AVO — онлайн банк Узбекистана

АО "AVO bank"

About this app

AVO is an online bank in your smartphone
– use all the bank's services without leaving home
– send money to any HUMO and Uzcard card
– pay for utilities, mobile and other services online, 24/7
– keep all your cards securely in one app

AVO platinum Mastercard international card
– physical or virtual — choose whichever suits you
– virtual card issuance is free
– use the card in Uzbekistan and abroad
– your money is safe — the card is protected by 3D Secure

How to get an AVO credit card
– download and install the AVO app
– complete online registration — enter your passport details and take a photo
– issue a virtual card right in the app — free, in 2 minutes
– you can start using the card immediately after issuance

Benefits of the AVO credit card
–credit limit of up to UZS 100 million
– interest-free period of up to 45 days on the card
– repay exactly what you spent — with no interest
– the limit is restored immediately after full or partial repayment
– no interest is charged while you are not using the credit funds
– get up to 100% cashback on your first purchase
– 1% cashback on every purchase within the limit

CREDIT LIMIT REQUIREMENTS
– no collateral, no guarantors
– minimal paperwork — only passport or ID card details are required
– no branch visits — everything is done online in the AVO app

AVO microloan
– approval of up to UZS 100 million online in 1 minute
– no collateral, no guarantors
– 0% for up to 30 days
– no penalties or late fees for up to 60 days

Microloan terms
– Repayment term: from 3 to 36 months.
– Maximum Annual Percentage Rate (APR): up to 49.9% per year, depending on the microloan term.
– Grace period: 0% per year for the first 30 calendar days. No interest is charged if the full outstanding balance is repaid within the grace period.
– Representative example: a microloan of UZS 20,000,000 for a term of 12 months at 34.9% per year, including the 0% grace period for the first 30 days:
– monthly payment — UZS 1,998,263;
– total interest over 12 months — UZS 3,979,156;
– total amount repayable (principal + interest) — UZS 23,979,156.

The calculation is provided for information purposes and is based on standard parameters. Full microloan terms are available before the agreement is concluded.

AVO deposit
– open it online in the app
– deposit term of 12 months
– yield of up to 22% per year
– open from UZS 100,000
– top up and withdraw without restrictions

AVO UZCARD virtual card
– open it free of charge in our app
– the card can be linked to any payment app — Payme, Click, Paynet, Uzum or Oson
– 0% fee on transfers from an AVO UZCARD card to AVO cards

ABOUT THE COMPANY
AVO bank JSC, licence No. 83 of the Central Bank of the Republic of Uzbekistan, dated 28 February 2025.

Company details: AVO bank Joint-Stock Commercial Bank Republic of Uzbekistan, Tashkent, Mirabad district, 14/2 Afrosiab Street. TIN 207257279 Bank code (MFO) 01150 Registration number 16/1

Questions and answers - AVO bank: questions and answers Contact us - [e-mail]

Ratings and reviews

I opened the card, never used it, and blocked it shortly after. Despite that, I was charged a 4,990 UZS commission fee. Charging customers who never used the service is unacceptable. I will not use this bank again.

the app keeps crashing. it's the first time, and I can't access my money now. What is going on? is this a virus or a bug?

You should definitely consider adding an option to control the limits within the app and of a credit card itself, e.g. limits for free transactions between your cards, so it would be available within the app as a status bar that shows your remaining limits for certain months. Also consider adding an English as an alternative language.