UZCARD and HUMO give Uzbekistan domestic bank-card networks alongside bank transfers and mobile apps. Local credentials connect merchant purchases with account access in the sum economy, whose population reached approximately 37.1 million and real GDP grew about 7.7% in 2025.
Cash in Uzbekistan
Uzbekistan's UZCARD and HUMO networks coexist with a strong cash role in bazaars and smaller towns. International-card cash machines are easier to find in cities, so local electronic access and access to physical currency can differ.
Payment Methods
Estimated Monthly Usage, Aurato Research, October 2026
Schemes
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Systems
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