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Xalq Bank cards: fees

Fees as of 22.10.2026More details

Xalq Bank: 23 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

Uzcard (EMV)

Issuing 30 000 UZS30 000 UZS; salary project cards (salary, pension, allowance, alimony, scholarship) — freetariff section 4 clauses 2.1, 2.2. Card page: the first card is free, additional card and reissue 30 000 UZS; the Uzcard page also states «25.000 so‘m» (inconsistency within the page). No more than 5 cards in soums per client at the bank and no more than 20 across all banks of Uzbekistan (offer clauses 5.2, 5.3)
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 30 000 UZS; replacing Uzcard with Humo and vice versa upon expiry: freetariff section 4, clauses 3.1, 3.3, 3.5
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.5%Uzcard -> Uzcard of another bank: 0,5%; Humo -> Humo: 0,25%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Validity5 years

Card page: validity 5 years, 4-digit PIN, card-to-card transfer available, the application is reviewed within 3 banking days. The security deposit is not mentioned on the page or in the tariff.

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Uzcard Moment (instant card)

Issuing 15 000 UZStariff section 4 cl. 2.6; the fee is debited from the card account automatically (offer cl. 5.24); the card is made in advance and activated after identification
Reissue not stated separately; general terms for reissuing Uzcard cards — section 4 cl. 3
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.5%Uzcard -> Uzcard of another bank: 0,5%; Humo -> Humo: 0,25%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1

Instant (anonymous, prepaid) card, sold at bank offices and through payment agents (offer cl. 5.16). No separate product page was found.

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Uzcard Pensiya (Pensiya Overdraft)

Issuing freefree for pensioners (first card)card page: “Opening a plastic card in UZS for pensioners — Free”; in case of wear or loss — 30 000 UZS under the general tariff (section 4, cl. 3.3)
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 30 000 UZS; replacing Uzcard with Humo and vice versa upon expiry: freetariff section 4, clauses 3.1, 3.3, 3.5
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.5%Uzcard -> Uzcard of another bank: 0,5%; Humo -> Humo: 0,25%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other pension overdraft: term up to 1 year, limit no more than 2 pensions and no more than 10 BCV, grace period 8 months, 16% per year; for citizens of Uzbekistan receiving a pension on a Xalq banki card; turnover monitoring in Xazna: 2 500 UZS per monthtariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Deposit / minimum balance freeno insurance depositcard page: «Sug‘urta depoziti: Mavjud emas»
Validity5 years

Uzcard pension card with overdraft option. Term 5 years. The rate of 16% per annum refers to the credit (overdraft), not to interest on balance.

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Uzcard virtual virtual

Issuing freefreeTariff section 4 item 2.5
Reissue freevirtual card reissue: freetariff section 4, cl. 3.6
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.5%Uzcard -> Uzcard of another bank: 0,5%; Humo -> Humo: 0,25%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1

The virtual card is issued in the Xazna app. No separate product page was found on xb.uz, the data is taken from the tariff.

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Uzcard-MasterCard co-badge

Issuing 45 000 UZS45 000 UZS; payroll project cards — freetariff section 4 cl. 2.1, 2.3 (co-badge cards); the co-badge card pages state 45 000 UZS
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 45 000 UZStariff section 4, cl. 3.2, 3.4
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.5%Uzcard -> Uzcard of another bank: 0,5%; Humo -> Humo: 0,25%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Validity5 years

Uzcard and Mastercard co-badge: topped up in the national currency, settlements in Uzbekistan are in UZS, abroad in the currency of the country; page: up to 170 countries. Term 5 years. The security deposit is not stated on the page.

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Uzcard-UnionPay co-badge

Issuing 45 000 UZS45 000 UZS; payroll project cards — freetariff section 4 cl. 2.1, 2.3 (co-badge cards); the co-badge card pages state 45 000 UZS
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 45 000 UZStariff section 4, cl. 3.2, 3.4
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.5%Uzcard -> Uzcard of another bank: 0,5%; Humo -> Humo: 0,25%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Deposit / minimum balance freeno insurance depositcard page: «Sug‘urta depoziti: Mavjud emas»
Validity5 years

Co-badge Uzcard and UnionPay: works in Uzbekistan and in more than 180 countries. Term 5 years. Withdrawal tariffs abroad for this card are not separated in the tariff.

