Uzbekistan is steadily building a modern payment environment in which cashless transactions are becoming a natural part of everyday life. These changes are being implemented as part of the development of the country’s financial infrastructure, including under Presidential Decree of the Republic of Uzbekistan No. UP-246.
Within this context, the focus is not only on expanding payment acceptance infrastructure, but also on simplifying access to financial instruments themselves.
Together with banks, UZCARD is introducing a new format — UZCARD Moment instant-issuance cards. This is not simply another card product, but a new model for issuing and distributing banking cards. Previously, obtaining a card required time and multiple steps: visiting a bank branch, submitting an application, waiting for the card to be issued, and only then being able to use it.
Today, this model is changing. Cards can be pre-issued and provided to customers as ready-to-use carriers, while activation is completed remotely via the bank’s mobile application. This approach significantly simplifies and accelerates the card acquisition process, making it part of the everyday environment.
At present, Moment cards can be distributed not only through bank branches, but also at high-traffic locations – near transport infrastructure, at fuel stations, in shopping areas, as well as other urban and regional locations.
As a result, a bank card becomes available exactly where it is needed — without waiting or unnecessary actions. For users, this means quick and easy access to payments, transfers, and other financial services.
For banks and partners, this represents a new customer engagement model, offering opportunities to scale distribution, reducing operational costs, and expanding reach, including previously underserved segments.
Against the backdrop of the growing use of cashless instruments in the economy, this model is particularly relevant and reflects the transition to the next stage of development of the country’s payment system — where access to financial services becomes максимально simple and seamlessly integrated into everyday life.
UZCARD Moment cards are already available at a number of banks, including Universalbank, Mikrokreditbank, Davr Bank, Hamkorbank, BRB, and Xalq Banki. The list of participating institutions continues to expand.
In addition, the payment organization Alif, in partnership with Davr Bank, is issuing a co-branded instant-issuance card.
Importantly, this model can serve as a foundation for new card product formats. In particular, co-branded solutions are being developed on their basis, including Fan Card – a fan card that combines payment functionality with loyalty programs and additional user services.
UZCARD Moment reflects a transition from the traditional banking service model to a more flexible and accessible format for consumers.
For the most up-to-date information on availability and issuance terms, please contact the call center or visit the branches of the relevant bank.