# Tez

> Tez is a digital banking product by Hamkorbank (JSC), licensed by the Central Bank of Uzbekistan (License No. 64). It is a mobile-first financial service that provides a free VISA credit card with up to 50,000,000 UZS credit limit, cashback, savings, and commission-free payments — all managed through a smartphone app, without bank branches or paperwork.

Tez is available in Uzbekistan at https://tez.uz. The product targets users who want a modern, fully digital banking experience: no queues, no hidden fees, no physical branches. Instead of spending on offices and staff, Tez invests in technology, app development, and customer support.

## Products

- [Credit Limit](https://tez.uz/uz/credit-limit): Up to 50,000,000 UZS credit limit, approved in minutes inside the app. Grace period up to 62 days, including on cash withdrawals.
- [Credit Card](https://tez.uz/uz/credit-card): A single free black VISA card covering credit funds, personal balance, cashback, and payments. Up to 62-day grace period; interest is earned on personal funds stored on the card.
- [Cashback](https://tez.uz/uz/cashback): Up to 10% real cashback on purchases — credited as actual money, not points or bonuses.
- [Moneybox (Xazina)](https://tez.uz/uz/moneybox): Savings feature with up to 12% annual yield. Designed to help users accumulate funds for goals.
- [Payments & Transfers](https://tez.uz/uz/payments): Commission-free transfers by phone number or card number; top-ups via terminals and other bank cards; mobile, utility, government service, and fine payments.

## Key App Features

- **Shake to Pay**: Shake the phone to instantly send money without entering card details.
- **Payment Reactions**: Respond to incoming transfers with emoji instead of text messages.
- **Greeting Cards**: Send beautiful greeting cards along with transfers.
- **Bill Splitting**: Split bills for dinners, trips, or group purchases with contacts in a few taps.
- **Card Management**: Change PIN, adjust limits, block card, order statements — all in seconds within the app.
- **Expense Analytics**: Track income and expenses by category, merchant, and country with clear charts; use tags and notes for financial awareness.
- **Customer Support**: Available via Telegram, WhatsApp, or phone call at +998 78 129 27 77.

## Company Info

- **Banking partner**: JSC Hamkorbank
- **Regulator**: Central Bank of the Republic of Uzbekistan, License No. 64
- **Contact email**: info@tez.uz
- **Phone**: +998 78 129 27 77
- **Social media**:
  - Facebook: https://www.facebook.com/tezappUZ
  - Instagram: https://www.instagram.com/tez_app_uz
  - YouTube: https://www.youtube.com/@tez_app_uz
  - Telegram: https://t.me/tez_app_uz
  - Telegram support bot: https://t.me/tez_app_bot

## Site Pages

The site is available in two languages: Uzbek (`/uz/`) and Russian (`/ru/`).

### Uzbek (uz)

- [Home](https://tez.uz)
- [About](https://tez.uz/uz/about)
- [Credit Limit](https://tez.uz/uz/credit-limit)
- [Credit Card](https://tez.uz/uz/credit-card)
- [Cashback](https://tez.uz/uz/cashback)
- [Moneybox](https://tez.uz/uz/moneybox)
- [Payments & Transfers](https://tez.uz/uz/payments)
- [Tariffs, Terms & Conditions](https://tez.uz/uz/tariffs)
- [Tariffs Archive](https://tez.uz/uz/tariffs/archive)
- [Contacts](https://tez.uz/uz/contacts)
- [FAQ](https://tez.uz/uz/faq)
- [Sitemap](https://tez.uz/uz/sitemap)

### Russian (ru)

- [Home](https://tez.uz/ru)
- [About](https://tez.uz/ru/about)
- [Credit Limit](https://tez.uz/ru/credit-limit)
- [Credit Card](https://tez.uz/ru/credit-card)
- [Cashback](https://tez.uz/ru/cashback)
- [Moneybox](https://tez.uz/ru/moneybox)
- [Payments & Transfers](https://tez.uz/ru/payments)
- [Tariffs, Terms & Conditions](https://tez.uz/ru/tariffs)
- [Tariffs Archive](https://tez.uz/ru/tariffs/archive)
- [Contacts](https://tez.uz/ru/contacts)
- [FAQ](https://tez.uz/ru/faq)
- [Sitemap](https://tez.uz/ru/sitemap)

## FAQ

The FAQ section covers 6 topics, each available in Uzbek and Russian:

- [General Questions (uz)](https://tez.uz/uz/faq/general) / [General Questions (ru)](https://tez.uz/ru/faq/general): What Tez is, how to get a card, required documents (PINFL or passport number), card cost (free), who can apply (all adult citizens of Uzbekistan), fees overview, and credit limit amounts.

- [Credit Limit (uz)](https://tez.uz/uz/faq/credit-limit) / [Credit Limit (ru)](https://tez.uz/ru/faq/credit-limit): How the credit limit is calculated and displayed, what factors affect the amount, trial/starter limits, grace period (up to 62 days including cash withdrawals), interest rate (0% during grace period, 43.2% annually after), minimum monthly payment (4% of outstanding balance, minimum 50,000 UZS), penalties for late payment, and how to use the credit limit.

- [Payments & Transfers (uz)](https://tez.uz/uz/faq/payments) / [Payments & Transfers (ru)](https://tez.uz/ru/faq/payments): How to top up the card (Hamkorbank branches, Kapitalbank ATMs, Paynet terminals, or via the app from Humo/Uzcard cards), cash withdrawal terms and fees (free up to 5M UZS/month domestically, 1% above that, 2% abroad), transfer fees from personal and credit funds, which payments are commission-free (mobile, utilities, government services, fines), and how to request a card statement.

- [Cashback (uz)](https://tez.uz/uz/faq/cashback) / [Cashback (ru)](https://tez.uz/ru/faq/cashback): How cashback is calculated (user selects categories, cashback is credited instantly after each purchase), minimum withdrawal threshold (50,000 UZS), monthly cashback cap (300,000 UZS), cashback on credit fund purchases (0.5% regardless of category), and how to track cashback balance.

- [Moneybox / Xazina (uz)](https://tez.uz/uz/faq/moneybox) / [Moneybox / Xazina (ru)](https://tez.uz/ru/faq/moneybox): What Xazina is (savings feature for any goal), how to fund it (automatic via rounding or scheduled transfers, or manually), interest rate (12% annually, paid monthly), withdrawal options (partial or full), number of simultaneous savings (up to 10), no term or amount limits, funds are protected by the Uzbekistan Deposit Guarantee Fund, and credit funds cannot be used to fund a Xazina.

- [Customer Security (uz)](https://tez.uz/uz/faq/data-security) / [Customer Security (ru)](https://tez.uz/ru/faq/data-security): Guide to recognizing and avoiding common fraud types — phone/card scams (fake bank employees), malicious APK apps, financial pyramids and fake investments, fake online stores, phishing via fake promotions, credit-related fraud, and fake job offers abroad. Includes instructions on how to block a card or account if compromised.

## App Download

- App Store: https://apps.apple.com/ua/app/tez-%D0%B1%D0%BE%D0%BB%D1%8C%D1%88%D0%B5-%D1%87%D0%B5%D0%BC-%D0%B1%D0%B0%D0%BD%D0%BA/id6747576859?l=ru
- Google Play: https://play.google.com/store/apps/details?id=uz.hamkorbank.tezbank&hl=ru