“Oddiy” Fixed-Term Deposit
A reliable way to grow your savings, with clear terms and flexible top-ups
Open in the app
Up to 18.0% per annum
The exact interest rate depends on the terms you select
3, 6 or 12 months
Choose the deposit term that suits you
From UZS 500,000
Minimum deposit amount: USD 100 or EUR 100
Calculate the rate
1 млн
1 млрд
Rate up to: %
Your annual income
1 489 200 cумов
Calculation is approximate. Exact terms apply upon application
Submit an application
Fill out the application — and we will find the best solution for you.
For deposits in national currency (UZS)
opened in the mobile application
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% |
For deposits in national currency (UZS)
opened at bank branches
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% |
For deposits in US dollars (USD)
opened in the mobile application
opened in the mobile application
| Term (months) | 3 months | 6 months | 12 months |
|---|---|---|---|
| At maturity | X | X | 3.8% |
| Monthly | X | X | 3.5% |
For deposits in US dollars (USD)
opened at bank branches
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% |
For deposits in EURO (EUR)
opened at bank branches
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% |
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.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.
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Last updated: 17.09.2026