Is It Advisable To Carry Cash Or Use Credit Cards For Transactions In Uzbekistan?

In Uzbekistan, it is strongly advisable to carry both cash and a credit or debit card, as each serves a distinct role depending on where you are and what you are buying.

Cash is essential for most daily transactions, especially in local markets, small shops, taxis, and rural areas, where cards are often not accepted. The Uzbek som is the primary means of payment for public transportation, street food, and smaller purchases. Always ensure you have enough cash in small denominations, as vendors may struggle to change large bills.

Credit and debit card acceptance is expanding, particularly in major cities such as Tashkent, Samarkand, and Bukhara. Larger hotels, supermarkets, upscale restaurants, and some retail shops will usually accept Visa and Mastercard. Visa and Mastercard are widely accepted, while American Express and Diners Club are accepted at far fewer places and should not be relied upon. While card usage is expanding, occasional issues may occur such as ATMs running out of cash, POS terminals losing connection, or certain foreign cards not being recognized. Having cash as a backup is therefore essential.

Prepaid travel cards can be a safe way to manage your budget and reduce fraud risks, but they are not widely accepted in Uzbekistan and work best as a backup option rather than your primary payment method.

Most taxis still require cash payment, though in larger cities some ride-hailing apps (like Yandex Go) may allow card payments if set up in advance. Public transport in Tashkent also supports electronic payment systems, but carrying cash is still advisable.

Best practice:

• Use your card for larger or high-value purchases when accepted.
• Carry enough local currency (Uzbek som) each day for small transactions, transportation, and any emergencies.
• Allow for potential outages or card incompatibility by keeping cash on hand.

In summary, Uzbekistan remains largely cash-based, especially outside major cities, though electronic and card payments are becoming increasingly common in urban areas. A hybrid approach—using cards where possible, but always carrying cash for essentials—remains the best strategy for travelers.