“Oddiy” Fixed-Term Deposit
A reliable way to grow your savings with monthly income and flexible top-ups
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18,0%
Interest rate
12 months
Deposit term
500,000 UZS
Minimum amount
Calculate the rate
1 млн
1 млрд
Rates from: %
Your annual income
1 489 200 cумов
Calculation is approximate. Exact terms apply upon application
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Interest rates (for deposits in national currency, UZS)
- Term: up to 12 months
- Deposits opened in the mobile application (at maturity) — 18,0%
- Deposits opened in the mobile application (monthly payments) — 17,0%
- Deposits opened at bank branches (at maturity) — 17,5%
- Deposits opened at bank branches (monthly payments) — 16,5%
For deposits in US dollars (USD)
- Term: up to 12 months
- Deposits opened in the mobile application (at maturity) — 3,8%
- Deposits opened in the mobile application (monthly payments) — 3,5%
- Deposits opened at bank branches (at maturity) — 3,3%
- Deposits opened at bank branches (monthly payments) — 3,0%
For deposits in euros (EUR)
- Term: up to 12 months
- Deposits opened at bank branches (at maturity) — 2,5%
- Deposits opened at bank branches (monthly payments) — 2,0%
Minimum amount of deposit
500,000 UZS / 100 USD / 100 EUR
Top up of deposit
Available within the first 3 months
Capitalization
Not available
Interest calculation
Interest is accrued from the day after receipt of funds until the day before the deposit is closed
Deposit guarantee
Citizens' deposits are guaranteed by the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in banks" up to 200 million UZS
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. Repayment deadlines in case of an insured event:
from January 1, 2026 — within 15 working days;
from January 1, 2027 — within 7 working days.
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.