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Humo in UZS

Humo

Issuing 30 000 UZS30 000 UZS; salary project cards (salary, pension, allowance, alimony, scholarship) — freetariff section 4 clauses 2.1, 2.2. Card page: the first card is free, additional card and reissue 30 000 UZS; the Uzcard page also states «25.000 so‘m» (inconsistency within the page). No more than 5 cards in soums per client at the bank and no more than 20 across all banks of Uzbekistan (offer clauses 5.2, 5.3)
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 30 000 UZS; replacing Uzcard with Humo and vice versa upon expiry: freetariff section 4, clauses 3.1, 3.3, 3.5
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.25%Humo -> Humo of another bank: 0,25%; Uzcard -> Uzcard: 0,5%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Deposit / minimum balance freeno insurance depositHumo page: «Sug‘urta depoziti: Mavjud emas»
Validity5 years

Card page: term 5 years, NFC (contactless payment), 4-digit PIN, card-to-card transfer available; the application is reviewed within 3 banking days.

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Humo Pensiya (Pensiya Overdraft)

Issuing freefree for pensioners (first card)card page: “Opening a plastic card in UZS for pensioners — Free”; in case of wear or loss — 30 000 UZS under the general tariff (section 4, cl. 3.3)
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 30 000 UZS; replacing Uzcard with Humo and vice versa upon expiry: freetariff section 4, clauses 3.1, 3.3, 3.5
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.25%Humo -> Humo of another bank: 0,25%; Uzcard -> Uzcard: 0,5%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other pension overdraft: term up to 1 year, limit no more than 2 pensions and no more than 10 BCV, grace period 8 months, 16% per year; for citizens of Uzbekistan receiving a pension on a Xalq banki card; turnover monitoring in Xazna: 2 500 UZS per monthtariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Deposit / minimum balance freeno insurance depositcard page: «Sug‘urta depoziti: Mavjud emas»
Validity5 years

Humo pension card (NFC, a virtual card in the app for NFC payments). Term 5 years. The rate of 16% per annum applies to the overdraft.

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Humo virtual virtual

Issuing freefreeTariff section 4 item 2.5
Reissue freevirtual card reissue: freetariff section 4, cl. 3.6
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.25%Humo -> Humo of another bank: 0,25%; Uzcard -> Uzcard: 0,5%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1

The virtual card is issued in the Xazna app. No separate product page was found on xb.uz, the data is taken from the tariff.

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Humo-Visa co-badge

Issuing 45 000 UZS45 000 UZS; payroll project cards — freetariff section 4 cl. 2.1, 2.3 (co-badge cards); the co-badge card pages state 45 000 UZS
Reissue freeupon expiry (in the last month of validity): free; wear or loss: 45 000 UZStariff section 4, cl. 3.2, 3.4
Delivery according to the delivery service rates (when ordered via the Xazna app)tariff section 4 cl. 2.4: “According to the supplier's tariffication”
Withdrawal at own ATMs 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1%tariff section 6 cl. 1.3 (ATM) and section 1 cl. 2.4 (cashier); minimum and maximum not specified
Top-up freein cash to a Xalq banki card at the cashier, ADM and ATM: free; in cash to another bank's card: cashier 2%, ADM and ATM 1%tariff Section 1 cl. 2.1, 2.3; Section 6 cl. 1.2, 1.3
Transfer to another bank’s card 0.25%Humo -> Humo of another bank: 0,25%; Uzcard -> Uzcard: 0,5%; Humo <-> Uzcard: 0,6%; between Xalq banki cards up to 10 mln UZS: free; to e-wallets: freeXazna app; tariff section 6 cl. 2.1.1-2.1.3, 2.1.12, note to cl. 2.1
Other card turnover monitoring in Xazna: 2 500 UZS per month; opening and closing a card account, certificates in Xazna: freetariff section 6 cl. 3.1, 3.2; section 4 cl. 1
Validity3 years

Humo and Visa co-badge: topped up in national currency, converted to US dollars. Validity 3 years, NFC, opened in 3 banking days. The security deposit is not specified on the page.

