TBC UZ Friends review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
TBC UZ Friends pairs a free Visa debit card with a fixed-term deposit paying 16% to 18% and app-based personal loans. It suits adults in Uzbekistan with a steady income who want one app for everyday spending, saving and borrowing, and who can handle personal loans priced at 28% to 49%.
Key facts
- Best for
- Adults in Uzbekistan who want a free debit card, a fixed deposit and a personal loan inside one app.
- Monthly fee
- UZS 0↗
- Free ATM withdrawals
- UZS 10,000,000↗
- Card type
- Debit↗
- Cashback rate
- 1% to 5%↗
- Card network
- Visa↗
- Legal entity
- Joint-Stock Commercial Bank TBC Bank↗
- Headquarters
- Uzbekistan↗
- Founded
- 2020↗
- Support channels
- Phone, Help-centre↗
- Features
- Travel
- Official website
- tbcbank.uz
Loans
- APR
- 28% to 49%↗
- Loan amount
- UZS 300,000 to UZS 100,000,000↗
- Term
- 3 to 24 months↗
- Arrangement fee
- 0 UZS (application and loan servicing are free)↗
- Credit check
- Hard↗
- Funding time
- Same day to the current account in the TBC Bank Uzbekistan app after phone confirmation, also on holidays↗
- Representative example
- TBC Kredit 300,000 UZS for 3 months at 28% annual, 104,702.54 UZS per month, 314,107.63 UZS total↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Citizens of the Republic of Uzbekistan, aged 18 or over, with a permanent source of income, registered in the TBC Bank Uzbekistan app↗
- Loan types
- Personal↗
- Pricing model
- No monthly fee, Fixed rate
Savings
- Headline rate
- 16% to 18%↗
- Minimum deposit
- UZS 100,000↗
- Access terms
- Opened and managed in the TBC Bank Uzbekistan app; terms of 3, 6, 13 or 24 months; interest credited monthly on the deposit opening day; auto-renewal available; early closure recalculates interest at a lower rate↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 11 sources
Pros and cons
Pros
- Debit card with a monthly fee of UZS 0 and cashback of 1% to 5%
- Term deposit pays 16% to 18% at a fixed rate, with a minimum deposit of UZS 100,000 and terms of 3 to 24
- Credit carries an arrangement fee of 0 UZS (application and loan servicing are free), with free early repayment and same day funding after phone confirmation
- Support runs on phone and help centre
Cons
- Everything is opened and run from the TBC Bank Uzbekistan app, so the phone does most of the work
- Loan amounts run UZS 300,000 to UZS 100,000,000 at an APR of 28% to 49%, and the credit check is hard
- Closing a deposit early recalculates interest at a lower rate
Who it suits
- Adults in Uzbekistan with a permanent source of income who bank mainly in the app
- Savers who want a fixed rate deposit alongside a free debit card
- Borrowers who want funds in their current account the same day after phone confirmation
Who should look elsewhere
- Anyone outside Uzbekistan, since eligibility is limited to citizens
- Borrowers who need a soft check, as the credit check here is hard
How TBC UZ Friends compares
8.4 vs 9.4
8.4 vs 9.0
8.4 vs 8.9
8.4 vs 9.4
8.4 vs 8.7
8.4 vs 9.2
8.4 vs 9.4
8.4 vs 8.7
8.4 vs 9.3
8.4 vs 8.9
8.4 vs 8.6
8.4 vs 9.2
8.4 vs 8.4
8.4 vs 8.5
8.4 vs 8.8
8.4 vs 9.0
8.4 vs 8.6
8.4 vs 8.3
8.4 vs 9.5
8.4 vs 9.4
8.4 vs 9.4
8.4 vs 9.3
8.4 vs 9.3
8.4 vs 9.3
8.4 vs 9.3
8.4 vs 9.2
8.4 vs 9.2
8.4 vs 9.2
8.4 vs 9.1
8.4 vs 9.1
8.4 vs 9.1
8.4 vs 9.1
8.4 vs 9.0
8.4 vs 9.0
8.4 vs 9.0
8.4 vs 8.9
8.4 vs 8.8
8.4 vs 8.7
8.4 vs 8.5
8.4 vs 8.4
8.4 vs 8.0- 8.4 vs 8.0
Where TBC UZ Friends is available
- Available
- Uzbekistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the TBC UZ Friends debit card cost to run?+
The monthly fee on the Visa debit card is UZS 0, and the card pays cashback of 1% to 5%. Free ATM withdrawals are covered up to UZS 10,000,000. The card is built for travel and runs on the Visa network.
