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UZCARD

Driving Cashless Transactions and Financial Access in Uzbekistan

UZCARD is Uzbekistan’s leading payment system, created by the Center for Interbank Payments Systems under the Central Bank. It provides users with a wide range of cashless payment options, including fund transfers and digital financial services, playing a key role in modernizing the country’s financial ecosystem.

UZCARD

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: Payment System and Card Network Total Customers: 27 million cardholders
Currency: Uzbekistani Som (UZS) Money transfer volume: 224 trillion UZS (estimated)
Coverage: 65% of card transactions in Uzbekistan (estimated) Refunds: Yes (limited)
Chargebacks: Yes, subject to terms and conditions

About payment system

UZCARD goes beyond being a payment method, offering a robust platform for managing financial tasks and accessing key services. Users can link their UZCARD accounts to physical cards or virtual wallets, enabling seamless payments, transfers, and other financial operations. Alongside its core payment functions, UZCARD allows users to pay utility bills, withdraw cash from ATMs, and handle a variety of everyday transactions. This broad range of features makes UZCARD a comprehensive tool for both personal finance and routine spending. UZCARD plays a vital role in advancing cashless transactions and fostering financial inclusion in Uzbekistan. By centralizing payments and financial services, it helps reduce dependence on cash and increases access to the formal banking system. With strong encryption, secure authentication, and smooth integration with banks and merchants, UZCARD is built for safety and ease of use. As it continues to grow, UZCARD is helping to transform Uzbekistan’s financial ecosystem—offering individuals and businesses a modern, reliable, and secure way to manage their finances.

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