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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 Bank 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 —
Agrobank 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
Asia Alliance Bank 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 —
Apex Bank 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% —
Business Development Bank 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 —
Davr Bank 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
Xalq Bank 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 —
National Bank of Uzbekistan (NBU) 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) —
Open Bank 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 —
Orient Finans Bank 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 Bank 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% —
Uzpromstroybank (SQB) 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% —
Hayot Bank 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
Agrobank 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
Asia Alliance Bank 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 —
Aloqabank Humo virtual virtual UZS freefree — — — freeHumo to Humo in the Zoomrad app: free; between Humo and UzCard: under the public offer freeinsurance deposit: none
Anorbank HUMO TRIA Virtual virtual UZS freefree free — — — —
Apex Bank 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% —
Asakabank 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
Business Development Bank 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 —
Garant Bank 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 —
Davr Bank 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
Ipak Yuli Bank 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 —
Ipoteka Bank 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
Xalq Bank 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 —
National Bank of Uzbekistan (NBU) 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%) —
Octobank 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
Open Bank 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 Bank 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% —
Turonbank 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) —
Uzpromstroybank (SQB) 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% —
Hamkorbank 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
Agrobank 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
Agrobank 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
Asia Alliance Bank Visa Virtual virtualVirtual privileges USD freefree free — — — freeSecurity deposit 0
Aloqabank 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
Apex Bank 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
Apex Bank 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
Business Development Bank 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
Garant Bank Visa Virtual virtualVirtual privileges USD freefree free not provided — — 1 USDinsurance deposit 1 USD
InFinBank 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
Ipak Yuli Bank Visa Virtual (foreign currency) virtualVirtual privileges USD freeFree (via remote banking) free not applicable to a virtual card not provided — freeno deposit
Kapitalbank 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
Kapitalbank 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
National Bank of Uzbekistan (NBU) 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
National Bank of Uzbekistan (NBU) 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
Octobank 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
Octobank 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
Open Bank 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 —
Orient Finans Bank 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)
Orient Finans Bank 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 Bank TBC Visa Virtual virtualVirtual privileges USD freefree free — — — freeno deposit
Trustbank Visa Classic Virtual virtualVirtual privileges USD freefree — — — — 5 USDnon-reducible balance (insurance deposit) 5 USD
Uzpromstroybank (SQB) 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
Uzpromstroybank (SQB) 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 Bank 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
Hamkorbank 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 Bank 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 —
Asia Alliance Bank Mastercard Virtual virtual USD freefree free — — — freeSecurity deposit 0
Anorbank ANOR BLACK Virtual virtual UZS 5 000 UZS5 000 UZS incl. VAT 15 000 UZS/year — — — freeinsurance deposit: none
Asakabank 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
Asakabank 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
Ipak Yuli Bank Mastercard Virtual (foreign currency) virtual USD freeFree (via remote banking) free not applicable to a virtual card not provided — freeno deposit
National Bank of Uzbekistan (NBU) 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
Octobank 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
Octobank 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
Orient Finans Bank 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)
Orient Finans Bank 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)
Tenge Bank 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
Tenge Bank 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
Trustbank MasterCard Standard Virtual virtual USD freefree — — — — 5 USDnon-reducible balance (insurance deposit) 5 USD

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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.