How to send money from the UK to Uzbekistan to a Humo card — complete guide (2026)
Best choice — Paysend: fee £0, money arrives in minutes directly to the Humo card number. Profee is a good alternative, first transfer with 0% fee. Wise does not transfer UZS directly — only USD via bank ($9.03). Western Union and MoneyGram are more expensive because of the exchange rate markup — the exact difference depends on the amount and the day, check in the service calculator before sending.
Step by step: how to send £200 to a Humo card via Paysend
It will take 3 minutes. No queues, no bank.
- Download Paysend (App Store / Google Play) or open paysend.com
- Register — you need a passport and a phone number. The first time takes 5–10 minutes.
- Choose Uzbekistan as the receiving country. In the "Receive to" field select Humo.
- Enter the 16-digit card number of the recipient (written on the front of the Humo card).
- Enter the amount in pounds. The service will show the exact amount in UZS and the fee £0.00 before you confirm.
- Pay with a UK debit card (Visa or Mastercard). Credit card also works, but your bank may add a cash-advance fee.
- Done — money on the Humo card usually in a few minutes. Paysend will send an SMS confirmation.
Recipient doesn't have a Humo card? Read the "How to open a Humo card" section below. Or use Western Union for cash pickup — it's more expensive but works without a card.
Service comparison: UK → Humo (Uzbekistan)
All listed services have an FCA (Financial Conduct Authority) licence — that is the British financial services regulator. Data verified 8 May 2026.
| Service | Fee | Humo support | Speed | Features |
|---|---|---|---|---|
| Paysend ✅ | £0.00 | Yes — directly to card | Minutes | Best choice. FCA-regulated. Exchange rate markup ~1.5–2.5% |
| Profee ✅ | 0% first / dynamic afterwards | Yes — Humo, UzCard (alternative Uzbek card scheme), Visa, MC | Minutes | Good alternative. FX after first transfer — check in the app |
| Korona Pay ⚠️ | ~0.95 EUR (unconfirmed) | Claimed | Minutes | Check the fee directly in the app — our live test was unavailable |
| Wise ⚠️ | ~$9.03 (USD-SWIFT) | NO direct UZS support | 1–3 days | Only USD to bank account. The bank converts USD→UZS at its own rate |
| Remitly ⚠️ | £0–3.99 (varies) | Deposit to Humo not confirmed | Minutes – 5 days | Cash pickup available. Check Humo support before sending |
| WorldRemit ❌ | — | UK→UZ corridor not confirmed | — | Not recommended for Uzbekistan as of May 2026 |
| Western Union ❌ | £5–15+ | Cash at partner banks | Minutes (cash) | Most expensive. Only justified if the recipient has no card |
* highlight = best choice; ⚠️ = works with caveats; ❌ = not for Humo card directly
Hidden fee (FX markup): Paysend shows a fee of £0 — that's true. But they set the GBP/UZS exchange rate themselves, usually a bit worse than the real market rate (that's how digital transfer services make money). This is normal practice and still cheaper than cash via Western Union. The main thing — look in Paysend at how many UZS the recipient will get — the final amount is shown before you confirm.
Paysend — best service for Humo
Paysend
Best for HumoPaysend FS Ltd, FCA-authorised. Direct transfer to a Humo card by 16-digit number. Fee £0. Money arrives in minutes.
- Fee £0.00 — confirmed by live check on 8 May 2026
- Direct deposit to Humo, UzCard (alternative Uzbek card scheme), Visa, Mastercard, UnionPay
- Transfer by 16-digit card number of the recipient
- Speed: a few minutes (95%+ of transfers)
- Send from any UK debit card (Revolut, Monzo — also works)
- FCA-regulated service. Registration: passport + phone
- Exchange rate markup ~1.5–2.5% — visible before confirmation
Tips for Paysend — read before your first transferKYC limits, card number errors, large amounts
Verification and limits
Paysend has KYC (Know Your Customer — identity check) levels. Without verification the amount per transfer is limited. After uploading your passport the limits increase significantly. For regular transfers, complete verification right away — it takes 1–2 days.
Error in the Humo card number
The Humo card number is 16 digits on the front. Check every digit before sending. If you make a mistake, the money will go to someone else. Getting it back is only possible through law enforcement in Uzbekistan. A chargeback through your UK bank won't help here.
Large transfer (£1,000+)
The first large amount may be put on hold for 24–72 hours. Paysend will ask for documents: passport, UK address (utility bill or letter from employer/farm), sometimes a payslip. This is normal — required by the FCA regulator. Do not cancel the transfer and do not duplicate it.
