Uzum
Uzbekistan's super-app + digital bank.
- Who holds it
- The company itself — it holds a full banking licence — Bank license (UZ).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Uzum’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Tashkent, UZ |
| Founded | 2022 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Bank license (UZ) |
| Card | MC (dom.) · Debit |
| Cashback | In-app offers |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
Verified links: official site ↗
Common questions about Uzum
What is Uzum?
Uzum is a fiat neobank, headquartered in Tashkent, UZ and founded in 2022. Your money is held custodially, so Uzum or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Bank license (UZ)).
Does Uzum have a card, and where can you use it?
It issues a Mastercard (dom.) debit card. It is available in Europe.
Does Uzum require KYC?
Yes. Uzum requires identity verification (KYC) to open an account, as a licensed bank.
What does Uzum cost?
From the verified fields: cashback In-app offers. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Uzum before relying on them.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Uzum appears in
Neobanks that hold their own banking license (132) · Neobanks available in Europe (144) · Neobanks that issue a Mastercard (150) · Neobanks on domestic card networks (16)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.