Deposits in soums: offers of 26 banks, annual rates from 7% to 21% (as of 10 November)

According to a message published on a Telegram channel, deposits in soums offered by 26 banks were compiled as of 10 November 2026. The channel says the data were taken from the banks' official websites; a link to each product page is given in the list of sources below. Annual rates range from 7% to 21%.

Deposits by bank

What do the numbers show?

The calculations below were made by the author from the figures in the table:

• For a deposit of 10 million soums, simple interest for one year (without capitalisation): at 21% it is 2.1 million soums, at 7% it is 700 thousand soums; a threefold difference.
• Of the 26 deposits, 11 have a rate of 18% or higher and 4 have a rate below 15%.
• The median rate (the middle value) is 17.0%.
• Deposits with exactly a 12-month term: Tenge bank (19.0%), Mikrokreditbank (18.0%), AVO bank (17.1%), Ipoteka bank (17.0%), Hamkorbank (16.0%).
• Number of deposits with a minimum amount of 100 thousand soums or less: 12.

Can the rates be compared directly?

Only partly. The deposits in the table differ in:

• term, from 3 to 25 months (555 days at Garant bank);
• minimum amount, from 10 thousand to 10 million soums;
• the way interest is paid and capitalised (for example, one deposit pays interest at maturity, while another shows a higher yield with capitalisation);
• some rates apply only when the deposit is opened online or in the app.

Note

The data are taken from the channel's message and relate to 10 November 2026; rates and conditions may change. Before opening a deposit, check the current conditions on the bank's own page. This material is not a recommendation on choosing a bank.