FAQ

You can view the detailed terms of the deposit at this link.

Deposit opening and other services are available only to ANORBANK cardholders. Order a card through a mobile application or online banking, or call the Contact Center.


After card receiving, you can set the deposits up and manage them remotely.

Yes, you can. The number of deposits is unlimited.

The deposit can be set in the national currency up.

Yes, you can close the deposit early. We will transfer money to your wallet. Then, you can transfer them to the bank card or another account and withdraw them from an ATM.

Yes, you can partially withdraw your deposit if it is provided in the terms of the deposit.

The size of the annual interest rate is determined by the conditions of the selected deposit. Interest is calculated on the daily and paid on the monthly basis.

A time deposit is set up for a period according to the conditions of the deposit.

Via SMS notification, mobile application, online banking, or by calling the Bank's Contact Center.

The information on the deposit expiration can be found in the conditions for the deposit, via ANORBANK mobile application or online banking, or by calling the Contact Center.

Capitalization is the addition of interest to the deposit amount. Therefore, the amount on the account increases, and interest is also accrued on the added amount. This is often called compound interest.

Interest accrued on the deposit is credited at your wallet. You can withdraw them from plastic cards at ATMs.

You can find this information in the ANORBANK mobile application, online banking, or by calling the Contact Center.

Permanent deposit balance is a the minimum amount that should be kept in your account during the term of the deposit.

Deposit setting up requires a passport of a foreign citizen, a temporary residence permit, or a residence permit. In addition, you need to become a client of the bank and receive the card of ANORBANK.

You can view the detailed terms of the deposit at this link.

Deposit opening and other services are available only to ANORBANK cardholders. Order a card through a mobile application or online banking, or call the Contact Center.


After card receiving, you can set the deposits up and manage them remotely.

Yes, you can. The number of deposits is unlimited.

The deposit can be set in the national currency up.

Yes, you can close the deposit early. We will transfer money to your wallet. Then, you can transfer them to the bank card or another account and withdraw them from an ATM.

Yes, you can partially withdraw your deposit if it is provided in the terms of the deposit.

The size of the annual interest rate is determined by the conditions of the selected deposit. Interest is calculated on the daily and paid on the monthly basis.

A time deposit is set up for a period according to the conditions of the deposit.

Via SMS notification, mobile application, online banking, or by calling the Bank's Contact Center.

The information on the deposit expiration can be found in the conditions for the deposit, via ANORBANK mobile application or online banking, or by calling the Contact Center.

Capitalization is the addition of interest to the deposit amount. Therefore, the amount on the account increases, and interest is also accrued on the added amount. This is often called compound interest.

Interest accrued on the deposit is credited at your wallet. You can withdraw them from plastic cards at ATMs.

You can find this information in the ANORBANK mobile application, online banking, or by calling the Contact Center.

Permanent deposit balance is a the minimum amount that should be kept in your account during the term of the deposit.

Deposit setting up requires a passport of a foreign citizen, a temporary residence permit, or a residence permit. In addition, you need to become a client of the bank and receive the card of ANORBANK.

Yes, we have. Internet acquiring is a technology being a kind of acquiring that provides acceptance of bankcards for payment online.

All issues, which require your personal attendance, are resolved involving mobile representatives of the bank.

Wherever you are, you may rest assured that you will receive the assistance and support at any time.

Open payroll cards for employees and clients free with a door delivery.

Loans for legal entities are temporarily unavailable.

Foreign currency accounts are opened upon the client’s request.

1. Favorable credit history. 
2. Stable income of a potential credit debtor. 
3. Liquid collateral assets. 
4. Reliable, complete information provided by the potential credit debtor.

Negative credit history
Variable income of a potential credit debtor or no income
Incorrect, unreliable, incomplete information provided by a potential credit debtor.
Illiquid collateral assets, which does not satisfy the Bank

You should contact the key centers of the Bank to obtain a microloan. Contact our Call Center at 55 503 00 00 for more information.

