UzObmen.com

Hamkorbank cards: fees

Fees as of 22.10.2026More details

Hamkorbank: 15 cards — Uzcard, Humo, Visa.

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

UZCARD available to non-residents

Issuing 30 000 UZS30 000 UZS when applying at a branch; free: salary/pension/benefit/scholarship, application via the Hamkor Mobile app, cards for receiving money transferscl. 1.1.1-1.1.4 of the General Tariff; the card page shows 30 000 UZS as the base price
Maintenance freefreeon the card page: maintenance free
Reissue 30 000 UZSupon expiry: 30 000 UZS (free for salary and pension cards); upon loss/damage: 30 000 UZScl. 1.2.1-1.2.3
Withdrawal at own ATMs 1%Hamkorbank ATM and cash desk: 1%; free when withdrawing funds received through an online deposit opened in cash formcl. 1.5.1, 1.5.6, 1.5.7
Top-up freefree regardless of the top-up method; when topping up via ATMs or cash desks of third-party banks, that bank's fee appliescl. 1.4: cash deposit to cards of other banks (Humo/Uzcard) via Hamkorbank cashiers and ATMs - 1%
Transfer to another bank’s card freeup to 5 mln UZS per month to HUMO/UZCARD cards in the Hamkor app: free; terms above 5 mln UZS are not specified on the websitepayment to organizations whose beneficiaries are budget organizations and corporate customers - free (cl. 1.5.5 f); payment of Hamkorbank loans and taxes via the bank's terminal - free
Other payment for goods and services via Humo and Uzcard terminals in Uzbekistan: free; card account statement: free for the current month, 50 000 UZS outside the current monthcl. 1.7 of the General Tariff
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

Validity — no more than 5 years (card issuance and maintenance terms). The Oson yutuq promotion (prize draw for the Uzcard card, 01.09-31.10.2026) is not a tariff. Card delivery is mentioned on the page, the cost is not stated.

Source ↗

UZCARD Moment

Issuing freefreecl. 1.1.5 of the General Tariff: issuance of Uzcard Moment instant cards is free; the card is issued upon visiting a branch, linked in the Hamkor app
Maintenance freefreecard page
Withdrawal at own ATMs 1%Hamkorbank cash desks and ATMs: 1%card page; clauses 1.5.1, 1.5.6
Top-up freefree regardless of the top-up method
Transfer to another bank’s card freeup to 5 mln UZS per month by phone number or card: free; terms above the limit are not stated on the websitepayment to budget organizations and corporate customers - free
Other payment for goods and services via Humo and Uzcard terminals in Uzbekistan: freeintegration with ATTO (metro and transport)
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

Reissue terms are not specified on the page or separately in the tariff. The validity is taken per the general rule for Uzcard cards (no more than 5 years).

Source ↗

UZCARD UnionPay (co-badge) available to non-residents

Issuing 35 000 UZS35 000 UZS; free: salary/pension/benefit/scholarship cards and applications via the Hamkor Mobile app; non-residents 500 000 UZSnon-residents: 500 000 UZScl. 1.14 of the General Tariff; the page states issuance at a branch
Maintenance freefree for residents and non-residentscard page
Reissue 35 000 UZSupon expiry: 35 000 UZS (free for salary cards); in case of loss/damage: 35 000 UZScl. 1.14 d, e, l
Withdrawal abroad 2% (min. 25 000 UZS)2% of the amount (min. 25 000 UZS per the tariff; per the page - at least 2 USD) + fee of the other bankdiscrepancy: General Tariff cl. 1.14.1 a - min. 25 000 UZS, card page - min. 2 USD
Top-up freefree regardless of the top-up method; via ATMs or tellers of third-party banks - that bank's feecl. 1.14 x
Transfer to another bank’s card freeup to 5 mln UZS per month by phone number, card or details: free; payment for goods, loans and taxes: freeterms above the limit are not specified on the website
Other account inquiry and cancellation of an inquiry via ATM: 6 000 UZS per inquiry (per the page 5 000 UZS)clause 1.14.1 b; discrepancy with the website
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

Multi-currency co-badge card UZCARD UnionPay: accounts in UZS and USD. The USD part of UnionPay is not included in the product list. The page's transfer fee tariffs (3%/1%/0,5%/0,2% by tier) relate to payment acceptance and are not included in the main case.

