How the Partnership Will Drive Card Adoption
TBC Bank Uzbekistan, a leading digital bank in the country, announced on September 24, 2026, that it is expanding its TBC Salom debit card programme through a new collaboration with UZCARD. The initiative targets the issuance of up to one million additional cards, marking a significant step in the bank’s efforts to strengthen its retail banking footprint across Uzbekistan. The partnership leverages UZCARD’s national payment infrastructure to enhance card accessibility and usability for consumers.
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Zilch Expands Financial Services with New Membership Tiers and Credit ToolsUnder the agreement, TBC Bank Uzbekistan will integrate its TBC Salom debit cards with UZCARD’s widely accepted network, enabling seamless transactions at ATMs, point-of-sale terminals, and online platforms nationwide. This integration addresses a key barrier to digital banking adoption—limited card acceptance—by ensuring that TBC Salom cards function wherever UZCARD is supported. The bank emphasized that the expansion aligns with its strategy to deepen financial inclusion through innovative, user-friendly digital solutions. By combining TBC Bank’s digital-first approach with UZCARD’s established reach, the collaboration aims to accelerate the shift from cash to electronic payments in Uzbekistan’s growing economy.
What Challenges Might Arise in Scaling the Card Programme?
Scaling to one million new cards presents operational and educational hurdles, including the need for robust fraud prevention systems, customer onboarding efficiency, and public awareness campaigns to promote card usage over cash. TBC Bank Uzbekistan acknowledged that success will depend on maintaining transaction security while simplifying the user experience for both tech-savvy and first-time digital banking users. The bank plans to deploy targeted outreach in urban and semi-urban areas, supported by multilingual customer service and educational materials. Monitoring transaction patterns and user feedback will be critical to refining the programme as it grows.
What is the TBC Salom debit card? The TBC Salom debit card is a digital banking product offered by TBC Bank Uzbekistan, designed for everyday transactions such as purchases, cash withdrawals, and online payments, linked directly to a customer’s bank account.
Frequently Asked Questions
Why is UZCARD important for this initiative? UZCARD is Uzbekistan’s national payment network, widely accepted across ATMs and merchants; partnering with it ensures that TBC Salom cards can be used broadly, increasing their practical value for users.
How will TBC Bank Uzbekistan ensure security for the new cards? The bank will implement advanced encryption, real-time transaction monitoring, and two-factor authentication protocols to protect cardholders against fraud and unauthorized access.
