We reviewed the banks in Uzbekistan that are actually accessible to foreigners and non-residents: who accepts them, which documents are required, which cards work and how to send money from Russia. Data is current as of October 2026.
Uzbekistan has 34 commercial banks. As of 1 August 2026 their assets totaled UZS 1,016.6 trillion, and about 62% of that belongs to state banks. The largest by assets are the National Bank of Uzbekistan, Agrobank, Uzpromstroybank and Kapitalbank, the last being the largest bank without state participation. But size does not equal accessibility: state banks usually do not publish terms for foreigners.
The ranking is written for expats, Russian speakers and other non-residents who are relocating, visiting, working in the country or getting a card for payments. We look at whether a bank opens an account for a foreigner, which documents it asks for, whether it publishes tariffs, which payment networks it issues and whether it offers Russian-language support. Asia Alliance Bank is first because it has published tariffs and a leaflet for non-residents. Mir cards and Russian-issued Visa and Mastercard do not work in the country, so no bank in the ranking promises them.
The practical order is this: arrange your registration, get a PINFL (personal identification number), choose a bank that fits the length of your stay and visit a branch in person. A non-resident cannot open the first account remotely, and the banking app needs an Uzbek SIM card in your name. Terms differ: Octobank asks for registration of more than three months, while Kapitalbank asks for a stay of more than 15 days.
A private bank that publishes tariffs and a leaflet for non-residents. The account and card are arranged in person with a passport, a PINFL and proof of stay.
The largest privately owned bank in Uzbekistan, with UZS 62.1 trillion in assets. Non-residents need a PINFL, registration and more than 15 days of stay; the first account is opened in person only.
The former Ravnaq Bank, with a dedicated section of Visa and Mastercard cards for non-residents. It requires more than three months of registration in the country and a document on work, study or income.
A large private bank with international shareholders. Non-residents can open an account only at the head office in Tashkent, and Russians need a PINFL.
State-owned bank, second in the country by assets. It issues Uzcard-UnionPay and was the first to launch UnionPay-HUMO; it does not publish terms for non-residents.
A state-owned bank that issues the Uzcard-UnionPay card online through the Zoomrad app. Card tariffs are published; check the terms for non-residents.
The country's largest state-owned bank, with a wide range of Visa, Mastercard, Uzcard and Humo cards. The bank does not publish terms for non-residents or Russians.
A large private bank with UnionPay, Visa, Uzcard and Humo cards and a website in Russian. The bank does not publish terms for non-residents.
The country's third-largest bank by assets, with UnionPay Diamond, Mastercard World Elite and Visa Infinite cards. It does not publish terms for non-residents.
A digital bank of the Uzum ecosystem, second in the country by number of cards. It launched SBP transfers from Russia in 2024; the app needs an Uzbek number in your name and a PINFL.
A digital bank of the TBC group and the Payme service. It offers TBC Salom, TBC Osmon and UZCARD-UnionPay cards; the bank does not publish terms for non-residents.
A digital bank that is quickly growing its card base. Residents get a card in the app, while non-residents usually need to visit a branch in person.
No, a non-resident opens the first account only in person: bank leaflets require documents to be presented personally. The exception is additional accounts for a customer who already has an account at the bank; these can be opened remotely since 12 November 2025.
A passport, a PINFL and proof of stay, such as a temporary registration certificate. Octobank also asks for a document on work, study or income. A PINFL is issued by public service centers and migration departments of the Interior Ministry.
No. Uzcard stopped serving Mir cards on 23 September 2022, and in November 2022 the Central Bank of Uzbekistan said that resuming service was not under consideration.
A Russian UnionPay card at terminals and ATMs with UnionPay, Uzcard or Humo logos (results are unstable), a local Uzcard or Humo card, a non-Russian foreign Visa or Mastercard, or cash.
The simplest way is to send rubles to an Uzcard or Humo card from the app of VTB, Sberbank or T-Bank. At VTB a transfer by phone number costs 0%, and by card number 1% (minimum RUB 50). Since July 2026 the Golden Crown service has worked with interruptions because of EU sanctions.
There is no universal answer. By openness of terms we put Asia Alliance Bank first, and Kapitalbank is the largest among private banks. The result depends on how long you will stay and which card you need.
Practically yes. Since 22 April 2026 apps match the phone number against the cardholder's PINFL and require biometrics. The card itself keeps working at ATMs and terminals.
Import is not limited, but a customs declaration is required from UZS 100 million (about USD 8,300). A non-resident can take out more only up to the declared amount. The penalty for a violation is 3 to 5 basic calculation units or confiscation.