Source ↗

Humo in UZS

HUMO available to non-residents

Issuing 30 000 UZS30 000 UZS when ordered at a branch; free when ordered on the website or in the Hamkor app, for salary/pension/benefit/scholarship cards and cards for receiving transfersGeneral tariff cl. 1.12; the main page shows “free” for online orders
Maintenance freefreecard page
Reissue 30 000 UZSupon expiry: 30 000 UZS (free for salary and pension cards); upon loss/damage: 30 000 UZScl. 1.12 f, g, kh
Withdrawal at own ATMs 1%Hamkor cash desks and ATMs: 1%card page; cl. 1.13
Withdrawal at other banks’ ATMs 1%other banks' ATMs: 1% (per the page); the third-party bank's fee, if any, is not specified in the tariffcard page: “at cash desks and ATMs of Hamkor bank and other banks”
Top-up freefree regardless of the top-up type; via ATMs or tellers of third-party banks - that bank's feecl. 1.12 k
Transfer to another bank’s card freebetween HUMO cards free (in the Hamkor app up to 5 mln UZS per month to any cards); from HUMO card to UZCARD card: 0,25%terms above 5 mln UZS are not specified on the website
Other opening a Humo virtual card in the app is free; adding the card to the stop list and unblocking are freecl. 1.12 i, zh, l
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

Validity - no more than 5 years. Card production from 3 days (page).

Source ↗

HUMO Virtual virtual

Issuing freefreeGeneral tariff cl. 1.12 l: opening a Humo virtual card in the Hamkor Mobile app
Validity2 years

There is no separate page for the virtual Humo on the website, it is mentioned only in the General tariff. Validity of virtual cards - no more than 2 years (issuance conditions).

Source ↗

HUMO Visa (co-badge) available to non-residents

Issuing 30 000 UZS30 000 UZS; free: salary/pension/benefit/scholarship cards and applications via the Hamkor Mobile app; non-residents 500 000 UZSnon-residents: 500 000 UZScl. 1.17 of the General Tariff
Maintenance freefree (one account in UZS and dollars)card page
Reissue 30 000 UZSupon expiry: 30 000 UZS (free for salary cards); in case of loss/damage: 30 000 UZScl. 1.17 d, e, l
Withdrawal abroad 2% (min. 2 UZS)2% of the amount (min. 2 USD) + the other bank's feecard page; item 1.17.1 a: 2% (min. 2 USD)
Top-up freefree regardless of the top-up methodcl. 1.17 x
Transfer to another bank’s card freebetween HUMO cards free; from a HUMO card to a UZCARD card 0,25%
Other payment by card via terminal for bank services: 0,5% (min. 5 000 UZS); balance inquiry via ATM: 5 000 UZS; investigation of disputed Visa transactions: 230 000 UZScl. 1.17.1
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

HUMO Visa multi-currency card: a soum account (humo/UZS entry) and a dollar account (visa/USD entry).

Source ↗

Visa in UZS

Visa in UZS available to non-residents

Classic privileges →

Issuing freefree (application and reissue)card page and cl. 1.19.1 of the General Tariff (Visa Pul Card)
Maintenance freefreemonthly maintenance is free (page FAQ)
Reissue freefreeitem 1.19.1: Visa Pul Card issuance and reissue free
Withdrawal at own ATMs freeUzcard ATMs (incl. Hamkorbank): free up to 3 mln UZS per month, 1% above; Hamkorbank cashier: 1,5%cl. 1.19.3 a, c; card page: over 3 mln UZS the fee is 1%
Withdrawal at other banks’ ATMs 1.5%ATMs (Humo) in Uzbekistan: up to 3 mln UZS per month 1,5%, over 3 mln UZS per month 2,5%; when withdrawing at another bank's ATM, the third-party bank's fee is addedclause 1.19.3 b; the tariff does not show whose Humo ATMs exactly; page: at another bank's ATM, that bank's fee is added
Top-up freefree: cash at Hamkorbank cashier desks and ATMs, at other banks' ATMs, terminals and Paynet agents; in the Hamkor app from HUMO/UZCARD cardscl. 1.19.4, 1.19.5
Transfer to another bank’s card freein the Hamkor app to UZCARD/HUMO and Visa Hamkorbank cards: up to 10 mln UZS per month free, above 10 mln UZS per month 1%cl. 1.19.6; the 10 mln UZS limit refers to the free volume, not to a ban on transactions
Other payment at points with MCC 6050, 6051, 6538, 6540, 6211: 1,5%; investigation of disputed transactions (chargeback rejection) 230 000 UZS; electronic statement freecl. 1.19.8-1.19.10
Deposit / minimum balance freeminimum balance 0 UZScard page and cl. 1.19.2: there is no minimum balance
Interest on balance 10%/year10% per annum on the balance, accrued daily, paid on the first business day of the following month; interest only when the balance is from 10 000 UZSdiscrepancy: the General Tariff cl. 1.6 states 0% on the balance for individuals' cards; the 10% condition is given on the card page
Validity5 years

In the General tariff the card is called Visa Pul Card. Payment abroad and in global online stores is available.

