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Kapitalbank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Kapitalbank issues a debit card in Uzbekistan for people who mostly spend at home and still want paying abroad to cost nothing. A currency conversion fee of 0% on the card, plus an overall score of 8, makes it a plain choice for everyday banking.

Key facts

Best for
A plain visa card for spending in Uzbekistan with nothing to pay on conversion.
Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
JSCB Kapitalbank (Source, checked September 26, 2026)
Headquarters
Uzbekistan (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Official website
kapitalbank.uz

Credit cards

Currency conversion fee
0% (Source, checked September 26, 2026)
Legal entity
JSCB Kapitalbank (Source, checked September 26, 2026)
Headquarters
Uzbekistan (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Spending abroad carries a currency conversion fee of 0% on the debit card, against 0.1% at Wise and 3% at Upgrade OneCard
  • Placed at position 1 of 259 brands on currency conversion fee
  • A visa debit card from a bank founded in 2001
  • Phone and email help, listed as phone and email

Cons

  • Help runs on phone and email only, which leaves out live chat and counter support
  • A debit card only, with no credit option described in the same account
Kapitalbank

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Scored 9.3 / 10 by DebitCue.

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Who it suits

  • People in Uzbekistan who mostly spend at home but travel now and then
  • Anyone who wants a plain debit card with a 0% conversion fee
  • Customers who value a bank trading since 2001

Who should look elsewhere

  • Wise, if a conversion fee of 0.1% suits your plans better
  • bunq Spain, if you would rather weigh a fee range of 0.5% to 3% on conversion
  • Upgrade OneCard, if paying 3% to convert is not a problem for you

The company behind it

Kapitalbank operates as JSCB Kapitalbank, headquartered in Uzbekistan and established in 2001. Support runs by phone and email, listed as phone and email, and that pair is where account questions and card issues are handled. The UZ base keeps the bank focused on its home market.

How Kapitalbank compares

Where Kapitalbank is available

Available
Uzbekistan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Kapitalbank cost to use abroad?+

Spending in another currency carries a currency conversion fee of 0%. That figure is what places Kapitalbank at position 1 of 259 brands on this measure, so card costs outside the home market add little to everyday spending.

Is Kapitalbank a debit, prepaid or credit card?+

It is a debit card, drawn on the balance in the account rather than a credit line. The card runs on the visa network, so it is accepted wherever visa debit cards are. There is no credit option described in the same account.

Who is behind Kapitalbank and how long has it run?+

The legal entity is JSCB Kapitalbank, based in Uzbekistan and founded in 2001. That gives the card an established local banking record rather than a new entrant. The UZ base also means the service is aimed at the home market rather than many countries.

How do I get help from Kapitalbank?+

Support runs on phone and email, so questions reach the bank by phone or email. Both routes are part of the service, and no live chat or counter channel is set out. Account and card questions therefore go to the same small set of options.

Where is Kapitalbank available?+

The bank is headquartered in Uzbekistan and issues its debit card there, so it is aimed at customers in that market. The visa network means the card can be used abroad, but the account itself is a home market product rather than something built for many countries.

How does Kapitalbank compare with Wise on converting money?+

Kapitalbank converts at 0%, while Wise lists 0.1% and bunq Spain runs 0.5% to 3%. Upgrade OneCard charges 3%. The comparison comes down to whether you pay a conversion fee at all, which matters more the often you travel.

Who should pick Kapitalbank over bunq Spain?+

Readers who never want a conversion charge: 0% here against fees that run 0.5% to 3% at bunq Spain. bunq Spain suits anyone comfortable with a fee range on conversion, while Kapitalbank suits a 0% rate for spending at home in Uzbekistan.

How does Kapitalbank score against other cards?+

Its overall score is 8 and the cost part is 8. Both sit high, which matches the 0% conversion fee and a plain debit card. Readers who care about running costs more than extras should find that balance suits them.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.

Related by the facts

Kapitalbank

Kapitalbank

A plain visa card for spending in Uzbekistan with nothing to pay on conversion.

9.3/10See alternatives