The amount of a microloan is up to UZS 50.0 mln.

No, you do not need to pay any fees for a microloan. Expenses only involve insurance of collateral and registration of collateral by a Notary Officer.

No, a microloan is provided only to customers with stable incomes.

To do this, you should fill in an application for a microloan in the Bank's key center. Whereafter, you will obtain a decision on a microloan in 20 minutes.

The application can be canceled at any time and at any stage of microloan provision.

You may repay the loan either ahead of time or in any amount. In case of early partial repayment, interest will continue to accrue only on the remaining part, i.e. the outstanding amount of the principal debt. In this case, you'll save your money on interest.

When you receive a microloan from a bank, you will not have any emotional discomfort, the risk of disclosing personal information to third parties, and you can get a loan from the bank for a longer period of up to 24 months.

You can view the detailed terms of the deposit at this link.

Deposit opening and other services are available only to ANORBANK cardholders. Order a card through a mobile application or online banking, or call the Contact Center.


After card receiving, you can set the deposits up and manage them remotely.

Yes, you can. The number of deposits is unlimited.

The deposit can be set in the national currency up.

Yes, you can close the deposit early. We will transfer money to your wallet. Then, you can transfer them to the bank card or another account and withdraw them from an ATM.

Yes, you can partially withdraw your deposit if it is provided in the terms of the deposit.

The size of the annual interest rate is determined by the conditions of the selected deposit. Interest is calculated on the daily and paid on the monthly basis.

A time deposit is set up for a period according to the conditions of the deposit.

Via SMS notification, mobile application, online banking, or by calling the Bank's Contact Center.

The information on the deposit expiration can be found in the conditions for the deposit, via ANORBANK mobile application or online banking, or by calling the Contact Center.

Capitalization is the addition of interest to the deposit amount. Therefore, the amount on the account increases, and interest is also accrued on the added amount. This is often called compound interest.

Interest accrued on the deposit is credited at your wallet. You can withdraw them from plastic cards at ATMs.

You can find this information in the ANORBANK mobile application, online banking, or by calling the Contact Center.

Permanent deposit balance is a the minimum amount that should be kept in your account during the term of the deposit.

Deposit setting up requires a passport of a foreign citizen, a temporary residence permit, or a residence permit. In addition, you need to become a client of the bank and receive the card of ANORBANK.

You can view the detailed terms of the deposit at this link.

Deposit opening and other services are available only to ANORBANK cardholders. Order a card through a mobile application or online banking, or call the Contact Center.


After card receiving, you can set the deposits up and manage them remotely.

Yes, you can. The number of deposits is unlimited.

The deposit can be set in the national currency up.

Yes, you can close the deposit early. We will transfer money to your wallet. Then, you can transfer them to the bank card or another account and withdraw them from an ATM.

This deposit does not provide partial withdrawal, but you can completely close the deposit prematurely and withdraw money without waiting for the expiry of the deposit.

The size of the annual interest rate is determined by the conditions of the selected deposit. Interest is calculated on the daily and paid on the monthly basis.

A time deposit is set up for a period according to the conditions of the deposit.

Via SMS notification, mobile application, online banking, or by calling the Bank's Contact Center.

The information on the deposit expiration can be found in the conditions for the deposit, via ANORBANK mobile application or online banking, or by calling the Contact Center.

Capitalization is the addition of interest to the deposit amount. Therefore, the amount on the account increases, and interest is also accrued on the added amount. This is often called compound interest.

Interest accrued on the deposit is credited at your wallet. You can withdraw them from plastic cards at ATMs.

You can find this information in the ANORBANK mobile application, online banking, or by calling the Contact Center.

Permanent deposit balance is a the minimum amount that should be kept in your account during the term of the deposit.

Deposit setting up requires a passport of a foreign citizen, a temporary residence permit, or a residence permit. In addition, you need to become a client of the bank and receive the card of ANORBANK.

