Virtual cards in Uzbekistan: Visa, Mastercard, Humo and Uzcard
Fees as of 22.10.2026More details
Virtual cards are issued by 27 banks: 71 cards in total. Such a card has no plastic, the bank app shows its details. The tables are split by payment system.
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.
Virtual Uzcard card 13
| Bank | Card | Currency | Issuing | Maintenance per year | Withdrawal at own ATMs | Withdrawal at other ATMs | Card transfer | Deposit |
|---|---|---|---|---|---|---|---|---|
| AVO UZCARD digital virtualresidents only | UZS | freefree | free | — | — | 1%between AVO bank cards - free; to HUMO and UZCARD cards of other banks - 1% of the transaction amount | — | |
| Uzcard virtual card virtual | UZS | freefree | — | — | — | 0.5%Uzcard -> Uzcard of another bank in Agrobank Mobile: 0,5% per operation; Uzcard <-> Humo: 0,5% | 0.5 USDsecurity deposit 0,5 USD | |
| Uzcard Virtual virtual | UZS | freefree | free | — | — | freefrom an AKB Uzcard to other banks' Uzcard cards in the app: up to 10 mln UZS per month free, above that 0,5% of the amount; between AKB cards free | — | |
| UzCard Virtual virtualavailable to non-residents | UZS | freevirtual card opening: free | — | — | — | 0.7%/transactionUzCard APEX BANK to another bank's UzCard: 0,7%; to another bank's HUMO: 0,7%; to APEX BANK cards: UzCard to UzCard 0,4%, UzCard to HUMO 0,6% | — | |
| Uzcard Virtual virtual | UZS | freefree (only when ordered via remote banking services); not issued at a branch | free | — | — | 0.5%in the BRB app to BRB cards and other banks' cards (Uzcard/Humo): up to 5 mln UZS per month free, 0,5% above that; to own cards via the Unified Portal — no fee | — | |
| UZCARD Virtual virtual | UZS | freefree | free | — | — | freeup to 3,5 mln UZS per month: transfer from another bank's card to a Davr Bank card and from a Davr Bank card to another bank's card 0%; above 3,5 mln: 0,40% | freeinsurance deposit: free | |
| Uzcard virtual virtual | UZS | freefree | — | 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1% | — | 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: free | — | |
| UZCARD Virtual virtual | UZS | free0 UZS | free | — | — | freeup to 3 mln UZS per month: free; above: 0,5% of the amount (from a UZCARD card in the Milliy app) | — | |
| Openbank Uzcard virtual card virtual | UZS | freefree | free | not provided: cash withdrawal from a virtual card is not possible | not provided: cash withdrawal from a virtual card is not possible | freeto Openbank cards and accounts: free; to cards and accounts of other banks: free up to 6 mln UZS per month, on the amount above the free limit 0,6% of the transaction | — | |
| Uzcard Virtual virtual | UZS | freefree (in the OFB app) | free | not provided (virtual card without a physical carrier) | — | freein the OFB app to another bank's card: up to 5 mln UZS per month free | — | |
| TBC Virtual Uzcard virtual | UZS | issuance discontinued | free | — | — | 1.99%to TBC cards: free; to own Uzcard/Humo cards at other banks: free; to cards of other banks: 1,99% | — | |
| UZCARD Virtual virtual | UZS | freefree (application in SQB Mobile) | free | — | — | 0.5%SQB Mobile to another bank's Uzcard/Humo: 0,5%; to SQB cards: SQB Uzcard/Humo: 0,5%; SQB international: 0%; to international cards of other banks: 1,5% | — | |
| UZCARD DUO Virtual virtual | UZS | freefree | free | ATM: per the servicing bank's tariffs; Hayot Bank cash desk: 0,7% of the amount | ATM: according to the tariffs of the servicing bank; Hayot Bank cashier for cards of other banks of Uzbekistan: 1% | — | — |
