Mastercard Standard

Payment cards

Issue: 25 000 UZS

Cash withdrawal at the cash department of the JSCB Kapitalbank: 0%

Cash withdrawal from ATMs of the JSCB Kapitalbank: 1,5%*

Cash withdrawal outside the Republic of Uzbekistan: 2% + acquiring bank's tariff

Card account maintenance: Free

Last modified date: 10/07/2024

* Processing of Cash Withdrawal Transactions with Mastercard Cards at "Kapitalbank" JSCB

Through the cash desk/terminal of "Kapitalbank" JSCB – no commission is charged.
At ATMs serviced by "Kapitalbank" JSCB – 1.5% of the withdrawal amount.

Cash withdrawals at ATMs are made in the national currency at the bank's exchange rate at the time of the transaction.

Advantages of the card:
     a) Contactless payment (PayPass contactless technology allows you to pay for shopping with just one touch).
     b) SMS notification (be familiar with all card transactions: receive SMS messages on your mobile phone and monitor the expenses promptly).
     c) Payment for goods and services via the Internet (enjoy online shopping: order goods or pay for services remotely).
     d) The ability to install a PIN code yourself (set your own unique four-digit PIN code).
    e) Maintenance of a card account in Euro currency (an excellent choice for trips to Europe, make purchases without unnecessary conversion costs).
     f) Instant issue of the card (now you don't have to wait for several days, the card is personalized within a few minutes).
     g) The free 3DSecure service (a technology for ensuring the security of card payments via the Internet, confirmed by a one-time password in the form of SMS message to mobile phone).

	Bank’s service / condition for provision of the service	Rate of commission fee to the Bank charged to the Client for the transactions performed by the Bank	Note
a)	Issue of the primary card	25 000 UZS 2 USD 2 EUR
b)	Issue of the additional card	25 000 UZS 2 USD 2 EUR	The additional card may be MasterCard Standard only Except for: No commission is charged within the "Kapital Premium", "Kapital Privilege" package
c)	When ordering through a mobile application with delivery by prior request	Tariffs for cards delivery
d)	Period of validity of the card	5 years
e)	Re-issue of the card due to expiration of the card's validity period	Free of charge* 25 000 UZS 2 USD 2 EUR	*When applying before and after one month of expiration of the card's validity period
f)	Early reissue of the primary or additional card	25 000 UZS 2 USD 2 EUR	When applying more than 1 month before expiration of the card's validity period
g)	Reissue of the card due to:
	- Loss	25 000 UZS
	- Damage	2 USD
	- Changed name of the card holder	2 EUR
	- Changed PIN code
h)	Minimum balance on the card account that is not available for use on the card	10 Euro
i)	Minimum initial in-payment to the card account	none	If the card currency differs from the transaction currency, an amount of 1% of the transaction amount will be temporarily blocked.
j)	Service of the card account	No fee charged
k)	Processing of cash receipt transactions from Mastercards of Kapitalbank JSCB via cash desk / terminal of Kapitalbank JSCB	No fee charged
l)	Processing of cash receipt transactions from Kapitalbank JSCB’s cards in other banks	2%
m)	Processing of transactions for payment for goods and services within the network and beyond the service network of JSCB “Kapitalbank”	1.0% (at least 0.5 Euro)
	For payments by cards of JSCB Kapitalbank on MSS 6051	1%
n)	Maintaining a bank card account in terms of investigation of account and transactions	No fee charged
o)	A fee for blocking a card with a “stolen or lost” sign	No fee charged
p)	Activation and service of the 3D Secure service	No fee charged
q)	Maintaining a card account and settlement under transactions		The currency of Kapitalbank’s Mastercard is Euro. For transactions in other currencies, a dynamic exchange rate is applied. At the time of the transaction, the preliminary amount on the card is blocked at the exchange rate, and the final debit payment is made at the exchange rate on the day of settlements with Mastercard.
r)	Processing transactions for receiving cash using Mastercard plastic cards at ATMs serviced by JSCB “Kapitalbank”	1.5% of withdrawal amount	For national currency

REGULATIONS on comprehensive banking services for individuals at the Single Branch of the Joint-Stock Commercial Bank "Kapitalbank"

Size: 3.69 MB

Format: pdf

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Msastercard card is the key to access to your account where your money is stored. Observing the following main precautions while using this card enables to mitigate the risk of unauthorized access of your account.

To avoid using your card by another person, keep the PIN-code separately from the card, do not write the PIN-code on the card, do not give the PIN-code to any other people. When typing the PIN-code on the electronic terminal or ATM you should do in the way so it is not visible to others what being entered.
Verify periodically the transactions on the card account - this can be done with the help of the bank statements, as well as using the free SMS notification service, by sending an SMS message to short number 2212. In case of detection of suspicious or unusual transactions, immediately inform the bank. The list of SMS information instructions is available here-> INSTRUCTION
In case of loss of the card (theft, seizure) or if information about the PIN-code or card details became available to third parties, immediately put the card on the STOP list using the SMS notification service by sending the SMS message to short number 2212 and also immediately contact “Kapitalbank” JSCB and inform about the loss of the card either verbally or in a written form.
To avoid fraud with your card, require the transactions to be carried out only in your presence, do not let take it out of your field of vision.
While withdrawing cash at the ATM, make sure that the ATM is installed in a well-illuminated place or a special room of the bank, do not carry out transactions with the ATMs that are installed in deserted places. Examples of installing facilities for sensing card details.

Documents required to open the card:

Residents of the Republic of Uzbekistan: internal passport of a citizen, registration
Non-residents of the Republic of Uzbekistan: international passport, registration, PINFL, phone number with the prefix of Uzbekistan.

Questions-answers

How to secure a card?

Updated 27 June 2025 г. 18:33

Do not give your card to strangers, do not share the PIN code, and do not store it with the card. Do not leave the card unattended and do not provide the card details over the phone.

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Is it possible to reissue a card before the expiration date?

Updated 27 June 2025 г. 18:33

Yes, the card can be reissued before the expiration date. For a month, in the same month and a month later - absolutely free of charge.

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What is the validity period of a card?

Updated 27 June 2025 г. 18:32

A card is valid for 5 years. The validity period of the cards is indicated on the card itself.

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Is it possible to apply for a card for a child?

Updated 27 June 2025 г. 18:32

Yes, you can apply for a card for children from the age of 14, but for children younger than that, the consent of his/her parents or guardians will be required.

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What should be done if the card is stolen or lost?

Updated 27 June 2025 г. 18:31

In case of loss or theft of the card, it is necessary to contact the bank as soon as possible through the 1340 hot-line, block it through the Kapitalbank JSCB mobile application, or visit the nearest branch to block the card and prevent unauthorized use.

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Which card to choose for international travel or shopping?

Updated 27 June 2025 г. 18:31

For international travel or shopping, Visa or MasterCard cards, which are accepted everywhere, will be the best option. These cards provide access to funds in foreign currency and allow to withdraw cash from ATMs abroad

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What documents are required to apply for a card?

Updated 27 June 2025 г. 18:31

The following documents are required for residents of the Republic of Uzbekistan:

An identity document (biometric passport, ID card, new style driving license)
Local operator's phone number

The following documents are required for non-residents of the Republic of Uzbekistan:

International passport
Registration in the territory of the Republic of Uzbekistan (if without QR-code, stamp of entry into the Republic of Uzbekistan)
Individual Personal Identification Number
Mobile number of an Uzbek national operator (+998)
Non-resident client questionnaire filled in by hand

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