Updated September 29, 2026 · SumCue Editorial Team
Finom vs TBC Bank Uzbekistan
Finom
TBC Bank Uzbekistan
Higher score in this comparison
Finom vs TBC Bank Uzbekistan: the differences
| Compare | FinomReviewVisitVisit | TBC Bank UzbekistanReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5% | 16% to 18%Higher |
| Minimum deposit | €0 | UZS 100,000 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | No top-up, no partial withdrawal |
| Monthly fee | €0 | UZS 0 |
| Account kind | Cash management | Fixed |
| Term | Not confirmed | 3 to 24 months |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Regulators | Not confirmed | Central Bank of the Republic of Uzbekistan |
Same on both: Rate type (Fixed).
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Key differences
- TBC Bank Uzbekistan scores higher overall: 9.8 vs 8.9.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Headline rate is higher at TBC Bank Uzbekistan: 16% to 18% vs 5%.
- Support channels: only Finom offers Community.
- Support channels: only TBC Bank Uzbekistan offers Phone.
Our verdict on each
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
TBC Bank Uzbekistan
TBC Bank Uzbekistan suits everyday spenders in Uzbekistan who favour a Visa debit card with regular cashback and travel perks. Monthly upkeep is free at UZS 0 and foreign spending carries 0% conversion charge, which keeps cross border use predictable for careful budget planners.
Score breakdown
| Area | Finom | TBC Bank Uzbekistan |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | 9.7HigherMonthly upkeep stays light at UZS 0 with currency moves at 0% |
| Offer | 9.7The fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.9HigherDebit utility pairs cashback at 1% to 5% with Visa acceptance on Visa |
| Trust | 8.2 | Not confirmed |
Positions in our rankings
| Ranking | Finom | TBC Bank Uzbekistan |
|---|---|---|
| Savings | 3 of 1492 | 53 of 1492 |
| Fixed-rate bonds and term deposits | 1 of 199 | 10 of 199 |
| Credit and debit cards | 2 of 1594 | 66 of 1594 |
If neither fits
Plazo ES has headline rate at 24.19%, against 5% for Finom and 16% to 18% for TBC Bank Uzbekistan.
Plazo ES reviewEvery fact side by side
| Fact | Finom | TBC Bank Uzbekistan |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | No monthly fee, Fixed rate |
| Legal entity | PNL Fintech B.V. | JSCB TBC BANK |
| Headquarters | Netherlands | Uzbekistan |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Chat, Help centre, Community | Email, Chat, Phone, Help centre |
Credit cards
| Fact | Finom | TBC Bank Uzbekistan |
|---|---|---|
| APR | Not confirmed | 28% to 49% |
| Currency conversion fee | Not confirmed | 0% |
| Rewards type | Cashback | Not confirmed |
| Features | Rewards | Travel |
| Rewards rate | up to 3% | Not confirmed |
| Audience | Business | Not confirmed |
Loans
| Fact | Finom | TBC Bank Uzbekistan |
|---|---|---|
| Loan amount | Not confirmed | UZS 300,000 to UZS 100,000,000 |
| Arrangement fee | Not confirmed | 0 |
| Funding time | Not confirmed | Same day |
| Representative example | Not confirmed | 300,000 UZS for 3 months at 28% - monthly 104,702.543 UZS, total 314,107.628 UZS |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Uzbekistan citizenship, age 18+, permanent income source |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Car |
Where each stands against the rest
| Fact | Finom | TBC Bank Uzbekistan | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 16% to 18%highest quarter | 3.3% |
| Term | Not confirmed | 3 to 24 monthsbelow the median | 60 |
Median across 710 listed providers.
Pros and cons
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
TBC Bank Uzbekistan
Pros
- Monthly upkeep is free at UZS 0, matching €0 from eToro for lean account keeping
- Foreign card payments carry 0% conversion charge at 0%, which aids travel budgeting
- Cashback runs at 1% to 5% on eligible debit spend, adding value to routine purchases
Cons
- Savers face rigid access because No top-up, no partial withdrawal applies, so funds must stay untouched once placed
- Borrowing costs run 28% to 49%, so weigh repayments against household budgets with care
- Deposit choice stays fixed at fixed for 3 to 24, which limits flexibility for savers
Who each suits
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
TBC Bank Uzbekistan
Who it suits
- Residents in Uzbekistan wanting Visa debit rewards who pick this over eToro for local tariffs
- Travellers wanting no added conversion margin who pick this over Bitpanda for frequent card use
- Cash users wanting a broad free ATM allowance who value branchless help across chat and phone
Who should look elsewhere
- Readers outside Uzbekistan seeking cross border onboarding may favour eToro for wider availability
- Readers wanting flexible savings access may favour Bitpanda style options over locked deposit terms
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Finom | TBC Bank Uzbekistan |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Cyprus | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 12 countries where either is available.
Questions about each
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
TBC Bank Uzbekistan
What is the monthly fee for the debit card?+
What does the debit account cost to keep each month? Monthly upkeep for the debit card is set at UZS 0. That structure helps you forecast spending without a standing charge, while usage charges may still apply to selected services outside the monthly fee.
Is there a currency conversion fee on card payments?+
Foreign currency payments on the debit card carry a conversion charge at 0%. That approach makes travel and cross border shopping easier to plan, as you avoid an added margin on exchange when you pay abroad or shop with overseas merchants.
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Finom
TBC Bank Uzbekistan