Uzum Bank customers are facing the end of the" golden period " of favorable conditions. What many thought was almost a fairy tale will soon become history. The promotion, which was valid until June 30, ends.
Starting from July 1, 2025, free transfers of up to 100 million soums per month from the Uzum card to the Uzcard and Humo cards will be discontinued (this feature is still available and valid until the end of the month).
Other benefits of the Uzum card that may also be canceled or will be available under new conditions: withdraw cash from any ATMs in the country without commission, pay for transport trips at a minimum price of 650 soums with cashback (for trips on the metro and buses in Tashkent, just pay with a QR code or Uzum card and immediately get a refund on the card). The opportunity to make purchases in Uzum Market and Uzum Tezkor services with discounts of up to 30% with an Uzum Visa card.
All this did not require any additional conditions — it was enough to have a map and use it. Officially, this is presented as the end of the promotion, but, in fact, we are talking about a complete change in the principles of operation of the service, to which users have already become accustomed.
What is waiting for users now?
Starting from July 1, 2025, free transfers and simple bonuses will no longer be available in the same form. To activate free transfers of up to 100 million soums on Uzcard and Humo, you will first need to place and receive an order in Uzum Market. Only then will you be able to send money without commission. In fact, free transfers now become a bonus for purchases, and not a standard feature of the card.
That is, the money that the user would spend on the commission for transferring money from card to card – they pay for the goods in Uzum's services by "deposit". However, the future interest rate for the transfer from the Uzum card has not yet been announced. But, let's assume that the user purchases goods worth 200,000 soums to activate the card option and make interest-free transfers. If these 200,000 soums = 1% of the transfer fee (as with many other payment systems), then the user pays in advance their transfer fee of twenty million soums. On the one hand, on the scale of 100 million soums, it is more profitable than just paying a commission of 1% every time. On the other hand, under the previous conditions, the user did not pay anything, and now he is forced to spend exactly as much as the product will cost in Uzum Market. By the way, the minimum amount required to make a purchase to activate interest-free transfers from an Uzum card is also not mentioned yet, and it is not known whether these conditions will be met at all. On the third hand, the middle class of citizens rarely make transfers of 20 million (if we focus on the example given above), since the average salary in Uzbekistan is 5.796 million soums (according to gazeta.uz for the first quarter of 2025).
The scheme with cashback for travel has also changed. You can no longer just pay for your trip and get a refund. Again, first you need to make any purchase with an Uzum card (except for transport, installments and microloans). Only after that, cashback is activated, which will be distributed for 50 trips per month.
All the above information about the transformation of the terms of use of the Uzum card appeared only in the Uzum Bank application, while it has not yet been published on the bank's website or on social media pages. Also, the mobile app notes that the new terms and conditions will be valid until July 31, 2025.
The new policy causes mixed feelings. Yes, such changes were expected — it is difficult to keep such generous terms in a commercial bank for a long time. But still, when the profitable and convenient turns into a series of restrictions and conditions, it brings moral and financial discomfort.