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Visa in UZS

Visa Baraka (social card)

Issuing freefree per the register of the National Agency for Social Protection; at the client’s request: 40 000 UZS; for teachers: 20 000 UZStariff section 5 cl. 4.3-4.5. Social card for recipients on the register
Maintenance freefreetariff section 5, cl. 4.14
Reissue freeupon expiry: free; damage, loss, etc.: 40 000 UZS (teachers: 20 000 UZS)tariff section 5, cl. 4.6-4.8
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (general clause for Visa cards); cash desk: withdrawal processing is freetariff section 6 cl. 1.3; section 5 cl. 4.9
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 4.10; does not include the owner bank's fee
Withdrawal abroad 1%ATMs and cash desks abroad: 1%, minimum 1 USD (at the Xalq banki rate)tariff section 5 cl. 4.11; the minimum is set in dollars, so it is not extracted into min
Top-up freecard top-up: freetariff section 5, cl. 4.25
Transfer to another bank’s card 1%all transfers involving a Baraka card: 1%tariff section 6, cl. 2.1.11
Conversion operations abroad at the Xalq banki ratetariff section 5, cl. 4.26
SMS notifications freeSMS notifications and 3DS: freetariff section 5, cl. 4.16
Other payments at terminals and e-com in Uzbekistan: free; balance and statement inquiry at an ATM, blocking, early closure: freeTariff section 5 item 4
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 4.12, 4.13

Social card in UZS for recipients on the register of the National Agency for Social Protection. No separate page was found on xb.uz.

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Visa Infinite available to non-residents

Infinite privileges →

Issuing 200 000 UZS200 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 400 000 UZSnon-residents: 400 000 UZStariff section 5, cl. 3.3, 3.4
Maintenance 100 000 UZS/mo.free if the monthly card turnover is at least 10 mln UZS; otherwise 7$ or 100 000 UZS per monthtariff section 5 cl. 3.13; amount contains the fee if the turnover condition is not met
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 200 000 UZStariff section 5, cl. 3.5, 3.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 3.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 3.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 3.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 3.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Transfer to another bank’s card 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 3.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 3
Deposit / minimum balance 2 500 000 UZS180 USD or 2 500 000 UZStariff section 5 cl. 3.11: “180$, 2 500 000 so'm”; for a USD card the value in dollars is taken, for a card in sums - the value in sums; no initial contribution (cl. 3.12)

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.

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Visa Platinum available to non-residents

Platinum privileges →

Issuing 100 000 UZS100 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5, cl. 2.3, 2.4
Maintenance 60 000 UZS/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 2.13; amount contains the fee if the turnover condition is not met
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 2.5, 2.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 2.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 2.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 2.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 2.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Transfer to another bank’s card 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 2.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 2
Deposit / minimum balance 500 000 UZS40 USD or 500 000 UZStariff section 5 cl. 2.11: «40$, 500 000 so'm»; for a USD card the value in dollars is used, for a UZS card - in UZS; no down payment (cl. 2.12)

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.

