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Ipoteka Bank cards: fees

Fees as of 22.10.2026More details

Ipoteka Bank: 20 cards — Uzcard, Humo, Visa, 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

Junior Uzcard (KIDS)

Issuing freeUzcard: issuance freecl. 40 of the tariffs: Junior (Uzcard KIDS) - free; extract (children's card): Uzcard - free, Humo - 50 000 UZS
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue freeUzcard: reissue free (on expiry and if lost)excerpt from the children's card tariffs, cl. 3.2-3.3
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Withdrawal limit 1 000 000 UZS/mo.cash withdrawal up to 1 mln UZS per monthrestriction on the child card (card page)
Transfer limit 1 000 000 UZS/mo.transfers from the children's card to other cards and wallets up to 1 mln UZS per month; top-up by transfer to the children's card is unlimited
Other limits restriction of credit operations; restriction of monetary operations on suspicious websites; Uzcard SMS messages go to the parent and the child, Humo SMS messages - to the parent only
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Children's card for children aged 7-16 under the care of a parent/guardian; issued by a parent with a passport and the child's birth certificate. The Uzcard card in the children's product is free. No separate terms for non-residents were found at the bank (neither on the page nor in the tariff PDF): residents/nonresidents are not specified, nonresident in the values = null.

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Moment card

Issuing freefree until 30.11.2026; from 01.12.2026 - 30 000 UZScard page: «Free (until 30.11.2026), then 30 000 UZS»; clause 44 of the general collection: Uzcard Moment - 30 000 UZS (free until 30.11.2026), available only at the Almazar branch; salary/pension cards - free
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue freefree until 30.11.2026; from 01.12.2026 - 30 000 UZScard page: “Reissue - Free, from 01.12.2026 - 30 000 UZS”
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Uzcard Moment - fast-issue card (instant issuance). Page: issuance «at bank offices», in clause 44 of the tariffs - only at the Almazar branch (discrepancy). Free issuance until 30.11.2026, then 30 000 UZS. No separate terms for non-residents were found at the bank (neither on the page nor in the tariff PDF): residents/nonresidents not specified, nonresident = null in the values.

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Student card (Uzcard)

Issuing freeUzcard: issuance freetariff excerpt (student card): Uzcard - free, Humo - 50 000 UZS
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue freeUzcard: reissue free (on expiry and if lost)Excerpt from tariffs, clauses 3.2-3.3
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Student card: only students within the university's payroll/scholarship project; application via the university curator/accountant or at a bank branch; Student ID - only for Uzcard cards. Includes an ATTO travel pass. No separate terms for non-residents were found at the bank (neither on the page nor in the tariff PDF): residents/nonresidents not specified, nonresident = null in the values.

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UZCARD

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZScl. 3.2-3.3 of the excerpt; salary and pension cards - reissue is free (cl. 39, once a year in case of loss)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Uzcard debit card in UZS. The ATTO transport card - only in Uzcard cards. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident of the values = null.

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Humo in UZS

HUMO

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZScl. 3.2-3.3 of the excerpt; salary and pension cards - reissue is free (cl. 39, once a year in case of loss)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo debit card in UZS. No separate conditions for non-residents were found for the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident of the values = null.

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Humo Virtual virtual

Issuing freefreeclause 68 of the general collection: opening Humo Virtual in national currency via the mobile app and corporate website - free
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”

The virtual Humo card is only in the general tariff collection (clause 68), there is no separate card page on the website; validity and limits were not found. Other tariffs (withdrawal, transfers) - per the general Humo tariffs in UZS. No separate terms for non-residents were found at the bank (neither on the page nor in the tariff PDF): residents/nonresidents are not specified, nonresident in the values = null.

