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Foreign-owned bank · Founded: 2005

Ipoteka-bank JSCMB

Ipoteka Bank

Founded in 2005 as Uzbekistan's first specialised mortgage bank and part of Hungary's OTP Group since 2023; offers mortgages, cards, currency exchange and money transfers.

1233 +998 78 150 11 22 ipotekabank.uz 20 branches
  • Visa
  • Mastercard
  • Humo
  • Uzcard

Information checked: October 2026

Contacts

Short number1233 Phone 1+998 78 150 11 22Phone 2+998 78 150 21 22
Websiteipotekabank.uz Telegram@ipotekabankofficial E-mailinfo@ipotekabank.uz Opening hoursMon–Fri 9:00–17:00

Mobile apps

Ipoteka Mobile iOSApp Store AndroidGoogle Play

Services

  • Currency exchange
  • International transfers
  • Deposits
  • Mortgages
  • Car loans
  • Microloans
  • Business banking

Cards

  • Visa
  • Mastercard
  • Humo
  • Uzcard

Money transfer systems

  • Western Union
  • MoneyGram
  • Ria
  • UPT
  • Asia Express

About the bank

Ipoteka Bank traces its history to the Tashkent Housing Savings Bank, set up in 1996 and turned into the Housing Savings Bank of Uzbekistan in 1997. In 2005 that bank merged with Zamin-bank to form Ipoteka-bank, the country's first bank specialising in mortgage lending. On 13 June 2023 Hungary's OTP Bank bought 73.71% of the shares from the Ministry of Economy and Finance, and the bank joined OTP Group. According to the bank's website, as of 1 June 2026 OTP Bank Plc. held 72.89% of the shares, the Ministry of Economy and Finance 17.49% and the International Finance Corporation 8.7%.

For individuals the bank offers mortgages, consumer and car loans, microloans, deposits and cards, and it also serves small, medium-sized and large businesses. According to official figures, its assets stood at USD 3.8 billion at the end of 2024. Branches and banking service centres operate in every region.

For travellers

Branches exchange US dollars, euros, pounds sterling, Japanese yen and Swiss francs, with separate rates for the cash desk, ATMs and the Ipoteka Mobile app. International transfers in US dollars can be sent and received through Western Union, MoneyGram, Ria, UPT (Turkey and Europe) and Asia Express (incoming only); none of these systems charges the recipient a fee.

The bank issues Uzcard, HUMO, Visa and Mastercard cards, including co-badged HUMO-Visa and HUMO-Mastercard cards. The US-dollar Visa Classic and the euro Mastercard Standard are issued at bank offices. The Ipoteka Mobile app is available in Uzbek, Russian and English.

Fees, rates and opening hours can change — check the bank’s website or call its short number.

Sources (10)
  1. cbu.uz
  2. cbu.uz
  3. ipotekabank.uz
  4. ipotekabank.uz
  5. ipotekabank.uz
  6. ipotekabank.uz
  7. ipotekabank.uz
  8. ipotekabank.uz
  9. ipotekabank.uz
  10. openstreetmap.org

Ipoteka Bank

Branches

Branches by region — addresses, phones and a map.

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Tashkent (city) 3

  1. Yunusabad branch

    89 Amir Temur Street, Yunusabad district, Tashkent · Yunusabad District

    Mon–Fri 9:00–17:00

  2. Yakkasaray branch

    61 Usmon Nosir Street, Yakkasaray district, Tashkent · Yakkasaray District

    Mon–Fri 9:00–17:00

  3. Chilanzar branch

    37 Qatortol Street, Chilanzar district, Tashkent · Chilanzar District

    Mon–Fri 9:00–17:00

Tashkent Region 2

  1. Chirchik branch

    1 Haqiqat Street, Chirchik, Tashkent Region · Chirchiq

    Mon–Fri 9:00–17:00

  2. Almalyk branch

    27 Faxriylar Street, Almalyk, Tashkent Region · Olmaliq

    Mon–Fri 9:00–17:00

Andijan Region 2

  1. Andijan regional branch

    1 Anisiy Street, Andijan · Andijan

    Mon–Fri 9:00–17:00

  2. Istiqlol branch

    22 Istiqlol Street, Andijan · Andijan

    Mon–Fri 9:00–17:00

Bukhara Region 1

  1. Bukhara regional branch

    10 Iqbol Street, Bukhara · Bukhara city

    Mon–Fri 9:00–17:00

Fergana Region 1

  1. Fergana regional branch

    38 Qomus Street, Fergana · Fergana

    Mon–Fri 9:00–17:00

Jizzakh Region 1

  1. Jizzakh regional branch

    72 Sharof Rashidov Avenue, Jizzakh · Jizzakh

    Mon–Fri 9:00–17:00

Khorezm Region 2

  1. Khorezm regional branch

    19 Uzbekistan Street, Urgench · Urgench

    Mon–Fri 9:00–17:00

  2. Tinchlik branch

    22 Tinchlik Street, Urgench · Urgench

    Mon–Fri 9:00–17:00

Namangan Region 1

  1. Namangan regional branch

    63 Navoi Street, Namangan · Namangan

    Mon–Fri 9:00–17:00

Navoiy Region 1

  1. Navoiy regional branch

    104A Memorlar Street, Navoiy · Navoiy city

    Mon–Fri 9:00–17:00

Kashkadarya Region 1

  1. Kashkadarya regional branch

    49 Mustaqillik Street, Karshi · Qarshi City

    Mon–Fri 9:00–17:00

Republic of Karakalpakstan 1

  1. Karakalpakstan republican branch

    97A A. Shamuratova Street, Nukus · Nukus

    Mon–Fri 9:00–17:00

Samarkand Region 2

  1. Samarkand regional branch

    31 Beruniy Street, Samarkand · Samarkand

    Mon–Fri 9:00–18:00

  2. Koksaroy branch

    75 Firdavsiy Street, Samarkand · Samarkand

    Mon–Fri 9:00–17:00

Syrdarya Region 1

  1. Syrdarya regional branch

    53 Alisher Navoi Street, Gulistan · Gulistan

    Mon–Fri 9:00–17:00

Surkhandarya Region 1

  1. Surkhandarya regional branch

    20 Mahmud Qoshgariy Street, Termez · Termez City

    Mon–Fri 9:00–17:00