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Visa in USD

Visa Classic available to non-residents

Classic privileges →

Issuing freeresidents and payroll project: free; non-residents: 120 000 UZSnon-residents: 120 000 UZStariff section 5 cl. 1.3-1.5. The card page (2023 material) states 20 000 UZS for issuance and reissue; in the tariff (August 2026) free for residents
Maintenance freefreetariff section 5, cl. 1.13
Reissue freeupon expiry: free; damage, loss, etc.: 40 000 UZStariff section 5 items 1.6, 1.7; card page: 20 000 UZS
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (general clause for Visa cards); Xalq banki cash desk: withdrawal processing is free; cash desk for a card in currency: freetariff section 6 cl. 1.3; section 5 cl. 1.8; section 1 cl. 2.6. The tariff clauses are not fully consistent
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 1.9; does not include the fee of the owner bank
Withdrawal abroad 1%ATMs and cash desks abroad: 1% (at the Xalq banki rate)tariff section 5, cl. 1.10
Top-up freecash at the Xalq banki cash desk: free; top-up by converting soums to dollars: at the bank's ratetariff section 1 cl. 2.2; card page: top-up with cash in US dollars or by converting soums
Conversion card in USD; top-up by converting UZS to dollars at the bank's rate; transactions in other currencies at the Xalq banki ratetariff section 5 cl. 1.26; card page (Visa Classic Exchange)
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement request at an ATM: 4 000 UZS; card-to-card transfer is unavailable according to the pagetariff section 5 cl. 1; card page
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5 clauses 1.11, 1.12: «Mavjud emas». The card page states an insurance deposit of 10 USD — a discrepancy, the 2026 tariff takes priority
Validity3 years

Card account in USD. The pages «Visa classic kartasi» and «Visa Classic Exchange kartasi» match in terms: validity 3 years, top-up in cash in dollars or by converting soums; the pages differ from the 2026 tariff in the issuance fee (20 000 UZS) and the deposit (10 USD).

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Visa Infinite available to non-residents

Infinite privileges →

Issuing 200 000 UZS200 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 400 000 UZSnon-residents: 400 000 UZStariff section 5, cl. 3.3, 3.4
Maintenance 7 USD/mo.free if the monthly card turnover is at least 10 mln UZS; otherwise 7$ or 100 000 UZS per monthtariff section 5 cl. 3.13; amount contains the fee if the turnover condition is not met
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 200 000 UZStariff section 5, cl. 3.5, 3.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 3.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 3.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 3.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 3.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 3.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 3
Deposit / minimum balance 180 USD180 USD or 2 500 000 UZStariff section 5 cl. 3.11: “180$, 2 500 000 so'm”; for a USD card the value in dollars is taken, for a card in sums - the value in sums; no initial contribution (cl. 3.12)

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.

Source ↗

Visa Platinum available to non-residents

Platinum privileges →

Issuing 100 000 UZS100 000 UZS (residents and non-resident employees of Xalq banki); non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5, cl. 2.3, 2.4
Maintenance 5 USD/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 2.13; amount contains the fee if the turnover condition is not met
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 2.5, 2.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 2.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 2.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 2.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 2.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 2.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 2
Deposit / minimum balance 40 USD40 USD or 500 000 UZStariff section 5 cl. 2.11: «40$, 500 000 so'm»; for a USD card the value in dollars is used, for a UZS card - in UZS; no down payment (cl. 2.12)

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD or UZS.

Source ↗

Mastercard in UZS

Mastercard Standard available to non-residents

Standard privileges →

Issuing freeXalq banki resident and non-resident employees: free; non-residents: 120 000 UZSnon-residents: 120 000 UZStariff section 5, cl. 5.3, 5.4
Maintenance freefreetariff section 5, cl. 5.13
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 40 000 UZStariff section 5, cl. 5.5, 5.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 5.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 5.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 5.9; excludes the ATM owner bank's fee
Withdrawal abroad 1%ATMs and cash desks abroad: 1%tariff section 5, cl. 5.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Transfer to another bank’s card 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 5.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction verification: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement inquiry at an ATM: 2 000 UZSTariff section 5 item 5
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 5.11, 5.12

No separate product page was found on xb.uz; the terms are from the individuals' tariff (section 5). The site only has the Uzcard-MasterCard co-badge.

Source ↗

Mastercard World Black Edition available to non-residents

World Black Edition privileges →

Issuing 100 000 UZSfree if salary is credited to Xalq banki cards, or with a credit turnover of 20 mln UZS or more over the last month on a Xalq banki card (non-salary), or with an online term deposit at Xalq banki of 30 mln UZS or more; otherwise 100 000 UZS; non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5 cl. 6.3, 6.4; in amount — fee if the conditions for free issuance are not met
Maintenance 60 000 UZS/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 6.13; in amount — fee for failing to meet the turnover condition; 5 USD assumed for a non-UZS card
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 6.5, 6.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 6.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 6.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 6.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 6.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Transfer to another bank’s card 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 6.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction verification: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 6
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 6.11, 6.12

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD, EUR or UZS.