You can connect online banking by applying via the website or by calling the bank's contact center. Online banking connection is free of charge.


After connecting to your mobile phone, you will receive an SMS with a username and password for the first login to the online banking.


Online banking is a service that provides all banking operations with no Bank visiting.


Online banking is available 24 hours a day. At any time, you can quickly see the balance of the account, check the card expenses, top up your mobile phone or block the card.

If the temporary password for online banking login has expired, or you forgot your password, contact the bank's 24-hour contact center to recover it.

The activation of an online banking service is free of charge. This service has no subscription fee, and the commission fee for transfers is more favorable.

You can call the bank's contact center and learn about additional features of the online banking.

Online acquiring is a service that provides the acceptance of bankcards to pay for goods and services directly on the website, an online store or online service.

To start cooperation with us, you can apply via the website or by calling the bank's contact center. The Bank staff will explain all the necessary points and answer your questions about required documents and the signing of the contract.

No, it does not. The company's current account is enough.

E-POS terminal generates an electronic card cheque, which, if desired, can be sent as an SMS to the purchaser's phone number or as an e-mail. Please note that the card cheque does not replace a fiscal cashier’s cheque issued for the goods, but only confirms the withdrawal of the specified amount from the purchaser's card account.

Anor Merchant Affiliate Program is the attraction of new customers and retaining of existing ones through the sale of its goods and services in installments, while immediately receiving the full cost of the customer's purchase.

Fill in a few simple fields via the bank's website and an Anor Merchant Affiliate Program representative will contact you shortly and tell you how ANORBANK can help your business grow.

You do not need to open a company's settlement account at ANORBANK to become a member of the Anor Merchant Affiliate Program.

A current account is an opportunity to receive small amounts from a bank for a short period. If you have a current account, you can spend more funds than you have on your account and go negative. For example, if the customer delays payment, but you need to pay urgently for the rent.

It is prohibited to use a current account credit for the following purposes:

- repayment of any debt to the bank (except for the debt for settlement and cash services);

- repayment and provision of loans and credits;

- purchase of equity securities;

- payment of dividends;

- investment in authorized capital;

- replenishment of secondary deposit accounts.

Entrepreneurs always have many expenses: taxes, office rent, purchase of raw materials, purchase of equipment, its maintenance, payment of wages, etc. Usually, entrepreneurs calculate money in such a way that there is enough for everything, but sometimes something goes wrong.

Interest is not charged in the first 7 days from the date of each takedown (tranche).

Not more than 50% of the total amount of average monthly receipts to the customer's current accounts for the last 6 months (the maximum amount is 1,000 reference calculation value).

Not more than 12 months, while the mandatory period for each takedown (tranche) cannot exceed 45 days.

Monthly on the 5th. While, the interest is not charged in the first 7 days from the date of each takedown (tranche). Interest is accrued from the 8th day of the takedown (tranche).

Automatically by the bank at the close of the transaction day from the funds to the deposit account of the borrower.

Yes, it does. See the bank's information resources for collateral requirements.

Business entities - legal entities and individual entrepreneurs who opened a demand deposit account (primary or secondary) at our bank, have a liquid balance and a favourable credit reputation, stable turnovers on deposit accounts, working profitably, and also able to provide credit collateral that meets bank requirements.

You should apply for credit and attach all required documents through Remote Service channels.

You can receive the credit to finance current activities (purchase of raw materials, goods, materials, components, payment for work and services, payment of wages, as well as other expenses under current activities).

You can open a line of credit for this credit product for up to 5 years. It can be used for takedowns (tranches) with a term of their mandatory repayment taking 18 months from the date of taking.

To the accounts of suppliers of goods/ works/ services (except for credits received for the payment of wages).

The payment is automatically debited from the account on the payment date. So, make sure that there are funds in the account.

Yes, it is. The bank does not charge penalties and commissions for early repayment.

Debts for all tranches are summed up.

The bank provides a payment schedule through Remote Service channels for you to include the payments in expenses.

