More payment methods

HUMO

Modernizing Uzbekistan’s Financial Transactions Through Digital Innovation

HUMO is a digital payment platform developed by the National Bank for Foreign Economic Activity of Uzbekistan. It enables users to conduct secure digital payments, transfer funds, and access a variety of financial services, contributing to the advancement of Uzbekistan’s cashless economy.

HUMO

Country

Uzbekistan

Population (Uzbekistan)

35.3 million (estimated)

Number of Internet users

29.5 million (estimated)

Popular payment methods

Credit Cards, Debit Cards, E-Wallets, Cash, Bank Transfers

Distribution by payment method (%)

Type: Digital Payment Platform Total Customers: 27 million Humo cards issued (estimated)
Currency: Uzbekistani Som (UZS) Money transfer volume: USD 9 million annually (estimated)
Coverage: 50% of Uzbekistan’s card transactions (estimated) Refunds: Yes (limited)
Chargebacks: Yes, subject to terms and conditions

About payment system

HUMO is more than a digital payment tool—it serves as a dynamic platform for managing finances and accessing essential services. Users can link their bank accounts or cards to the HUMO app, enabling them to make payments, transfer funds, and carry out various financial transactions with ease. Beyond its core functions, HUMO allows users to pay bills, withdraw cash from ATMs, and complete a range of routine transactions. This all-in-one functionality makes HUMO a practical solution for both financial oversight and everyday spending. HUMO plays a key role in supporting digital payment adoption and expanding financial inclusion across Uzbekistan. Its accessible and user-friendly platform helps bring modern financial services to a broader audience. With secure login features, data encryption, and a smooth interface, HUMO prioritizes safety and ease of use. As the platform continues to grow, it is helping shape Uzbekistan’s digital economy—providing users with greater control, security, and access in managing their financial lives.

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