Payment Card Year Books

Uzbekistan 2019/2020

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Payment Organisation

National Interbank Payment System (UZKART). 

Domestic Card Brand

UzCard cards. 

Market Structure

Historically, more than 80% of cards issued were domestic-only UzCard cards using Duet smart card technology. From 2015, UzCard cards are issued as EMV cards branded with the new UzCard logo. From 2018, UzCards are co-badged with UnionPay. 

International cards, mainly VISA-branded, have only a small presence in the market. 

Although bank depositors’ funds are guaranteed by the state, the vast majority of payments are conducted in cash, reflecting widespread distrust of the banks.

Agrobank and National Bank of Uzbekistan are the dominant banks.

With its diversified economy and solid growth rates, Uzbekistan’s economy is less dependent on international money transfers than some neighbouring countries. 

Notable Market Trends

Rollout of UzCard EMV cards, contactless cards and POS terminals. 

Statistical Key Figures for 2018 provided in this profile:

UPDATED: tables with card business data 2014-2018; growth rates: Y-o-Y, CAGR
Population, Cards per Capita, Card Value per Capita
Debit Cards, Credit/Delayed Debit Cards, Total Cards
Card payments by number and by value, ATV per card, payments per card/year
ATMs, POS terminals, ATMs/POS terminals per 1 million capita
ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
POS payments by number/by value, ATV per POS payment, TXs per POS/month
Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
Issued Card brands by individual major issuer bank
Accepted card brands by individual major acquirer
Drill down into the debit card use and credit cards use details

Product information

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1.1 last updated 12th January 2020