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Humo-Visa

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeexcerpt from the co-badge card tariffs, cl. 4
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZSexcerpt cl. 3.2-3.3; card renewal in case of a technical failure - free (card page)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 6.1/6.3 of the excerpt for co-badged cards and cl. 11 of the general collection; cl. 16 states 3.5% for "international cards" at Ipoteka-bank ATMs - judging by the excerpt, it does not apply to co-badged cards
Withdrawal at other banks’ ATMs 2%2% + other bank's feecl. 17 of the general collection: Humo-Mastercard and Humo-Visa at ATMs and terminals of other banks — 2% + payment systems fee; in the excerpt for co-badge cards (cl. 6.2) — “per the tariff of the other bank” (discrepancy)
Withdrawal abroad 2%2% + other bank's feeclause 17 of the general collection («ATMs and terminals of other banks»); there is no separate line for foreign ATMs for co-badge cards
Top-up 1%in cash at an ATM or cashier of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the app: free; by account details: 0.5%; deposit of foreign currency: freecl. 5.1-5.9 of the extract; depositing foreign currency onto the bank's international card - free (cl. 49 and the card page)
Transfer to another bank’s card 0.75%to an Ipoteka Bank card in the Ipoteka Retail app: free; to a card of another bank: 0,75%cl. 7.1-7.2 of the extract; promotion 18.09.2026-31.10.2026: up to 10 mln UZS per month - 0% (cl. 64-67, 74)
Conversion conversion at the bank's rate for payments in different currenciescard page; the bank does not specify the markup
SMS notifications freefreecard page: “SMS notifications: free”; in the extract (cl. 8) - “per the payment system tariff”
Other transaction refusal (Chargeback): 0,7 BCVcard page: Chargeback - 10 US dollars; cl. 51 of the general collection: 0,7 BCV (discrepancy); we do not calculate the amount in UZS, since the bank does not state the BCV value
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo + Visa co-badge: one card, recorded as a separate entry for each system (humo and visa); co-badge with Visa. The Humo part operates on the UZS account; tariffs are the same as for the visa UZS entry (the same card). Issued only at bank offices. The tariffs excerpt (PDF «Co-badge cards») is common to Humo-Visa/Humo-Mastercard, currency UZS and USD. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

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Junior Humo

Issuing 50 000 UZSHumo: issuance 50 000 UZStariff clause 41: Junior (Humo Junior) — 50 000 UZS; free for children of small and micro business employees in the payroll project of Ipoteka-bank
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue 50 000 UZSHumo: reissue 50 000 UZS (on expiry and if lost)excerpt from the children's card tariffs, cl. 3.2-3.3
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Withdrawal limit 1 000 000 UZS/mo.cash withdrawal up to 1 mln UZS per monthrestriction on the child card (card page)
Transfer limit 1 000 000 UZS/mo.transfers from the children's card to other cards and wallets up to 1 mln UZS per month; top-up by transfer to the children's card is unlimited
Other limits restriction of credit operations; restriction of monetary operations on suspicious websites; Uzcard SMS messages go to the parent and the child, Humo SMS messages - to the parent only
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo children's card (7-16 years), the same page as Junior Uzcard. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident of the values = null.

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Student card (Humo)

Issuing 50 000 UZSHumo: issuance 50 000 UZSexcerpt from the tariffs (student card): Humo - 50 000 UZS
Maintenance freefreeUzcard/Humo card account maintenance is free (tariff excerpt, cl. 4)
Reissue 50 000 UZSHumo: reissue 50 000 UZS (on expiry and if lost)Excerpt from tariffs, clauses 3.2-3.3
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 11 and 69 of the general collection, cl. 6.1/6.3 of the extract; 0,5% for heads of small and micro businesses (legal entities and sole proprietors) connected to the payroll project from 02.01.2026
Withdrawal at other banks’ ATMs per the other bank's tariffexcerpt from the tariffs, item 6.2: the fee is determined by the bank that owns the ATM, Ipoteka-bank does not specify its own markup
Top-up 1%cash at an ATM or cash desk of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the Ipoteka Retail app: free; from an e-wallet: free; by account details: 0,5%; from a demand deposit via the app: 1,5%items 5.1-5.9 of the excerpt; items 8-9 and 50 of the general collection; top-up at ATMs/cash desks of other banks - at the other bank’s tariff
Transfer to another bank’s card 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75%cl. 7.1-7.2 of the extract; promotion in the mobile app 18.09.2026-31.10.2026: transfers between Uzcard/Humo cards up to 10 mln UZS per month - 0% (cl. 64-67, 74)
SMS notifications freefreecard page: «SMS - free»; the extract from the tariffs (cl. 8) states «per the payment system tariff»
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Student card: only for students within the university payroll/scholarship project; application via the university curator/accountant or at a bank branch; Student ID - for Uzcard cards only. The page conditions list only the Uzcard type, but Humo is also present in the «Card types» block and in the tariffs. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

