Demand Deposit
Full flexibility — deposit and withdraw anytime, with a state guarantee of up to UZS 200 million.
Apply
0%
Interest rate
Unlimited
Deposit term
100,000 UZS
Minimum amount
Fill out the application — and we will find the best solution for you.
Looking for an easy way to keep your money safe and always accessible?
The Demand Deposit from Ipoteka Bank OTP Group gives you full control — deposit or withdraw whenever you want, no limits, no waiting.
Key Terms
- Interest rate: 0% per annum (this product is designed for liquidity, not income)
- Term: Unlimited — funds are available at any time
- Currency: Uzbek soum (UZS)
- Minimum amount: from UZS 100,000
- Top-up: no limits on amount or frequency
- Withdrawals: anytime, without notice
Why choose this deposit
- Instant access: manage your money 24/7
- No restrictions: deposit or withdraw freely
- Protected by law: deposits insured up to UZS 200 million
- Simple opening: available at any Ipoteka Bank OTP Group branch
How to open
- Visit your nearest branch.
- Sign the agreement — it takes just a few minutes.
- Start using your account and enjoy complete flexibility.
Return on deposits guaranteed
The Fund for Guaranteeing Citizens' Deposits in Banks of the Republic of Uzbekistan ensures the stability of the banking system, and also serves as a guarantee for the return of up to 200 million soums in deposits of the population.Your money — always within reach.
Savings Account
Earn 16% annual interest and keep full access to your funds — anytime, anywhere.
Want your savings to grow without losing flexibility? With the Savings Account from Ipoteka Bank OTP Group, you earn a steady 16% per year while keeping the freedom to top up or withdraw whenever you need.
Key Terms
- Interest rate: 16% per annum (fixed for both app and branch openings)
- Term: Open-ended — funds work for as long as you wish
- Minimum amount: from UZS 15,000,000
- Top-up: no limits on amount or timing
- Interest payments: credited monthly to your account or e-wallet
Why it works for you
- Flexible withdrawals: take out part of your balance or close the account anytime without losing interest
- Stable income: fixed 16% return on your balance
- Daily accrual: interest calculated from the day you deposit
- Protected savings: insured by law up to UZS 200 million
- Easy management: available via the Ipoteka Retail mobile app or at any branch
How to open
- Install the Ipoteka Retail app or visit a branch.
- Select Savings Account.
- Deposit from UZS 15,000,000.
- Start earning — interest accrues automatically.
Make your money work for you — with safety, stability, and full control.
Return on deposits guaranteed
The Fund for Guaranteeing Citizens' Deposits in Banks of the Republic of Uzbekistan ensures the stability of the banking system, and also serves as a guarantee for the return of up to 200 million soums in deposits of the population.On approval of the regulation on minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services
Appendix № 3
INFORMATION SHEET ON THE MAIN CONDITIONS OF DEPOSITS*
|
Name of the commercial bank, official website, phone numbers |
JSCMB «Ipoteka-bank», www.ipotekabank.uz Phone: Contact-center (78) 150-11-22, 1233 |
Section 1. The main conditions of the deposit
|
1. Name of the deposit
|
“Demand” deposit |
|
2. Deposit currency |
in national currency (uzs) |
|
3. Annual interest rate (if the annual interest rate on the deposit is differentiated or depends on the method of registration of the deposit, each is indicated separately) |
0 percentage |
|
4. Availability of capitalization of interest on the deposit (recalculation of interest by adding accrued interest to the principal amount) |
not available |
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5. The term of the deposit |
termless |
|
6. The minimum amount of the deposit (if exists) |
unlimited |
|
7. The frequency of payment of interest on the deposit |
monthly |
|
8. Registration procedure (online or visit to the bank) |
funds are accepted via retail cash desks |
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9. Top-up of additional funds |
available |
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10. Auto prolongation (one sided prolongation of the deposit period by the bank at the end of the deposit period) |
0 percentage will be accrued for the deposited amount after the maturity and till the closure date of the deposit account |
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11. Other conditions |
|
Section 2. Other important conditions
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1. The possibility of partial withdrawal of deposited funds before the end of the deposit term |
available |
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2. The procedure for early termination of the deposit agreement |
termless |
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3. Citizens' deposits in banks are guaranteed in accordance with the Law of the Republic of Uzbekistan "On guarantees of protection of citizens' deposits in banks"
|
|
Please review the information sheet before agreeing to open a deposit!
You have the right to receive full and detailed information from the bank about the terms of the deposit, the interest income on the deposit and the settlement procedure, as well as about your rights and obligations and other issues that are unclear to you.
In case of claims, you can send your request by phone +998 (78) 150-11-22 or to the address Tashkent, Shakhrisabz str., 30 or by e-mail info@ipotekabank.uz.
(Full name and position of bank’s employee) (Date of filling in)
The information sheet does not replace a deposit agreement or a deposit acceptance order, on the contrary, it helps to compare the deposit conditions of different banks and make the right choice