Source ↗

Mastercard World Elite available to non-residents

World Elite privileges →

Issuing 200 000 UZSfree if salary is credited to Xalq banki cards, or with a credit turnover of 20 mln UZS or more over the last month on a Xalq banki card (non-salary), or with an online term deposit at Xalq banki of 30 mln UZS or more; otherwise 200 000 UZS; non-residents: 400 000 UZSnon-residents: 400 000 UZStariff section 5 cl. 7.3, 7.4; in amount — fee if the conditions for free issuance are not met
Maintenance 120 000 UZS/mo.free if monthly card turnover is at least 10 mln UZS; 7$ or 85 000 UZS with turnover from 5 mln UZS; otherwise 10$ or 120 000 UZS per monthtariff section 5 item 7.13; in amount — the highest fee (turnover less than 5 mln UZS); for a non-UZS card taken in dollars
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 200 000 UZStariff section 5, cl. 7.5, 7.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 7.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in UZS: 1%tariff section 6 cl. 1.3 (ATM); section 5 cl. 7.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 7.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 7.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Transfer to another bank’s card 0.25%to Humo/Uzcard cards of other banks in the Xazna app: 0.25%; between Xalq banki Visa/Mastercard cards: free; from Humo/Uzcard to this card: free; to e-wallets: freetariff section 6 cl. 2.1.4-2.1.10, 2.1.13; only for cards in the national currency
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 7.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement request at an ATM: 4 000 UZS; certificate via Xazna: 20 000 UZSTariff section 5 item 7
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 7.11, 7.12

No separate product page was found on xb.uz; terms are from the individuals tariff (section 5). The account is opened in USD or UZS. In the PDF the values of items 7.x are shifted across columns; taken from the HTML version of the tariff.

Source ↗

Mastercard in USD

Mastercard Standard available to non-residents

Standard privileges →

Issuing freeXalq banki resident and non-resident employees: free; non-residents: 120 000 UZSnon-residents: 120 000 UZStariff section 5, cl. 5.3, 5.4
Maintenance freefreetariff section 5, cl. 5.13
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 40 000 UZStariff section 5, cl. 5.5, 5.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 5.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 5.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 5.9; excludes the ATM owner bank's fee
Withdrawal abroad 1%ATMs and cash desks abroad: 1%tariff section 5, cl. 5.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 5.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction verification: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement inquiry at an ATM: 2 000 UZSTariff section 5 item 5
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 5.11, 5.12

No separate product page was found on xb.uz; the terms are from the individuals' tariff (section 5). The site only has the Uzcard-MasterCard co-badge.

Source ↗

Mastercard World Black Edition available to non-residents

World Black Edition privileges →

Issuing 100 000 UZSfree if salary is credited to Xalq banki cards, or with a credit turnover of 20 mln UZS or more over the last month on a Xalq banki card (non-salary), or with an online term deposit at Xalq banki of 30 mln UZS or more; otherwise 100 000 UZS; non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5 cl. 6.3, 6.4; in amount — fee if the conditions for free issuance are not met
Maintenance 5 USD/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 6.13; in amount — fee for failing to meet the turnover condition; 5 USD assumed for a non-UZS card
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 6.5, 6.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 6.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 6.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 6.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 6.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 6.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction verification: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 6
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 6.11, 6.12

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD, EUR or UZS.