Source ↗

Visa Classic credit card residents only

Issuing freefree (issuance and maintenance)item 1.18.1; page: issuance and maintenance free
Maintenance freefreecredit card page
Reissue freeupon expiry: free; upon change of surname, loss or damage: 50 000 UZScl. 1.18.2
Withdrawal at own ATMs 3.9% (min. 26 000 UZS)ATMs: 3,9% (min. 26 000 UZS); cash desks: 5%cl. 1.18.6
Top-up freefree: at the bank's teller, by transfer from Uzcard/Humo cards (P2P) in the app, from other banks' cards via Visa Directcl. 1.18.3
Transfer to another bank’s card 3.9% (min. 26 000 UZS)transfer from card to cards of other banks (P2P, Visa Direct): 3,9% (min. 26 000 UZS)cl. 1.18.8
SMS notifications freeactivation of the online purchases service and SMS banking is freecl. 1.18.10
Other rate 40% per year; interest-free period of up to 50 days on all transactions; min. payment 10% of the amount spent plus interest; payment for purchases free; quasi-cash 1% (min. 15 000 UZS); balance inquiry via ATM 5 000 UZS; written statement of balances 75 000 UZS; investigation 230 000 UZSclause 1.18; credit card page
Other limits credit limit from 1 mln to 50 mln UZS, revolvingcredit card page
Deposit / minimum balance freeno minimum balancecl. 1.18.4
Validity4 years

Applications for the credit card are temporarily suspended (per the page as of 22.10.2026). Card term 4 years (in the last 12 months the limit decreases by 1/12 per month). Requirements: citizenship of Uzbekistan, age from 18 years, confirmed income for at least 6 months.

Source ↗

Visa in USD

HUMO Visa (co-badge) available to non-residents

Issuing 30 000 UZS30 000 UZS; non-residents 500 000 UZSnon-residents: 500 000 UZSsame card as the humo/UZS entry; cl. 1.17
Maintenance freefree (one account in UZS and dollars)
Withdrawal abroad 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feecl. 1.17.1 a
Validity5 years

Dollar account of the HUMO Visa co-badge card; there are no separate tariffs for the USD account other than those given.

Source ↗

Visa Classic available to non-residents

Classic privileges →

Issuing freefree (including when ordered via the Hamkor Mobile app); free for non-residentsitem 1.8.1 of the General tariff; card page
Maintenance freefreecard page
Reissue freeupon expiry: free; upon loss/damage: 25 000 UZS (on the card page 50 000 UZS)non-residents: 50 000 UZSdiscrepancy: cl. 1.8.2 - 25 000 UZS for residents, page - 50 000 UZS
Withdrawal at own ATMs freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecl. 1.8.6 a, b
Withdrawal at other banks’ ATMs 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feeitem 1.8.6 d; HUMO ATMs in Hamkorbank: 2% (min. 2 USD)
Withdrawal abroad 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feethe tariff does not distinguish between Uzbekistan and abroad: «cashiers or ATMs of other banks»; there is no separate line for foreign ATMs
Top-up freefree: cash, transfer within Hamkorbank, transfer from accounts in other banks; via third-party banks' ATMs/cashier desks - that bank's feecl. 1.8.3, 1.8.13
Transfer to another bank’s card 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freecl. 1.8.8; minimum 1 USD on the card page
SMS notifications freeconnecting SMS banking and online purchases is freecl. 1.8.10
Other payment for checks, foreign currency, e-wallets, trading accounts (quasi-cash): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM: 0,5 USD; written statement of balances 75 000 UZS; disputed transaction investigation 230 000 UZSclauses 1.8.5, 1.8.7, 1.8.11, 1.8.12
Deposit / minimum balance free0 US dollars (residents); non-residents 10 USD; Visa Exchange PayWave 5 USDnon-residents: 10 USDclause 1.8.4; card page: minimum balance 0 USD
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

Website page: card in USD and EUR (one page for both currencies). Tariffs in the document are set in US dollars; there are no separate values for the EUR card.