When Paysend is temporarily blocked
This can happen on the first transfer or after a long break. Customer support is in the app (chat). Response time: a few hours up to 1 business day. Trustpilot rating 4.7/5 on 25,000+ reviews.
Profee — first transfer free
Profee
0% first transferWorks UK→Uzbekistan. Supports Humo, UzCard (alternative Uzbek card scheme), Visa, Mastercard. First transfer with 0% fee and promo rate.
- First transfer: 0% fee + promo rate
- Direct deposit to Humo and UzCard by card number
- Following transfers: dynamic fee (check in the app)
- Card-to-card transfer, speed — minutes
- FCA-authorised service
After the first transfer: Profee's fee and exchange rate become dynamic and are not published in advance — you only find out in the app when calculating a specific amount. Compare with Paysend before each transfer.
Wise — why it doesn't work for Humo directly
Wise does NOT transfer UZS (Uzbek som) directly from the UK. The service itself says: "We are working on it, but it's not ready yet." The only option via Wise is USD through SWIFT (international bank transfer) to a bank account in Uzbekistan.
When to use Wise for transfers to UZ anywayUSD-SWIFT, large amounts, recipient has a bank account
Wise is suitable if:
- The recipient has a bank account (not just a card) at Anorbank, Kapitalbank, Uzum Bank or another Uzbek bank
- You are sending a large amount — $500+ (then the fixed fee of $9.03 is less noticeable)
- There is no urgency — SWIFT takes 1–3 business days
How Wise USD-SWIFT works to Uzbekistan
- Wise converts GBP→USD at the mid-market rate (no markup)
- Sends USD via SWIFT to the recipient's bank in Uzbekistan
- Wise fee: ~$9.03 ($6.11 wire fee + $2.92 Wise fee)
- The recipient's bank converts USD→UZS at its own rate — may add 1–3% markup
Bottom line: for small amounts (£100–300) Paysend is cheaper — and faster. Wise USD-SWIFT makes sense for amounts of £700–2000+, if the recipient has a dollar account at an Uzbek bank.
Korona Pay — works, check the rates yourself
Korona Pay supports the Uzbekistan corridor and claims to support Humo/UzCard cards. Regulator: EMI licence from the Central Bank of Cyprus. We could not verify the specific fee from UK to UZS live — the UK→UZ page did not load during our check on 8 May 2026. We recommend: download the Korona Pay app and check the rates directly before transferring, compare with Paysend.
Link: koronapay.com
Western Union, MoneyGram, Remitly — when you need them
Western Union and MoneyGram — expensive, but work without a cardThe only option when the recipient has no Humo / bank account
Western Union and MoneyGram are the most well-known, but also the most expensive services for card-to-card transfers. They have both an explicit fee (depends on the amount) and a noticeable exchange rate markup. Check the exact figures on their official websites before sending — fees change by day and corridor.
Example: £500 → Uzbekistan
| Service | You lose approximately | Comment |
|---|---|---|
| Paysend | ~£8–13 | £0 fee + FX markup ~1.5–2.5% |
| Profee (first) | ~£3–7 | 0% fee + promo rate |
| MoneyGram | ~£20–35 | Fee + FX markup |
| Western Union | ~£25–45 | Highest losses |
When Western Union makes sense: the recipient is an elderly person without a bank card in a small town in Uzbekistan. WU points work through national partner banks (Agrobank, Hamkorbank, etc.). They can receive cash in som.
Remitly — fast transfers, but Humo not confirmedCash pickup works, direct deposit to Humo — check
Remitly works UK→Uzbekistan (corridor confirmed). Cash pickup at payout points — works. Bank transfer — works. Direct deposit to a Humo card is not confirmed on their official pages as of May 2026.
If you want to try Remitly: the first transfer often has 0% fee. Check whether your specific option (Humo card) is supported when creating the transfer.
Link: remitly.com
What is a Humo card — explanation in simple words
Humo is the Uzbek domestic payment scheme. Like Visa or Mastercard, but local, Uzbek. A Humo card is issued by Uzbek banks (Anorbank, Kapitalbank, Uzum Bank, Ipak Yuli, Hamkorbank and others). The system itself is called the National Interbank Processing Centre (NMPC).
History and scale of HumoLaunched 2019, privatised for $65M, 210,000 terminals
Launch and growth
Humo was launched in 2019 as an alternative to UzCard (the oldest Uzbek payment scheme). It quickly spread across Uzbekistan — now more than 27 million cards (as of January 2025; the exact current figure is not published openly).
