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.