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Deposits

Detailed terms

Deposits in national currency:

Term – at least 13 months
Amount – without restrictions
Interest rate – up to 18% per annum

Procedure for calculating interest:

The accrual of interest is carried out daily, starting from the day following the day the term deposit was received by the bank, until the day preceding its return to the Depositor or its debiting from the Depositor's account on other grounds.

Replenishment

Provided

Partial withdrawal

When a term deposit is returned early or partially: interest is recalculated at the rates specified below, based on the actual period of the funds' stay in the deposit.

Provided

Up to 90 days – 12%
From 91 to 180 days – 14%
From 181 to 270 days – 16%
From 271 to 365 days – 17%
Over 366 days – 18%

US Dollar Deposits:

Term – at least 13 months
Amount – without restrictions
Interest rate – up to 6% per annum

Procedure for calculating interest:

The accrual of interest is carried out daily, starting from the day following the day the term deposit was received by the bank, until the day preceding its return to the Depositor or its debiting from the Depositor's account on other grounds.

Replenishment

Provided

Partial withdrawal

When a term deposit is returned early or partially: interest is recalculated at the rates specified below, based on the actual period of the funds' stay in the deposit.

Provided

Up to 90 days – 2%
From 91 to 180 days – 4%
From 181 to 270 days – 5%
Over 271 days – 6%

Deposits in Euro:

Term – at least 13 months
Amount – without restrictions
Interest rate – up to 3,5% per annum

Procedure for calculating interest:

The accrual of interest is carried out daily, starting from the day following the day the term deposit was received by the bank, until the day preceding its return to the Depositor or its debiting from the Depositor's account on other grounds.

Replenishment

Provided

Partial withdrawal

When a term deposit is returned early or partially: interest is recalculated at the rates specified below, based on the actual period of the funds' stay in the deposit.

Provided

Up to 180 days – 1,5%
From 181 to 365 days – 2,5%
Over 366 days – 3,5%



*The final interest rate is set based on the deposit term and amount. For more precise information, please contact the Bank's Sales Offices or Call Center




Your deposits are guaranteed by the Deposit Guarantee Agency

In accordance with the Law of the Republic of Uzbekistan On Guarantees of Protection of Deposits in Banks No. ZRU-1031 dated 18.02.2025, deposits of individual entrepreneurs and legal entities are subject to guarantee (except for deposits provided for in part three of Article 25 of Chapter 4 of the Law).

In the event of a guarantee case, the amount of compensation paid to one depositor in one bank shall be:
- the full amount of the balance of the guaranteed object — if it amounts to 200 million UZS or less;
- 200 million UZS — if the balance exceeds the specified amount.

If a depositor has several guaranteed objects in one bank, regardless of their amount and currency, the total amount of compensation may not exceed the established limit, except for cases provided for in part two of Article 28 of the above-mentioned Law.

FAQ

What is a deposit?

A deposit is money that you place in the Bank for a certain period to earn interest.

How to open a deposit?

You can open a deposit online/offline.

How are interest on deposits calculated?

Interest is accrued from the day after the deposit is opened until the day preceding its return. The calculation is based on 365 days in a year. Interest is not accrued during the period when the depositor’s account is frozen by court authorities.

What is the minimum deposit amount?

The minimum deposit amount is the amount specified in the deposit terms, which is required to open the deposit and must remain in your account throughout the term of the agreement.

Why is the monthly deposit interest amount different, even though the deposit amount has not changed?

Interest is calculated based on the actual number of days in the current month. For example, January has 31 days, and February has 28–29. Therefore, the interest amount differs accordingly.

After the deposit term ends, what happens to the money that has not yet been withdrawn?

After the deposit term ends, the funds will be transferred from the term account to the details specified in the agreement.

What is capitalization?

Capitalization is the addition of accrued interest to the principal amount of the deposit.

What is prolongation?

Prolongation is the automatic extension of the deposit on the day of its maturity. The deposit is extended with the amount available at the time of extension and for the same term as at the time of opening.

Submit an application

By submitting the application, you consent to the processing of personal data.
Our specialists will contact you during the day and help prepare the required set of documents, as well as choose a convenient bank branch for you.

Contacts

We are always here, please contact us as you wish

Always on the phone

1881

For letters

info@apexbank.uz

For financial institutions

FI@apexbank.uz

Address

77 Sadik Azimov Street, Mirabad District, Tashkent, 100060, Uzbekistan