Ziraat Bank Uzbekistan cards: fees
Fees as of 22.10.2026More details
Ziraat Bank Uzbekistan: 5 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 (individual's card in UZS)
| Issuing | 35 000 UZS35 000 UZS (incl. VAT); salary, pension, scholarship, benefit and additional cards — freecl. 3.3.1, 3.3.2 of the tariffs dated 22.06.2026 №63; a single fee for issuance and reissue |
|---|---|
| Maintenance | freeno maintenance fee providedthere is no card maintenance fee in the tariffs; the bank’s FAQ (Humo FAQ page) states that card maintenance is free |
| Reissue | 35 000 UZS35 000 UZS (incl. VAT): reissue upon loss, damage or expirationcl. 3.3.2; the tariff is the same for issuance and reissue |
| Withdrawal at own ATMs | 0.5%ZBU ATM (national currency): 0,5% of the amount; cash desk (bank's POS terminal): 1%; salary/pension payments via the bank's POS — freecl. 3.5.1, 3.3.6, 3.3.7; cl. 3.5.1 is written for ZBU cards without a Uzcard/Humo split |
| Transfer to another bank’s card | 0.5%/transactionin the Ziraat Mobile Uzbekistan app to a Humo/Uzcard card of another bank: 0,5% of the amount; to ZBU cards — freecl. 3.6.1.1 (B, V); FAQ: transfers to a ZBU card from the ZBU UZ app — 0% |
| SMS notifications | 84.2 UZS/transactionSMS notification: 84,20 UZS per SMS, debited from the mobile operator accountbank page "Bank karta bo'yicha SMS xabarnoma"; in the tariffs cl. 3.2.3 connection and monthly fee for Mobile-/SMS-Banking — free (interactive services section, possibly for legal entities) |
| Other | cards of other banks at ZBU ATMs: withdrawal in national currency 1%; top-up (CASH-IN) Uzcard 1%, Humo 0,5%; transfer from another bank's card to any bank's card 0,5%; stop list — free; taxes and mandatory payments from the card — freecl. 3.5.2, 3.5.3, 3.6.1.1(A), 3.3.8, 3.3.9 |
The application for a UZS card (Uzcard or Humo; type: payroll or individual's card) is made at a branch. Limits, balance interest rate, cashback are not specified on the website.
Uzcard-Mastercard (co-badge, debit)
| Issuing | 50 000 UZS50 000 UZS (incl. VAT) for issuance and reissue (in case of loss, damage, expiry); salary co-badge cards — freeitems 1.1.1, 1.1.2 of the co-badge card tariffs, version of 01.03.2023 |
|---|---|
| Reissue | 50 000 UZS50 000 UZS (incl. VAT)item 1.1.1 (issuance and reissue under a single tariff) |
| Withdrawal at own ATMs | 1%Uzcard ZBU ATM: 1%; Uzcard cash desk: 1%; Humo ATM/cash desk: 1,5%; ATMs of other banks — the owner bank’s feeclauses 1.1.10, 1.1.11; 2023 tariffs, the general tariff of 22.06.2026 lists 0,5% for ZBU cards at ZBU ATMs (clause 3.5.1) — a discrepancy |
| Top-up | 1%cash top-up via Uzcard ZBU ATMs: 1%; not applied at Humo ATMscl. 1.1.9 of the 2023 co-badge card tariffs |
| Conversion | services in national currency are converted at the Mastercard interbank rates on the day of the operationnote to co-branded card tariffs |
| Other | payment for goods and services (including online) — free; balance inquiry at a Uzcard ATM — free; stop list — freecl. 1.1.3, 1.1.4, 1.1.6 |
| Deposit / minimum balance | 50 000 UZSminimum unused deposit balance on the card: 50 000 UZScl. 1.1.5 of the co-badge card tariffs |
Uzcard-Mastercard co-badge, account in UZS, contactless. Tariffs of the 01.03.2023 edition (no newer edition found on the website); the same card is recorded separately as Mastercard UZS.
