Commission fee for servicing individuals

Opening and maintenance of bank accounts, deposit accounts

1.1 Statement of account issued upon the Client's request (duplicate) and a certificate of account status
10% of One Basic Estimated Amount, including VAT
1.2 Issuance of paying-in book in exchange for the lost one
10% of One Basic Estimated Amount, including VAT
1.3 Investigation of the transactions of a card issued by the Bank as initiated by the owner of a special card account
a) For local bank cards in the national currency
15% of One Basic Estimated Amount, including VAT
b) For international bank cards in foreign and national currency:
- expressed in up to USD 100
- expressed in up to USD 100 (including) and more
- USD 5
- 1% of transaction amount, but not less than USD 10
1.4 Search for a special card account by the owner or heirs
15% of One Basic Estimated Amount, including VAT
1.5 Submission of an international card account statement on the official letterhead of the Bank
UZS 10,000, including VAT
1.6 Plastic card in the national currency of the Republic of Uzbekistan
1.6.1 Issue of the main card:
- UzCard - validity 3 years;
- UzCard co-badged card - MIR - validity 3 years;
- HUMO - validity 5 years.
a) For wages, as well as for pensions, allowances, and scholarships. UzCard/UzCard co-badged card - MIR/HUMO
no commission fee
b) To an individual who is not related to subparagraph 1.6.1. a) as well as the issue of an additional or family card (UzCard/UzCard co-badged card - MIR/HUMO)
UZS 50,000, including VAT
c) HUMO Virtual
no commission fee
1.6.2 Reissue and extension of the validity period of the main card a month before and after the expiration of the card related to subparagraph 1.6.1. a) as well as card replacement in case of technical malfunction of the main, additional or family UzCard /UzCard co-badged card - MIR/HUMO
no commission fee
1.6.3 Reissue and extension of the validity period of the main, additional or family card a month before and after the expiration of the card not related to subparagraph 1.6.1. а) UzCard /UzCard co-badged card - MIR/HUMO
UZS 50,000, including VAT
1.6.4 Replacement of in case of loss, damage and deterioration of the main, additional or family card UzCard /UzCard co-badged card - MIR/HUMO
UZS 50,000, including VAT
1.7 International bank cards in foreign and national currency
1.7.1 Issuing card (emission):
a) Visa Virtual* (USD)/(UZS) to pay for goods and services online
UZS 10,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 5 / UZS 50,000
b) Issue and reissue a month before and after the expiration of the wage, pension, allowances, scholarship card (for any type of Visa card (Classic, Gold, Platinum)/ Mastercard (Standard, Gold, Platinum)) in foreign and national currency (USD/UZS))*
no commission fee
- minimum balance and down payment (unchanged until the card account is closed)
no security deposit
*All other commissions for Visa cards are used depending on the type of Visa card according to the current tariffs for commission fee for individual customers of the National Bank of the Republic of Uzbekistan for Foreign Economic Activity
c) Visa Classic (USD)/(UZS)
UZS 70,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 25 / UZS 200,000
d) Visa Gold (USD)/(UZS)
UZS 120,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 50 / UZS 400,000
e) Visa Platinum (USD)/(UZS)
UZS 220,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 100 / UZS 800,000
f) Co-branded Visa Gold card (USD)/(UZS)
UZS 170,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 50 / UZS 400,000
