Uzum Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Uzum Bank is a straightforward Uzbek debit card for people who want a Visa they can use in their home market without a monthly charge. It suits everyday spending rather than travel money, with a free monthly fee of UZS 0 and free ATM withdrawals up to UZS 10,000,000.
Key facts
- Best for
- Paying and withdrawing cash in Uzbekistan with a Visa and no monthly fee.
- Monthly fee
- UZS 0 (Source, checked September 26, 2026)
- Free ATM withdrawals
- UZS 10,000,000 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- AJ Uzum Bank (Source, checked September 26, 2026)
- Headquarters
- Uzbekistan (Source, checked September 26, 2026)
- Features
- Virtual card
- Official website
- uzumbank.uz
Credit cards
Pros and cons
Pros
- Monthly fee of UZS 0 on the account
- Free ATM withdrawals up to UZS 10,000,000, ahead of the debit card median of €0
- A virtual card option, virtual card, alongside the plastic Visa
- Licensed by the Central Bank of the Republic of Uzbekistan, licence 88
Cons
- A single market focus, with the bank headquartered in Uzbekistan, so it does not suit a multi-country money setup
- Rewards are not among its listed features (virtual card), so card spending earns nothing back
- It is a debit card, so purchases draw on your balance rather than building a credit history
Who it suits
- People living and working in Uzbekistan who need a Visa debit card
- Anyone who wants free ATM cash without paying a monthly fee
- Shoppers who want a virtual card option for online payments
Who should look elsewhere
- Anyone spending in several countries, who would be better served by Wise
- People who want a Visa that earns cashback, such as Varo Believe Secured Credit Card
- Credit card shoppers building a credit history, who would be better served by Chime Card (Secured Visa Credit Card)
Who runs it
Uzum Bank is issued as AJ Uzum Bank and is headquartered in Uzbekistan. It is supervised by the Central Bank of the Republic of Uzbekistan, which lists the bank under licence 88. The card it issues is a Visa debit card rather than a credit card, so purchases draw on your own balance.
How Uzum Bank compares
Where Uzum Bank is available
- Available
- Uzbekistan
- Licence in Uzbekistan
- Central Bank of the Republic of Uzbekistan (88), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Uzum Bank charge to keep the card?+
The monthly fee on the Uzum Bank card is UZS 0. That matches the debit card median of €0, and the top of the debit range is €99, so a monthly charge is not unusual on this type of card.
How much cash can I take out free at ATMs?+
Free ATM withdrawals run up to UZS 10,000,000 on the Uzum Bank card. The debit card median allowance is €0, so this sits well above the typical figure in the group.
Is my money protected by a regulator?+
Uzum Bank is licensed by the Central Bank of the Republic of Uzbekistan, licence 88. Deposits sit with a bank rather than a non-bank, which is the main protection point to weigh.
Can I open an online card as well as a plastic one?+
Uzum Bank offers a virtual card, listed as virtual card. Virtual cards are less common than debit cards, at 39.2% of the listings, so this is a rarer choice in the group.
Which network does the Uzum Bank card run on?+
The card is a debit card on the visa network, which covers most of the Uzbekistan market and travels abroad. Visa accounts for 58.6% of the cards on the site.
Who is the Uzum Bank card for?+
It is aimed at people who live and spend in Uzbekistan and want a Visa without a monthly charge, with a monthly fee of UZS 0 and free ATM withdrawals up to UZS 10,000,000. The bank is headquartered in Uzbekistan, which suits a single market.
Does the Uzum Bank card offer rewards?+
Rewards are not listed for this card, so treat it as a plain spending card rather than a cashback product. Cards with cashback make up 49.5% of the listings, so earning something back is common elsewhere.
Sources
- cbu.uz/en/credit-organizations/banks/head-offices/chb/ape... checked September 26, 2026
Backs: Licences
- play.google.com/store/apps/details checked September 26, 2026
Backs: Legal entity
“Uzum Bank AJ with Central Bank of Uzbekistan license №88”
- uzum.com/en/press-center/news-and-press-releases/uzum-ban... checked September 26, 2026
Backs: Card network
“Uzum Bank and Visa Launch Plastic Debit Cards”
- uzumbank.uz checked September 26, 2026
Backs: Headquarters
“Uzum Bank - Reliable Digital Bank of Uzbekistan”
- uzumbank.uz/en/card checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Features, Monthly fee
“commission-free withdrawals up to 10,000,000 UZS monthly at Uzum Bank ATMs”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.