UzbekistanUZSUzbekistani Som

Money Transfer to Uzbekistan

  • We lock the rate before payment
  • More than 100 transfers every day
  • Support at every stage of the transfer
10,684.89 UZSper 1 USDT+0.2% over 24hCalculation refreshed today at 06:501 USDT = 10,684.89 UZSOfficial rate; the final rate in the request may differ.
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UAE licence No. 9966786413

Sum to Uzum Bank or Kapitalbank card - at market rate, with no conversion markup. Rubles, dollars or USDT: we credit UZS. Commission from 0.9%, route agreed before payment.

Transfers to Uzbekistan: Uzcard and Click as primary payment systems alongside Visa

The route, the receiving bank and the payout amount are agreed before payment.

Uzbekistan consistently ranks in the top 3 countries by volume of money transfers from Russia. According to the Central Bank of Russia, billions of rubles are transferred annually from Russia to Uzbekistan, with labor migrants remaining the primary audience for this direction.

Card systems and digital wallets

Uzbekistan operates two national card systems — Uzcard, which has been operating since 1997 and is widely represented in banks and retail outlets across the country, and HUMO, which is actively developing. Click and Payme wallets are widely used in Uzbekistan for paying utilities, mobile services, purchases and other everyday transactions without visiting a bank. International Visa and Mastercard cards are also available at a number of Uzbek banks; however, the Uzbek sum (UZS) is practically not used for settlements and conversion outside the country.

Amounts in UZS and cash collection

The Uzbek sum (UZS) has a low denomination: the page-load calculation for 1 USD in UZS is 10,684.89 UZS. Large amounts in Uzbek sum (UZS) may appear as multi-digit numbers — this is normal for this currency. To receive cash in Tashkent, you should confirm the availability of this method in advance when submitting an application to ATM24.

Transfer conditions

Payment ecosystem of Uzbekistan: banks, cards, electronic wallets and transfers. Country — Uzbekistan. Receiving currency — UZS (Uzbek sum). Sending currency — RUB, USD, EUR and USDT. Transfer method — Visa/Mastercard bank card or cash. ATM24 commission — from 0.9%. Crediting time — from several minutes.

Payment systems and services

Payment ecosystem of Uzbekistan: major payment systems and services. National Uzcard system — one of the primary payment systems in Uzbekistan, operating since 1997 and widely represented in banks and retail outlets across the country. National HUMO system — the second national payment system of Uzbekistan, actively developing and issued by major banks in the country. Click wallet — one of the most popular payment services in Uzbekistan with QR payment support, transfers, utilities payment and other services. Payme wallet — a popular electronic wallet with a wide partner network and the ability to transfer funds by phone number. O!Pay wallet (O!Money) — a payment service for transfers and service payments without using a bank account. Regulator — Central Bank of the Republic of Uzbekistan (CBU), which regulates the banking sector and payment systems in the country. Bank hours — usually Monday–Friday 9:00 to 17:00; some banks operate on Saturdays until 13:00, while Click and Payme are available 24/7.

How to receive sum in Uzbekistan

Pick the way that suits the recipient — we agree the route and the details before payment

To Uzum Bank, Kapitalbank or HUMO/Uzcard card in sum

Visa, Mastercard, Uzcard and HUMO cards from Uzbek banks - Uzum Bank, Kapitalbank, Hamkorbank and others. You need 16 card digits and the recipient's full name. UZS credit — within several minutes, commission from 0.9%

  • NBU
  • Asaka Bank
  • Ipoteka Bank

Cash sum in major cities of Uzbekistan

UZS distribution through partner network in major cities of Uzbekistan. Current list of cities and payout locations — available from the manager when submitting an application. Suitable if the recipient needs cash without a card

  • Tashkent
  • Samarkand
  • Namangan

Card details and transfer route are clarified with the manager before payment - this locks in the ruble to sum exchange rate specifically for your transaction.

Rates and cost of a transfer to Uzbekistan

We accept RUB, USD, EUR and USDT — we pay out in UZS

Reference rate for today

  • RUB UZS

    119.19per 1 RUB

    10 000 ₽ = 1 191 940 UZS
  • USD UZS

    10,684.89per 1 USD

    100 $ = 1 068 489 UZS
  • EUR UZS

    12,110.3per 1 EUR

    100 € = 1 211 030 UZS
  • USDT UZS

    10,684.89per 1 USDT

    100 USDT = 1 068 489 UZS

What the recipient gets — at 1 USDT = 10,684.89 UZS

You sendPayout in UZS
100 USDT1 068 489 UZS
300 USDT3 205 466 UZS
500 USDT5 342 444 UZS
1 000 USDT10 684 888 UZS
5 000 USDT53 424 438 UZS
Reference values update automatically. The final fee and rate are locked in the request before payment.

Banks and payment infrastructure — Uzbekistan

Where recipients usually get the money in Uzbekistan

  • NBU

    NBU National Bank of Uzbekistan — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.

  • Asaka Bank

    State bank, one of the oldest. Visa/MC and Uzcard cards, wide presence in regions.

  • Ipoteka Bank

    State bank, mortgages and retail banking. Uzcard and Visa cards, mobile banking.

  • Kapitalbank

    One of the largest private banks. Visa, Mastercard cards, extensive ATM network across the country.

  • Hamkorbank

    Hamkorbank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.

How payments work in Uzbekistan

  • National currency

    The national currency of Uzbekistan is UZS (Uzbek sum). ATM24 credits transfers in sum with RUB to UZS conversion at the current rate without intermediate USD conversion.