g) Co-branded Visa Platinum card (USD)/(UZS)
UZS 270,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 100 / UZS 800,000
h) Visa Infinite (USD)/(UZS)
UZS 5,000,000, including VAT
- minimum balance and down payment (unchanged until the card account is closed)
USD 200 / UZS 1,600,000
- annual service of the card
UZS 1,000,000
i) MasterCard Virtual* (USD)/(UZS) for online payment for goods and services
No fee is charged
- minimum balance and down payment (remains unchanged until the card account is closed)
USD 5 / UZS 50,000
* MasterCard Virtual is used only for online payment for goods and services, this card cannot be used in terminals and ATMs
j) MasterCard Standard (USD)/(UZS)
UZS 70,000, including VAT
k) MasterCard Gold (USD)/(UZS)
UZS 120,000, including VAT
l) MasterCard Platinum (USD)/(EUR)
UZS 220,000, including VAT
m) MasterCard World Elite (USD)/(EUR)
UZS 700,000, including VAT
n) Mastercard Platinum FlyDubai (USD)
no commission fee
- minimum balance and down payment (unchanged until the card account is closed)
no security deposit
o) Issuing Visa/MasterCard* International Cards
1) for residents and non-residents with a permanent residence or work in the Republic of Uzbekistan
1) commission fee depending on the type of Visa/Mastercard
2) for non-residents who does not have a permanent residence (Visa Classic/Gold/Platinum, Mastercard Standard/Gold/Platinum/World Elite)
2) 2,000,000 UZS including VAT
3) for non-residents who does not have a permanent residence (Visa Infinite)
3) 5,000,000 UZS including VAT
p) Solfy Installment Card (UZS)
No fee is charged
- minimum balance and initial payment (remains unchanged until the card account is closed)
Used depending on the type of Visa/Mastercard
* All other commission fees for Visa/Mastercard cards depend on the type of Visa/Mastercard and are calculated according to the current commission fee rates for servicing clients (individuals) of the NBU
1.7.2 Re-issue of a primary and / or additional Visa bank contact card instead of a contactless Visa bank card with NFC technology
а) MasterCard Standard (USD)/(UZS)
UZS 40,000 including VAT
b) MasterCard Gold (USD)/(UZS)
UZS 50,000 including VAT
c) MasterCard Platinum (USD)/ Mastercard Platinum FlyDubai (USD)
UZS 60,000 including VAT
d) MasterCard World Elite (USD)
UZS 100,000 including VAT
1.7.3 Reissue of main and/ or additional card (change of the name of the client, loss / damage of the card, loss of password, suspected commission of fraudulent acts), as well as in case of non-return by the client to the bank, including, when applying to close a special card account:
a) Visa Classic (USD)/(UZS)
UZS 35,000, including VAT
b) Visa Gold / Co-branded Visa Gold (USD)/(UZS)
UZS 40,000, including VAT
c) Visa Platinum / Co-branded Visa Platinum (USD)/(UZS)/ Solfy Installment Card (UZS)
UZS 60,000, including VAT
d) Visa Infinite (USD)/(UZS)
UZS 100,000, including VAT
e) MasterCard Standard (USD)/(UZS)
UZS 40,000, including VAT
f) MasterCard Gold (USD)/(UZS)
UZS 50,000, including VAT
g) MasterCard Platinum (USD)/(EUR)
UZS 60,000, including VAT
h) MasterCard World Elite (USD)/(EUR)
UZS 100,000, including VAT
Note: When providing/using other services of the bank under this section, no commission is charged
1.7.4 Reissue of the main and / or additional card at the initiative of the bank, according to the conclusion of the processing center of JSC National Bank
no commission fee
1.7.5 “Vanity Phone Number” service when issuing international Visa/Mastercard cards (selection from the list of provided phone numbers)
UZS 5,000,000.00, including VAT