Interest is charged on the balance of the credit that you used and not yet returned. For example, the entire limit is UZS 500 million, but you spent UZS 100 million. You have to pay only for these 100 million, and not for all 500 million.

This is not a revolving line of credit, which can be used to purchase fixed assets, including real estate, equipment, vehicles, and other items necessary for business activities.

Business entities - legal entities and individual entrepreneurs who opened a demand deposit account (primary or secondary) at our bank, have a liquid balance and a favourable credit reputation, stable turnovers on deposit accounts, working profitably, and also able to provide credit collateral that meets bank requirements.

You should apply for a line of credit and attach all required documents through Remote Service channels.

A line of credit can be opened for up to 5 years. It can be used for takedowns (tranches) with a term of their mandatory repayment taking 36 months from the date of taking.

To the accounts of suppliers of fixed assets.

Interest is repaid monthly on the 5th day. The principal debt is repaid on a monthly basis in equal installments after the expiry of the grace period (if any).

Yes, it is. The bank does not charge penalties and commissions for early repayment.

Debts for all tranches are summed up.

The bank provides a payment schedule through Remote Service channels for you to include the payments in expenses.

Interest is charged on the balance of the credit that you used and not yet returned. For example, the entire limit is UZS 500 million, but you spent UZS 100 million. You have to pay only for these 100 million, and not for all 500 million.

It is very simple: our bank can provide you with credit to purchase goods, pay for the services of our partners (merchants). You can find various companies in the list of our partners.

The borrower can purchase the necessary goods and services from our partners (merchants) on terms of installments with no interest and overpayments.

The partner (merchant) of the bank: the turnover of funds significantly increases, accounts receivable decreases and, as a result, the financial condition improves.

This requires a Partner Agreement with the bank.

Yes, you need to open a deposit account (primary or secondary).

An installment credit line can be opened for up to 5 years. It can be used for takedowns (tranches) with the term of their mandatory repayment specified by the bank's partner (merchant).

To the partner's (merchant's) accounts.

The list of the bank's partners (merchants) is available on all the bank's information resources.

A Framework Facility is an agreement between the Bank and the Customer that the Bank is ready to provide credits under a limit and the established term through a Loan Agreement. Credits are provided on the terms provided for in the Loan Agreement with no additional agreements. Credit conditions are determined individually, depending on the financial condition of the customer, its needs, and its type of business.

The Framework Facility provides evergreen credit, credit facility for investment purposes, current account, and installments.

The limit is the maximum amount of the outstanding balance on credits issued under the Framework Facility.

You can open a Framework Facility for up to 5 years. It can be used for takedowns (tranches) with the term of their mandatory repayment within each individual credit product.

You should apply for credit and attach all required documents through Remote Service channels.

The conditions for each type of credit issued under the Framework Facility are specified in the loan agreement.

Business entities and legal entities that opened a demand deposit account (primary or secondary) at our bank and meet the following requirements:

- work with no losses and the availability of a liquid balance;

- no overdue accounts payable;

- a positive audit report on the results of the financial year; 

- a favourable credit reputation;

- be able to provide collateral under the guarantee that meets the requirements of the bank.

You should apply for a guarantee and attach all required documents through Remote Service channels.

The Bank provides the following types of guarantees:

a) guarantee for deferred payment of customs duties;

b) payment guarantee;

c) advance payment guarantee;

d) guarantee for the risk of non-repayment of a credit in another bank;

e) a guarantee to secure a bidding/ tender application for a bidding/ tender proposal;

f) guarantee of contract/ agreement performance.

Yes, we do. See the bank's information resources for collateral requirements.

If the customer's package of documents is full and there are no bank's comments, the bank will consider the application for the guarantee for 20 days.

Fill out an application for the credit through the Remote Service channels, attach scanned copies of all necessary documents and send them to the bank by pressing a button.

If the customer's package of documents is full and there are no comments from the bank, the bank will consider the application for a credit up to 10 days depending on the planned project specifics.

