Kapitalbank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Kapitalbank pairs a 25 month fixed deposit paying 16% with a debit card that converts currency for 0%, which suits savers in its home market who want a set return and cheap spending abroad. The UZS 100,000 minimum deposit is the trade-off to weigh.
Key facts
Savings
- Headline rate
- 16%↗
- Rate type
- Fixed↗
- Term
- 25 months↗
- Minimum deposit
- UZS 100,000↗
- Access terms
- Interest credited to a demand deposit account or bank card account (Uzcard, HUMO, VISA UZS, MasterCard UZS) opened with JSCB Kapitalbank; replenishment allowed for the first 6 months; early closing allowed with interest recalculated at 10% per annum↗
- Account kind
- Fixed↗
- Pricing model
- Fixed rate
Loans
- Lender type
- Direct lender↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Currency conversion costs 0%, against 0.5% to 3% at bunq, 0.1% at Wise and 3% at Upgrade OneCard™.
- The deposit pays 16% at a fixed rate, well above the 4.15% upper quartile of the listings compared.
- The card runs on the visa network, and the bank was founded in 2001.
- Top-ups are allowed in the early part of the term, and interest is credited to a demand deposit or card account with JSCB Kapitalbank.
Cons
- Support runs on phone and email only, so live chat help is not part of the service.
- The UZS 100,000 minimum deposit puts the 16% rate beyond smaller savers.
- Closing early is allowed only with the interest recalculated, and top-ups stop once the early period passes.
Who it suits
- Savers in its home market who can place UZS 100,000 and leave it for 25 months.
- Card users who want currency conversion at 0% on the visa network.
- Existing JSCB Kapitalbank customers, since interest is credited to a demand deposit or card account there.
Who should look elsewhere
- Savers starting small, since UZS 100,000 is needed up front for the 16% rate, while bunq's 0.5% to 3% conversion range suits customers who spend more than they save.
- Anyone unwilling to lock funds for 25 months: Wise and Upgrade OneCardTM are the alternatives for card-led users, with conversion at 0.1% and 3%.
How Kapitalbank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.6
9.2 vs 9.2
9.2 vs 8.4
9.2 vs 8.5
9.2 vs 8.8
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.0- 9.2 vs 8.0
Where Kapitalbank is available
- Available
- Uzbekistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Kapitalbank deposit pay?+
The fixed deposit pays 16% at a fixed rate for 25 months. That is far above the 4.15% upper quartile among the listings compared, though 101.5% shows some listings quote much more. Interest is credited to a demand deposit or card account with JSCB Kapitalbank.
How much do I need to deposit?+
The minimum deposit is UZS 100,000, above the €43.85 upper quartile across the listings compared. Because the account is fixed, the balance stays locked for 25 months unless you close it early, and closing early recalculates the interest.
Can I top up the deposit later?+
Top-ups are allowed, but only in the early part of the term, so this is not a flexible savings pot. Interest is credited to a demand deposit or bank card account with JSCB Kapitalbank, and card accounts on the Uzcard, HUMO, VISA UZS and MasterCard UZS schemes all work for the payout.
What does the card cost when I spend abroad?+
Currency conversion on the debit card costs 0%, which places Kapitalbank 1 of 258 on the comparison. For contrast, bunq charges 0.5% to 3% and Wise charges 0.1%. The card runs on the visa network.
Who holds the money, and where is the bank based?+
Deposits sit with JSCB Kapitalbank, a direct lender based in Uzbekistan that was founded in 2001. Because the deposit and the payout account must both be with the same bank, you hold the whole balance in a single account for the 25 month term rather than spreading it across providers.
How do I get help?+
Support runs on phone and email, so a phone call or an email reaches the bank, with no live chat listed. Those listed channels cover most questions on a fixed deposit, and the same bank issues the account and card that receive the interest.
Is this a savings account or a fixed deposit?+
It is a fixed account with a fixed rate model and a fixed rate type, not easy access cash. Fixed accounts make up 19.1% of the listings compared, so this sits with a minority of products that lock money for a set period.
Is the card a debit or a credit card?+
It is a debit card, the type most listings carry at 100%, running on the visa network. A debit card draws directly on the deposit and card account held with JSCB Kapitalbank, so the same balance covers both saving and spending.
Sources
- kapital24.uz/upload/medialibrary/f38/mst4e02r66wk1o3yq19w... checked September 26, 2026
Backs: Currency conversion fee
“Conversion operations from a plastic card in national currency issued by any bank to a VISA/Mastercard international plastic card of the JSCB Kapitalbank - No fee is charged”
- kapitalbank.uz/en checked September 26, 2026
Backs: Lender type
“Join stock commercial Bank «Kapitalbank»”
- kapitalbank.uz/en/about checked September 26, 2026
Backs: Legal entity
“JSCB KAPITALBANK”
- kapitalbank.uz/en/services/blanks/45661 checked September 26, 2026
Backs: Card network
“APPLICATION VISA International Card Issue - JSCB KAPITALBANK”
- freebinchecker.com/bin-lookup/414084 checked September 26, 2026
Backs: Card type, Headquarters
“414084 BIN VISA debit VISA GOLD card issued by Jscb Kapitalbank in Uzbekistan”
- kapital24.uz/en/deposit/kapital-ziynat-16 checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“The principal amount is credited to a demand deposit account or a bank card account (Uzcard, HUMO, VISA UZS, MasterCard UZS) opened with JSCB Kapitalbank”
- kapitalbank.uz/en/about/history checked September 26, 2026
Backs: Founded
“has launched its operations based on the License of the Central Bank of Uzbekistan since April, 2001”
- kapitalbank.uz/en/services/blanks/46424 checked September 26, 2026
Backs: Support channels
“for individuals (+998 78) 148-40-11 Contact center; info@kapitalbank.uz”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
Kapitalbank
A 25 month fixed-rate deposit plus 0% currency conversion on the card.