Transactions on bank accounts / cards in cash / non-cash form, payment for retail banking services

2.1 Bank commission charged for cash/ non-cash transactions on deposit accounts / bank cards of a client-individual:
a) Transfer of funds from a deposit account / bank card / cash, etc. to the account of an individual, legal entity, individual entrepreneur, etc. except for:
- the purchase of housing built according to the State Program or through the Uzbek National Bank's own funds;
- the purchase of apartments by military personnel;
- amounts of initial payments on mortgage /car loans and consumer loans issued by the Uzbek National Bank;
- according to the courts' and other governmental authorities' decisions, and pursuant to decisions/orders of the Government;
- according to the certificate of inheritance;
- mortgage/car loan down payment previously made in cash/ non-cash form;
- payment for goods/services/ transfer of funds as partial payment for apartments in new buildings in favor of legal entities whose accounts are opened with the NBU;
- transfer of funds for the purchase of state assets;
- to other accounts of the client opened in branches of the Uzbek National Bank.
0.5% of the transaction amount
b) Transfer of payments in favor of the organization and institutions for the use of the following services:
- rent, utilities (natural gas, electricity, heat, cold and hot water, removal of household waste and other services);
- subscription fee for landlines telephone communications, long-distance calls, mobile communications, Internet providers services, cable television, etc.
up to 2% of transaction amount - The commission is charged from the organization and institution according to the contract concluded
c) Repayment of loans, except for loans from the National Bank
1% of the transaction amount
d) For the purchase of new cars and trucks:
- cash
- non-cash
except for acceptance of payments in favor of clients (legal entities), who concluded the contracts with the NBU for payments acceptance
No commission fee
0.5% of the transaction amount
e) Transfer in the form of a sponsorship (charitable) assistance within the Republic of Uzbekistan
0.1% of the transfer amount
f) Taxes, fees, penalties and other payments to National Highway Traffic Safety Administration/Ministry of Internal Affairs, Treasury, Public Services Center, services of the Ministry of Justice, Compulsory Enforcement Bureau (MIB), State Test Center
0.5% of the transfer amount
2.2 Telegraphic or electronic request and receipt of deposit transfer confirmation
0.1% of amount + cable expenses
2.3 Money transfer from the account in foreign currency outside the Republic
0.5% of the transfer amount + SWIFT/TELEX expenses
2.4 Transfer of deposits in foreign currency from the National Bank of the Republic of Uzbekistan to the accounts of the client opened in his name in other banks of the Republic
0.1% of the transfer amount + SWIFT/TELEX expenses
2.5 Transfer of deposits in the national currency from the National Bank of the Republic of Uzbekistan to the accounts of the client opened in his name in other banks of the Republic
0.5% of the transaction amount
2.6 SWIFT/TELEX communication in any direction
25% of One Basic Estimated Amount
2.7 Money transfers from the account in foreign currency inside the Republic
0.2% of the transfer amount + SWIFT/TELEX expenses
2.8 Transfer / transfer of funds received by bank transfer (SWIFT) in foreign currency from abroad to a bank card account opened in your own name / account of another individual of a client of the National Bank of Uzbekistan
0.3% of the transaction amount
2.9 Cash withdrawal via ATMs
a) ATM connected to the NBU processing center for servicing Visa/Master cards of other banks
1% of the transaction amount
b) ATM connected to the UzCard/HUMO processing center for cards servicing:
UzCard/UzCard co-badged card - MIR/HUMO/International cards
1% of the transaction amount
2.10 Cash withdrawal at the ATM in the NBU or its servicing branches:
a) Terminal connected to the NBU processing center for servicing Visa/Master cards of other banks
