Your deposit is protected up to UZS 200 million
The guarantee covers all your deposits and accounts held with the bank, including interest that has accrued but has not yet been paid.
How the guarantee works
“Oddiy” Fixed-Term Deposit
A reliable way to grow your savings, with clear terms and flexible top-ups
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Up to 18.0% per annum
The exact interest rate depends on the terms you select
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3, 6 or 12 months
Choose the deposit term that suits you
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From UZS 500,000
Minimum deposit amount: USD 100 or EUR 100
If you need your money earlier
You may close the deposit in full at any time, but partial withdrawals are not available. The interest will be recalculated at a rate of 0%, meaning no interest income will be earned. Any interest already paid will be deducted from the amount returned to you.
Calculate your payment
10 млн
480 млн
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This calculation is for illustrative purposes only. The bank will confirm the final terms after reviewing your application.
Monthly payment
Your money is protected
We handle your data with care
We use your data only for the stated purposes. Full details on how your data is processed are available before you submit your application.
How we protect your dataIpoteka Bank is part of OTP Group
We combine our knowledge of the Uzbek market with the experience of one of the five largest financial groups in Central and Eastern Europe.
Learn more about the bankDetailed information
Top-ups
Available during the first three months from the deposit opening date. No additional funds can be added after this period.
Interest payments
Interest can be paid monthly or at maturity. You can select your preferred option when opening the deposit.
Partial withdrawals
Partial withdrawals are not available. The deposit can only be closed in full.
Interest capitalisation
Not available.
Early closure
All interest will be recalculated at a rate of 0%. Any interest already paid will be deducted from the deposit principal.
Automatic renewal
Not available.
| Currency and channel | Payout | 3 mo. | 6 mo. | 12 mo. |
|---|---|---|---|---|
| UZS in the app | At maturity / monthly | 16,5% / 16,0% | 17,5 % / 16,5% | 18,0% / 17,0% |
| UZS at bank branches | At maturity / monthly | 16,0% / 15,5% | 17,0% / 16,0% | 17,5% / 16,5% |
| USD in the app | At maturity / monthly | — | — | 3,8% / 3,5% |
| USD at bank branches | At maturity / monthly | 2,3% / 2,0% | 2,8% / 2,5% | 3,3% / 3,0% |
| EUR at bank branches | At maturity / monthly | 0,5% / 0,4% | 1,5% / 1,0% | 2,5% / 2,0% |
Fixed-Term Deposit “Oddiy”
1. GENERAL TERMS
| Type | Fixed-term |
| Currency | National currency (UZS), US Dollar (USD), Euro (EUR) |
| How to open | At bank branches, in the mobile application |
| Minimum amount | 500,000 UZS / 100 USD / 100 EUR |
| Term | 3, 6, 12 months |
| Top-up | Within the first 3 (three) months from the opening date |
| Partial withdrawal | Not available |
| Interest capitalization | Not available |
| Auto-renewal | Not available |
2. INTEREST ACCRUAL AND PAYMENT
Interest accrues from the day following the deposit opening date until the deposit closing date. When opening the deposit, the client chooses one of two interest payment options:
- At maturity: accrued interest is paid in full on the maturity date together with the principal amount.
- Monthly: accrued interest is paid monthly, and the principal amount is paid upon deposit closure.
3. INTEREST RATES (PER ANNUM)
3.1. UZS deposits opened in the mobile application
| Term (months) | 3 months | 6 months | 12 months |
|---|---|---|---|
| At maturity | 16.5% | 17.5% | 18.0% |
| Monthly | 16.0% | 16.5% | 17.0% |
UZS deposits opened at bank branches
| Term (months) | 3 months | 6 months | 12 months |
|---|---|---|---|
| At maturity | 16.0% | 17.0% | 17.5% |
| Monthly | 15.5% | 16.0% | 16.5% |
3.2. USD deposits opened in the mobile application
| Term (months) | 3 months | 6 months | 12 months |
|---|---|---|---|
| At maturity | X | X | 3.8% |
| Monthly | X | X | 3.5% |
USD deposits opened at bank branches
| Term (months) | 3 months | 6 months | 12 months |
|---|---|---|---|
| At maturity | 2.3% | 2.8% | 3.3% |
| Monthly | 2.0% | 2.5% | 3.0% |
3.3. EUR deposits opened at bank branches
| Term (months) | 3 months | 6 months | 12 months |
|---|---|---|---|
| At maturity | 0.5% | 1.5% | 2.5% |
| Monthly | 0.4% | 1.0% | 2.0% |
4. EARLY WITHDRAWAL TERMS
Early closure is possible at any time during the contract period. All accrued and paid interest will be recalculated at 0% per annum. Previously paid interest income will be deducted from the remaining deposit balance.
5. INSURANCE
Deposits are guaranteed under the Law of the Republic of Uzbekistan “On guarantees of protection of citizens’ deposits in banks” up to 200 million UZS.
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. Repayment deadlines in case of an insured event: from January 1, 2026 — within 15 working days; from January 1, 2027 — within 7 working days.Customer reviews
Frequently asking questions
The app offers a USD deposit for a 12-month term only. A EUR deposit can be opened at a branch.
Yes, during the first three months after opening the deposit.
No. Partial withdrawals are not available. If you need the money, you can close the deposit in full.
The interest will be recalculated at 0%, and any interest already paid will be deducted from the deposit amount.
The rate depends on the currency, term, opening channel and interest payment method. An 18% rate is available for a 12-month deposit opened in the app with interest paid at the end of the term.
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Last updated: 03.09.2026