Uzum Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Uzum Bank suits everyday spending inside Uzbekistan, where its Visa debit card carries a monthly fee of UZS 0 and free ATM withdrawals of UZS 10,000,000. It is licensed by the Central Bank of the Republic of Uzbekistan, so the money sits with a bank rather than a crypto platform.
Pros and cons
Pros
- Free ATM withdrawals of UZS 10,000,000 set it apart, against a site median allowance of €0.
- The monthly fee is UZS 0, matching Monzo Flex at £0 and Bitpanda at €0, so there is no recurring charge to weigh up.
- A debit card on visa covers everyday spending, with a virtual card also offered for online payments.
Cons
- The debit card spends a bank balance, so crypto holdings are not the funding source at checkout.
- Supervision sits with the Central Bank of the Republic of Uzbekistan under licence 88, which makes this a card for a single market.
Who it suits
- People who live and work in Uzbekistan and pay day to day in som.
- Customers who want a free Visa debit card for a bank account rather than a crypto platform balance.
- Anyone who takes out a lot of cash and wants free withdrawals.
Who should look elsewhere
- Monzo Flex, which also charges £0 a month, for anyone whose card gets used outside Uzbekistan.
- Wise, also at £0 a month, for anyone who needs to hold money in several currencies instead of a debit bank card.
Who runs it
The card is issued by AJ Uzum Bank, the banking entity behind the app. Supervision sits with the Central Bank of the Republic of Uzbekistan, and the licence number listed there is 88. Holding the account with a licensed bank rather than a crypto platform is the point of the setup: everyday money and card spending sit in the same place.
How Uzum Bank compares
Bitpanda charges €0 a month, so the monthly line is level too, and the choice comes down to crypto features against a debit bank card on visa for spending in Uzbekistan.
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 the Uzum Bank card cost each month?+
The monthly fee is UZS 0, so the card carries no recurring charge at all. That matches Monzo Flex at £0, Wise at £0 and Bitpanda at €0, so the monthly line is not where this card stands out. Free cash withdrawals of UZS 10,000,000 are the bigger number here.
Is the Uzum Bank card a debit, prepaid or virtual card?+
It is a debit card, so spending draws straight on the bank balance, and a virtual card is offered as well. Debit cards account for 73.4% of the cards compared here, so this is the mainstream type rather than an unusual one.
Which network does the Uzum Bank card run on?+
The card runs on visa, and 57.6% of the cards compared here run on that same network. That makes it the most common choice in this set, so the card should be accepted wherever cards of this type are taken.
How much can I take out of ATMs for free?+
Free withdrawals run to UZS 10,000,000, which is more generous than the median allowance of €0 across the cards compared here, where a large share offer no free withdrawals at all.
Is Uzum Bank regulated?+
Yes. The card is issued by AJ Uzum Bank, which is supervised by the Central Bank of the Republic of Uzbekistan. The licence number listed for the bank is 88, so the account is held at a supervised bank.
Does Uzum Bank hold crypto or plain bank money?+
The debit card draws on the balance held at AJ Uzum Bank, a bank account rather than a token balance, so crypto holdings are not the funding source for payments. Buying crypto needs a dedicated platform.
Can I get a virtual card for online payments?+
A virtual card is available, which suits online shops and subscriptions where a physical card would be exposed. It is offered alongside the debit card from AJ Uzum Bank on the visa network, and the standard card costs UZS 0 a month.
Who is the Uzum Bank card for?+
It suits people who are paid and spend in Uzbekistan and want a debit Visa card with a monthly fee of UZS 0 and generous free cash withdrawals. It does not suit anyone who needs a card for markets where the bank holds no licence, since supervision is Uzbek only.
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/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 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.