# AVO Bank
> AVO Bank is an online bank in Uzbekistan offering mobile-first financial products: credit and debit cards, microloans, deposits, and contactless payment instruments. Licensed by the Central Bank of the Republic of Uzbekistan (license #83, dated 28 February 2025). All products are available via the AVO mobile app (iOS and Android), with online application, instant identity verification, and no in-branch visits required. Services are provided in Uzbek and Russian. The primary domain is avobank.uz; localized routes use /uz/ for Uzbek and /ru/ for Russian.
## Homepage
- [AVO Bank — official site](https://avobank.uz/ru): Overview of all AVO products, mobile app, ATM and card-issuance point locator, and contact information. Available in Russian (/ru) and Uzbek (/uz). License #83 issued 28 February 2025 by the Central Bank of Uzbekistan.
## Credit and loan products
- [AVO Platinum credit card](https://avobank.uz/ru/products/credit-card): Credit card with a limit up to 100,000,000 UZS, a grace period up to 45 days, 0% interest during the grace period and a base interest rate of 27.9–74.9% per year outside it (the exact rate within this range is determined by credit scoring). Account maintenance is free for monthly spend under 180,000 UZS, otherwise 27,000 UZS per month. Virtual card is free; plastic card costs 59,000 UZS one-time or is free with a 4,990 UZS monthly fee. Mastercard payment system. Cashback is up to 100% on the first purchase and 1% on subsequent purchases. Available to citizens of the Republic of Uzbekistan aged 18 and over.
- [Online microloan](https://avobank.uz/ru/products/zaim): Online microloan up to 100,000,000 UZS for terms of 3, 6, 9, 12, 18, 24, or 36 months. Base interest rate is 34.9–49.9% per year (the exact rate within this range is determined by credit scoring). 0% interest if the loan is fully repaid within 30 days; no penalties for the first 60 days of overdue payment. No collateral, no guarantors, no income certificate required. Available to citizens of the Republic of Uzbekistan aged 18 and over.
- [Personal loan](https://avobank.uz/ru/products/personal-loan): Loan for personal and household needs with conditions identical to the AVO Platinum credit card: limit up to 100,000,000 UZS, grace period up to 45 days, base interest rate 27.9–74.9% per year (set by scoring). Full conditions are documented on the [AVO Platinum credit card page](https://avobank.uz/ru/products/credit-card).
- [Self-employed loan](https://avobank.uz/ru/products/self-employed-loan): Loan for self-employed individuals with conditions identical to the AVO online microloan: limit up to 100,000,000 UZS, terms 3–36 months, base interest rate 34.9–49.9% per year (set by scoring), 0% interest if repaid within 30 days, no penalties for the first 60 days of overdue payment. No income certificate, collateral, or guarantors required; legal status as a self-employed taxpayer is not required for eligibility. Full conditions are documented on the [AVO microloan page](https://avobank.uz/ru/products/zaim).
## Cards
- [AVO Platinum debit card](https://avobank.uz/ru/products/debit-card): Debit-only use case of the AVO Platinum card. The card itself is the same as the AVO Platinum credit card; when a client does not activate the credit limit, or when a credit limit is not approved by scoring, the card operates as a standard debit card with the client's own funds. Instant issuance at AVO card-issuance points (картоматы). Mastercard payment system. Account maintenance is free for monthly spend under 180,000 UZS, otherwise 27,000 UZS per month. Plastic card costs 59,000 UZS one-time or is free with a 4,990 UZS monthly fee. Virtual card is free. Free top-ups and free transfers between AVO cards in the AVO app; 1% cash withdrawal fee at AVO ATMs. Available to citizens of the Republic of Uzbekistan aged 18 and over.; ID-card or passport of a citizen of the Republic of Uzbekistan required.
- [AVO Platinum virtual debit card](https://avobank.uz/ru/products/debit-card-virtual): Fully virtual version of the AVO Platinum debit card. Free issuance immediately after identity verification in the AVO app. Card credentials (number, expiry, CVC) are available only inside the AVO app. Suitable for online payments and for adding to digital wallets. Account-maintenance terms identical to the AVO Platinum debit card (free up to 180,000 UZS monthly spend, otherwise 27,000 UZS per month).
- [UZCARD virtual card](https://avobank.uz/ru/products/uzcard): Virtual card of the Uzbek national payment system UZCARD. Free issuance, free maintenance, free top-ups via the AVO app. Operation limits: 100,000,000 UZS per operation, 5,000,000,000 UZS per month. Card validity 3 years. Free transfers between AVO cards; 1% for transfers to HUMO/UZCARD cards of other banks. Free in-app payments and top-ups.
## Deposits
- [AVO deposit](https://avobank.uz/ru/products/deposits): 12-month deposit account in UZS with yield up to 23.5% annually (with monthly capitalization). Base annual interest rate is 21.3% for amounts from 100,000 UZS; a reduced rate of 0.01% applies to amounts below 100,000 UZS. Top-ups available from 1,000 UZS with no upper limit. Partial withdrawals allowed at any time. AVO Bank participates in the state deposit guarantee scheme; the state guarantee covers up to 200,000,000 UZS per depositor.
## Payment instruments
- [AVO Platinum payment sticker](https://avobank.uz/ru/products/pay-sticker): Contactless payment sticker linked to an AVO card for tap-to-pay at any contactless terminal; can be attached to a phone, phone case, wallet, or other surface. Issuance fee 79,000 UZS one-time. Activated via the AVO app.