What rate do term deposits pay?+
Term deposits pay 16% to 18% at a fixed rate, with terms of 3 to 24 and a minimum deposit of UZS 100,000. Interest is credited monthly on the deposit opening day, and auto-renewal is available.
Can I get my money out early from a deposit?+
Yes, though the interest is then recalculated at a lower rate, so a premature close pays less than the headline 16% to 18%. Deposits run for 3 to 24 and can renew automatically, and everything is set up and tracked in the TBC Bank Uzbekistan app.
What does a personal loan cost?+
Loans run UZS 300,000 to UZS 100,000,000 at an APR of 28% to 49%, and the arrangement fee is 0 UZS (application and loan servicing are free) because the application and servicing carry no charge. The representative example shows TBC Kredit borrowed, repaid monthly and in total across the full term.
How fast can a loan arrive and can I repay it early?+
Funding is the same day to your current account in the TBC Bank Uzbekistan app after phone confirmation, and it also works on holidays. Free early repayment is available, so you can clear the balance sooner without a charge.
How do I reach help?+
Support runs on phone and help centre, so you can call or work through the help centre. The same app is used to open and manage the debit card, the term deposit and the loan.
Sources
- cbu.uz/en/credit-organizations/banks/head-offices/ao/tbc checked September 26, 2026
Backs: Legal entity
“Joint-Stock Commercial Bank "TBC Bank"”
- tbcbank.uz checked September 26, 2026
Backs: Support channels
“Contact center: 1150 (24/7 domestic calls), International line: +998 78 777 27 27”
- tbcbank.uz checked September 26, 2026
Backs: Headquarters
“TBC Bank Uzbekistan - digital bank in Uzbekistan”
- tbcbank.uz/product/depozity/term-deposit checked September 26, 2026
Backs: Access terms, Account kind, Term
“TBC Bank muddatli omonatlar ... Omonat muddati 3 oydan 24 oygacha”
- tbcbank.uz/product/depozity/term-deposit/term-deposit-tar... checked September 26, 2026
Backs: Headline rate, Minimum deposit, Pricing model, Rate type
“So'mdagi muddatli omonat ... Muddatlari va stavkalari 24 oy - 16% 13 oy - 17% 6 oy - 18% 3 oy - 18%”
- tbcbank.uz/product/kredity checked September 26, 2026
Backs: Eligibility, Funding time, Lender type, Loan types, Representative example
“TBC Kredit rasmiylashtirishning minimal talablari: O'zbekiston Respublikasi fuqaroligi; 18 yoshga to'lgan bo'lish; Doimiy daromad manbai; TBC Bank Uzbekistan ilovasida ro'yxatdan o'tish”
- tbcbank.uz/product/kredity/faq checked September 26, 2026
Backs: Credit check, Free early repayment
“Yosh, daromad miqdori, kredit tarixi va hozirgi kredit qarzlari inobatga olinadi (the system considers credit history)”
- tbcbank.uz/product/kredity/tariff checked September 26, 2026
Backs: Loan amount, APR, Arrangement fee
“Summa - 300 000 so'mdan 100 000 000 so'mgacha”
- tbcbank.uz/ru/product/debit-card checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Features, Card network
“TBC Salom - plastik Visa debit card for daily spending”
- tbcbank.uz/ru/product/debit-card/tariffs checked September 26, 2026
Backs: Monthly fee
“TBC Salom - Obsluzhivanie: Besplatno”
- cbinsights.com/company/tbc-bank-uzbekistan checked September 26, 2026
Backs: Founded
“launched in 2020”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
TBC UZ Friends
Adults in Uzbekistan who want a free debit card, a fixed deposit and a personal loan inside one app.