Uzbekistan
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
AVO bank
Tashkent bank. CBU licence no. 83 (28 Feb 2025). Real bank, young charter.
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6.3Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank — JSC AVO BANK, licence no. 83 dated 2025-02-28 (Central Bank of Uzbekistan). Still read the entity on the statement.
If it fails?
Uzbekistan Deposit Guarantee Agency — 2025 law, compensation up to 200 million som on eligible deposits. Confirm live cap and membership.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Digital-bank SKU — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.3
/10 · Mixed
JSC AVO BANK is on the CBU head-office list: licence 83, 28 February 2025, Nukus Street, Mirabad, Tashkent. Score it as a bank. The 2025 deposit-guarantee law is the safety line, not the app icon. Do not flatten it into a CIS super-app.
What it is
AVO is a 2025 Tashkent charter, not a rebrand of a Soviet savings bank. Directories will file it next to Revolut because it has an app. This desk files it next to the CBU PDF. Young banks fail more often than old ones. Keep that in the score.
Best for: Uzbekistan residents who want a CBU bank with an app, not a wallet.
Last checked 2026-08-28. Not advice.
What it does well
- +Named CBU licence
- +Real bank
- +Deposit-guarantee law exists as of 2025
- +Not an EMI
What to watch
- −Months-old charter
- −Som-only home
- −Scheme is young
- −Not a remote IBAN
Who holds the money
The account
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal · Business
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- AVO bank lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Uzbekistan Deposit Guarantee Agency — 2025 law, compensation up to 200 million som on eligible deposits. Confirm live cap and membership.
Who holds the money: JSC AVO BANK
- Central Bank of UzbekistanBank — JSC AVO BANK, licence no. 83 dated 2025-02-28 · Uzbekistan
Fees
- Monthly
- Digital-bank SKU — confirm live
- FX markup
- Som product, not a travel card
- ATM
- Network schedule
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Uzbek som current / savings
- CBU bank
- App + cards
- Business SKU
- Named licence number
Score
- Safety25%
- 6.8
- Fees20%
- 7.2
- Features15%
- 6.6
- App15%
- 7.0
- Global15%
- 3.0
- Support10%
- 6.2
Change log
Full logLicence
CBU licence no. 83 — JSC AVO BANK
Tashkent. Real bank. 2025 deposit-guarantee law is the safety line, not the app icon.
Available in
Straight answers
FAQ
01Is AVO bank a bank?
AVO bank holds a banking-style licence (Central Bank of Uzbekistan). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Uzbekistan Deposit Guarantee Agency — 2025 law, compensation up to 200 million som on eligible deposits. Confirm live cap and membership.
03Where is AVO bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with AVO bank.
04Card and wallets?
AVO bank lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open AVO bank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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