Virtual Humo card 19
| Bank | Card | Currency | Issuing | Maintenance per year | Withdrawal at own ATMs | Withdrawal at other ATMs | Card transfer | Deposit |
|---|---|---|---|---|---|---|---|---|
| Humo virtual card virtual | UZS | freefree | — | — | — | 0.3%Humo -> Humo of another bank in Agrobank Mobile: 0,3% per transaction; Uzcard <-> Humo: 0,5% | 0.5 USDsecurity deposit 0,5 USD | |
| HUMO Virtual virtual | UZS | freefree | free | — | — | freefrom AKB Humo to other banks' Humo in the app: up to 100 mln UZS per month free, above that 0,3% of the amount; between AKB cards free | — | |
| Humo virtual virtual | UZS | freefree | — | — | — | freeHumo to Humo in the Zoomrad app: free; between Humo and UzCard: under the public offer | freeinsurance deposit: none | |
| HUMO TRIA Virtual virtual | UZS | freefree | free | — | — | — | — | |
| HUMO Virtual virtualavailable to non-residents | UZS | freevirtual card opening: free | — | — | — | 0.6%/transactionfrom HUMO APEX BANK to another bank's HUMO: 0,6%; to another bank's UzCard: 0,6%; to HUMO APEX BANK: free; to UzCard APEX BANK: 0,6% | — | |
| Humo virtual card virtual | UZS | freefree | the maintenance fee is not specified in the tariffs | — | — | 0.4%/transactionto Asakabank cards: free; to Uzcard/Humo cards of other banks: 0,4% | freedeposit 0 UZS | |
| Humo Virtual virtual | UZS | freefree (only when ordered via remote banking services); not issued at a branch | free | — | — | 0.5%in the BRB app to BRB cards and other banks' cards (Uzcard/Humo): up to 5 mln UZS per month free, 0,5% above that; to own cards via the Unified Portal — no fee | — | |
| Humo Virtual virtual | UZS | freefree | free | — | — | 0.5%to cards of other banks (P2P): 0,5%; between Garant bank cards: 0,5%; between Garant bank e-wallets: free | — | |
| HUMO Virtual virtual | UZS | freefree | free | — | — | freeup to 3,5 mln UZS per month: transfer from another bank's card to a Davr Bank card and from a Davr Bank card to another bank's card 0%; above 3,5 mln: 0,40% | freeinsurance deposit: free | |
| Humo Virtual virtual | UZS | freefree (via remote banking only) | — | not applicable to a virtual card | not applicable to a virtual card | 0.75%/transactionin Ipak Yuli Mobile to cards of other banks: 0,75% of the amount; to Ipak Yuli Bank cards: no fee until 31.12.2026 | — | |
| Humo Virtual virtual | UZS | freefree | free | 1%Ipoteka Bank ATM: 1%; Ipoteka Bank cash desk: 1% | per the other bank's tariff | 0.75%to an Ipoteka-bank card in the Ipoteka Retail app: free; to another bank's card in the app: 0,75% | freeNo deposit required | |
| Humo virtual virtual | UZS | freefree | — | 1%Xalq banki ATM: 1%; Xalq banki cash desk: 1% | — | 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: free | — | |
| HUMO Virtual virtual | UZS | free0 UZS | free | — | — | freeup to 3 mln UZS per month: free; above - per cl. 4.1.2-4.1.6 (to UZCARD cards of other banks 0,5%) | — | |
| Humo Virtual virtualavailable to non-residents | UZS | freefree | free | 1%/transactionOctobank ATM: 1%; Octobank cash desk: free | — | 0.3%/transactionHumo -> Humo (Octo-Mobile): 0,3%; Humo Octobank -> Visa/MC Octobank: 0,2%; Humo <-> Uzcard: 0,7% | freeminimum balance not required | |
| Openbank HUMO-Visa virtual card (co-badge) virtual | UZS | freefree | free | not provided: cash withdrawal from a virtual card is not possible | not provided: cash withdrawal from a virtual card is not possible | freeto Openbank cards and accounts: free; to cards and accounts of other banks: free up to 6 mln UZS per month, on the amount above the free limit 0,6% of the transaction | — | |