Source ↗

Visa Gold

Gold privileges →

Withdrawal at own ATMs freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecl. 1.9.4 a, b
Withdrawal at other banks’ ATMs 2% (min. 2 USD)2% of the amount (min. 2 USD) + the other bank's feeitem 1.9.4 d; HUMO ATMs in Hamkorbank: 2% (min. 2 USD)
Top-up freefree: in cash, by transfer within Hamkorbank, from accounts in other bankscl. 1.9.1, 1.9.11
Transfer to another bank’s card 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freecl. 1.9.6
SMS notifications freeconnecting SMS banking and online purchases is freecl. 1.9.8
Other quasi-cash: 1% (min. 1 USD); balance inquiry via ATM 0,5 USD; balance statement 75 000 UZS; investigation 230 000 UZScl. 1.9.3, 1.9.5, 1.9.9, 1.9.10
Deposit / minimum balance 5 USD5 US dollars; non-residents 10 USDnon-residents: 10 USDcl. 1.9.2 of the General Tariff
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards

Visa Gold exists only in the General Tariff (section 1.9), there is no card page on the website; issuance and terms are not confirmed, the cost of issuance and maintenance is not specified in the section.

Source ↗

Visa Infinite available to non-residents

Infinite privileges →

Issuing 100 000 UZS100 000 UZS for residents; 300 000 UZS for non-residentsnon-residents: 300 000 UZScl. 1.16.1 of the General Tariff
Maintenance 4 USD/mo.4 USD per monthGeneral Tariff: subscription fee
Reissue 100 000 UZS100 000 UZS; non-residents 300 000 UZS (upon expiry, loss or damage)non-residents: 300 000 UZSGeneral tariff; the card page gives the same amount for loss or damage
Withdrawal at own ATMs freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecard page and General Tariff
Withdrawal at other banks’ ATMs 1% (min. 1 USD)1% of the amount (min. 1 USD) + the other bank's feeitem 1.16.7; the HUMO ATM rate for Infinite is not stated
Withdrawal abroad 1% (min. 1 USD)1% of the amount (min. 1 USD) + the other bank's feethe tariff does not distinguish between Uzbekistan and abroad: “cashiers or ATMs of other banks”
Top-up freefree: in cash, by transfer within Hamkorbank, from other banks' accounts; via ATMs/cash desks of third-party banks — that bank's feethe card page states a fee of 0,5% (min. 0,5 USD) for transfers from other banks' accounts, the General tariff (clause 1.16.14) — free
Transfer to another bank’s card 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freeGeneral tariff cl. 1.16.9: min. 2 USD
SMS notifications freeconnecting SMS banking and online purchases is free
Other quasi-cash (checks, foreign currency, electronic wallets, trading accounts): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM 0,5 USD; balance statement 75 000 UZS; investigation of a disputed transaction 230 000 UZSGeneral tariff
Deposit / minimum balance 50 USD50 US dollarscard page and General Tariff
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

USD only. Additionally per the page: Visa Global Customer Assistance, medical advice, Lounge Key, Visa Luxury Hotel, travel insurance.

Source ↗

Visa Platinum available to non-residents

Platinum privileges →

Issuing 50 000 UZS50 000 UZS for residents; 100 000 UZS for non-residentsnon-residents: 100 000 UZScl. 1.15.1 of the General Tariff
Maintenance 1 USD/mo.1 USD per monthGeneral Tariff: subscription fee
Reissue 50 000 UZS50 000 UZS; non-residents 100 000 UZS (upon expiry, loss or damage)non-residents: 100 000 UZSGeneral tariff; the card page gives the same amount for loss or damage
Withdrawal at own ATMs freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecard page and General Tariff
Withdrawal at other banks’ ATMs 1.5% (min. 1 USD)1,5% of the amount (min. 1 USD) + other bank's feecl. 1.15.7 d; HUMO ATMs at Hamkorbank: 1,5% (min. 1 USD)
Withdrawal abroad 1.5% (min. 1 USD)1,5% of the amount (min. 1 USD) + other bank's feethe tariff does not distinguish between Uzbekistan and abroad: “cashiers or ATMs of other banks”
Top-up freefree: in cash, by transfer within Hamkorbank, from other banks' accounts; via ATMs/cash desks of third-party banks — that bank's feethe card page states a fee of 0,5% (min. 0,5 USD) for transfers from other banks' accounts, the General tariff (clause 1.15.14) — free
Transfer to another bank’s card 1% (min. 2 USD)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freeGeneral tariff cl. 1.15.9: min. 2 USD; card page: min. 1 USD
SMS notifications freeconnecting SMS banking and online purchases is free
Other quasi-cash (checks, foreign currency, electronic wallets, trading accounts): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM 0,5 USD; balance statement 75 000 UZS; investigation of a disputed transaction 230 000 UZSGeneral tariff
Deposit / minimum balance 30 USD30 US dollarscard page and General Tariff
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

