In short: Suits those who will stay in Uzbekistan for more than two weeks and want a card from a large bank with a strong app. The main limits are the length-of-stay condition and the in-person visit.
Terms for non-residents
- Non-residents
- Limited
- Remote account opening
- No
- Visa / Mastercard
- Yes
- Russian-language support
- Yes
- Owner
- Uzum ecosystem structures, 61.54% (since 28 December 2022)
- Founded
- 2001
- License
- Central Bank of Uzbekistan license No. 69 (edition of 25 December 2021)
- Assets
- UZS 62.1 trillion (about USD 5.2 billion) as of 1 August 2026, 4th in the country
- Condition for non-residents
- More than 15 calendar days in Uzbekistan, university study or official employment (since 12 September 2022)
- CERR rating among large banks
- 1st for Q2 2026
- Net profit, H1 2026
- UZS 833.6 billion
- Cards for non-residents
- Visa Classic and Gold in dollars, Mastercard Standard in dollars and euros (according to third-party reviews)
Pros
- 4th in the country by assets and the largest privately owned bank: UZS 62.1 trillion as of 1 August 2026
- First among large banks in the CERR rating for Q2 2026
- Wide branch network and a strong mobile app
- Part of the Uzum ecosystem, which gives access to its payment services
Cons and limits
- Non-residents must have stayed more than 15 days, or be studying or working in the country
- The account is opened in person only, not remotely
- Terms and tariffs for foreigners are not fully published on the website and should be checked with the bank
## About the bank
Kapitalbank was founded in 2001 and operates under Central Bank license No. 69. Its assets were UZS 62.1 trillion on 1 August 2026, about USD 5.2 billion at the Central Bank rate of 16 October 2026. That is fourth place in the country and first among banks without state participation. Since 28 December 2022, 61.54% of the shares have been controlled by structures of the Uzum ecosystem, which also includes Uzum Bank, Uzum Market and Uzum Nasiya. In the CERR rating for Q2 2026 it ranked first among large banks, and its net profit for the first half of 2026 was UZS 833.6 billion.
## Account for non-residents
Since 12 September 2022 the bank has required a foreigner to stay in Uzbekistan continuously for more than 15 calendar days, or to study at a university or work officially in the country. The condition applies to Russians as well; there are no separate rules for them. You need a passport, a PINFL (personal identification number) and proof of temporary registration. The first account is opened at a branch only; additional accounts can be opened remotely if you already have a main account.
## Cards and payments
According to third-party reviews, non-residents can get Visa Classic and Gold in dollars, Mastercard Standard in euros and dollars, and Uzcard and Humo cards in soums. Russian Visa and Mastercard cards are not served in Uzbekistan, and Mir does not work. The bank has no confirmed data on UnionPay or SBP (Faster Payments System) support, so ask at a branch. Within the Uzum ecosystem, the Uzum Bank app is available.
## Tariffs and limits
The bank does not publish tariffs for non-resident cards on a separate page. Third-party reviews quote various issue and maintenance fees, which are not a reliable guide. The main limits:
- the condition on length of stay, study or work;
- an in-person visit to open the first account;
- an Uzbek SIM card in your name is needed to log in to the app (anti-fraud rules in force since 22 April 2026).
## Who it suits
- Foreigners who will stay in Uzbekistan for more than 15 days and want a card from a large bank.
- Those who want Uzcard and Humo cards linked to a convenient app.
- Students and employees, who can meet the bank's condition more easily.
For a shorter stay, compare Asia Alliance Bank, whose current leaflet does not state a minimum period. Octobank, by contrast, requires registration of more than three months.
Frequently asked questions
How long must I stay in Uzbekistan for Kapitalbank to open an account?
Since 12 September 2022 the bank has required continuous stay of more than 15 calendar days, or university study or official employment in the country. Some older publications give 17 days, which is incorrect. Check the condition with the bank before you visit.
Can I open a Kapitalbank account remotely?
A non-resident opens the first account in person only. Additional accounts can be opened remotely if you already have a main account, under a Central Bank rule in force since 12 November 2025.
Who owns Kapitalbank?
Since 28 December 2022 a controlling stake of 61.54% has been held by structures of the Uzum ecosystem. Russia's Telecominvest is no longer among the shareholders.
Which cards does the bank issue to Russians?
According to 2026 reviews, the bank issues Visa, Mastercard, Uzcard and Humo cards to Russians. An unnamed card may be available in Tashkent on the day of application. Ask at a branch for the official tariffs.
Does the bank accept Mir cards?
No. Mir cards have not been served in Uzbekistan since September 2022, and Kapitalbank is no exception.