Humo in UZS
Humo (individual's card in UZS)
| Issuing | 20 000 UZS20 000 UZS (incl. VAT); salary, pension, scholarship, benefit and additional cards — freecl. 3.3.1, 3.3.2 of the tariffs dated 22.06.2026 №63; a single fee for issuance and reissue |
|---|---|
| Maintenance | freecard maintenance is freeBank FAQ (question 21 «How much does card maintenance cost?»); the tariffs contain no maintenance fee |
| Reissue | 20 000 UZS20 000 UZS (incl. VAT): reissue upon loss, damage or expirationcl. 3.3.2; the tariff is the same for issuance and reissue |
| Withdrawal at own ATMs | 0.5%ZBU ATM (national currency): 0,5% of the amount; cash desk (bank's POS terminal): 1%; salary/pension payments via the bank's POS — freecl. 3.5.1, 3.3.6, 3.3.7; cl. 3.5.1 is written for ZBU cards without a Uzcard/Humo split |
| Transfer to another bank’s card | 0.5%/transactionin the app to a Humo/Uzcard card of another bank: 0,5% of the amount; to ZBU cards — freecl. 3.6.2.1 (B, V); FAQ: transfers to a ZBU card via the ZBU UZ app — 0% |
| SMS notifications | 84.2 UZS/transactionSMS notification: 84,20 UZS per SMS, debited from the mobile operator accountbank page “SMS notification for bank cards” (common for Uzcard and Humo); in the tariffs cl. 3.2.3 connection and monthly fee for Mobile-/SMS-Banking — free |
| Other | cards of other banks at ZBU ATMs: withdrawal in national currency 1%; top-up (CASH-IN) Humo 0,5%, Uzcard 1%; transfer from another bank's card to any bank's card 0,5%; stop list — free; taxes and mandatory payments from the card — freecl. 3.5.2, 3.5.3, 3.6.2.1(A), 3.3.8, 3.3.9 |
| Other limits | contact payments without a PIN code — up to 50 000 UZS per transactionBank FAQ (question 14), Humo general limit |
The application for a UZS card (Uzcard or Humo) is made at a branch. Limits (except contact payments without PIN), balance interest rate, cashback are not specified on the website.
Visa in USD
Visa Classic (debit, USD account)
| Issuing | 100 000 UZS100 000 UZS (incl. VAT) for issuance and reissue (upon damage, loss, expiry)cl. 3.4.1 of the tariffs dated 22.06.2026 No. 63; a special card account is opened in US dollars |
|---|---|
| Reissue | 100 000 UZS100 000 UZS (incl. VAT): reissue upon damage, loss or expirationcl. 3.4.1; the tariff is the same for issuance and reissue |
| Withdrawal at own ATMs | 0.5%cash desk via ZBU currency POS terminal: 0,5% of the amount; ZBU ATM in national currency: 0,5%cl. 3.4.3, 3.5.1; there is no separate line for ATMs on Visa USD, cl. 3.5.1 applies to ZBU cards in general |
| Conversion | tariffs in foreign currency are calculated at the Central Bank rate on the transaction date; the conversion markup for payments in another currency is not specified in the tariffsgeneral note to the tariffs; cl. 4.3.4: conversion of one foreign currency into another at the client's request — 0,1% |
| Other | transfers outside Uzbekistan from the card: 1% of the amount; withdrawal from other banks' Visa cards via ZBU currency POS terminals: 1,5%cl. 3.4.2, 3.4.4 |
| Deposit / minimum balance | 50 USDdeposit balance on the card 50 USDclause 3.4.5 «Kartadagi depozit qoldiq / Balance of card» |
Application for Visa Classic issuance and opening of a special card account in US dollars (the form has a "citizenship" field). Visa in UZS/EUR and other Visa products were not found on the website.
Mastercard in UZS
Uzcard-Mastercard (co-badge, debit)
| Issuing | 50 000 UZS50 000 UZS (incl. VAT) for issuance and reissue; same plastic as Uzcard-Mastercardclause 1.1.1 of the co-brand card tariffs, version of 01.03.2023 |
|---|---|
| Reissue | 50 000 UZS50 000 UZS (incl. VAT)cl. 1.1.1 |
| Withdrawal at other banks’ ATMs | 1.5%via ATMs and cash terminals of other banks with their own processing: 1,5%item 1.1.13 (column “other banks of Uzbekistan”) |
| Withdrawal abroad | 2.5%cash withdrawal abroad: 2,5%item 1.1.13 (column “outside Uzbekistan”) |
| Conversion | services in national currency are converted at the Mastercard interbank rates on the day of the operationnote to co-branded card tariffs |
| Other | payment for goods and services abroad (including via the internet): 0,5%; balance inquiry at another bank's ATM abroad: 8 100 UZS + bank feecl. 1.1.3, 1.1.4 |
| Deposit / minimum balance | 50 000 UZSminimum unused deposit balance on the card: 50 000 UZScl. 1.1.5 of the co-badge card tariffs |
The same plastic as Uzcard-Mastercard above: Mastercard works abroad, the account is in UZS; conversion at the Mastercard rate. Tariffs as of the 01.03.2023 edition.