Privatisation 2025
In January 2025 the company Paynet bought 100% of NMPC (operator of Humo) for $65 million. The ultimate owner is Mustafa Abdurakhmanov through the company New Industrial Technologies. This is the first private national payment system in Uzbekistan.
Scale
- 210,000 POS terminals (cash registers in shops) accept Humo
- ATM networks of Humo and UzCard have been merged since 2024 — a Humo card can be used in ATMs of both networks
- Market share: ~30–40% of transactions (UzCard — 60–70%)
- Co-badged cards (Humo + Visa, Humo + Mastercard, Humo + UnionPay) are accepted abroad
Regulator
Central Bank of the Republic of Uzbekistan (CBU). The system works only in som (UZS). International transfers go through issuing banks.
How to open a Humo card for a relative in Uzbekistan
A Humo card is obtained at any Uzbek bank branch that issues it (Anorbank, Kapitalbank, Uzum Bank, Hamkorbank, Agrobank, Ipak Yuli, Ipoteka Bank, Aloqabank and others).
- Go to the bank with a passport of a citizen of Uzbekistan
- Fill out an application to open a card (free at many banks)
- Get the card — usually issued immediately or within 1–3 days
- Tell you the 16-digit number from the front of the card
Uzum Bank — a convenient option: you can order a card in the Uzum app without visiting a branch. Fast and free. Suitable for younger relatives with a smartphone.
Identification for large transfers: Since 2026, transfers over ~10.3 million som (about £635) require biometric identification via MyID on the recipient's side. This is a requirement of the Central Bank of Uzbekistan, not the transfer service.
Money arrived on the Humo card — what the recipient should do
Usually the money arrives on the Humo card within a few minutes. The recipient will see an SMS or push notification from the bank.
- Check the balance in the bank app or via SMS (most banks send an automatic SMS when money arrives)
- Withdraw cash at any ATM with the Humo or UzCard logo (networks are merged)
- Pay with the card at any shop with a Humo/UzCard terminal
Cash withdrawal fee: depends on the bank that issued the card. At most Uzbek banks, withdrawals at "own" ATMs are free. At "other" ATMs — 0.5–1%. Check with the recipient's bank.
Do you need to pay tax in Uzbekistan on money from the UK?
For most cases — no. Personal transfers between individuals (relatives, friends) are not taxed in Uzbekistan and do not need to be declared.
Tax details — read if you send large amounts12% personal income tax only if the sender is a foreign company. 2026 identification threshold.
Individual → individual
Salary you earn in the UK and send to your family in Uzbekistan is not taxed on the recipient's side. No declaration needed. The recipient just uses the money.
When the 12% tax does apply
Personal income tax of 12% is charged only if the sender is a foreign company (fees, dividends, royalties). This does not apply to transfers from seasonal workers.
New 2026 threshold: biometrics for large amounts
Since 2026, the Central Bank of Uzbekistan requires additional data for transfers over 25 BRV (~10.3 million som, about £635). The recipient needs biometric identification through the MyID system. This is not a tax — just a bank requirement. If your recipient has not done MyID, transfers over £635 may be delayed or require a visit to a branch.
Taxes in the UK when sending
In the UK there is no tax on sending money abroad to family. Your after-tax salary (after PAYE) is yours — do what you want with it. If you work officially, your employer has already deducted PAYE (Pay As You Earn) when paying you.
If something goes wrong — what to doTransfer stuck, wrong card number, account frozen
1. Transfer "Pending" for more than a few hours
AML (Anti-Money Laundering — check for suspicious transactions) algorithms have been triggered. Often the reason: you usually send £100–200, but now you sent £1,000+. Or the amount exceeds £10,000 in a month.
What to do: wait for an email from the service's compliance department. Prepare: passport, UK address (a letter from employer/farm also works), payslip.
Do not: cancel and send through another service. This is called "smurfing" (splitting payments) and leads to blocking all related accounts.
2. Wrong Humo card number
Paysend does a check: if a card with that number exists, the money will go to its owner. If the number does not exist, Paysend will automatically return the money in 1–3 business days. If the money went to the wrong person — only through law enforcement in Uzbekistan. Always check the number three times.
3. Transfer declined
The money will be returned to your account in 1–3 business days. Reasons: the recipient's bank rejected it, error in details, technical failure. Check the email or SMS from the service — the reason is usually there.
4. Account "frozen for verification"
Standard Enhanced Due Diligence procedure. Prepare: passport + UK Proof of Address + payslips + purpose of transfer ("supporting family in Uzbekistan"). Under FCA requirements — a decision within 8 weeks. If they drag it out longer, you can complain to the Financial Ombudsman Service (FOS).
