AVO Bank cards: fees
Fees as of 22.10.2026More details
AVO Bank: 5 cards — Uzcard, Mastercard.
Fees are taken from the banks’ websites and may change: check the terms with the bank before getting a card. The amount in the table is for the main case (for example, withdrawal at the bank’s own ATM); variants and conditions are shown in the cell.
Uzcard in UZS
AVO UZCARD digital virtualresidents only
| Issuing | freefreeitem 1 of the AVO UZCARD digital tariff (effective from 17.04.2025) |
|---|---|
| Maintenance | freefreeinformation sheet (14.04.2026), card page |
| Top-up | freefree in the AVO bank app and AVO bank ATMstariff cl. 6 |
| Transfer to another bank’s card | 1%between AVO bank cards - free; to HUMO and UZCARD cards of other banks - 1% of the transaction amountitems 2.1, 2.3 of the tariff for expense transactions (from 29.04.2026) |
| SMS notifications | freefreea fee may be charged by the mobile operator |
| Other | payments in the app — free (if there is a fee, you will be informed before payment); balance inquiry — free; temporary blocking and certificates — free; closure — free; no penalty is charged for technical debtAVO UZCARD digital tariff; information sheet |
| Transfer limit | 200 000 000 UZS/transactionup to 200 mln UZS per transfer or payment transactioncard page; cl. 3.1 of the tariff |
| Purchase limit | 200 000 000 UZS/transactionup to 200 mln UZS per single transfer or payment transaction; up to 5 bln UZS for all transactions per monthcard page; cl. 3.1 of the tariff |
| Other limits | up to 5 bln UZS for all transactions per monthcard page |
| Validity | 3 years |
Virtual Uzcard card only, in UZS, issued in the app (MyID), instantly; reissue - instantly, the fee is not specified in the tariff. Age from 18 years, citizenship - Republic of Uzbekistan. Cash withdrawal is not stated in the description. Non-residents: AVO bank does not work with foreign citizens (FAQ on the credit card page), there are no separate tariffs for non-residents.
Mastercard in UZS
AVO platinum (virtual) virtualresidents only
| Issuing | freefreecl. 1.1 of the AVO platinum tariff |
|---|---|
| Maintenance | 27 000 UZS/mo.virtual card maintenance: free; card account maintenance: free for transactions up to 180 000 UZS per month, 27 000 UZS per month for transactions from 180 000 UZScl. 5 of the AVO platinum tariff; charged when there is an available balance on the account (from credit and/or own funds); 27 000 UZS per month is taken as the main case (with transactions from 180 000 UZS per month), with lower spending - free |
| Withdrawal at own ATMs | 1%1% of the transaction amount at an AVO bank ATM (from own funds)item 1.2 of the tariff for debit transactions (dated 29.04.2026); with a credit limit, withdrawal from credit funds - 29 000 UZS + 8,9% |
| Withdrawal at other banks’ ATMs | 1%1% of the transaction amount; another bank may charge an additional feecl. 1.3 of the tariff for expenditure transactions |
| Withdrawal abroad | 1%1% of the transaction amount (other banks' ATMs; the tariff has no separate line for abroad); another bank may charge an additional feecl. 1.3 of the tariff; plus 3% conversion on a transaction in a currency other than UZS |
| Top-up | freefree in the AVO bank mobile app and ATMs; via ATMs, terminals and apps of other banks: via Paynet - 1,8%, via Mastercard (incl. MoneySend) - freecl. 15 of the AVO platinum tariff; on the credit card page, in the block for other banks' cards, top-up at AVO ATMs of 0,7% is stated - this applies to other banks' cards |
| Transfer to another bank’s card | 0.5%in the AVO app: between own cards and accounts - free; to HUMO and UZCARD cards of other banks - 0,5%; transfer to a Mastercard card of another bank is not specified separately in the tariffcl. 2.1-2.2 of the tariff on expense transactions; for transfers from own funds (from credit funds - 29 000 UZS + 8,9%); transfers between cards of third-party banks in the app - 1,5% |
| Conversion | 3%/transaction3% of the transaction amount on top of the bank rate on the authorization dateclause 9 of the tariff; conversion is made at the bank's rate |
| SMS notifications | freefreea fee may be charged by the mobile operator; stated on the debit card page |
| Other | adding to the international stop list - 150 000 UZS; dispute procedure with the international payment system at the client's request - 300 000 UZS; review of a disputed transaction - free; balance inquiry at other banks' ATMs - 11 000 UZS; 3D Secure - freecl. 6-14 of the AVO platinum tariff |
| Withdrawal limit | 100 000 000 UZS/transactionup to 100 mln UZS per 1 cash withdrawal transactioncl. 3.1 of the tariff; another bank or app may set different limits |
| Transfer limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 transfer or payment operation; 5 bln UZS per month for all operationstariff cl. 3.1 |
| Purchase limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 payment transaction; 5 bln UZS per month for all transactionstariff cl. 3.1 |
| Other limits | 5 bn UZS per month for all spending operations; transfers and payments to other banks' cards in the app: 10 mln UZS per operation, 100 mln UZS per month; top-up of the card account by phone number or card number at AVO ATMs: 1 mln UZS at a time and 50 mln UZS per monthcl. 3.1-3.3 of the tariff; if there is credit debt, the limit per 1 operation is capped at the debt amount |
Virtual Mastercard is issued in the app within a couple of minutes for free (clause 1 of the tariff). The details are visible only in the app. Validity is not stated. Non-residents: AVO bank does not work with foreign citizens (FAQ on the credit card page), there are no separate tariffs for non-residents.