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Visa in UZS

Humo-Visa

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeexcerpt from the co-badge card tariffs, cl. 4
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZSexcerpt cl. 3.2-3.3; card renewal in case of a technical failure - free (card page)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 6.1/6.3 of the excerpt for co-badged cards and cl. 11 of the general collection; cl. 16 states 3.5% for "international cards" at Ipoteka-bank ATMs - judging by the excerpt, it does not apply to co-badged cards
Withdrawal at other banks’ ATMs 2%2% + other bank's feecl. 17 of the general collection: Humo-Mastercard and Humo-Visa at ATMs and terminals of other banks — 2% + payment systems fee; in the excerpt for co-badge cards (cl. 6.2) — “per the tariff of the other bank” (discrepancy)
Withdrawal abroad 2%2% + other bank's feeclause 17 of the general collection («ATMs and terminals of other banks»); there is no separate line for foreign ATMs for co-badge cards
Top-up 1%in cash at an ATM or cashier of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the app: free; by account details: 0.5%; deposit of foreign currency: freecl. 5.1-5.9 of the extract; depositing foreign currency onto the bank's international card - free (cl. 49 and the card page)
Transfer to another bank’s card 0.75%to an Ipoteka Bank card in the Ipoteka Retail app: free; to a card of another bank: 0,75%cl. 7.1-7.2 of the extract; promotion 18.09.2026-31.10.2026: up to 10 mln UZS per month - 0% (cl. 64-67, 74)
Conversion conversion at the bank's rate for payments in different currenciescard page; the bank does not specify the markup
SMS notifications freefreecard page: “SMS notifications: free”; in the extract (cl. 8) - “per the payment system tariff”
Other transaction refusal (Chargeback): 0,7 BCVcard page: Chargeback - 10 US dollars; cl. 51 of the general collection: 0,7 BCV (discrepancy); we do not calculate the amount in UZS, since the bank does not state the BCV value
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo + Visa co-badge: works as Humo inside the country and as Visa abroad; co-badge with Humo (recorded as separate entries for each system). Card page: «Currency: UZS / USD», «Currency type: Sum / US dollar» - one product with two currency accounts, a separate visa entry for each currency (UZS and USD). Issued only at bank offices. The tariffs excerpt (PDF «Co-badge cards») is common to UZS/USD. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

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Visa in USD

Humo-Visa

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeexcerpt from the co-badge card tariffs, cl. 4
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZSexcerpt cl. 3.2-3.3; card renewal in case of a technical failure - free (card page)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 6.1/6.3 of the excerpt for co-badged cards and cl. 11 of the general collection; cl. 16 states 3.5% for "international cards" at Ipoteka-bank ATMs - judging by the excerpt, it does not apply to co-badged cards
Withdrawal at other banks’ ATMs 2%2% + other bank's feecl. 17 of the general collection: Humo-Mastercard and Humo-Visa at ATMs and terminals of other banks — 2% + payment systems fee; in the excerpt for co-badge cards (cl. 6.2) — “per the tariff of the other bank” (discrepancy)
Withdrawal abroad 2%2% + other bank's feeclause 17 of the general collection («ATMs and terminals of other banks»); there is no separate line for foreign ATMs for co-badge cards
Top-up 1%in cash at an ATM or cashier of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the app: free; by account details: 0.5%; deposit of foreign currency: freecl. 5.1-5.9 of the extract; depositing foreign currency onto the bank's international card - free (cl. 49 and the card page)
Transfer to another bank’s card 0.75%to an Ipoteka Bank card in the Ipoteka Retail app: free; to a card of another bank: 0,75%cl. 7.1-7.2 of the extract; promotion 18.09.2026-31.10.2026: up to 10 mln UZS per month - 0% (cl. 64-67, 74)
Conversion conversion at the bank's rate for payments in different currenciescard page; the bank does not specify the markup
SMS notifications freefreecard page: “SMS notifications: free”; in the extract (cl. 8) - “per the payment system tariff”
Other transaction refusal (Chargeback): 0,7 BCVcard page: Chargeback - 10 US dollars; cl. 51 of the general collection: 0,7 BCV (discrepancy); we do not calculate the amount in UZS, since the bank does not state the BCV value
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo + Visa co-badge: co-badge with Humo (recorded as separate entries for each system; the Humo part works only on the UZS account, there is no separate humo USD entry). Currency (USD) account of the co-badge card: card page - «Currency: UZS / USD», «Currency type: Sum / US dollar»; the separate visa UZS entry is for the UZS account. Issued only at bank offices. The tariffs excerpt (PDF «Co-badge cards») is common to UZS/USD. Tariffs in UZS and % are the same as for the visa UZS entry; maintenance and minimum deposit - 0 USD. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Visa Classic