| TBC Virtual Humo virtual | UZS | 10 000 UZS | free | — | — | 1.99%to TBC cards: free; to own Uzcard/Humo cards at other banks: free; to cards of other banks: 1,99% | — | |
| Humo (virtual, MyTuron) virtual | UZS | freefree | — | — | — | 0.5%in the MyTuron app: to another bank's card 0,5% (up to 3 mln UZS per month free); between Turonbank cards 0,25% (up to 3 mln UZS per month free) | — | |
| HUMO Virtual virtual | UZS | freefree (application in SQB Mobile) | free | — | — | 0.5%SQB Mobile to another bank's Humo/Uzcard: 0,5%; to SQB cards (Uzcard/Humo): 0,25%; to SQB international cards: 0%; to other banks' international cards: 1,5% | — | |
| HUMO Virtual virtual | UZS | freefree | — | — | — | — | — |
Virtual Visa card 25
| Bank | Card | Currency | Issuing | Maintenance per year | Withdrawal at own ATMs | Withdrawal at other ATMs | Card transfer | Deposit |
|---|---|---|---|---|---|---|---|---|
| Visa virtual card (USD) virtualVirtual privileges | USD | freefree | — | — | — | 0.5%Visa Direct to another bank's Visa card in Uzbekistan: 0,5%; outside Uzbekistan: 1%; to an Agrobank Visa card: free | 0.5 USDsecurity deposit 0,5 USD | |
| Visa virtual card (UZS) virtualVirtual privileges | UZS | freefree | — | — | — | 0.5%Visa Direct to another bank's Visa card in Uzbekistan: 0,5%; outside Uzbekistan: 1%; to an Agrobank Visa card: free | 5 000 UZSsecurity deposit 5 000 UZS | |
| Visa Virtual virtualVirtual privileges | USD | freefree | free | — | — | — | freeSecurity deposit 0 | |
| VISA Virtual virtualVirtual privileges | USD | freefree | — | — | — | 1% (min. 2 USD)Visa Direct: between the bank's cards free; from a USD account to Visa cards of other banks: 1%, min. 2 USD | freeinsurance deposit: none | |
| VISA Virtual virtualVirtual privileges | UZS | freefree | free | cash withdrawal not provided | cash withdrawal not provided | 0.5%/transactionfrom a Visa UZS card to another bank's UzCard or HUMO card: 0,5%; to APEX BANK UzCard/HUMO cards: 0,3%; between APEX BANK Visa cards: free | freeno minimum balance | |
| VISA Virtual virtualVirtual privileges | USD | freefree | free | cash withdrawal not provided | cash withdrawal not provided | transfers between APEX BANK Visa USD cards are free; to other banks' cards not specified in the tariffs | freeno minimum balance | |
| Visa Virtual virtualresidents onlyVirtual privileges | USD | freefree (only when ordered via remote banking services) | free | not provided | — | 1% (min. 2 USD)Visa Direct to a Visa card of another bank: 1% of the amount, not less than 2 USD; between Visa BRB cards in the app: free | freeno insurance deposit | |
| Visa Virtual virtualVirtual privileges | USD | freefree | free | not provided | — | — | 1 USDinsurance deposit 1 USD | |
| Visa Virtual virtualavailable to non-residents Virtual privileges | USD | freefree | free | — | not provided | 1% (min. 2 USD)Visa Direct: 1% of the amount, min. 2 USD; transfer to own and other InfinBank cards and from other banks' cards: free | 5 USDinsurance deposit 5 USD | |
| Visa Virtual (foreign currency) virtualVirtual privileges | USD | freeFree (via remote banking) | free | not applicable to a virtual card | not provided | — | freeno deposit | |
| Visa Virtual USD virtualVirtual privileges | USD | freefree | free | not provided | — | 1% (min. 1 USD)Visa Direct to a Visa card of another bank in Uzbekistan: 1%, min. 1 USD; abroad: 1%, min. 3 USD | freeminimum balance: none | |