AVO platinum (debit, plastic) residents only
| Issuing | 59 000 UZS59 000 UZS (plastic card with free maintenance); virtual - freepaid once on the day of application; plastic cards with free issuance are no longer issued (from 20.10.2026), for previously issued ones — 4 990 UZS per month for maintenance (cl. 2 of the tariff) |
|---|---|
| Maintenance | 27 000 UZS/mo.card maintenance: free (for plastic issued for 59 000 UZS); card account maintenance: free for transactions up to 180 000 UZS per month, 27 000 UZS per month for transactions from 180 000 UZScl. 5 of the AVO platinum tariff; charged when there is an available balance on the account (from credit and/or own funds); 27 000 UZS per month is taken as the main case (with transactions from 180 000 UZS per month), with lower spending - free |
| Withdrawal at own ATMs | 1%1% of the transaction amount at an AVO bank ATM (from own funds)item 1.2 of the tariff for debit transactions (dated 29.04.2026); with a credit limit, withdrawal from credit funds - 29 000 UZS + 8,9% |
| Withdrawal at other banks’ ATMs | 1%1% of the transaction amount; another bank may charge an additional feecl. 1.3 of the tariff for expenditure transactions |
| Withdrawal abroad | 1%1% of the transaction amount (other banks' ATMs; the tariff has no separate line for abroad); another bank may charge an additional feecl. 1.3 of the tariff; plus 3% conversion on a transaction in a currency other than UZS |
| Top-up | freefree in the AVO bank mobile app and ATMs; via ATMs, terminals and apps of other banks: via Paynet - 1,8%, via Mastercard (incl. MoneySend) - freecl. 15 of the AVO platinum tariff; on the credit card page, in the block for other banks' cards, top-up at AVO ATMs of 0,7% is stated - this applies to other banks' cards |
| Transfer to another bank’s card | 0.5%in the AVO app: between own cards and accounts - free; to HUMO and UZCARD cards of other banks - 0,5%; transfer to a Mastercard card of another bank is not specified separately in the tariffcl. 2.1-2.2 of the tariff on expense transactions; for transfers from own funds (from credit funds - 29 000 UZS + 8,9%); transfers between cards of third-party banks in the app - 1,5% |
| Conversion | 3%/transaction3% of the transaction amount on top of the bank rate on the authorization dateclause 9 of the tariff; conversion is made at the bank's rate |
| SMS notifications | freefreea fee may be charged by the mobile operator; stated on the debit card page |
| Other | adding to the international stop list - 150 000 UZS; dispute procedure with the international payment system at the client's request - 300 000 UZS; review of a disputed transaction - free; balance inquiry at other banks' ATMs - 11 000 UZS; 3D Secure - freecl. 6-14 of the AVO platinum tariff |
| Withdrawal limit | 100 000 000 UZS/transactionup to 100 mln UZS per 1 cash withdrawal transactioncl. 3.1 of the tariff; another bank or app may set different limits |
| Transfer limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 transfer or payment operation; 5 bln UZS per month for all operationstariff cl. 3.1 |
| Purchase limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 payment transaction; 5 bln UZS per month for all transactionstariff cl. 3.1 |
| Other limits | 5 bn UZS per month for all spending operations; transfers and payments to other banks' cards in the app: 10 mln UZS per operation, 100 mln UZS per month; top-up of the card account by phone number or card number at AVO ATMs: 1 mln UZS at a time and 50 mln UZS per monthcl. 3.1-3.3 of the tariff; if there is credit debt, the limit per 1 operation is capped at the debt amount |
AVO platinum is a single Mastercard product in UZS: it can be used as a debit card or a credit limit can be accepted (see the separate entry). Issued at a card-issuing ATM (50+ devices), activated via QR in the app; no delivery or office issuance. Age: from 16 years, citizenship - Republic of Uzbekistan, passport or ID card. The card validity is not stated on the site or in the tariffs, the reissue tariff was not found. Non-residents: AVO bank does not work with foreign citizens (FAQ on the credit card page), there are no separate tariffs for non-residents.