1% of the transaction amount
b) Terminal connected to the UzCard/HUMO processing center for cards servicing:
UzCard/UzCard co-badged card - MIR/HUMO/International cards
1% of the transaction amount
2.11 Loan repayment via self-service devices of the National Bank of the Republic of Uzbekistan (ATM or infokiosk)
0.5% of the transaction amount
2.12 Processing of transactions on cash receipt at terminals or ATMs of another bank with the card issued by the NBU:
a) Visa Classic (USD/UZS) except for transactions that pass through infrastructure registered in the Republic of Uzbekistan
0.5% of the transaction amount
b) Visa Gold / Co-branded Visa Gold (USD)/(UZS)
1% of the transaction amount
c) Visa Platinum / Co-branded Visa Platinum (USD)/(UZS)
1% of the transaction amount
d) Visa Infinite (USD)/(UZS)
1% of the transaction amount
e) MasterCard Standard (USD)/(UZS)
1% of the transaction amount
f) MasterCard Gold (USD)/(UZS)
1% of the transaction amount
g) MasterCard Platinum (USD)/(EUR)
1% of the transaction amount
h) MasterCard World Elite (USD)/(EUR)
1% of the transaction amount
i) Mastercard Platinum FlyDubai (USD)
1% of transaction amount (When withdrawing in the UAE - 0.5% of the transaction amount)
Note: For MasterCard bank cards, if the card currency differs from the transaction currency, the amount of 2% will be temporarily blocked
2.13 Processing of transactions on non-cash payment for goods and services in the infrastructure of another bank (terminal/self-service terminal/online, etc.) from the card issued by the NBU:
a) Masterсard Platinum (EUR)
0.5% of the transaction amount
b) Masterсard World Elite (EUR)
0.5% of the transaction amount
Note: For MasterCard bank cards, if the card currency differs from the transaction currency, the amount of 2% will be temporarily blocked
2.14 Payment of cash in national currency:
a) received from the client's deposit accounts from other banks / from the accounts of other individuals / legal entities / individual entrepreneurs
1% of the transaction amount
b) Received on the basis of courts' and other governmental authorities' decisions, and pursuant to decisions/orders of the government
0.5% of the amount
c) Received as a compensation for the demolition of real property
1% of the amount
d) For micro loans
1%
2.15 Withdrawal of cash in foreign currency:
a) received in cash
no commission fee
b) received in non-cash form
0.5% of the transaction amount
2.16 Exchange of one currency for another currency received in non-cash form or deposited in cash to the client's account
1% of the amount
a) currency received by the customer's account in cash / non-cash (excluding RUB)
no commission fee
b) conversion of RUB currency received in cash / non-cash on the customer's account into USD / EUR / JPY / GBP / CHF
10% of the amount
2.17 Change of cash in foreign currency to banknotes of the same currency (in large or in small bills)
1% of the amount
2.18 Collection of worn foreign currency on behalf of the client, with the subsequent exchange in foreign banks
10% of the amount + expenses of a foreign bank in cash form or payment with a plastic card
2.19 Provision of information on counterfeit foreign banknotes
UZS 140,000, including VAT per a batch
2.20 Acceptance and exchange of worn banknotes:
a) Expressed in up to USD 500,000
5% of the amount in UZS at the rate of the Central Bank of Uzbekistan on the day of payment
b) Expressed in up to USD 500,000 and more
1% of the amount in UZS at the rate of the Central Bank of Uzbekistan on the day of payment
2.21 Verification of authenticity of foreign banknotes
UZS 600, including VAT
2.23 Processing of transactions in the acquiring network of MIR National Payment Card System outside the Republic of Uzbekistan using the UzCard-MIR co-badged card
a) Cash receipt transaction
1.5 % of the transaction amount
b) Crediting (deposit)
1.3% of the transaction amount
c) Card balance inquiry
2,500 UZS including VAT
Note: When providing/ using other services of the bank under this section, no commission is charged

