Humo Bank review
Updated October 14, 2026 · SumCue Editorial Team
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Our verdict
Humo card applicants must be at least 18 and can apply with a form or at a branch using a passport.
Key facts
Loans
- APR
- 32%↗
- Loan amount
- TJS 50 to TJS 100,000↗
- Term
- 24 months↗
- Arrangement fee
- Up to 1% of the loan amount↗
- Credit check
- Hard↗
- Funding time
- In app within 30 seconds; decision within 3 days for an online application↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Passport of the Republic of Tajikistan, TIN and income certificate↗
- Origination fee (%)
- 1%↗
- Loan types
- Personal, Credit-line↗
- Credit needed
- Fair↗
- Pricing model
- Fixed rate
Pros and cons
Pros
- The age requirement, application route and PIN-change channel are stated
Cons
- Applicants must be at least 18
Ready to try Humo Bank?
Who it suits
- Adults in Tajikistan applying for a Humo card or changing its PIN online.
Account
Humo card applicants must be at least 18 and can apply with a form or at a branch using a passport. Humo Online lets Visa cardholders change their PIN from the Cards section.
How Humo Bank compares
Where Humo Bank is available
- Available
- Tajikistan
- Licence in Tajikistan
- National Bank of Tajikistan (0000344), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which company operates Humo Bank?+
Humo Bank is operated by CJSC Humo Bank. (Source, checked September 26, 2026)
Where is Humo Bank based?+
Humo Bank is based in Tajikistan. (Source, checked September 26, 2026)
When was Humo Bank founded?+
Humo Bank was founded in 2025. (Source, checked September 26, 2026)
How can I contact Humo Bank support?+
Humo Bank offers support through Phone. (Source, checked September 26, 2026)
Sources
- humo.tj/en/about checked September 26, 2026
Backs: Founded, Headquarters
“In 2025 year: Obtained a banking license, transformed into “Humo Bank””
- humo.tj/en/cards checked September 26, 2026
Backs: Card type, Cashback rate, Legal entity, Card network, Support channels, Licences
“Visa Classic - Simple opportunities for everyday life”
- humo.tj/en/credit checked September 26, 2026
Backs: Credit needed, Eligibility, Arrangement fee, Origination fee (%)
“A loan application may be declined if an applicant has a history of missed or late payments on previous credit obligations ... or if the applicant lacks stable employment or permanent residency”
- humo.tj/en/credit/orzu checked September 26, 2026
Backs: Loan amount, APR, Credit check, Lender type, Loan types
“Loan product "Orzu": Up to 100 000 s loan amount; calculator Loan amount from 50 to 100 000”
- humo.tj/en/deposit checked September 26, 2026
Backs: Minimum deposit, Pricing model, Rate type, Term
“High-yield saving account "Sarchashma" - minimum amount 10 somoni”
- humo.tj/en/deposit/sarchashma checked September 26, 2026
Backs: Access terms, Account kind, Headline rate
“Top-up and withdrawal at any tim ... High-yield saving account "Sarchashma" - Flexible terms with guaranteed interest”
- humo.tj/tj checked September 26, 2026
Backs: Features
“Pay with Google Pay - Connect your VISA card from Humo to Google Pay; Apple Pay now available at Humo”
- online.humo.tj/en checked September 26, 2026
Backs: Funding time
“The "Orzu" service lets you receive up to 50,000 somoni in 30 seconds anywhere; Fill out the form on the website and receive a decision within 3 days”
Compiled from 8 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.
Humo Bank
Adults in Tajikistan applying for a Humo card or changing its PIN online.