AVO platinum (credit card) residents only
| Issuing | 59 000 UZSplastic card 59 000 UZS; virtual - freethe virtual card is issued automatically upon identification; a plastic card can be ordered and collected from a card machine |
|---|---|
| Maintenance | 27 000 UZS/mo.card maintenance: free (for plastic issued for 59 000 UZS); card account maintenance: free for transactions up to 180 000 UZS per month, 27 000 UZS per month for transactions from 180 000 UZScl. 5 of the AVO platinum tariff; charged when there is an available balance on the account (from credit and/or own funds); 27 000 UZS per month is taken as the main case (with transactions from 180 000 UZS per month), with lower spending - free |
| Withdrawal at own ATMs | 8.9%from credit funds: 29 000 UZS + 8,9% of the amount; from own funds at an AVO ATM: 1%cl. 1.1-1.2 of the tariff for spending transactions (from 29.04.2026); cash withdrawal — a non-preferential transaction, the grace period does not apply, the loan interest rate of 27,9-74,9% is charged additionally |
| Withdrawal at other banks’ ATMs | 8.9%from credit funds: 29 000 UZS + 8,9%; from own funds: 1%; another bank may charge its own feecl. 1.1, 1.3 of the tariff for expense operations |
| Withdrawal abroad | 8.9%from credit funds: 29 000 UZS + 8,9%; from own funds: 1% (other banks' ATMs, no separate line for abroad)cl. 1.1, 1.3 of the tariff; plus 3% conversion on a spending transaction in foreign currency |
| Top-up | freefree in the AVO bank mobile app and ATMs; via ATMs, terminals and apps of other banks: via Paynet - 1,8%, via Mastercard (incl. MoneySend) - freecl. 15 of the AVO platinum tariff; on the credit card page, in the block for other banks' cards, top-up at AVO ATMs of 0,7% is stated - this applies to other banks' cards |
| Transfer to another bank’s card | 0.5%in the AVO app: between own cards and accounts - free; to HUMO and UZCARD cards of other banks - 0,5%; transfer to a Mastercard card of another bank is not specified separately in the tariffcl. 2.1-2.2 of the tariff on expense transactions; for transfers from own funds (from credit funds - 29 000 UZS + 8,9%); transfers between cards of third-party banks in the app - 1,5% |
| Conversion | 3%/transaction3% of the transaction amount on top of the bank rate on the authorization dateclause 9 of the tariff; conversion is made at the bank's rate |
| SMS notifications | freefreea fee may be charged by the mobile operator; stated on the debit card page |
| Other | loan rate: 0% during the interest-free period (up to 46 days), then 27,9-74,9% per annum; minimum payment 4% (at least 10 000 UZS); penalty 1% per day (1st overdue payment), 5% per day (subsequent); stop list - 150 000 UZS; dispute with the payment system - 300 000 UZS; balance inquiry at other banks' ATMs - 11 000 UZSinformation sheet on the main terms of the AVO platinum credit card (14.04.2026); AVO platinum tariffs, credit terms |
| Withdrawal limit | 100 000 000 UZS/transactionup to 100 mln UZS per 1 cash withdrawal transactioncl. 3.1 of the tariff; another bank or app may set different limits |
| Transfer limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 transfer or payment operation; 5 bln UZS per month for all operationstariff cl. 3.1 |
| Purchase limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 payment transaction; 5 bln UZS per month for all transactionstariff cl. 3.1 |
| Other limits | 5 bn UZS per month for all spending operations; transfers and payments to other banks' cards in the app: 10 mln UZS per operation, 100 mln UZS per month; top-up of the card account by phone number or card number at AVO ATMs: 1 mln UZS at a time and 50 mln UZS per monthcl. 3.1-3.3 of the tariff; if there is credit debt, the limit per 1 operation is capped at the debt amount |
| Cashback | 1% (max. 500 000 UZS)/mo.1% in bonuses from each purchase made with credit funds; up to 100% on the first purchase made with credit funds, but no more than 100 000 bonuses1 bonus = 1 UZS; maximum 500 000 bonuses per month; minimum amount for exchange into money 150 000 bonuses; bonus validity 6 months; “Bring a Friend” promotion: 100 000 bonuses per month (with 2 invited friends) |
The same AVO platinum product in credit card mode (from age 18, limit from 1 000 to 100 000 000 UZS, decision within 1 hour, no collateral required). Interest-free period of up to 46 calendar days (grace period for spending of up to 31 days + 15-day payment period) on purchases and payments in the app; 0% per year if repaid in full, otherwise 27,9-74,9% per year depending on scoring (calculator on the website: 27,9 / 34,9 / 51,9 / 74,9%); effective annual cost 42,07-87,2%; minimum payment 4% of principal plus interest (at least 10 000 UZS); penalty 1% per day for the first overdue payment, 5% for subsequent ones; cash withdrawal and transfers are non-grace operations. The loan terms apply to contracts after 03.09.2025. No interest on balance. Card validity is not specified. Non-residents: AVO bank does not work with foreign citizens (FAQ on the credit card page), there are no separate tariffs for non-residents.
