Ziraat Bank Uzbekistan vs Bank Saderat Tashkent: bank comparison
Updated: 04.11.2026 06:05More details
Comparison of Ziraat Bank Uzbekistan and Bank Saderat Tashkent: 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.
Ziraat Bank Uzbekistan: 7 branches and 14 ATMs; Bank Saderat Tashkent: 1 branch and 0 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 |  Ziraat Bank Uzbekistan |
 Bank Saderat Tashkent |
||
|---|---|---|---|---|
| Buy | Sell | Buy | Sell | |
| USD US dollar | 11 860 | 11 970 | 11 900 | 12 000 |
| EUR Euro | 12 990 | 13 650 | 12 500 | 15 000 |
| TRY Turkish lira | 210 | 250 | — | — |
Network: branches and ATMs
| Ziraat Bank Uzbekistan |
Bank Saderat Tashkent |
|
|---|---|---|
| Branches | 7 | 1 |
| ATMs | 14 | — |
Key figures
| Ziraat Bank Uzbekistan |
Bank Saderat Tashkent |
|
|---|---|---|
| Charter capital | 373.1 billion UZSas of 17.11.2023data may be out of datebelow the 500 billion UZS minimumSource: ziraatbank.uz ↗ | 47 billion UZSas of 31.12.2024data may be out of datebelow the 500 billion UZS minimumSource: saderatbank.uz ↗ |
| Assets | 4.46 trillion UZS0.4% of the banking system | 622 billion UZS0.1% of the banking system |
| Loans | 2.39 trillion UZS | 9 billion UZS |
| Total capital | 823 billion UZS | 571 billion UZS |
| Deposits | 2.3 trillion UZS | 46 billion UZS |
| Central Bank licence | No. 1 of 25.12.2021 | No. 95 of 15.09.2025 |
| Shareholders | 100% of ordinary shares — T.C. Ziraat Bankası A.Ş. (Türkiye), per the charter amendments of 17.11.2023 | Sole owner — Bank Saderat Iran |
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 | Ziraat Bank Uzbekistan |
Bank Saderat Tashkent |
||||
|---|---|---|---|---|---|---|
| Cards | Maintenance per year | Issuing | Cards | Maintenance per year | Issuing | |
| Uzcard | 2 | free | 35 000 UZS | 1 | — | 56 000 UZS |
| Humo | 1 | free | 20 000 UZS | 1 | — | 56 000 UZS |
| Visa USD | 1 | — | 100 000 UZS | — | — | — |
| Mastercard UZS | 1 | — | 50 000 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.
Ziraat Bank Uzbekistan: Bank cards · Bank Saderat Tashkent: Bank cards
Deposits
| Currency | Ziraat Bank Uzbekistan |
Bank Saderat Tashkent |
||
|---|---|---|---|---|
| Rate | Max rate | Rate | Max rate | |
| UZS | 7%/yearFOYDA (VIII) – 7 (S79) | 7%/yearFOYDA (VIII) – 7 (S79) | — | — |
| USD | 2%/yearPROFIT-VIII - 2 (D63) | 2%/yearPROFIT-VIII - 2 (D63) | — | — |
| EUR | — | — | — | — |
Ziraat Bank Uzbekistan: Deposits · Bank Saderat Tashkent: Deposits
Loans
| Loan type | Ziraat Bank Uzbekistan |
Bank Saderat Tashkent |
||
|---|---|---|---|---|
| Rate | Rate from | Rate | Rate from | |
| Consumer loans | 28%/yearConsumer loan | 25.5%/yearConsumer loan | — | 23%/yearConsumer |
| Auto loans | 24%/yearAuto loan for the primary market | 21%/yearAuto loan for the primary market | 25%/yearAuto loan | 25%/yearAuto loan |
| Mortgages | 25%/yearMortgage loan | 23.5%/yearMortgage loan | 28%/yearMortgage | 28%/yearMortgage |
| Microloans | 25%/yearMicroloan | 25%/yearMicroloan | 28%/yearMicroloan | 28%/yearMicroloan |
| Other loans | 24%/yearGreen comfort | 24%/yearGreen comfort | — | — |
Ziraat Bank Uzbekistan: Loans · Bank Saderat Tashkent: Loans
Mobile apps
| Ziraat Bank Uzbekistan |
Bank Saderat Tashkent |
|
|---|---|---|
| App | Ziraat Bank Mobile Uzbekistan | — |
| Overall score | 2.77 (45) | — |
| Google Play | 2.77 (40) ↗ | — |
| App Store | 2.80 (5) ↗ | — |
| Rank | 35 | — |
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 Ziraat Bank Uzbekistan with another bank
Frequently asked questions
The US dollar rate: where is it better — Ziraat Bank Uzbekistan or Bank Saderat Tashkent?
Buying is cheaper: Ziraat Bank Uzbekistan — sell 11 970 UZS against 12 000 UZS. Selling is better: Bank Saderat Tashkent — buy 11 900 UZS against 11 860 UZS.
Which bank has more branches and ATMs — Ziraat Bank Uzbekistan or Bank Saderat Tashkent?
Ziraat Bank Uzbekistan: 7 branches and 14 ATMs; Bank Saderat Tashkent: 1 branch and 0 ATMs. Ziraat Bank Uzbekistan has more of both branches and ATMs.
Where is the loan rate lower (Mortgages): Ziraat Bank Uzbekistan or Bank Saderat Tashkent?
The main rate is lower: Ziraat Bank Uzbekistan — 25%/year against 28%/year. The final rate depends on the term, amount and client category; see the bank’s loans section for details.