In short: Suits those who want an inexpensive local card with UnionPay and the option to apply online. Terms for non-residents should be checked with the bank.
Terms for non-residents
- Non-residents
- Limited
- Remote account opening
- Partly
- Visa / Mastercard
- Check with the bank
- Russian-language support
- Yes
- Owner
- State
- License
- Central Bank of Uzbekistan license No. 48 of 22 March 1995
- Uzcard-UnionPay card
- UZS 44,000 to issue (free under a payroll program), free maintenance
- Cash withdrawal abroad
- 1% or UZS 25,000
- Card validity
- 3 years
- Networks and coverage
- Uzbekistan and more than 170 countries
- App
- Zoomrad; payment via Alipay+ for Humo cards (since March 2026)
Pros
- The Uzcard-UnionPay card can be ordered online via the Zoomrad app
- Card tariffs are published: UZS 44,000 to issue, free maintenance, 0% fee on transactions
- Suitable for payments abroad wherever UnionPay is accepted
- Bank website available in Russian
Cons and limits
- The card is in soums: purchases abroad are charged in soums at the bank's USD selling rate
- The wording on length of stay for foreigners on the card page is ambiguous
- Terms and documents for foreigners are described briefly on the card page
## About the bank
Aloqabank is a state-owned bank with Central Bank license No. 48, issued on 22 March 1995. It stands out for two things: an online application for a card with UnionPay, and published tariffs for it. In March 2026 HUMO enabled QR payments via Alipay+ for Humo cards in the bank's app; this applies to Humo cards, not to Uzcard-UnionPay.
## Account for non-residents
A 2025 Spot review names the bank among those where non-residents can get a card. The Uzcard-UnionPay page says foreigners are admitted when entering and residing in Uzbekistan. The wording on length of stay is ambiguous, so call the bank before applying.
The application is made online through the Zoomrad app, with identification done in the app itself. This is not fully remote opening for any foreigner: ask separately whether a PINFL (personal identification number) and a registration certificate are required. If you already have a PINFL, it will speed things up.
## Cards and payments
The main product for foreign customers is Uzcard-UnionPay, a soum card with NFC that works in Uzbekistan and, according to the bank, in more than 170 countries. It is valid for three years. Abroad, purchases are charged in soums at the bank's USD selling rate, and cash withdrawals cost 1% or UZS 25,000. Since the effective price depends on that rate, compare it with the official Central Bank rate before you travel. Mir cards do not work in Uzbekistan, and the bank gives no information on SBP (Faster Payments System).
## Tariffs and limits
| Parameter | Value |
|---|---|
| Issue | UZS 44,000 (free under a payroll program) |
| Maintenance | free |
| Transaction fee | 0% |
| Cash withdrawal abroad | 1% or UZS 25,000 |
| Validity | 3 years |
The tariffs follow the card page and may change. The limits are that the card is in soums, the terms for foreigners are vaguely worded, and the Zoomrad app requires identification.
## Who it suits
- Those who want an inexpensive local card with UnionPay and do not want to pay for maintenance.
- Those who prefer to apply online rather than visit a branch.
- Travelers who plan to pay in countries where UnionPay is accepted.
Before applying, ask whether a foreigner needs a PINFL and a registration certificate, how identification works in Zoomrad, and where to collect the card. Also ask how the bank sets its USD selling rate.
Frequently asked questions
Can a foreigner get an Aloqabank card?
According to Spot (2025), the bank is among those where non-residents can get a card. The Uzcard-UnionPay page says the card is issued to foreigners entering and residing in Uzbekistan, but the wording on length of stay is ambiguous. Check with the bank.
How much does the Uzcard-UnionPay card cost?
Issuance costs UZS 44,000, or is free under a payroll program. Annual maintenance is free and the fee on transactions is 0%.
How much does cash withdrawal abroad cost?
The fee is 1% of the amount or UZS 25,000. Purchases abroad are charged by the bank in soums at its USD selling rate.
In how many countries does the card work?
According to the bank, in Uzbekistan and more than 170 countries. This is UnionPay's general coverage, so check acceptance in a specific country on the payment system's website.
Does the bank support Alipay?
In March 2026 HUMO enabled QR payments via Alipay+ for Humo cards in the bank's app. This applies to Humo cards, not to Uzcard-UnionPay.