AVO platinum payment sticker residents only
| Issuing | 79 000 UZSpaid once on the day of application (tariff cl. 4.1) |
|---|---|
| Maintenance | 27 000 UZS/mo.sticker maintenance: free; card account maintenance: free for transactions up to 180 000 UZS per month, 27 000 UZS per month for transactions from 180 000 UZScl. 5 of the AVO platinum tariff; charged when there is an available balance on the account (from credit and/or own funds); 27 000 UZS per month is taken as the main case (with transactions from 180 000 UZS per month), with lower spending - free |
| Withdrawal at own ATMs | 1%1% of the transaction amount at an AVO bank ATM (from own funds)item 1.2 of the tariff for debit transactions (dated 29.04.2026); with a credit limit, withdrawal from credit funds - 29 000 UZS + 8,9% |
| Withdrawal at other banks’ ATMs | 1%1% of the transaction amount; another bank may charge an additional feecl. 1.3 of the tariff for expenditure transactions |
| Withdrawal abroad | 1%1% of the transaction amount (other banks' ATMs; the tariff has no separate line for abroad); another bank may charge an additional feecl. 1.3 of the tariff; plus 3% conversion on a transaction in a currency other than UZS |
| Top-up | freefree in the AVO bank mobile app and ATMs; via ATMs, terminals and apps of other banks: via Paynet - 1,8%, via Mastercard (incl. MoneySend) - freecl. 15 of the AVO platinum tariff; on the credit card page, in the block for other banks' cards, top-up at AVO ATMs of 0,7% is stated - this applies to other banks' cards |
| Transfer to another bank’s card | 0.5%in the AVO app: between own cards and accounts - free; to HUMO and UZCARD cards of other banks - 0,5%; transfer to a Mastercard card of another bank is not specified separately in the tariffcl. 2.1-2.2 of the tariff on expense transactions; for transfers from own funds (from credit funds - 29 000 UZS + 8,9%); transfers between cards of third-party banks in the app - 1,5% |
| Conversion | 3%/transaction3% of the transaction amount on top of the bank rate on the authorization dateclause 9 of the tariff; conversion is made at the bank's rate |
| Other | adding to the international stop list - 150 000 UZS; dispute procedure with the international payment system at the client's request - 300 000 UZS; review of a disputed transaction - free; balance inquiry at other banks' ATMs - 11 000 UZS; 3D Secure - freecl. 6-14 of the AVO platinum tariff |
| Withdrawal limit | 100 000 000 UZS/transactionup to 100 mln UZS per 1 cash withdrawal transactioncl. 3.1 of the tariff; another bank or app may set different limits |
| Transfer limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 transfer or payment operation; 5 bln UZS per month for all operationstariff cl. 3.1 |
| Purchase limit | 200 000 000 UZS/transactionup to 200 mln UZS per 1 payment transaction; 5 bln UZS per month for all transactionstariff cl. 3.1 |
| Other limits | 5 bn UZS per month for all spending operations; transfers and payments to other banks' cards in the app: 10 mln UZS per operation, 100 mln UZS per month; top-up of the card account by phone number or card number at AVO ATMs: 1 mln UZS at a time and 50 mln UZS per monthcl. 3.1-3.3 of the tariff; if there is credit debt, the limit per 1 operation is capped at the debt amount |
Mini version of the AVO platinum card (Mastercard, NFC), sticks onto the phone; card details are in the app, collected at a cardomat. Operation tariffs (withdrawal, transfers, limits) are not given separately on the sticker page - they are stated per the tariff of the AVO platinum card, of which the sticker is the mini version. Non-residents: AVO bank does not work with foreign citizens (FAQ on the credit card page), there are no separate tariffs for non-residents.