UnionPay-Uzcard Cobaging cards

About the card:

A cobaging card is a joint card of two payment systems UzCard and UnionPay, intended for the use in the infrastructures of both payment systems. That is, in Uzbekistan cobaging card is accepted for payment as a regular sum card, and abroad as a currency card. When paying with a cobaging card abroad, soums are instantly converted into the currency of the country where the purchase is made using the cross-selling rate of US dollars at the Aloqabank exchange office.

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The advantages of cobaging cards of UnionPay-UzCard:

• It can be used in both Uzbekistan and 176 countries and regions;
• Instant conversion of sum funds when paying in a foreign currency;
• Payment for purchases on international Internet platforms in national currency;
• Connect to Zoomrad and other popular mobile apps;
• All usage privileges in the UnionPay infrastructure;
• Transfers from card to card within the UzCard system;
• Contactless payment method-NFC, multi-level security system.

The card with contactless payment technology (NFC) is equipped with a built-in chip and an antenna that transmits information about the payment via radio channel to the contactless terminal..

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How to use contactless cards?

You can make a contactless payment only in places where the NFC logo is present:

The purchase process itself looks like this:

• you check the payment amount entered by the cashier;
• hold the contactless card up to the reader for a moment;
• A beep sounds and an inscription appears on the display that confirms the payment;
• the terminal turns off (this eliminates the double write-off amount).

Payment with a cobaging card outside the Republic of Uzbekistan is made by debiting funds from the card account in soums at the rate of sale of US dollars to individuals set at the xchange offices of the bank.

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