Source ↗

Mastercard World Elite available to non-residents

World Elite privileges →

Issuing 200 000 UZSfree if salary is credited to Xalq banki cards, or with a credit turnover of 20 mln UZS or more over the last month on a Xalq banki card (non-salary), or with an online term deposit at Xalq banki of 30 mln UZS or more; otherwise 200 000 UZS; non-residents: 400 000 UZSnon-residents: 400 000 UZStariff section 5 cl. 7.3, 7.4; in amount — fee if the conditions for free issuance are not met
Maintenance 10 USD/mo.free if monthly card turnover is at least 10 mln UZS; 7$ or 85 000 UZS with turnover from 5 mln UZS; otherwise 10$ or 120 000 UZS per monthtariff section 5 item 7.13; in amount — the highest fee (turnover less than 5 mln UZS); for a non-UZS card taken in dollars
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 200 000 UZStariff section 5, cl. 7.5, 7.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 7.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 7.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 7.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 7.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 7.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction check: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement request at an ATM: 4 000 UZS; certificate via Xazna: 20 000 UZSTariff section 5 item 7
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 7.11, 7.12

No separate product page was found on xb.uz; terms are from the individuals tariff (section 5). The account is opened in USD or UZS. In the PDF the values of items 7.x are shifted across columns; taken from the HTML version of the tariff.

Source ↗

Mastercard in EUR

Mastercard World Black Edition available to non-residents

World Black Edition privileges →

Issuing 100 000 UZSfree if salary is credited to Xalq banki cards, or with a credit turnover of 20 mln UZS or more over the last month on a Xalq banki card (non-salary), or with an online term deposit at Xalq banki of 30 mln UZS or more; otherwise 100 000 UZS; non-residents: 200 000 UZSnon-residents: 200 000 UZStariff section 5 cl. 6.3, 6.4; in amount — fee if the conditions for free issuance are not met
Maintenance 5 USD/mo.free if the monthly card turnover is at least 5 mln UZS; otherwise 5$ or 60 000 UZS per monthtariff section 5 cl. 6.13; in amount — fee for failing to meet the turnover condition; 5 USD assumed for a non-UZS card
Reissue freeupon expiry (in the last month of validity): free; damage, loss, etc.: 100 000 UZStariff section 5, cl. 6.5, 6.6
Delivery freefree (when ordered via Xazna)tariff section 5, cl. 6.7
Withdrawal at own ATMs 1.5%Xalq banki ATM: 1,5% (common clause for Visa and Mastercard cards); Xalq banki cashier: withdrawal processing is free; cashier for a card in foreign currency: freetariff section 6 cl. 1.3 (ATM); section 5 cl. 6.8 and section 1 cl. 2.5-2.8 (cashier). The tariff clauses are not fully consistent: in the card section, processing of withdrawals at bank cashiers is free
Withdrawal at other banks’ ATMs freeATMs and cash desks of other banks in Uzbekistan: Xalq banki processing fee is freetariff section 5 cl. 6.9; excludes the ATM owner bank's fee
Withdrawal abroad freeATMs and cash desks abroad: processing is free (at the Xalq banki rate)tariff section 5, cl. 6.10
Top-up freecash to a Xalq banki Visa/Mastercard card at the cashier: free; card top-up: freetariff section 1 cl. 2.2; section 5 (item «Crediting funds to the card»)
Conversion payment and withdrawal in another currency are converted at the rate set by Xalq banki; the markup percentage is not stated separately; online conversion in Xazna: freetariff section 5 cl. 6.26 (operations abroad at the Xalq banki rate); section 6 cl. 2.2, 2.3
SMS notifications freeSMS notifications and 3DS: freetariff section 5: «SMS-xabarnoma/3DS xizmatiga ulash — Bepul»
Other quasi-cash transactions abroad (MCC 6051: e-wallets, crypto, etc.): 1% at the bank's rate; payments at terminals and e-com in Uzbekistan: free; card closure on request, blocking, 3DS, transaction verification: free; chargeback (dispute): free once per calendar year, then 100 000 UZS; balance or statement inquiry at an ATM: 4 000 UZSTariff section 5 item 6
Deposit / minimum balance freeno minimum deposit or initial contributiontariff section 5, cl. 6.11, 6.12

No separate product page was found on xb.uz; the terms are from the individuals’ tariff (section 5). The account is opened in USD, EUR or UZS.

Source ↗