What changes. On 26 November 2026, the Central Bank's rules for transfers between individuals by mobile phone number through its Fast Payments System take effect. They set one procedure for every bank: how a number is bound to an account, what the sender sees before paying, and what the receipt must show.
Who it affects. Banks that offer these transfers, and their individual customers who send or receive money by phone number.
The changes that need action
- Binding by offer, with consent. A number is bound in the bank's app under a plain-language offer that includes the customer's consent to use of their name, PINFL and account details. One account per number within one bank.
- Name check before paying. The sender must see the amount, the recipient's full name, the receiving bank and the fee, and give final confirmation. Where the number is bound at several banks, the sender chooses the bank.
- Receipt. Every successful transfer comes with a confirmation that includes the unique transfer number (BID), both parties' accounts and names, the amount and the fee.
- Cancellation by the bank only if the customer's app account is deleted or the customer is on the terrorism and proliferation list, with notice by the next banking day.
- 24/7 in the app, real time; at a branch, during working hours. Both banks apply their AML/CFT internal-control rules (reg. 2886) and the anti-fraud requirements of reg. 3759.
What to do now. Banks: check the binding offer, the confirmation screen and the receipt template against the rules before 26 November. Customers: check which account your number is bound to.
Source: Central Bank Board resolution No. 22/6 of 14 August 2026, reg. No. 3930 (lex.uz). Related guide: Sending money by phone number. See also: Payment organization license in Uzbekistan.
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