Classic privileges →

Issuing 50 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance freefreeexcerpt from the tariffs for foreign currency cards, item 4
Reissue 50 000 UZSissuance/reissue: 50 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Visa Direct from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card» excerpt (PDF) and the general collection dated 15.10.2026. Currencies per the bank text: card page - «Currency: USD» (heading) and «Currency type: Dollar/Euro», product passport - «Currency type: Dollar/Euro», «Currency card» excerpt - «Currency USD/EUR»; the card is issued in USD and EUR, a separate entry for each currency (tariffs in UZS and % are the same, maintenance/top-up/SMS/deposit - 0 in the card currency). No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Visa Gold

Gold privileges →

Issuing 80 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance freefreeexcerpt from the tariffs for foreign currency cards, item 4
Reissue 80 000 UZSissuance/reissue: 80 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Visa Direct from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card» excerpt (PDF) and the general collection dated 15.10.2026. Currencies per the bank text: card page - «Currency: USD» (heading) and «Currency type: Dollar/Euro», product passport - «Currency type: Dollar/Euro», «Currency card» excerpt - «Currency USD/EUR»; the card is issued in USD and EUR, a separate entry for each currency (tariffs in UZS and % are the same, maintenance/top-up/SMS/deposit - 0 in the card currency). Privileges and partner discounts when the conditions are met. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Visa Platinum

Platinum privileges →

Issuing 100 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance 1 USD/mo.free for the first year after issuance; from the second year - 1 USD per monthitems 4.1-4.2 of the premium excerpt; item 48 of the general compilation
Reissue 100 000 UZSissuance/reissue: 100 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Visa Direct from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card»/«Premium card» excerpt (PDF) and the general collection dated 15.10.2026. In the excerpt the currency is given as USD/EUR for the Visa and Mastercard pair; the card page declares one currency (that one is used here). Premium privileges (Anjir business lounge, DragonPass, Fast Track, luggage wrapping - 2 times per year for purchases from 2 000 000 UZS within 35 days), partner discounts, Booking.com cashback up to 4% (partner promotion, not base cashback). No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Visa in EUR

Visa Classic

Classic privileges →

Issuing 50 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance freefreeexcerpt from the tariffs for foreign currency cards, item 4
Reissue 50 000 UZSissuance/reissue: 50 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Visa Direct from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card» excerpt (PDF) and the general collection dated 15.10.2026. Currencies per the bank text: card page - «Currency: USD» (heading) and «Currency type: Dollar/Euro», product passport - «Currency type: Dollar/Euro», «Currency card» excerpt - «Currency USD/EUR»; the card is issued in USD and EUR, a separate entry for each currency (tariffs in UZS and % are the same, maintenance/top-up/SMS/deposit - 0 in the card currency). No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Visa Gold

Gold privileges →

Issuing 80 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance freefreeexcerpt from the tariffs for foreign currency cards, item 4
Reissue 80 000 UZSissuance/reissue: 80 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Visa Direct from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card» excerpt (PDF) and the general collection dated 15.10.2026. Currencies per the bank text: card page - «Currency: USD» (heading) and «Currency type: Dollar/Euro», product passport - «Currency type: Dollar/Euro», «Currency card» excerpt - «Currency USD/EUR»; the card is issued in USD and EUR, a separate entry for each currency (tariffs in UZS and % are the same, maintenance/top-up/SMS/deposit - 0 in the card currency). Privileges and partner discounts when the conditions are met. No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Mastercard in UZS

