AVO — онлайн банк Узбекистана

AVO — онлайн банк Узбекистана puts a full suite of banking services directly in your pocket. Manage accounts, send money to HUMO and Uzcard networks, and pay utilities and telecom bills around the clock — all without stepping away from home.

The app lets you store multiple cards securely in one place and issue virtual cards instantly at no cost. The international AVO Platinum Mastercard comes in plastic or virtual form, usable across Uzbekistan and abroad with 3D Secure protection. Getting started takes just minutes: download, complete online registration with your passport details, and activate a virtual card free of charge.

Credit cards through this online bank come with up to 100 million som in available credit, a 45-day interest-free period, and 1% cashback on everyday purchases. New cardholders receive up to 100% cashback on their first transaction. No collateral, no guarantor, no bank visits required — the entire process happens in the app.

Beyond credit, the platform offers microloans approved in under a minute with zero interest for 30 days and no penalties for up to 60 days. Savings accounts open online with 6-month terms and annual returns up to 25%, with deposits starting at 100,000 som and full flexibility to add or withdraw funds anytime.

The AVO UZCARD virtual card integrates seamlessly with major payment platforms including Payme, Click, Paynet, Uzum, and Oson. Transfers between AVO cards carry zero commission. For contactless shopping, order a payment sticker that attaches to your phone — tap it at stores, metro stations, and restaurants without needing your physical card or smartphone, while card details remain encrypted in the app.

Every transaction is encrypted with bank-grade security. Whether you're managing daily expenses, building savings, or accessing emergency credit, AVO — онлайн банк Узбекистана consolidates financial needs into one straightforward, mobile-first platform.