| Visa Virtual UZS virtualVirtual privileges | UZS | freefree | free | not provided | — | 1% (min. 15 000 UZS)Visa Direct to another bank's Visa card in Uzbekistan: 1%, min. 15 000 UZS; to another bank's Uzcard/Humo: 1%; to own cards: 0-0,5% | freeminimum balance: none | |
| Visa Champion Virtual virtual | UZS | 10 000 UZS | free | — | 1%1% of transaction amount | freeup to 40 mln UZS per day and up to 200 mln UZS per month: free; from Visa to UZCARD: fee from 0,5%; to cards of other payment systems: no fee | freeno insurance deposit/minimum balance | |
| Visa Champion Virtual virtual | USD | 10 000 UZS | free | — | 1%1% of transaction amount | freeup to 40 mln UZS per day and up to 200 mln UZS per month: free; from Visa to UZCARD: fee from 0,5%; to cards of other payment systems: no fee | freeno insurance deposit/minimum balance | |
| Visa Classic Virtual virtualavailable to non-residents Virtual privileges | USD | freefree | free | freeOctobank cash desk: free; Octobank ATM is not specified separately | 2.5% (min. 1.8 USD)/transaction2,5% (min. 1,80 USD incl. VAT); including HUMO and UzCard ATMs | 1% (min. 2.4 USD)/transactionVisa Direct to a Visa card of another Uzbek bank: 1% (min. 2,40 USD); between Octobank cards via Octo-Mobile: free | 0.25 USDminimum balance 0,25 USDnon-residents: 10 USD | |
| Visa Classic Virtual virtualVirtual privileges | UZS | freefree | free | 1%/transactionOctobank cash desk: 1%; Octobank ATM is not stated separately | 1% (min. 1 200 UZS)/transaction1% (min. 1 200 UZS incl. VAT) | 1%/transactionVisa Direct to a Visa card of another bank of Uzbekistan: 1% (min. 2,40 USD); to a Uzcard/Humo card of another bank in Octo-Mobile: 0,5% | 12 000 UZSminimum balance 12 000 UZS | |
| Openbank HUMO-Visa virtual card (co-badge) virtual | UZS | freefree | free | not provided: cash withdrawal from a virtual card is not possible | not provided: cash withdrawal from a virtual card is not possible | freeto Openbank cards and accounts: free; to cards and accounts of other banks: free up to 6 mln UZS per month, on the amount above the free limit 0,6% of the transaction | — | |
| Visa Virtual virtualVirtual privileges | UZS | freefree (in the OFB app and on the website) | free | not provided (virtual card without a physical carrier) | — | 1% (min. 20 000 UZS)transfer to a card of a third-party bank (Visa/UPI/MC): 1%, not less than 2 USD / 2 EUR / 20 000 UZS; between OFB cards free | freeno insurance deposit required (0) | |
| Visa Virtual virtualVirtual privileges | USD | freefree (in the OFB app and on the website) | free | not provided (virtual card without a physical carrier) | — | 1% (min. 2 USD)transfer to a card of a third-party bank (Visa/UPI/MC): 1%, not less than 2 USD / 2 EUR / 20 000 UZS; between OFB cards free | freeno insurance deposit required (0) | |
| TBC Visa Virtual virtualVirtual privileges | USD | freefree | free | — | — | — | freeno deposit | |
| Visa Classic Virtual virtualVirtual privileges | USD | freefree | — | — | — | — | 5 USDnon-reducible balance (insurance deposit) 5 USD | |
| Visa Virtual virtualavailable to non-residents Virtual privileges | USD | freefree | free | 0.5%ATM/terminal in Uzbekistan: 0,5% (issuer fee); SQB cashier: UZS — 1%, foreign currency — 0,5% | 0.5%ATM of another bank in Uzbekistan: 0,5% (issuer fee) + possible fee of the ATM-owning bank | 1.5%SQB Mobile to other banks' international cards (Visa/Mastercard): 1,5%; to SQB cards: 0%; to another bank's Uzcard/Humo: 0,5% | freenot required | |
