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FAQ

What documents are required to apply for a loan?
  • Passport or other identity document of the borrower;

  • Income Certificate from the place of work drawn up in accordance with the established procedure;

  • Documents related to securing loan repayment.

What is the procedure for applying for an online loan?

An online loan is provided remotely using the installed Milliy Mobile App.

Continuous salary and equivalent funds for the last three months shall be credited to the borrower's HUMO plastic card.

Can I make loan payments without visiting the bank?

Certainly! Customers can make loan payments as well as monitor the status using the installed Milliy App.

At what age may people get a loan?
  • Loans to individuals are provided to citizens of the Republic of Uzbekistan aged 18 to 65 years old who have the income.

Can be an educational loan provided to foreign citizens and stateless persons?
  • Educational loans are not available to foreign citizens and stateless persons.

What should be done to unblock the card?

To unblock the card, you must contact the bank branch where the card was opened  with your identity document.

What is the procedure for enabling SMS notification for the card?

SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.

Is it possible to order a card online without visiting bank branches?

You can order all cards in national and foreign currency remotely using the Milliy App.

What should I do if I forgot card PIN?

If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.

How to block a card (UzCard/HUMO) if it is lost?

If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.

What is the identification procedure for the Milliy mobile banking application?

The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.

How to change the phone number registered in the Milliy App?

To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.

What is an e-wallet?

An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.

I forgot my app PIN.

When you reset your password, you enter the "secret question answer"

What international transfers are available at the NBU?

Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.

Information on Sber Bank money transfers

Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.

What is Visa Direct?

Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.

What documents are required to receive a remittance?

identity document

MTCN or the tracking number

full name of remitter

country of remitter

SWIFT code

NBFAUZ2X

Can I open a deposit remotely?

It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.

Can my close relatives replenish my deposits?

If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.

Do I need to contact the bank to close an online deposit?

No, you don't. The online deposit can be closed through the app.

What is capitalisation?

Capitalization is the addition of accrued interest to the principal amount of the deposit.

Demand Deposits

This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.

Documents required to obtain a loan

Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

How long does it take for the application to be processed?

Time for processing takes 1-3 days depending on the completeness of the documents submitted.

What types of collateral are accepted for a loan?

Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.

What are the conditions for early repayment of the loan?

Penalty-free early repayment of the loan is permitted

It is possible to get a loan with no business history?

The period of registration of the company at the time of filing the application must be more than 6 months

What hidden costs or additional terms and conditions may be?

It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs

What are the collateral requirements for an auto loan?

The collateral can be the new car being purchased

What are the main advantages of auto loans for legal entities?

- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet

What is the application review period for an auto loan for legal entities?

The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days

What kind of documents are required to get a auto loan?

- Constituent documents of the company (charter, registration certificate)
- Documents confirming the authority of the company's representatives
- Vehicle Purchase Agreement
- Documents confirming ownership of the collateral property (if a collateral is required)

What types of vehicles can be purchased with an auto loan?

The option to purchase new vehicles from official dealers


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7.1. Plastic card of legal entity and individual entrepreneur (corporate card) in national currency

7.1.1 Issue of 3-year main/ additional card

80,000 UZS, including VAT

7.1.2 Extension of the validity of main/ additional card

80,000 UZS, including VAT

7.1.3 Reissue of main/ additional card in case of loss/ damage

80,000 UZS, including VAT

7.1.4 Reissue of main /additional card in case of technical malfunction

no commission fee

7.1.5 Penalty for loss/damage of main/ additional card

80,000 UZS, including VAT

7.1.6 Balance replenishment on the special Uzbek Soum card account of legal entity/individual entrepreneur (according to the applicable legislation)

0.5% of the amount transferred

7.1.7 Submission of the statement on money accounting on the corporate card

50,000 UZS, including VAT

7.1.8 Card registration in the stop list

no commission fee

7.1.9 Leasing of payment terminals to trade and service enterprises for accepting payment from UZCARD plastic cards and International payment cards, including:

a) to legal entities

25,000 UZS + VAT (charged monthly, on the first business day of the month following the month of the transaction)

b) to individual entrepreneurs

15,000 UZS + VAT (charged monthly, on the first business day of the month following the month of the transaction)

c) to Home Unit Companies

25,000 UZS + VAT (charged monthly, on the first business day of the month following the month of the transaction)

7.1.10 Processing of HUMO payment cards transactions of trade and service enterprise (acquiring)

0.2% of the transaction amount

7.2 Bank card of legal entity and individual entrepreneur in foreign currency (international)

7.2.1 Issue (emission) of main / additional card

a) Visa Business

UZS 230,000, including VAT

- minimum balance and down payment (unchanged until the card account is closed)

USD 100

b) Visa Business to an individual entrepreneur

UZS 170,000, including VAT

- minimum balance and down payment (unchanged until the card account is closed)

USD 100

c) Masterсard Business

UZS 1,200,000, including VAT

: For MasterCard, if the card currency differs from the transaction currency, the amount of 2% will be temporarily blocked