USD only. Additionally per the page: Visa Global Customer Assistance, medical advice, Lounge Key, Visa Luxury Hotel.

Source ↗

Visa Virtual virtual

Virtual privileges →

Issuing freefree (in the Hamkor app, no documents needed)cl. 1.11 a of the General Tariff
Maintenance freefreecard page
Top-up freefree in the Hamkor app (online conversion); for transfers from accounts in other banks 0,5% (min. 0,5 USD) per the page; in the General Tariff - freediscrepancy between the page, clause 1.11 and the General tariff
Transfer to another bank’s card 1% (min. 1 USD)to accounts of other Visa cards: 1% (min. 1 USD); to Hamkorbank Visa and UnionPay cards: freecl. 1.11 g, kh
Other payment for goods and services online free; 3-D Secure service free; quasi-cash: 1% (min. 1 USD)cl. 1.11 d, f, zh
Purchase limit 10 000 USD/daydaily card spending limit of 10 000 US dollarscl. 1.11 e of the General Tariff
Deposit / minimum balance freeminimum balance 0 US dollarscl. 1.11 b; card page
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity2 years

The tariff on the page states the currency «Dollars, Euro», the heading says USD; we do not record an EUR card as a separate product, since the page heading names only USD. Validity of virtual cards — no more than 2 years.

Source ↗

Visa in EUR

Visa Classic available to non-residents

Classic privileges →

Issuing freefree (including when ordered via the Hamkor Mobile app); free for non-residentsitem 1.8.1 of the General tariff; card page
Maintenance freefreecard page
Reissue freeupon expiry: free; upon loss/damage: 25 000 UZS (on the card page 50 000 UZS)non-residents: 50 000 UZSdiscrepancy: cl. 1.8.2 - 25 000 UZS for residents, page - 50 000 UZS
Withdrawal at own ATMs freeHamkorbank cash desk (USD) and Hamkorbank Uzcard ATMs (UZS): freecl. 1.8.6 a, b
Withdrawal at other banks’ ATMs 2% (min. 2 EUR)2% of the amount (min. 2 USD) + the other bank's feeitem 1.8.6 d; HUMO ATMs in Hamkorbank: 2% (min. 2 USD)
Withdrawal abroad 2% (min. 2 EUR)2% of the amount (min. 2 USD) + the other bank's feethe tariff does not distinguish between Uzbekistan and abroad: «cashiers or ATMs of other banks»; there is no separate line for foreign ATMs
Top-up freefree: cash, transfer within Hamkorbank, transfer from accounts in other banks; via third-party banks' ATMs/cashier desks - that bank's feecl. 1.8.3, 1.8.13
Transfer to another bank’s card 1% (min. 2 EUR)to Visa cards of other banks (Visa Direct / Visa+): 1% (min. 2 USD); to Hamkorbank Visa or UnionPay cards: freecl. 1.8.8; minimum 1 USD on the card page
SMS notifications freeconnecting SMS banking and online purchases is freecl. 1.8.10
Other payment for checks, foreign currency, e-wallets, trading accounts (quasi-cash): 1% (min. 1 USD); payment at Humo/Uzcard terminals in Uzbekistan: 0%; balance inquiry via ATM: 0,5 USD; written statement of balances 75 000 UZS; disputed transaction investigation 230 000 UZSclauses 1.8.5, 1.8.7, 1.8.11, 1.8.12
Deposit / minimum balance free0 EUR (residents); non-residents 10 USD; Visa Exchange PayWave 5 USDnon-residents: 10 USDclause 1.8.4; card page: minimum balance 0 USD
Interest on balance free0%General tariff cl. 1.6: no interest is accrued on the balance of funds on individuals' bank cards
Validity5 years

Website page: card in USD and EUR (one page for both currencies). The tariffs in the document are set in US dollars; there are no separate values for the EUR card. EUR record: amounts in USD (minimum fees) are given as in the tariff.

Source ↗