HAYOT BANK JSC

HAYOT BANK JSC received a preliminary Central Bank licence on 31 August 2022 and its full licence on 16 March 2023, which the bank gives as its founding date. Licence No. 91 was reissued on 15 September 2025. The registered office is at 49 Parkent Street in Tashkent's Yashnabad district, where the Yashnabad banking services centre has operated since January 2025. The Central Bank lists it among private banks; the website does not disclose its shareholders. The first centre, Oybek, opened in June 2023; offices in Chirchik, Samarkand, Kokand and other cities followed in 2024–2025.

Retail products include the Uzcard DUO debit card and a co-badged Uzcard–Mastercard card, som deposits (Comfort, Hayot Baraka, Yaxshi Niyat, Yaxshilikka), the Yaxshisi microloan (also available online in the app) and 'Partnership Income' investment products in som and US dollars, which the bank describes as consistent with society's moral principles. Businesses get accounts, corporate cards, acquiring, payroll projects, foreign-trade services, Islamic leasing, online banking and the Hayot Business app. The website lists more than 20 centres and offices in Tashkent city and region, Nukus, Bukhara, Fergana, Kokand, Jizzakh, Navoi, Karshi, Samarkand, Gulistan, Termez and Urgench. The mobile app, Hayot Bank, works in Uzbek, Russian and English.

For travellers

The bank runs three 24-hour currency exchange offices in Tashkent (45 Makhtumkuli Street, 7 Turkiston Street and 1A Alisher Navoi Street) and one in Samarkand (3 Rudaki Street); Non-residents can open a card or deposit at a branch with a passport and proof of their stay in Uzbekistan. The Uzcard–Mastercard card is accepted in more than 210 countries. International transfers are available only via SWIFT (listed in the tariffs); systems such as Western Union are not offered. Call centre 1320: daily 8:00–20:00.