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Deposits with interest capitalization: bank rate comparison

Rates as of 22.10.2026More details

Capitalization means that accrued interest is added to the deposit and further interest is calculated on the larger amount, so the income is higher than with simple interest. Deposits with capitalization are offered by 8 banks: 15 deposits. Deposits where capitalization is not stated or not provided (for example, interest paid monthly) are not included. The rate in the table is for the main term at the minimum amount; compare deposits in different currencies only within one currency.

Rates and conditions are taken from the banks’ websites and may change; some deposits have limited-time promotions: check the terms with the bank before opening a deposit. The rate in the table is for the main case: a 12-month term (or the deposit’s only term), the minimum amount, no bonuses; rates for other terms, amounts and channels are on the bank’s page.

A deposit may not actually be available to open, and the data on the bank’s website may be out of date. Check availability and terms in the bank’s app, at a bank office or through its call center.

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Deposits in sums

Bank Deposit Rate Max rate Terms Min. amount Top-up How to open
AVO Bank Premium 1 top-up allowed 22%/year22% per annum for 36 months 22%/year22% per annum for 36 months 36 mo. 50 000 000 000 UZSfrom 50 bn UZS yes in branch
AVO Bank Flexible deposit onlinetop-up allowed 20.05%/year20,05% per annum for 12 months for an amount from 100 000 UZS 20.05%/year20,05% per annum (up to 22% including capitalization) 12 mo. no minimum0 UZS (no minimum) yes online
AVO Bank Term deposit onlinetop-up allowed 20.05%/year20,05% per annum for 12 months for an amount from 100 000 UZS 20.05%/year20,05% per annum (up to 22% including capitalization) 12 mo. 1 000 UZSfrom 1 000 UZS yes online
Agrobank Baraka onlinetop-up allowed 16%/year16% per annum for 24 months 16%/year16% per annum for 24 months 24 mo. 100 000 UZSonline from 100 000 UZS, through branches from 500 000 UZS yes online
Turonbank Kelajak Poydevori top-up allowed 16%/year16% per annum until the depositor reaches 18 16%/year16% per annum — 100 000 UZSfrom 100 000 UZS yes in branch
Agrobank Baxtli bolalik top-up allowed 15%/yearat the Central Bank base rate; the page calculator shows 15% per annum 15%/yearat the Central Bank base rate; the calculator shows 15% per annum 36, 60, 120 mo. 100 000 UZSfrom 100 000 UZS yes in branch
Agrobank Orzuimdagi uy top-up allowed 15%/year15% per annum for 12 months 15%/year15% per annum for 12 months 12 mo. 100 000 UZSfrom 100 000 UZS yes in branch
Business Development Bank Start 18 top-up allowedavailable to non-residents 15%/year15% per annum (base rate + 1%), term until reaching 18 years of age 15%/year15% per annum — no minimumunlimited yes in branch
Business Development Bank Mortgage down payment onlinetop-up allowed 14%/year14% per annum for 13 months 14%/year14% per annum for 13 months 13 mo. 5 000 UZSfrom 5 000 UZS yes online
Kapitalbank Maqsadli ipoteka top-up allowedresidents only 14%/year14% per annum for 6 months 14%/year14% per annum 6 mo. 5 000 000 UZSfrom 5 mln UZS yes in branch
TBC Bank Odat onlinetop-up allowed 13%/year13% per annum on balance 13%/year13% per annum — 1 000 UZSfrom 1000 UZS yes online
Ipak Yuli Bank Foydali onlinetop-up allowed 11%/year11% per annum, open-ended deposit 11%/year11% per annum — 1 000 UZSfrom 1 000 UZS yes online
Turonbank Meros top-up allowed 7%/year7% per annum until the depositor reaches 18 7%/year7% per annum — 100 000 UZSfrom 100 000 UZS yes in branch

Deposits in US dollars

Bank Deposit Rate Max rate Terms Min. amount Top-up How to open
Asia Alliance Bank Constructor USD onlinetop-up allowed 2.75%/year2,75% per annum for 12 months without capitalization, with top-up 4%/yearup to 4% per annum for a term of 18-24 mo. without capitalization and without top-up 1, 6, 12, 18, 24 mo. 500 USDfrom 500 USD yes online
Turonbank Meros top-up allowed 2%/year2% per annum up to 18 years 2%/year2% per annum — 100 USDfrom 100 USD yes in branch

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