Frequently Asked Questions on UZCARD
How can the history of a UZCARD plastic card be checked?
You can obtain this information at any branch of the bank servicing your card, or through an infokiosk or ATM that provides services for the payment system cards.
How can the balance of a plastic card be checked?
There are several ways to check the balance of your plastic card without leaving home, even if it is not linked to your phone:
By logging into your personal account through the mobile application or the bank’s website.
By visiting the bank branch in person.
What should be done if an ATM retains a plastic card?
If an ATM retains your card, you should call the number indicated on the ATM for the cash collection service: (71) 244-04-88 (for ATMs located in Tashkent city only).
If the card is retained in an ATM installed inside a Ziraat Bank branch, you should contact the bank staff responsible for the branch ATMs.
What should be done if there are issues when transferring funds from another bank or when crediting funds to a ZBU card via other bank applications?
If funds transferred from another bank or its application to a Ziraat Bank card are not credited on time, Ziraat Bank is not responsible for such delays. In this case, you must contact the sending bank or the application’s service provider.
Can a card be unblocked remotely?
Currently, the online card unlock service is not operational.
How can a UZCARD / HUMO / MasterCard card be blocked?
A customer may independently block a payment card in the following ways:
Through the personal account on the bank’s website (if internet banking is activated).
Through the mobile application of the servicing bank or a payment service provider (Uzcard, PayMe, Click, etc.) – for UZCARD/HUMO cards.
For MasterCard: open the bank’s mobile application, log in, find the relevant card, go to its settings, open the “Security” section, and select “Block Card.”
Frequently Asked Questions on HUMO
How can SMS notifications be activated or deactivated?
SMS notifications can only be activated or deactivated by the bank that issued the HUMO card. To enable this service, you must provide your personal mobile phone number when submitting the application for the card.
From which number are SMS notifications sent?
SMS notifications are sent from the number 11313.
What should be done if SMS notifications are not received?
First, check the balance and active status of your mobile number. Also, ensure that you are subscribed to the SMS notification service by contacting your bank. If your mobile number is active and you are receiving other messages, but not from your bank, you should contact your mobile network operator. Additionally, it is recommended to use the @HUMOcardbot Telegram bot for receiving notifications.
Why might SMS notifications not be delivered?
The service must be activated, the subscriber number must be active, and the account must have a positive balance. Note that due to network load at the operator, SMS delivery may occasionally be delayed. If the subscriber’s phone is switched off, the message will be queued and normally delivered within several hours.
How can the SMS service be deactivated?
If the SMS service was activated incorrectly and you wish to deactivate it, you must visit the bank branch and submit a request indicating the issue.
How many payment cards can be linked to one SIM card?
There are no restrictions on linking multiple payment cards to a single SIM card.
Can one card be linked to two phone numbers?
A single payment card can only be linked to one mobile phone number.
Can SMS notifications be linked to corporate numbers?
Yes, this is possible.
What types of errors may occur at terminals?
If a POS-terminal transaction fails, the printed receipt will indicate the reason. For example:
“Incorrect PIN code” – the entered PIN code does not match.
“Insufficient funds” – the account balance is not sufficient.
In such cases, please check your account balance and try again.
Can a HUMO card be registered in payment applications?
Yes, HUMO cards can be registered and used in all payment applications as well as official mobile banking applications.
Is it possible to transfer funds from card to card?
Yes, funds can be transferred from a HUMO card to another HUMO card, as well as to cards of other payment systems, and vice versa. This service is supported by all bank applications and popular payment applications (Click, Paynet, Payme, etc.). The commission fees are determined by the respective bank or payment service provider.
Do terminals of other operators accept HUMO cards?
Currently, terminals belonging to different payment systems do not accept each other’s cards. Work is in progress to implement this function, and additional information will be provided once it is available.
How can contactless payments be made?
To make a contactless payment, hold the card close to the designated symbol on the terminal for a few seconds. When the transaction is approved, the terminal will emit a confirmation signal. With HUMO cards, there is no need to hand the card to the cashier. For security, never state your PIN code aloud; always enter it personally.
Is it possible to make payments without entering a PIN code?
Yes, contactless payments without a PIN code are possible, but subject to a defined limit. The maximum amount for PIN-free payments is 50,000 UZS. If the transaction exceeds this limit, the terminal will require PIN code entry.
What should be done if a card is lost?
To prevent unauthorized use, the card must be blocked immediately. This can be done by:
Blocking the card through the bank’s mobile application.
Contacting the issuing bank and requesting the card to be blocked.
Important: When contacting the bank, never disclose your PIN code or CVV code to the operator or any third parties.
Can a transaction be cancelled, and under what circumstances?
Yes, transactions can be cancelled at the terminal before settlement is completed.
For example, if the cashier entered an incorrect amount, the transaction can be cancelled as follows:
Press the “0” button on the terminal.
Select the “Cancel Transaction” option from the menu.
Enter the receipt number of the incorrect transaction.
Press the green button and present the card to the terminal.
The funds will then be returned to your card.
What if an ATM fails to dispense cash but no debit occurs from the account?
Such cases are rare, and in most instances, customers simply fail to collect the dispensed cash on time. To resolve this issue, please contact the bank responsible for the ATM (the bank details are displayed on the ATM).
What should be done if a retail outlet does not accept HUMO cards?
If the outlet displays the HUMO payment system logo but does not accept your card, please call the following numbers to report the issue:
State Tax Committee hotline: (71) 244-98-98
HUMO payment system Call Center: (71) 200-08-88
This will help to resolve the issue.
Can cash be withdrawn from HUMO ATMs using international cards?
Yes, HUMO ATMs support cash withdrawals with VISA, Mastercard, and UnionPay international cards. The funds will be dispensed in the national currency. Applicable commissions are charged by the acquiring bank and the international payment system.
Do HUMO terminals accept international cards for payments?
Yes, all HUMO payment terminals accept VISA, Mastercard, and UnionPay international payment system cards.
What is the cost of card servicing?
Card servicing is free of charge.
What is the commission for transfers to Ziraat Bank cards?
Transfers to Ziraat Bank Uzbekistan (ZBU) cards via the ZBU UZ mobile application are free of charge (0% commission).
What should be done if a card is lost?
To prevent unauthorized use, the card must be blocked as soon as possible. This can be done in two ways:
Through the mobile application – via the “Cards” section in the Ziraat Bank Mobile app (currently under development).
By contacting the bank – to block the card and request a replacement.
Additionally, the function of reissuing HUMO cards through the Ziraat Bank Mobile app is currently being developed.
How can a card be topped up with cash?
A card can be topped up with cash in the following ways:
Through HUMO ATMs that accept cash deposits – funds are credited instantly.
Through other banks in Uzbekistan – you must provide the following details to the bank officer: Transit account number: 23116%, MFO code, recipient’s full name, and card number.
Note: If the transfer is made before 16:00, the funds will be credited the same day. Transfers made after 16:00 will be credited the next business day.
How can funds be transferred from a legal entity to a card?
If a legal entity wishes to transfer funds to your card, the following details must be provided: Transit account number: 23120%, MFO code, TIN (Taxpayer Identification Number), IFUT (activity type code), recipient’s full name, and card number.
Note: If the transfer is made before 16:00, the funds will be credited the same day. Transfers made after 16:00 will be credited the next business day.