
| Microloans | 21%/yearPension microloan | 21%/yearPension microloan | 23.99%/yearUniversal | 23.99%/yearUniversal |
| Education loans | 14%/yearEducation loan | 14%/yearEducation loan | — | — |
| Loan refinancing | — | — | 21%/yearMortgage loan refinancing | 21%/yearMortgage loan refinancing |
| Installment plans | 0%/yearNasiya | 0%/yearNasiya | 0%/yearKapitalbankdan Qulay Nasiya I | 0%/yearKapitalbankdan Qulay Nasiya I |
| Other loans | 20%/yearGreen | 20%/yearGreen | 22.99%/yearProfitable investment | 20.99%/yearProfitable investment |
Xalq Bank: Loans · Kapitalbank: Loans
Mobile apps
| Xalq Bank |
Kapitalbank |
|
|---|---|---|
| App | xazna | Kapitalbank (KAPITALBANK. Online) |
| Overall score | 4.25 (49 714) | 4.75 (46 715) |
| Google Play | 4.26 (47 955) ↗ | 4.79 (41 225) ↗ |
| App Store | 4.05 (1 759) ↗ | 4.47 (5 490) ↗ |
| Rank | 25 | 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 Xalq Bank with another bank
Compare Kapitalbank with another bank
Frequently asked questions
The US dollar rate: where is it better — Xalq Bank or Kapitalbank?
Buying is cheaper: Kapitalbank — sell 11 945 UZS against 11 960 UZS. Selling is better: Xalq Bank — buy 11 890 UZS against 11 865 UZS.
Which bank has more branches and ATMs — Xalq Bank or Kapitalbank?
Xalq Bank: 230 branches and 877 ATMs; Kapitalbank: 87 branches and 1549 ATMs. More branches — Xalq Bank, more ATMs — Kapitalbank.
Where is the UZS deposit rate higher: Xalq Bank or Kapitalbank?
The main deposit rate is higher: Xalq Bank — 21%/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): Xalq Bank or Kapitalbank?
The main rate is lower: Xalq Bank — 17%/year against 21%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.