Hayot Bank cards: fees
Fees as of 22.10.2026More details
Hayot Bank: 4 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
UZCARD DUO
| Issuing | 50 000 UZSgeneral procedure: 50 000 UZS; for salary projects: freetariff page: general issuance procedure for UZCARD DUO 50 000 UZS; virtual card and salary projects — free |
|---|---|
| Maintenance | freefreetariff page: Fee-free |
| Reissue | freeupon expiry (in the month of expiry and within a month after): free; in case of loss/damage or early: 50 000 UZS incl. VATtariff page |
| Withdrawal at own ATMs | ATM: per the servicing bank's tariffs; Hayot Bank cash desk: 0,7% of the amountno separate tariff is specified at the bank's own ATM; withdrawal of own cash, salary and financing funds at the Hayot Bank cashier — free |
| Withdrawal at other banks’ ATMs | ATM: according to the tariffs of the servicing bank; Hayot Bank cashier for cards of other banks of Uzbekistan: 1%the numeric rate for ATMs of other banks is not specified; 1% — withdrawal at a Hayot Bank cash desk with cards of other banks of Uzbekistan |
| Top-up | freeHayot Bank cash desk: free; ATM: per the servicing bank's tariffstop-up at bank cash desks without fee |
| Other | transfer from the card account to accounts at Hayot Bank: free; to accounts at other banks in UZS: 0,5% (for loan repayment - the service is not provided); certificate/statement: 30 000 UZS incl. VAT; card blocking/unblocking and closing: freetariff page, expanded UZCARD DUO block |
| Interest on balance | freeno interest on the card balance is accruedcl. 3.7 of the agreement on maintenance of cards in national currency (24.07.2023) |
| Validity | 5 years |
Limits, insurance deposit, cashback are not specified on the website. The data of the card page (Tarif tab) and the general tariff page (updated 01.04.2025) are consistent. The bank does not publish separate tariffs for non-residents; there are no resident/non-resident differences in the tariffs.
UZCARD DUO Virtual virtual
| Issuing | freefreeUZCARD DUO virtual card: issuance without fee (tariff page, Cards section) |
|---|---|
| Maintenance | freefreetariff page: Fee-free |
| Reissue | freeupon expiry (in the month of expiry and within a month after): free; in case of loss/damage or early: 50 000 UZS incl. VATtariff page |
| Withdrawal at own ATMs | ATM: per the servicing bank's tariffs; Hayot Bank cash desk: 0,7% of the amountno separate tariff is specified at the bank's own ATM; withdrawal of own cash, salary and financing funds at the Hayot Bank cashier — free |
| Withdrawal at other banks’ ATMs | ATM: according to the tariffs of the servicing bank; Hayot Bank cashier for cards of other banks of Uzbekistan: 1%the numeric rate for ATMs of other banks is not specified; 1% — withdrawal at a Hayot Bank cash desk with cards of other banks of Uzbekistan |
| Top-up | freeHayot Bank cash desk: free; ATM: per the servicing bank's tariffstop-up at bank cash desks without fee |
| Other | transfer from the card account to accounts at Hayot Bank: free; to accounts at other banks in UZS: 0,5% (for loan repayment - the service is not provided); certificate/statement: 30 000 UZS incl. VAT; card blocking/unblocking and closing: freetariff page, expanded UZCARD DUO block |
| Interest on balance | freeno interest on the card balance is accruedcl. 3.7 of the agreement on maintenance of cards in national currency (24.07.2023) |
| Validity | 5 years |
Limits, insurance deposit, cashback are not specified on the website. The data of the card page (Tarif tab) and the general tariff page (updated 01.04.2025) are consistent. The bank does not publish separate tariffs for non-residents; there are no resident/non-resident differences in the tariffs.