5. Money arrived but less than expected
The recipient's bank (the one that issued the Humo card) may have charged its own fee for receiving the transfer. Find out the bank's rates in advance. Also the GBP/UZS exchange rate may have changed at the moment of transfer.
6. Large transfer before leaving the UK
If you want to send everything at once (£2,000–5,000) before returning home — do it a week before departure, not on the day. Algorithms may hold a large first amount for 1–3 days. On the day of departure, panic, questions about documents — stress.
Alternatives: if Paysend is not suitable
Cash via Western Union or MoneyGramIf the recipient has no card — this is the only option
If the recipient is an elderly person without a smartphone and bank card, Western Union or MoneyGram is a reasonable choice. Money is received in cash at partner bank branches (Agrobank, Hamkorbank, Asaka and others).
Western Union: send via westernunion.com or the app. Enter the country, the recipient's name as in the passport. The recipient goes to a branch with a passport and a control number.
Cost: about 3–4 times more expensive compared to Paysend for the same amount. But if there is no alternative — it's justified.
Crypto — why we do NOT recommend it for family transfersBinance P2P UZS suspended, grey area
Some people use cryptocurrency (USDT and others) for transfers to Uzbekistan via P2P platforms.
What changed in 2025–2026:
- Binance P2P in UZS suspended since 26 May 2025 — the main crypto corridor is unavailable
- The Central Bank of Uzbekistan is legalising stablecoins from 1 January 2026, but the infrastructure is only being rolled out
- USDT through unofficial P2P platforms — grey area: risk of losing money, risk of the recipient's card being blocked
Conclusion: for regular family transfers — do not use crypto. Paysend is simpler, faster and safer. Crypto is for those who understand the risks and are ready to deal with them.
Useful guides on svoi.uk
Questions and answers
What is the Paysend fee for a transfer to a Humo card?
Fee £0.00 — confirmed by live check on 8 May 2026. The service makes money from the FX markup ~1.5–2.5% on the exchange rate. The final amount in UZS is visible before you confirm the transfer.
Can I send money to a Humo card via Wise?
Wise does not support direct sending in UZS. Only USD via SWIFT to a bank account (~$9.03 fee, 1–3 days). For a Humo card use Paysend.
How long does a transfer to a Humo card take?
Paysend: a few minutes in 95%+ of cases. Profee: also minutes. Wise USD-SWIFT: 1–3 business days. Western Union cash: a few minutes.
Do I need to pay tax in Uzbekistan on money from the UK?
No. Personal transfers between individuals (from you to family) are not taxed and do not need to be declared. 12% personal income tax only if the sender is a foreign company.
How do I get the recipient's Humo card number?
The card number is 16 digits on the front of the card. Ask the recipient to take a photo of the card and send it to you. Expiry date and CVV are not needed for Paysend — only the number.
What should I do if the transfer is stuck on "Pending"?
An AML check has been triggered. Wait for an email from the compliance department — usually within a few hours. Prepare passport, UK address, payslip. Do not cancel or duplicate — that is smurfing.
Can I send from a Revolut or Monzo card?
Yes, Paysend accepts payment from any UK debit card — Revolut, Monzo, Starling, regular bank. Important: pay with a debit card, not a credit card (credit card = cash advance fee from your bank).
Does WorldRemit work for Uzbekistan?
The UK→UZ corridor is not confirmed on WorldRemit's official pages as of May 2026. Not recommended as a main option.
Is there a limit on the transfer amount via Paysend?
Limits depend on the KYC verification level. After uploading your passport the limits increase. Paysend does not publish exact amounts — check in the app.
What is FCA and why is it important?
FCA (Financial Conduct Authority) is the British financial services regulator. Services with an FCA licence are required to protect your money, take responsibility for errors, and participate in the Financial Ombudsman Service. Do not use services without an FCA licence.
What is a Humo card?
Humo is the Uzbek domestic payment scheme, launched in 2019. More than 27 million cards (as of Jan 2025). In January 2025 the company Paynet bought the system for $65 million. Cards are issued by commercial banks in Uzbekistan.
Do I need to do anything in the UK to send money?
No. Transfers to family are normal financial operations that do not require notifications to HMRC or other authorities. Your money has already been taxed through PAYE.
Does Profee work UK→Uzbekistan?
Yes, it works. First transfer — 0% fee + promo rate. Afterwards — dynamic fee, which you see in the app when creating the transfer.