Humo-Mastercard

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeexcerpt from the co-badge card tariffs, cl. 4
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZSexcerpt cl. 3.2-3.3; card renewal in case of a technical failure - free (card page)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 6.1/6.3 of the excerpt for co-badged cards and cl. 11 of the general collection; cl. 16 states 3.5% for "international cards" at Ipoteka-bank ATMs - judging by the excerpt, it does not apply to co-badged cards
Withdrawal at other banks’ ATMs 2%2% + other bank's feecl. 17 of the general collection: Humo-Mastercard and Humo-Visa at ATMs and terminals of other banks — 2% + payment systems fee; in the excerpt for co-badge cards (cl. 6.2) — “per the tariff of the other bank” (discrepancy)
Withdrawal abroad 2%2% + other bank's feeclause 17 of the general collection («ATMs and terminals of other banks»); there is no separate line for foreign ATMs for co-badge cards
Top-up 1%in cash at an ATM or cashier of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the app: free; by account details: 0.5%; deposit of foreign currency: freecl. 5.1-5.9 of the extract; depositing foreign currency onto the bank's international card - free (cl. 49 and the card page)
Transfer to another bank’s card 0.75%to an Ipoteka Bank card in the Ipoteka Retail app: free; to a card of another bank: 0,75%cl. 7.1-7.2 of the extract; promotion 18.09.2026-31.10.2026: up to 10 mln UZS per month - 0% (cl. 64-67, 74)
Conversion conversion at the bank's rate for payments in different currenciescard page; the bank does not specify the markup
SMS notifications freefreecard page: “SMS notifications: free”; in the extract (cl. 8) - “per the payment system tariff”
Other transaction refusal (Chargeback): 0,7 BCVcard page: Chargeback - 10 US dollars; cl. 51 of the general collection: 0,7 BCV (discrepancy); we do not calculate the amount in UZS, since the bank does not state the BCV value
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo + Mastercard co-badge card: works as Humo inside the country and as Mastercard abroad; one product with two currency accounts (UZS and USD), a separate entry for each currency. Issued only at bank offices. The tariff excerpt (co-badge PDF) is common for UZS/USD. No separate terms for non-residents were found at the bank (neither on the page nor in the tariff PDF): residents/nonresidents not specified, nonresident = null in the values.

Source ↗

Mastercard in USD

Humo-Mastercard

Issuing 50 000 UZSissuance 50 000 UZSfree for payroll, pension and scholarship projects (clauses 38-39), for depositors with a term deposit of 3 months or more in the amount of 10 mln UZS or 1000 USD or more (clause 42), for clients who received international transfers of 500 USD or more through the bank's digital channels (clause 43), when issued through card kiosks, ATMs, the website or the app (clause 71)
Maintenance freefreeexcerpt from the co-badge card tariffs, cl. 4
Reissue 50 000 UZSupon expiry: 50 000 UZS; upon loss or failure: 50 000 UZSexcerpt cl. 3.2-3.3; card renewal in case of a technical failure - free (card page)
Withdrawal at own ATMs 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1%cl. 6.1/6.3 of the excerpt for co-badged cards and cl. 11 of the general collection; cl. 16 states 3.5% for "international cards" at Ipoteka-bank ATMs - judging by the excerpt, it does not apply to co-badged cards
Withdrawal at other banks’ ATMs 2%2% + other bank's feecl. 17 of the general collection: Humo-Mastercard and Humo-Visa at ATMs and terminals of other banks — 2% + payment systems fee; in the excerpt for co-badge cards (cl. 6.2) — “per the tariff of the other bank” (discrepancy)
Withdrawal abroad 2%2% + other bank's feeclause 17 of the general collection («ATMs and terminals of other banks»); there is no separate line for foreign ATMs for co-badge cards
Top-up 1%in cash at an ATM or cashier of Ipoteka-bank: 1%; by transfer from cards of Ipoteka-bank and other banks in the app: free; by account details: 0.5%; deposit of foreign currency: freecl. 5.1-5.9 of the extract; depositing foreign currency onto the bank's international card - free (cl. 49 and the card page)
Transfer to another bank’s card 0.75%to an Ipoteka Bank card in the Ipoteka Retail app: free; to a card of another bank: 0,75%cl. 7.1-7.2 of the extract; promotion 18.09.2026-31.10.2026: up to 10 mln UZS per month - 0% (cl. 64-67, 74)
Conversion conversion at the bank's rate for payments in different currenciescard page; the bank does not specify the markup
SMS notifications freefreecard page: “SMS notifications: free”; in the extract (cl. 8) - “per the payment system tariff”
Other transaction refusal (Chargeback): 0,7 BCVcard page: Chargeback - 10 US dollars; cl. 51 of the general collection: 0,7 BCV (discrepancy); we do not calculate the amount in UZS, since the bank does not state the BCV value
Deposit / minimum balance freeNo deposit requiredcard page: “Deposit - No”
Validity5 years

Humo + Mastercard co-badge card: works as Humo inside the country and as Mastercard abroad; one product with two currency accounts (UZS and USD), a separate entry for each currency. Issued only at bank offices. The tariff excerpt (co-badge PDF) is common for UZS/USD. No separate terms for non-residents were found at the bank (neither on the page nor in the tariff PDF): residents/nonresidents not specified, nonresident = null in the values.

