Features Differences Comparison Get Started FAQ
Open an Account Open an Account
Web · iOS · Android

Ipoteka Business.
In your browser and phone
without visiting the bank

Manage your accounts from your computer and phone.
For small businesses
Open an account online
Beta version
Short-term technical interruptions may occur. Please report any issues via the “Messages to the Bank” section.
Web · iOS · Android

Ipoteka Business.
In your browser and phone
without visiting the bank

Manage your accounts from your computer and phone.
For corporate businesses
Open an account online
Beta version
Short-term technical interruptions may occur. Please report any issues via the “Messages to the Bank” section.
Internet Banking
Web and mobile app
Invoice Payments
Counterparties and budget payments
Currency Exchange
Exchange at competitive rates
Money Transfers
In UZS and foreign currencies
Payroll
Employee salary payments
Business Loans
Business financing

Internet Banking for Small Businesses

Everything your business needs to manage accounts, payments, and transactions — all in one place.
Open an account online Sign in
Internet Banking
Web and mobile app
Invoice Payments
Counterparties and budget payments
Currency Exchange
Exchange at competitive rates
Money Transfers
In UZS and foreign currencies
Payroll
Employee salary payments
Business Loans
Business financing

Internet Banking for Corporate Clients

Everything your business needs to manage accounts, payments, and transactions — all in one place.
Open an account online Sign in

Four differences from traditional client-bank systems

Ipoteka Business was built from the ground up for modern banking — without hardware tokens, operating system restrictions, or complicated installation.

No token or USB key required
Sign in with your username, password, and SMS verification. No USB devices or flash drives needed.
Works in any browser
Chrome, Safari, Firefox, and Edge. Compatible with macOS, Windows, and Linux — no installation required.
Suitable for businesses of any size
From sole proprietors to large enterprises. Configure access permissions for your team.
Connected in one day
Once the agreement is signed, your system is ready to use the same day.

Traditional Client-Bank
vs Ipoteka Business

The same essential features—accounts, payments, and documents—but without USB drives, plugins, or weeks-long setup.

Traditional Client-Bank
You must always carry a USB security key
Works only on Windows
Requires separate installation of plugins and drivers
Limited to a single workstation
No full-featured mobile app
Setup can take several weeks
Ipoteka Business
No USB key or hardware token required
Works in any browser on any operating system
No plugins or drivers to install
Access from any device
Full-featured mobile app
Connected in just one day
Try it for free
Try it for free

Ipoteka Business — in your pocket

The iOS and Android app includes everything your business needs. Payments, documents, and signatures — all from your phone.

Payments on the go
Whether you're on a business trip, at home, or on the move, create and send payments in just a few taps.
Push notifications
Receive instant notifications about incoming payments, outgoing transactions, and document status.
Document signing
Sign payments and applications directly from your phone — no separate token required.
Accounts, cards, and loans
All your business products in one app, on a single screen.

PDF Manual
User Guide for Ipoteka Business
Download the step-by-step internet banking guide: system login, account management, cards, payment documents, and creating payments.
Download the manual

Frequently Asked Questions

We've collected the questions our customers ask most often

Yes. Payments in both local currency (UZS) and foreign currencies, currency conversion, and foreign currency accounts are all available in a single account.

Yes. Every action is confirmed via an SMS code, and the connection is protected with encryption. The security level is comparable to traditional client-banking systems.

Yes. You can assign roles — for example, an accountant can view invoices and create payments, while the director approves them. The access structure is configurable according to the company’s needs.
On the login page there is a “Forgot password?” link. Password recovery takes a few minutes — via SMS or through the contact center.

Yo‘q. Tizimga kirish login, parol va SMS tasdiqlash orqali amalga oshiriladi. USB-fleshka, eToken yoki Rutoken olib yurishingiz shart emas.

Connecting to and using Ipoteka Business is completely free. You only pay applicable fees for specific banking transactions.

Connection on an individual basis
Ipoteka Business is currently available as a limited pilot. We onboard customers by application — a manager will contact you and explain what needs to be prepared.
Get early access
Get early access
0 UZS
Web and mobile app
1 day
From application
to access
24/7
Contact Center support

Have questions? Give us a call!

Contact Center
+998 (78) 150-21-22 · Daily
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Last updated: 07.07.2026