7.2.2 Reissue of main / additional card (after expiration of the card, to change the client's name, in case of card loss/damage, password loss, suspicion of fraud):

a) Visa Business

UZS 230,000, including VAT

b) Visa Business to an individual entrepreneur

UZS 170,000, including VAT

c) Masterсard Business

UZS 600,000, including VAT

7.2.3 Penalty for loss / damage of main / additional card, and for the card non-return by the client to the bank, including when applying for closing the special card account:

a) Visa Business

UZS 230,000, including VAT

b) Visa Business to an individual entrepreneur

UZS 170,000, including VAT

c) Masterсard Business

UZS 600,000, including VAT

7.2.4 The processing of transactions on cash receipt at terminals or ATMs abroad the Republic of Uzbekistan from the card issued by the National Bank

1% of the amount

7.2.5 Processing of transactions on non-cash payment for goods and services in the infrastructure of another bank (terminal/imprinter/ATM/self-service terminal/Internet, etc.) from the card issued by the National Bank:

a) Visa Business

no commission fee

b) Visa Business to an individual entrepreneur

no commission fee

c) Masterсard Business

No commission fee

Note: For MasterCard, if the card currency differs from the transaction currency, the amount of 2% will be temporarily blocked

7.2.6 Registration of the card in the Global stop list upon the Client's request

no commission fee

7.2.7 Reimbursement of expenses for the withholding by another bank of the card issued by the National Bank

1,15 Basic Estimated Amount, including VAT

7.2.8 Reimbursement of expenses for the transfer by the acquiring bank of the withheld card issued by the National Bank

Postal and telegraph expenses

7.2.9 Submission of an international card account statement on the official letterhead of the Bank

UZS 60,000, including VAT

7.3 For trade and service companies serving clients with cards in foreign currency

7.3.1 Processing of transactions of retailer and service outlet using international cards (VISA, MasterCard, UnionPay International, etc.):

a) Through a POS terminal in a trade and service enterprise and an EPOS terminal (according to an e-commerce project): - for cards issued by NBU JSC;
- for cards issued by other banks of Uzbekistan;
- for cards issued by foreign banks

1% of the transaction amount on the day of receiving coverage from international payment systems;
1.5% of the transaction amount on the day of receiving coverage from international payment systems;
3% of the transaction amount on the day of receiving coverage from international payment systems

b) Via a POS terminal installed in hotels

2.5% of the transaction amount on the day of receiving coverage from international payment systems

7.3.2 Penalty for the recovery of information on transactions against supporting documents submitted by the trade and service company

1% of the transaction amount

7.3.3 Penalty for loss and/or damage of payment terminal which can not be repaired

Actual cost of the terminal + 1,15 Basic Estimated Amount, including VAT

7.3.4 Processing (acquiring) of transactions of trade and service enterprises using HUMO/UZCARD payment system

a) On international cards through the payment system "UzCard"

0,2% of the transaction amount

b) VISA, MasterCard and UPI international cards, through HUMO payment system. When servicing international cards (VISA and MasterCard), a commission of 1.5% is charged from the card account in addition to the commission fee specified in this section. Visa cards issued in the Republic of Uzbekistan are the exception.

1% of the transaction amount. When servicing international cards (VISA and MasterCard), a commission of 1.5% is charged from the card account in addition to the commission fee specified in this section. Visa cards issued in the Republic of Uzbekistan are the exception.

c) VISA, MasterCard and UPI international cards, through UzCard payment system. When servicing international cards (VISA and MasterCard), a commission of 2% is charged from the card account in addition to the commission fee specified in this section. Visa cards issued in the Republic of Uzbekistan are the exception.

1% of the transaction amount

d) MIR international cards, through UzCard payment system

0.5% of the transaction amount

e) For payment transactions for products, works and services at trade enterprises using ‘Tez QR’ through ‘UZCARD’ payment system
Effective from May 1, 2024.

1% of amount

7.3.5 Processing transactions of a merchant conducted through the NBU's E-POS terminal*

a) By UzCard Sumy Plastic Cards

0,8% of the transaction amount

b) By HUMO / Visa UZS plastic card / UZS electronic wallet

0,5% of the transaction amount

7.3.6 The processing of transactions of retailer and service outlet via QR-Online system

0,15% of the transaction amount

*When the retail and service outlet pays for this service, the commission specified in subparagraph 5.1.12 of section 5 “Remote Services” of the tariff for commission fee for individuals is not charged to the client

7.3.7 Processing of transactions of the trade and service enterprise carried out on local cards (UzCard, HUMO, etc.), according to the e-commerce project

at least 1% of the transaction amount

7.3.8 Connection (registration) to the fiscal module and servicing online cash registers

1% of the amount

7.3.9 Monthly rent for commercial terminals of small business entities (with a monthly turnover of more than 100 000 UZS)

fee is not charged

7.3.10 Monthly rent for trading terminals of small business entities (with a monthly turnover of less than 100 000 UZS)
Terminals inactive for 6 months are withdrawn from the client

15% BEA, including VAT

Tariffing begins on June 10, 2024.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.