Service of personal checks

3.1 Collection and sending of personal checks
1.7 of One Basic Estimated Amount, including VAT + postal and telegraph expenses
3.2 Refund and cancellation of transfers and payments against the checks of foreign banks
1.7 of One Basic Estimated Amount, including VAT + postal and telegraph expenses
3.3 Submission of checks sent from abroad
upon agreement with the client
3.4 Cashing of personal checks/vouchers of the IDB
1% of the transaction amount

Remote services (sms, push notification, payment for various goods/works/services, online conversion, opening / closing deposits/accounts/cards and other services)

4.1 Services of "Milliy" Mobile Program (hereinafter referred to as Milliy MP)
4.1.1 1-month subscription fee for the use of "Monitoring" service statement the last 10 transactions through "Milliy" MP to holders of UzCard bank cards
UZS 1,000 for each enabled card
4.1.2 Money transfer from card to card (P2P) using the Milliy Mobile App
a) From UzCard cards
0.5% of the transaction amount
b) From NBU HUMO/Visa/Mastercard cards to NBU HUMO/UzCard/Visa/Mastercard cards
No commission fee
c) From HUMO cards to UzCard/HUMO cards of other banks
0.5% of the transaction amount
4.1.3 Transfer of money from the e-wallet to the e-wallet account of another National Bank client or card of other banks using Milliy MP
0.5% of the transaction amount
4.1.4 Transfer of funds from the National Bank's cards/ other banks to the e-wallet of the National Bank' in Milliy MP
a) With UzCard UZS bank cards
0.5% of the transaction amount
b) With HUMO/Visa UZS cards of the National Bank of the Republic of Uzbekistan
no commission fee
4.1.5 Transfer of funds from the e-wallet to the card of the National Bank of the Republic of Uzbekistan/ other banks/ demand deposit account of the National Bank in Milliy MP
a) With UZS UzCard cards (except for clients of the National Bank of the Republic of Uzbekistan with card and e-wallet opened under the same ID number)
0.5% of the transaction amount
b) With HUMO/Visa UZS cards of the National Bank of the Republic of Uzbekistan
no commission fee
4.1.6 Interbank transfer of funds from e-wallet account
0.5% of transaction amount
4.1.7 Loan repayment from the National Bank/other banks cards/e-wallets accounts
no commission fee
4.1.8 Payment from the bank cards of the Uzbek National Bank/ other banks and e-wallet account in Milliy mobile application
a) penalties and other fees to National Highway Traffic Safety Administration/Ministry of Internal Affairs, Treasury, Public Services Center, services of the Ministry of Justice, Compulsory Enforcement Bureau (MIB), State Test Center
1% of the transaction amount
b) Avtosanoat GM
- With UZS UzCard plastic cards
- With HUMO/Visa UZS/ UZS e-wallet plastic cards
0.5% of the transaction amount
no commission fee
c) Payment to the banking details:
- From UzCard bank cards
- From the Uzbek National Bank's HUMO/Visa bank cards, UZS/e-wallet
0.8% of the transaction amount (UZS 1,000 minimum)
0.5% of the transaction amount (UZS 1,000 minimum)
4.1.9 Transfer of funds from the NBU's international Visa card to the NBU's international Visa card (P2P) in Milliy MP
no commission fee
4.1.10 Transfer of funds from card to card of international payment systems (P2P) using the Milliy Mobile App:
a) Transfer of funds from the international Visa card of the NBU to the international Visa card of other banks (Р2Р) in Milliy Mobile App (Visa Direct)
1% of transaction amount (min – USD 1)
b) Transfer of funds from the international Mastercard card of the NBU to the international Mastercard card of other banks (Р2Р) in Milliy Mobile App (Mastercard Send)
2% of transaction amount (min – USD 1)
c) Transfer of funds from the international Mastercard Platinum FlyDubai to the international Mastercard card of other banks (Р2Р) in Milliy Mobile App (Mastercard Send)
1% of transaction amount (min – USD 1)
4.1.11 Payment for goods/works/services in Milliy MP via connected retail and service outlets and NBU E-POS terminal accepting payments with UZS plastic cards and e-wallet*
a) With UzCard UZS plastic cards
0.8% of the transaction amount
b) With UZS HUMO/Visa, e-wallet plastic cards
0.5% of the transaction amount
* If this service is paid for by the retail and service outlet according to subparagraph 7.4.4 of section 7 "For retail and service outlets servicing clients by cards and electronic wallets in the national currency" under the commission fee tariff for servicing legal entities and individual entrepreneurs, this service is provided free of charge.
4.1.12 Payment for goods / works / services in Mobile Payment System "Milliy" through the E-POS terminal of the National Bank on international cards of other banks (VISA, MasterCard, UnionPay International, etc.)
2.5% - 3% of the transaction amount on the day of receiving coverage from international payment systems
4.2 Delivery of bank cards, etc.
4.2.1 Delivery of bank cards by courier service:
a) Delivery within the city (where the courier service branch is located)
UZS 25,000, including VAT
b) Delivery to the regions of the region (where there is no branch of the courier service)
UZS 35,000, including VAT
Note: When using other services of the Bank under this section, no commission is charged

Crediting services rendered to clients

5.1 Amendments to the loan agreement upon the Client's request
UZS 2,000,000, including VAT
Note: When providing/ using other services of the bank under this section, no commission is charged

Services rendered to clients on individual safe deposit boxes

6.1 Renting of individual safe deposit boxes to clients:
a) 50 x 250 x 380 size
UZS 100,000, including VAT
b) 90 x 250 x 380 size
UZS 150,000, including VAT
c) 140 x 250 x 380 size
UZS 200,000, including VAT
d) 500 x 250 x 380 size
UZS 250,000, including VAT
6.2 Penalty for the loss of key to individual safe deposit boxes
UZS 1,700,000, including VAT

Commission fee for servicing individuals

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