UZCARD-Mastercard co-badge
| Issuing | 50 000 UZStariff page: 50 000 UZS. On the card page: free when topping up the account by at least 50 000 UZS, but only until 01.07.2025 (the promotion has expired) |
|---|---|
| Maintenance | freefreetariff page: Komissiyalarsiz |
| Reissue | freeupon expiry (in the month of expiry and during the month after): free; in case of loss/damage or early: 50 000 UZS (on the card page — incl. VAT)VAT is not mentioned on the tariff page, the card page says “QQS bilan” |
| Withdrawal at own ATMs | Hayot Bank cash desk: 0,7% of the amount; own bank ATM: not specifiedno tariff has been published for a Hayot Bank ATM; 0,7% — cash withdrawal at a bank cashier |
| Withdrawal abroad | 2.5%ATM (by context — abroad): 2,5% of the amount + foreign bank fee; Saudi Arabia: freethe line Bankomatlardan naqd pulni yechib olish without specifying the territory; the note about a foreign bank's fee and the neighboring line about Saudi Arabia point to foreign ATMs |
| Top-up | freecash and non-cash top-up: freetariff page: card account top-up by cash and non-cash without fee |
| Conversion | 0.5%payment at terminals and ATMs of foreign banks (incl. online purchases): 0,5% of the amountconversion of UZS into the payment currency at the Mastercard rate on the transaction date (cl. 3.13 of the agreement); the exchange rate difference cannot be disputed; 0,5% — fee for transactions at terminals/ATMs of foreign banks |
| Other | Saudi Arabia: maintenance and cash withdrawal at ATMs are free; transfer to accounts of individuals/legal entities upon client request: 0.5%; blocking/unblocking: free; payment via Munis at the cashier: free; transaction dispute — First Chargeback 250 000 UZS, Arbitrage 10 000 000 UZStariff page, expanded co-branded card block |
| Validity | 5 years |
Co-badge with Mastercard (one physical card, two payment systems; the Mastercard entry is separate, same tariffs). UZS card (one account in the national currency), works in the Uzcard and Mastercard systems; 200 countries under the contract, 210 on the card page. Limits, security deposit, cashback, interest on balance are not explicitly stated. The bank does not publish separate tariffs for non-residents; there are no resident/non-resident differences in the tariffs.
Mastercard in UZS
UZCARD-Mastercard co-badge
| Issuing | 50 000 UZStariff page: 50 000 UZS. On the card page: free when topping up the account by at least 50 000 UZS, but only until 01.07.2025 (the promotion has expired) |
|---|---|
| Maintenance | freefreetariff page: Komissiyalarsiz |
| Reissue | freeupon expiry (in the month of expiry and during the month after): free; in case of loss/damage or early: 50 000 UZS (on the card page — incl. VAT)VAT is not mentioned on the tariff page, the card page says “QQS bilan” |
| Withdrawal at own ATMs | Hayot Bank cash desk: 0,7% of the amount; own bank ATM: not specifiedno tariff has been published for a Hayot Bank ATM; 0,7% — cash withdrawal at a bank cashier |
| Withdrawal abroad | 2.5%ATM (by context — abroad): 2,5% of the amount + foreign bank fee; Saudi Arabia: freethe line Bankomatlardan naqd pulni yechib olish without specifying the territory; the note about a foreign bank's fee and the neighboring line about Saudi Arabia point to foreign ATMs |
| Top-up | freecash and non-cash top-up: freetariff page: card account top-up by cash and non-cash without fee |
| Conversion | 0.5%payment at terminals and ATMs of foreign banks (incl. online purchases): 0,5% of the amountconversion of UZS into the payment currency at the Mastercard rate on the transaction date (cl. 3.13 of the agreement); the exchange rate difference cannot be disputed; 0,5% — fee for transactions at terminals/ATMs of foreign banks |
| Other | Saudi Arabia: maintenance and cash withdrawal at ATMs are free; transfer to accounts of individuals/legal entities upon client request: 0.5%; blocking/unblocking: free; payment via Munis at the cashier: free; transaction dispute — First Chargeback 250 000 UZS, Arbitrage 10 000 000 UZStariff page, expanded co-branded card block |
| Validity | 5 years |
Co-badge with Uzcard (one physical card, two payment systems; the Mastercard entry is separate, the tariffs are the same). A card in UZS (one account in the national currency), works in the Uzcard and Mastercard systems; 200 countries per the agreement, 210 on the card page. Limits, insurance deposit, cashback, interest on balance are not stated explicitly. The bank does not publish separate tariffs for non-residents; there is no resident/non-resident difference in the tariffs. Currency UZS: an account in the national currency (agreement «milliy valyutadagi bank kartalariga», tariffs in UZS); the Mastercard currency is not named separately on the site.