Kapitalbank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kapitalbank suits people in Uzbekistan who want an everyday Visa debit card and care most about what currency conversion costs. Its conversion fee of 0% sits well below the site median of 1% and ranks it at 1 among the 237 brands compared.
Key facts
- Best for
- Everyday spending in Uzbekistan on a Visa debit card with a 0% conversion fee.
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- JSCB Kapitalbank↗
- Headquarters
- Uzbekistan↗
- Support channels
- Phone, Email↗
- Official website
- kapitalbank.uz
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Conversion costs 0%, against 0.1% at Wise, 0.5% to 3% at bunq and 0.5% at VaultLeap.
- It is a debit card on visa, so it is accepted wherever that network is accepted.
- The issuer is JSCB Kapitalbank, so spending draws on a normal bank account balance.
Cons
- Support runs on phone and email only, so there is no live chat on the channels recorded.
- A debit card only, with no prepaid or virtual version offered alongside it.
- The bank is based in Uzbekistan, so the account is aimed at a single market rather than a multi-currency one.
Who it suits
- People in UZ paying bills and shopping locally from a bank balance.
- Anyone who spends mostly in a single currency and rarely converts.
- Cardholders who would rather sort fees out with a bank than through an app.
Who should look elsewhere
- Wise, for people who hold several currencies and accept a conversion fee of 0.1%.
- bunq, whose fees of 0.5% to 3% suit buyers who want a euro account and will pay for conversion.
- VaultLeap, whose fee of 0.5% fits card shoppers who prefer a priced conversion over a free one.
The company behind it
The card is issued by JSCB Kapitalbank, a bank headquartered in Uzbekistan. Support runs by phone and email, so questions are handled by phone or email rather than in an app chat. That suits anyone who prefers talking to a person about fees, and it means help sits with the bank itself rather than a fintech platform.
How Kapitalbank compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.6
9.3 vs 9.0bunq runs fees of 0.5% to 3%, a higher conversion rate, for people who want a euro account and its own app rather than the cheapest conversion.
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.1
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9- 9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
Where Kapitalbank is available
- Available
- Uzbekistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to convert money on the card?+
The currency conversion fee is 0%, set out in the bank's tariff sheet, and it is the only conversion charge there. That sits well below the site median of 1%, so cardholders who convert now and then keep more of what they spend.
Is this a debit card or a prepaid card?+
It is a debit card, so purchases draw on the bank account balance rather than a balance you load in advance. The card is issued by JSCB Kapitalbank, so the money sits with the bank and spending is limited by what the account holds. Card shoppers wanting a prepaid or virtual product would need a different provider.
Who issues the card?+
The card is issued by JSCB Kapitalbank, a bank headquartered in Uzbekistan. Spending comes straight out of that account, and pricing comes from the bank's own tariff sheet, with the conversion fee set at 0%. Buyers comparing cards across borders will find the account is set up for a single home market.
How do I contact support?+
Support runs on phone and email, so a phone call or an email is the route to an answer. The bank publishes service details for both, and a call tends to settle fee questions fastest. Live chat is not among the channels here, so questions are handled by people rather than in-app.
Who is this card for?+
It suits people in UZ who pay bills and shop locally from a bank balance, and who convert now and then. The 0% conversion fee matters most for occasional spending outside the home currency, not daily use. Anyone wanting a virtual or prepaid card would need a different provider, since this is a debit card.
How does the conversion cost compare with Wise, bunq and VaultLeap?+
Kapitalbank's conversion fee is 0%, against 0.1% at Wise, 0.5% to 3% at bunq and 0.5% at VaultLeap. The site median for this fee is 1%, so the gap is wide in both directions. Cost is the clear reason to pick this card, and the trade is a local bank relationship rather than a multi-currency wallet.
Where can the card be used?+
The card runs on visa, the same network used by 57.6% of the cards in this category, so it should be accepted wherever that network works. The issuer is JSCB Kapitalbank in Uzbekistan, which shapes where the account is opened and serviced. Spending abroad is where the 0% conversion fee matters.
Sources
- kapital24.uz/upload/medialibrary/f38/mst4e02r66wk1o3yq19w... checked September 26, 2026
Backs: Currency conversion fee
“Conversion operations from a plastic card in national currency issued by any bank to a VISA/Mastercard international plastic card of the JSCB Kapitalbank - No fee is charged”
- kapitalbank.uz/en/about checked September 26, 2026
Backs: Legal entity
“JSCB KAPITALBANK”
- kapitalbank.uz/en/services/blanks/45661 checked September 26, 2026
Backs: Card network
“APPLICATION VISA International Card Issue - JSCB KAPITALBANK”
- freebinchecker.com/bin-lookup/414084 checked September 26, 2026
Backs: Card type, Headquarters
“414084 BIN VISA debit VISA GOLD card issued by Jscb Kapitalbank in Uzbekistan”
- kapitalbank.uz/en/services/blanks/46424 checked September 26, 2026
Backs: Support channels
“for individuals (+998 78) 148-40-11 Contact center; info@kapitalbank.uz”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
Kapitalbank
Everyday spending in Uzbekistan on a Visa debit card with a 0% conversion fee.