Source ↗

Mastercard in EUR

Mastercard Gold

Gold privileges →

Issuing 80 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance freefreeexcerpt from the tariffs for foreign currency cards, item 4
Reissue 80 000 UZSissuance/reissue: 80 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Mastercard Send from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card»/«Premium card» excerpt (PDF) and the general collection dated 15.10.2026. In the excerpt the currency is given as USD/EUR for the Visa and Mastercard pair; the card page declares one currency (that one is used here). The page states the currency EUR; partner discounts, cashback up to 4% at Booking.com (partner promotion). No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

Source ↗

Mastercard Standard

Standard privileges →

Issuing 50 000 UZSfree for customers who received international transfers of 500 USD or more through the bank's digital channels (only Visa Classic / Mastercard Standard) and when issued via cardomats, ATMs, the website, the app (except premium); one-time free issuance/reissue of Visa Classic/Gold and Mastercard Standard/Gold for managers of small and micro businesses in the payroll project from 02.01.2026 (clauses 43, 45, 71)
Maintenance freefreeexcerpt from the tariffs for foreign currency cards, item 4
Reissue 50 000 UZSissuance/reissue: 50 000 UZScl. 45 of the general collection: a single price for opening and reissue (upon expiry, loss, or failure); reissue of Visa with BIN 42421500 - free if the card is valid (cl. 46)
Withdrawal at own ATMs 3.5%Ipoteka Bank ATM: 3,5% (2% bank fee + 1,5% payment systems); Ipoteka Bank cash desk: 0,5%excerpt and clause 16 of the general collection; cash desk - 0,5%, except cards with BIN 42421500 and withdrawals for placement into a term/savings deposit for over 30 days (free, clause 14). The card page states otherwise (Visa Classic/Gold: free at Ipoteka-bank ATMs; Mastercard: withdrawal 2%) - the PDF tariffs were used
Withdrawal at other banks’ ATMs 2%2% + other bank's feeitems 6.2, 6.5 of the excerpt; item 17 of the general collection
Withdrawal abroad 2%2% + other bank's feeitems 6.3, 6.6 of the excerpt; item 17 of the general collection
Top-up freeIpoteka Bank cash desk: free; Ipoteka Bank ATM: unavailable; transfer from Ipoteka Bank cards in the app: free at the bank's rate; by account details: free; Mastercard Send from Uzbekistan and abroad: free; deposit of foreign currency: freeitems 5.1-5.11 of the excerpt; item 49 of the general collection. At ATMs and cash desks of other banks and abroad - at the other bank’s tariff
Conversion at the payment systems' rate when paying in another currency; purchases and payments: freecard page and cl. 7 of the excerpt; at terminals of other banks the Visa Classic and Mastercard pages state 1% - a discrepancy with the excerpt (purchases free) and cl. 18 of the general collection
SMS notifications freefreeSMS alerts and 3D Secure free
Other Chargeback: 0,7 BCV; SWIFT transfers: OUR 0,4% (min. 500 000, max. 1 000 000 UZS), SHA 500 000 UZS, BEN 500 000 UZScl. 10-11 of the extract, cl. 51 and 53 of the general collection; the bank does not state the BCV amount, not converted into soums
Deposit / minimum balance freeno minimum depositcl. 8 of the extract for currency cards; card page: «Deposit - No»
Validity5 years

Tariffs are taken from the «Currency card»/«Premium card» excerpt (PDF) and the general collection dated 15.10.2026. In the excerpt the currency is given as USD/EUR for the Visa and Mastercard pair; the card page declares one currency (that one is used here). The page states the currency EUR; partner discounts, cashback up to 4% at Booking.com (partner promotion). No separate conditions for non-residents were found at the bank (neither on the page nor in the tariffs PDF): residents/nonresidents are not specified, nonresident for the values = null.

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