  • Card systems

    National card systems Uzcard and HUMO are the primary domestic payment systems in Uzbekistan. Visa and Mastercard are also widely used in the country. ATM24 credits to Uzcard and HUMO cards through a partner bank, and to Visa and Mastercard cards directly.

  • Payment applications

    The Uzum super-app combines Uzum Market and Uzum Bank services into a unified ecosystem for payments, purchases and transfers.

  • Interbank transfers

    Interbank transfers are carried out through the national UZIPS (Uzinterbank) system, and UZS transfers between participating banks can be credited instantly. Banks in Uzbekistan usually operate Monday–Friday 9:00 to 18:00, some branches on Saturdays from 9:00 to 13:00 local time (UTC+5).

  • Financial regulator

    The Central Bank of the Republic of Uzbekistan (CBU) regulates the banking sector, licenses banks and controls foreign exchange operations. The CBU sets the official exchange rate of the sum against foreign currencies.

  • Features for ATM24

    Transfers to Uzbekistan via ATM24 are available to Uzcard and HUMO cards through a partner bank, as well as to Visa and Mastercard cards directly. Uzum Bank online services are available 24/7.

With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.

How the transfer works to Uzbekistan

Three steps from request to payout

  1. Step

    Send a request

    Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route

  2. Step

    Agree the route

    We check the recipient details and confirm the route, rate, fee and payout amount

  3. Step

    Pay for the transfer

    Once paid, the transfer goes out along the agreed route — we report the status in the messenger

What to prepare for the transfer

To Uzum Bank, Kapitalbank or HUMO/Uzcard card in sum

  • You need 16 card digits and the recipient's full name

We verify the exact details when agreeing the available route before payment.

Why people choose ATM24

Facts, not promises

No surprises on the rate

You see the rate, the fee and the payout amount before you send the money.

Request to UzbekistanLocked in
Rate
1 USDT = 10,684.89 UZS
Payout method
Bank transfer
Payout currency
UZS
The rate and the amount are locked when the request is confirmed and do not change afterwards.

Terms are known before payment

The route, rate, fee and payout amount are agreed before payment.

  • Route
  • Rate
  • Payout amount

Cash payout

Reference cities with payout locations. Availability of a specific location is confirmed in the request.

  • Tashkent
  • Samarkand
  • Namangan

Confirm the city before payment

Available payout options

Only methods present in both the country description and the current route are shown.

You send
  • RUB
  • USD
  • EUR
  • USDT
UZS
They receive
  • Bank transfer
  • Cash

Customer reviews

Real stories from real people

Владимир

Google

Manager Stanislav helped to sort things out, the rate is very pleasant, I recommend it.

Read full review

alxblk

Google

The rate is lower than other exchangers. They responded quickly, I withdrew promptly

Read full review

Мария Очирова

Google

The deal went quickly, delivery right to the hotel, very high customer focus from manager Stanislav, thank you!

Read full review

Transfers to other countries

We agree the rate and the payout method before payment — pick where the money goes.

Frequently asked questions about the ruble in Uzbekistan and transfers

We've collected answers to frequently asked questions about the ruble in Uzbekistan, sum and transfers from Russia.

How can I send money to Uzbekistan with payout in UZS through ATM24?

To arrange a UZS payout in Uzbekistan, ATM24 first checks the receiving channel for the Uzbekistan UZS payout route. The route is confirmed before payment, including Kapitalbank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

Can the recipient receive a transfer on a card or bank account in Uzbekistan in UZS?

Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Uzbekistan in UZS on the Uzbekistan UZS payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Ipak Yuli Bank may require a different set of details than Asakabank, so card and account routes are confirmed separately. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

Which banks can receive a transfer to Uzbekistan in UZS?

For Uzbekistan, ATM24 can review a UZS payout through banks such as Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.

What recipient details are needed to send money to Uzbekistan in UZS?

To prepare a UZS payout in Uzbekistan, start with the exact recipient name and receiving route. ATM24 checks Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

How long does a money transfer to Uzbekistan in UZS take?

A money transfer to Uzbekistan in UZS can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as National Bank for Foreign Economic Activity of the Republic of Uzbekistan or Asakabank. Documents or bank review can extend the processing time. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

What is the fee for sending money to Uzbekistan with payout in UZS?

The fee for sending money to Uzbekistan with payout in UZS is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through Ipak Yuli Bank or National Bank for Foreign Economic Activity of the Republic of Uzbekistan, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

Can I pay by international card, bank transfer, or USDT while the recipient receives UZS in Uzbekistan?

Yes, ATM24 can calculate a transfer to Uzbekistan in UZS where the sender pays by an available payment method. The manager checks whether payout should go through Click, Payme, or Uzum, a bank-issued card, or a bank such as Kapitalbank. The Uzbekistan UZS payout route is confirmed separately from card-issuer fees, sending-bank costs, and USDT network costs. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

What is the minimum and maximum transfer amount to Uzbekistan in UZS?

For Uzbekistan, the minimum UZS transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Kapitalbank, Ipak Yuli Bank, recipient details, payout method, and document requirements before payment. A route through Ipak Yuli Bank may have different limits than a card or non-bank payout. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

What documents are needed for a large transfer to Uzbekistan in UZS?

A large UZS payout to Uzbekistan can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

How much will the recipient get in UZS if I send 1000 USD to Uzbekistan?

For a 1000 USD transfer to Uzbekistan, the live UZS estimate depends on the current ATM24 route: 10,684,887.51 UZS. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Kapitalbank or Ipak Yuli Bank. The final UZS amount is fixed before payment. Bank-route examples for Uzbekistan: Kapitalbank, Ipak Yuli Bank, National Bank for Foreign Economic Activity of the Republic of Uzbekistan, Asakabank, and Hamkorbank.

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