# UZCARD

> Source: https://docs.barcoder.ai/docs/wallets/uzcard
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [UZCARD — official](https://uzcard.uz/)

## Overview

**UZCARD** is **Uzbek national interbank payment processing system + card scheme** + **Central Bank of Uzbekistan CBU + Uzbek government-aligned** + **Uzbekistan's primary national payment processing switch + card scheme** + **~25M+ UZCARD cards issued** <sup>[1][1], [Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup>.

## History

**2004 — UZCARD JSC founded under Uzbek government banking modernisation as Uzbekistan's primary national payment processing switch + card scheme** distinctive Uzbek payments heritage.

**2017 — UZCARD UPay mobile QR payments + wallet app launch**.

## Ownership & operator

**Operating entity**: **UZCARD JSC** (Uzbek national interbank payment processing system + card scheme).

**Major shareholders**: **Central Bank of Uzbekistan CBU + Uzbek government-aligned + Uzbek commercial bank consortium member-ownership**.

**Regulators**: **Central Bank of Uzbekistan CBU**.

## Technical integration

UPay mobile app (iOS + Android) + uzcard.uz online + UZCARD POS + ATM network across Uzbekistan (~25M+ UZCARD cards issued) + UZCARD-branded debit + credit cards by all Uzbek commercial banks; UZCARD national card scheme processing + EMVCo QRCPS QR payments + Uzbek Som UZS domestic transfers.

## Implementations & partners

**Major Uzbek banking + payments competitors**: [HUMO Uzbekistan](https://docs.barcoder.ai/docs/wallets/humo-uz) (HUMO Uzbek national interbank payment processing system + card scheme; Central Bank of Uzbekistan CBU + Uzbek government-aligned).

**Uzbek commercial bank consortium**: [Asaka Bank (Uzbekistan)](https://docs.barcoder.ai/docs/wallets/asaka-bank) (Asakabank Uzbekistan) + [National Bank of Uzbekistan (NBU)](https://docs.barcoder.ai/docs/wallets/nbu-uzbekistan) (National Bank of Uzbekistan NBU) + [Hamkorbank Uzbekistan](https://docs.barcoder.ai/docs/wallets/hamkorbank) (Hamkorbank Uzbekistan) + [Ipoteka Bank Uzbekistan](https://docs.barcoder.ai/docs/wallets/ipoteka-bank-uz) (Ipoteka Bank Uzbekistan) + [Kapitalbank Uzbekistan](https://docs.barcoder.ai/docs/wallets/kapitalbank-uz) (Kapitalbank Uzbekistan).

**Regulators**: Central Bank of Uzbekistan CBU.

## Status

**Active, Uzbek national interbank payment processing system + card scheme + Central Bank of Uzbekistan CBU + Uzbek government-aligned + Uzbekistan's primary national payment processing switch + card scheme + ~25M+ UZCARD cards issued** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://uzcard.uz/ "UZCARD — official"
[2]: https://en.wikipedia.org/wiki/UZCARD "UZCARD — Wikipedia"
[uz-cro]: https://docs.barcoder.ai/docs/payments/UZ

- [1] [UZCARD — official][1]
- [2] [UZCARD — Wikipedia][2]
- <sup>[Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup> In-corpus: `reports/countries/UZ-uzbekistan.md`

## Source

Biography extracted from [uzcard.md](https://docs.barcoder.ai/source/wallets/uzcard). See `matrix.md` for standards-support matrix if present.