How to open a card? Visa, MasterCard and UnionPay

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Spot has studied the tariffs for issuing and servicing Visa, MasterCard and UnionPay cards in all banks of the country and tells where it is more profitable to open them, what to pay attention to when choosing a bank, what additional services cardholders can use.

Spot studied the tariffs for issuing and servicing Visa, MasterCard and UnionPay cards in all banks of the country and tells where it is more profitable to open them, what to pay attention to when choosing a bank, what additional services cardholders can use.

What cards are available?

There is no significant difference in payment systems. Visa and MasterCard are the largest payment systems in the world. Their cards are accepted in almost all countries of the world. UnionPay coverage is expanding year by year, the card is available in 174 countries and regions around the world.

Banks surveyed by Spot say it is recommended to take MasterCard when traveling to Europe and Visa to the US.

International cards can be used to withdraw cash from ATMs, pay for goods and services, and make online purchases. Cards differ by type, depending on the particular payment system - virtual, electronic, simple and premium.

The virtual card is opened electronically, so it cannot be used at terminals or ATMs. The main advantage is the ease of registration and low tariffs. The card can be opened through the bank’s mobile app without leaving home, and typically a non-burning deposit will not exceed $ 10.

In Uzbekistan, such cards can be opened in several banks, for example, in the National Bank and Hamkorbank. In the first, you can do it for free, the unburned balance is $ 5, to register with Hamkorbank you have to pay 10 thousand soums, but there is no insurance deposit.

Electronic cards include Visa Electron, Maestro. Any transaction on such a card is carried out only after an electronic check of the card details, as well as the availability of sufficient funds in the account.

Keep in mind that e-cards are not accepted everywhere. If you are planning to travel with such a card, you will need to carry cash to avoid cases where the ATM or retail store will not accept it.

However, with the help of electronic cards it is possible to withdraw cash from ATMs, make payments via the Internet and at points of sale. Maintenance is cheaper than regular ones. In Uzbek banks, such cards are often issued free of charge, and the insurance deposit is $ 5-20.

The most common type is the classic cards (Visa Classic, MasterCard Classic). They have a low cost of service and a wide range of functionality. With the help of the cards you can book a hotel room, buy air tickets, etc.

Premium cardholders (Gold, Platinum) will receive discounts from payment system partners, as well as a number of additional services - for example, free insurance, legal and medical assistance when traveling abroad.

In Uzbekistan, there are also conversion cards, as the conversion of national currency into foreign currency is limited. In some banks they are divided into separate types, in which case the name of the card is supplemented by the Exchange suffix, while in others - the sum can be converted into a regular currency card.

How to open a card?

In almost all banks, only a passport and money are required to issue a card, pay for a card issue and make an insurance deposit. The NBU may require a TIN (INN).

In most cases it is necessary to visit the bank office twice: in the first - to write an application and submit documents, and in the second - to get a ready-made card.

The commission on ordinary cards is on average 10-50 thousand soums. They are usually ready in 2-3 business days. A bank employee will call and inform you of his readiness.

The card is valid for 2-3 years. After this period, the bank will issue a free reissue, including the card.

At Hamkorbank, the application can be left on the site (you can pay a commission on the site itself), then you need to go to the office to get a ready-made card.

Other banks - Agrobank, Kapitalbank, Ipak Yuli Bank (currently only for pensioners) deliver the finished card directly to your home or office free of charge. Currently, the service is available only in Tashkent.

In addition, for the convenience of customers, many banks have switched to a lunch break mode. Among them are Kapitalbank, OFB (head office only), Trustbank (head office only), Hamkorbank, NBU, Universalbank. You can get a card after a working day in the office of Ipak Yuli Bank "Markaz".

How to choose a bank?

First of all, it is necessary to pay attention to the tariffs - the cost of withdrawal, cash withdrawal and commission for goods, the minimum balance, etc. (Tariffs for all types of cards issued by Uzbek banks are given in the table below).

The map shows not only bank branches, but also the addresses of ATMs on the websites of many banks. They need attention. Money can be withdrawn free of charge only at the ATMs of the bank where the card was issued. If cash is withdrawn from "another" bank, both banks will charge a commission.

International card services are different in different banks - re-issuance, blocking, recovery of the card in case of damage or loss, replenishment of the account, early closing of the account, connection to SMS-data, formation of strict reporting forms and others.

Spot advises to contact the bank to clarify the information.

Bank name	Card type	Issue (thousand soums)	Non-flammable deposit	Cash withdrawal	Payment for goods and services
"Agrobank"	Visa Electron (Convers.)	12	$10	1%	Present in several = 0,5%
Visa Classic	25	$10	Present in several = 1,5%	1%
Visa Gold	50	$10	Present in several = 1,5%	1%
Asia Alliance Bank	Visa Classic	30	$10	1%	Present in several = 0,5%
Visa Gold	50	$20	1%	Present in several = 0.8%
UnionPay Classic	30	$10	1%	Present in several = 0.5%
MasterCard Standard	30	$10	1%	Present in several = 0.5%
Mastercard Gold	50	$20	1%	Present in several = 0.8%
"Aloqabank"	Visa Classic	30	$10	1%	Present in several = 0,30%
"Period bank"	UnionPay Classic	free	$20	1%	Present in several = 0,50%
InfinBank	Visa Classic	20	$20	1% (min. $ 2)	0,5% (min $ 0,5)
Visa Gold	20	$20
Platinum Visa	50	$100
UnionPay Classic	20	$20
Silk Road Bank	Visa Virtual	free	$5	—	0,7% (min. $ 0,5)
Visa Classic	40	$50	1,5% (min. $ 2)	0,5% (min. $ 1)
Visa Classic Exchange	40	$10	1% (min. $ 2)
Visa Gold	101	$70	1,1% (min. $ 2)	0,4% (min. $ 1)
Visa Platinum (conversion)	202	$100	1% (min. $ 2)	0,3% (min. $ 0,5)
UnionPay Classic	free	$0	0,8% (min. $ 2)	0,5% (min. $ 1)
UnionPay Gold	60	$0
Capital Bank	Visa Electron	free	$15	2% (min. $ 1)	0,5% (min. $ 0,01)
Visa Classic	110	$20	2% (min. $ 1)	1% (min. $ 1)
Visa Gold	210	$50	2% (min. $ 1)	1% (min. $ 1)
"Rural construction bank"	Visa Classic	100	$100	1%	Present in several = 0,7%
Orient Finance Bank	Easy (convert. Visa, MasterCard, UnionPay)	free	$20	1% (0,5% across the network)	0,7% (min. $ 1)
Teacher	30	$25	Present in several = 1,5%	Present in several = 0,5%
MasterCard Standard	85	$20	1,5% (min. $ 2)	0,5% (min. $ 0,5)
UnionPay Classic
"Trustbank"	Visa Electron	100	$30	3%	1%
Turkistonbank	Visa Electron	30	$20	Present in several = 1,5%	1%
"Turan Bank"	MasterCard Standard	30	$20	Present in several = 0.5%	Present in several = 0,5%
Mastercard Gold	40	$35	Present in several = 0.5%	Present in several = 0,5%
Visa Classic	35	$20	Present in several = 1,5%	Present in several = 0,5%
Visa Gold	50	$35
HamkorBank	Visa Virtual	10	0	—	Present in several = 0.5%
UnionPay Classic	30	$10	1% (min. $ 2)	Present in several = 0.4%
UnionPay Exchange (envelope)	30	$10	1% (min. $ 1)	Present in several = 0,4%
"NBU"	Visa Virtual	free	$5	—	0
Visa Classic	free	$25	1%	Present in several = 0,5%
Visa Gold	100	$50	2%	0
Platinum Visa	200	$100	2%	0
Uzpromstroybank	Visa Electron	free	$10		0,5% + $ 0,5
Visa Classic	15	$10		0,5% + $ 1
Visa Gold	55	$50		0,5% + $ 1
Universal Bank	Visa Electron	30	$10	Present in several = 1,5%	Present in several = 0,50%
Hi-Tech-Bank	Visa	30	$20	Present in several = 0,5%	Present in several = 0,50%
Ravnak Bank	Visa Electron	free	$5	2.5% (min. $ 1.5)	0
Visa Classic	20	$10	2.4% (min. $ 1,5)	0
Visa Gold	50	$25	2,3% (min. $ 1,5)	0
Platinum Visa	200	$50	2.2% (min. $ 1.5)	0
Visa Electron Exchange	free	$5	1% (min. $ 2)	0
"Asaka"	Teacher	free	0	1% (min. $ 2)	Present in several = 0,5%
MasterCard Standard	free	$50	1% (min. $ 2)	Present in several = 0,5%
Ziraat Bank Uzbekistan	Visa Electron	100	$50	Present in several = 0,5%	Present in several = 0,5%