| Visa Virtual virtualavailable to non-residents Virtual privileges | UZS | freefree | free | 0.5%ATM/terminal in Uzbekistan: 0,5% (issuer fee); SQB cashier: UZS — 1%, foreign currency — 0,5% | 0.5%ATM of another bank in Uzbekistan: 0,5% (issuer fee) + possible fee of the ATM-owning bank | 1.5%SQB Mobile to other banks' international cards (Visa/Mastercard): 1,5%; to SQB cards: 0%; to another bank's Uzcard/Humo: 0,5% | freenot required | |
| Uzum card (virtual) virtual | UZS | freefree | free | freeUzum Bank ATMs: up to 10 mln UZS per month — 0%, over 10 mln UZS per month — 0,7% | 1%/transactionAKB Kapitalbank ATMs: 1% (Kapitalbank additionally charges 1,5% at ATMs marked UZCARD); other ATMs and cash desks: 1% | 0.5%/transactionto Visa of other banks of Uzbekistan: 0,5%; to Visa Uzum Bank, Visa and Mastercard of Kapitalbank: free; to Humo/Uzcard of any bank: 0,9%; to foreign banks (Visa Direct): 0,9%, but at least 0,99 USD; via SMP to another bank's account: 0,9% | freeno non-reducible balance; no minimum initial deposit | |
| Visa Virtual virtualVirtual privileges | USD | freefree (in the Hamkor app, no documents needed) | free | — | — | 1% (min. 1 USD)to accounts of other Visa cards: 1% (min. 1 USD); to Hamkorbank Visa and UnionPay cards: free | freeminimum balance 0 US dollars |
Virtual Mastercard card 14
| Bank | Card | Currency | Issuing | Maintenance per year | Withdrawal at own ATMs | Withdrawal at other ATMs | Card transfer | Deposit |
|---|---|---|---|---|---|---|---|---|
| AVO platinum (virtual) virtualresidents only | UZS | freefree | 324 000 UZS/year | 1%1% of the transaction amount at an AVO bank ATM (from own funds) | 1%1% of the transaction amount; another bank may charge an additional fee | 0.5%in the AVO app: between own cards and accounts - free; to HUMO and UZCARD cards of other banks - 0,5%; transfer to a Mastercard card of another bank is not specified separately in the tariff | — | |
| Mastercard Virtual virtual | USD | freefree | free | — | — | — | freeSecurity deposit 0 | |
| ANOR BLACK Virtual virtual | UZS | 5 000 UZS5 000 UZS incl. VAT | 15 000 UZS/year | — | — | — | freeinsurance deposit: none | |
| Mastercard virtual card virtual | UZS | freefree | the maintenance fee is not specified in the tariffs | — | — | 0.5%/transactionMoneySend to Mastercard cards in Uzbekistan: 0,5%, min. 2 USD; to cards issued abroad: 1%, min. 2 USD (incl. VAT) | 15 000 UZSnon-refundable balance on the account 15 000 UZS | |
| Mastercard virtual card virtual | USD | freefree | the maintenance fee is not specified in the tariffs | — | — | 0.5% (min. 2 USD)/transactionMoneySend to Mastercard cards in Uzbekistan: 0,5%, min. 2 USD; to cards issued abroad: 1%, min. 2 USD (incl. VAT) | freenon-refundable balance in foreign currency is not provided | |
| Mastercard Virtual (foreign currency) virtual | USD | freeFree (via remote banking) | free | not applicable to a virtual card | not provided | — | freeno deposit | |
| Mastercard Virtual virtual | USD | 10 000 UZS | — | — | 1%1% of transaction amount | 1% (min. 1 USD)to another bank's Mastercard card (Mastercard Send) at Milliy: 1%, min. 1 USD; to NBU cards: free; to other banks' UZCARD cards: 0,5% | freeno insurance deposit/minimum balance | |
| Mastercard Standard Virtual virtualavailable to non-residents | USD | freefree | free | freeOctobank cash desk: free; Octobank ATM is not specified separately | 2.5% (min. 1.8 USD)/transaction2,5% (min. 1,80 USD incl. VAT); including HUMO and UzCard ATMs | 1% (min. 2.4 USD)/transactionVisa Direct to a Visa card of another Uzbek bank: 1% (min. 2,40 USD); between Octobank cards via Octo-Mobile: free | 0.25 USDminimum balance 0,25 USDnon-residents: 10 USD | |