You can see the full list of documents required for the bank to receive the credit on the official information resources of the bank.

The bank accepts liquid collateral (real and personal property) as the credit support, as well as other collateral provided for by the Law of the Republic of Uzbekistan.

Credit funds can be spent on the development and expansion of entrepreneurial activities, including the acquisition of fixed and circulating assets.

The credit is repaid according to the schedule agreed between the customer and the bank.

Outstanding credit amounts result in overdue debt, which is the subject for higher interest rates and penalty.

The bank will recover the credit at the expense of collateral.

A credit product is a program of cooperation with a customer developed and approved by the bank, which provides credit granting.

Information about the bank's credit products is available on all information resources of the bank.

Credit reputation is a dossier on you as a borrower. It reports how much and when you borrowed. It specifies the way you paid (on time or delayed). It tells, if you applied to other banks. A favorable credit reputation increases the chances for credit receipt.

A part of credit provided to the borrower under the loan agreement.

The term of the tranche depends on the credit line. For example, a credit line for investment purposes requires up to 36 months. The working one requires 18 months.

Any individual or legal entity.

Yes, we do. We come, inspect and photograph the collateral object. The meeting takes no more than half an hour.

No, it won't. The owner of the collateral object does not change, there is only ban imposed. This means, that the object can not be sold or leased with no bank's consent.

Collateral is a guarantee that the bank will receive money even if the borrower does not repay the credit. In case of delayed payments or refusal to repay the debt, the bank is entitled to sue and demand the collection of a collateral object against the debt.


Collection of a collateral object is an extreme measure. It is more profitable for the bank to receive money from the borrower and not waste time dealing with the object of collateral.

See detailed information on the types and conditions for placing deposit products offered by the bank on the website, or you can contact our 24/7 contact center.


Contact the Bank's Contract Center and fill out an application to make/ place a deposit.


If you are a customer of the bank, you can open a deposit with no Bank visiting, i.e. via online banking.

You can terminate the deposit agreement before expiry. See detailed conditions for the return of the deposit in the deposit agreement.


You can apply for early termination of the deposit via online banking.

Funds placed on a bank deposit (national / foreign currency) are the property of a legal entity, and not its income. Therefore, it cannot be subject to corporate income tax. The tax applies only to interest on the deposit. Therefore, it is more profitable to keep funds in bank deposit accounts.

First of all, banks are eligible to accept deposits /contributions.


However, other financial institutions (for example, microlenders) that have an appropriate license are also eligible to attract funds to deposits.

Currently, the bank offers to legal entities the following types of deposits for free funds:

- fixed-term deposit

- saving deposit

- OverNight deposit

Yes, it is, if the registered agreement provides thereof.

Customers can offer their individual terms of service according to the Bank's tariff plan by submitting an application.

According to ANORBANK's terms of service, companies can change the tariff plan once monthly.

If you do not plan to use the card in the future, you can return it to the Bank. If you plan to use it, the Bank will transfer your card to the Tariff for individuals.

In case of loss / theft of your bankcard, you should immediately call the round-the-clock Contact Center at +99 ___________________, +99 __________________ to block the card. After personal identification, your card will be blocked. To do this, call from the phone number registered during bankcard receipt to any phone number of the contact center.

You can withdraw cash from your ANORBABK payroll card at any ATM.

You do not need to open a current account for the payroll programme, if this operation seems difficult or undesirable to you for some reason. See section 'Payroll Programme' to get acquainted with the procedure for registration of a payroll programme with no payment processing. Please fill out the application form and the bank employees will be glad to provide you with all the necessary information on the payroll programme for your company.

The funds are credited on the day they are received to the Bank's correspondent account according to the Contract.

ANORBANK in your pocket - a mobile application with all bank services.

The easiest way to manage money directly from your smartphone. Anywhere in the world. Anytime.

iphone_app_screen_eng.png

Thank you for your feedback!

Did you find the information you are looking for?

Share link: