UZCARD

A simple, secure, and convenient way to manage your money — anytime, anywhere.

The UZCARD Debit Card from Ipoteka Bank OTP Group gives you fast, secure access to your funds for all everyday transactions — payments, transfers, and cash withdrawals. No need to carry cash — your money is always protected and within reach.

Security and Technology

• Each card is equipped with a secure microchip that encrypts cardholder data, including your PIN.
• You can change your PIN anytime via info kiosks, ATMs, or at any branch.
• For visually impaired clients, tactile embossed markings make the card easy to identify.

Key Benefits

• Convenient payments. Pay for goods and services — contact or contactless — with no commission.
• Full control. Cover everyday expenses like utilities, mobile, and internet bills easily.
• Instant transfers. Send money card-to-card through mobile apps in seconds.
• Cash access. Withdraw funds at any UZCARD ATM or Ipoteka Bank branch across Uzbekistan.
• SMS banking. Manage your card by phone — including instant blocking or unblocking — free of charge.

How to Get a Card

• Visit any Ipoteka Bank OTP Group branch with your passport and sign the agreement.
• Or apply online at ipotekabank.uz or via the Ipoteka Retail mobile app. Your card will be activated and ready to use immediately.

Card Types and Fees

• Salary, pension, benefit, and scholarship cards: issuance and renewal — free of charge.
• Personal debit cards: issuance or reissue — UZS 50,000.
• Transfers: between Ipoteka Bank OTP Group cards — free.
• Cash withdrawals: 1% commission of the withdrawn amount.
• Validity period: 5 years.

UZCARD Debit Card — your everyday financial companion.
Pay, transfer, and manage your money with confidence — wherever you are.