| Mastercard Standard Virtual virtual | UZS | freefree | free | 1%/transactionOctobank cash desk: 1%; Octobank ATM is not stated separately | 1% (min. 1 200 UZS)/transaction1% (min. 1 200 UZS incl. VAT) | 1%/transactionVisa Direct to a Visa card of another bank of Uzbekistan: 1% (min. 2,40 USD); to a Uzcard/Humo card of another bank in Octo-Mobile: 0,5% | 12 000 UZSminimum balance 12 000 UZS | |
| Mastercard Virtual virtual | UZS | freefree (in the OFB app and on the website) | free | not provided (virtual card without a physical carrier) | — | 1% (min. 20 000 UZS)transfer to a card of a third-party bank (Visa/UPI/MC): 1%, not less than 2 USD / 2 EUR / 20 000 UZS; between OFB cards free | freeno insurance deposit required (0) | |
| Mastercard Virtual virtual | USD | freefree (in the OFB app and on the website) | free | not provided (virtual card without a physical carrier) | — | 1% (min. 2 USD)transfer to a card of a third-party bank (Visa/UPI/MC): 1%, not less than 2 USD / 2 EUR / 20 000 UZS; between OFB cards free | freeno insurance deposit required (0) | |
| Mastercard digital (World-based) virtual | UZS | freefree | free | freeat Tenge Bank (WAY4) cash desks and ATMs: up to 3 mln UZS per calendar month — 0%, above 3 mln UZS — 1% of the excess amount | 1%/transactionat cash desks and ATMs of other banks in Uzbekistan: 1%, at least 1 USD incl. VAT | 1%/transactionto an international payment system card of an Uzbek bank: 1% of the amount, at least 1 USD; to an international payment system card of a foreign bank: 1%, at least 2 USD; to a Tenge Bank card and accounts: free; to Uzcard/Humo of other banks via remote banking: per remote banking tariffs (0,70%) | freeinsurance deposit 0 UZS | |
| Mastercard digital (World-based) virtual | USD | freefree | free | freeat Tenge Bank (WAY4) cash desks and ATMs: up to 3 mln UZS per calendar month — 0%, above 3 mln UZS — 1% of the excess amount | 1% (min. 1 USD)/transactionat cash desks and ATMs of other banks in Uzbekistan: 1%, at least 1 USD incl. VAT | 1% (min. 1 USD)/transactionto an international payment system card of an Uzbek bank: 1% of the amount, at least 1 USD; to an international payment system card of a foreign bank: 1%, at least 2 USD; to a Tenge Bank card and accounts: free; to Uzcard/Humo of other banks via remote banking: per remote banking tariffs (0,70%) | freeinsurance deposit 0 UZS | |
| MasterCard Standard Virtual virtual | USD | freefree | — | — | — | — | 5 USDnon-reducible balance (insurance deposit) 5 USD |
Card selections
Frequently asked questions
Which banks offer virtual cards?
Virtual cards are issued by 27 banks: Agrobank, Aloqabank, Anorbank, Apex Bank, Asakabank, Asia Alliance Bank, AVO Bank, Business Development Bank, Davr Bank, Garant Bank, Hamkorbank, Hayot Bank, InFinBank, Ipak Yuli Bank, Ipoteka Bank, Kapitalbank, National Bank of Uzbekistan, Octobank, Open Bank, Orient Finans Bank, TBC Bank, Tenge Bank, Trustbank, Turonbank, Uzpromstroybank, Uzum Bank, Xalq Bank. 71 cards in total.
How much does a virtual card cost?
Banks list free issuing for 65 of 71 virtual cards. Maintenance and operations may be charged: see the table.
How do I open a virtual card?
For 67 of 71 virtual cards the bank lists website or app applications. The bank shows the terms and required documents when you apply.
How do Uzcard and Humo differ from Visa and Mastercard?
Uzcard and Humo are national payment systems: these cards are issued in sums and used mainly in Uzbekistan. Visa and Mastercard are international systems: you can pay with them abroad and in foreign online shops, and banks issue them in sums, dollars and euros.