Frequently asked questions about Click system (FAQ)

1. General questions about connection

(questions about connection, errors during connection, adding cards, reregistration, subscription fee, commissions, balance, payments history)

Question about connection

Before connecting to Click system to your phone number you need to connect SMS-notification service to this phone number

- - Humo card via your bank
- - Uzcard/UnionPay card via your bank or ATM

After that you can use one of 4 Click system interaction interfaces (USSD, Click Up application, @clickuz Telegram bot or Personal cabinet “”.

Yes. In security purposes Click system can be connected only to the phone number which has a connected SMS-notification service.

You need to disconnect the SMS-notification service via ATM or bank and the activate it to the actual number.

No. In security reasons SMS-notification service as a Click system can be connected to 1 phone number at a time.

USSD: send the following request: *880*0*card_number*expiry_date(MMYY)# dial button. If it is the first card on the first entrance to the system via USSD interface (via dialing *880#) the System will ask you to set a 5-digit Click-PIN.

Mobile application: Download and install the "Click Up" application from GooglePlay (Android) or AppStore (iOS). At the first entrance you need to enter your phone number that has a connected SMS-notification service, confirm the phone number via SMS-code which will be sent. After that enter your card at the special page: enter card number and expiry date to the dedicated forms. And set your 5-digit Click-PIN after that.

Telegram bot: Enter “@clickuz” at the search line, pick the “clickuz” bot and press Start button.
Select language. After that the bot will ask to send him a phone number as a contact or to enter it manually. It is required to enter an actual phone number that has a connected SMS-notification service. At the next step you will need to confirm the phone number by entering the code which will be sent by SMS. Bot will as you to enter a card number and expiry date. The last step is to set a 5-digit Click-PIN.
Attention! Click-PIN at the Telegram bot is required to be dialed at the special digits keyboard that will appear at your screen.
Personal cabinet: the same as at mobile application.

Errors during connection

See Question 1

See Question 2 and 3

Error (-98) – you are entering the incorrect expiry date, (20/20, 19/23 ...). Look at the card and enter the date shown on it.

Error (-3) – you are entering the incorrect card number or the card is invalid. Check the number and try again. If the error repeats, contact the bank.

Error (-14) – you have not set the PIN code to your plastic card and therefore you have not connected an SMS-notification service. See questions 1, 2.

Error (-20) – the card is blocked. Contact the bank.

Errors -17[-17], -37[-37] -70[70] and etc. Contact your bank.

Adding the second, third and other cards

Yes. You can add as many any number of cards to the same phone number, but all of them have to be connected to the SMS-notification service. See question 1, 2.

The Click-PIN set at the first connection is applied to all cards.

Reregistration (change of the phone number)

First, you need to disconnect the SMS-notificatuon service and to connect it with a new phone number via ATM or bank. After that you can connect the cards as usual. See question 5.

Questions on subscription fee, commissions and etc.

There is no subscription fee for the use of Click system. You will be charged only for SMS, sent to you by Click system on successful payments, transfers and etc. It is 46/84 soum for 1 SMS.

There is a subscription fee for additional services:
- “Card history” 1000 soum for each card per month (charged at the 1 day of each month)
- “Traffic fines” – 2000 soum monthly (charged at the 1 day of each month)

Comission is applied at the following transactions:
Transfer from card to card.
Uzcard<-> Uzcard – 1%
Uzcard<-> Humo – 1%
Humo<-> Humo – 0,8%
Wallet -> Uzcard – 1,5%
Uzcard/Humo -> Wallet – 0%
Wallet<-> Wallet – 0%
Payments for state services: up to 1% (% may differ and change in accordance to conditions of a supplier)
Railway tickets: 2%
Credit payments: up to 1%
Note. If there is a commission to be applied at the payment for service or goods, client will be notified during the payment process.

Information on balance, payment status and etc.

The balance of the card can be checked via any of 4 existing system interfaces:
Telegram bot: “Balance” section.

Via USSD you can see the last 3 or 15 payments.

Follow the steps: *880#>5 – Settings > 7 – Information > 2 – last 3 or >3 – last 15 payments (this service provides information on payments via SMS to your Click phone number and each SMS costs 84 soum).

In first case you will see last 3 payments with date, service name, payment amount and payment status. It will not show the information about paid number/account/ID.

In the second case you will receive an info on last 15 payments via SMS. It will contain a detailed info with numbers/accounts and IDs.

There is also a short request: *880*00*3# or *880*00*15#.

Attention! For each info message you will be charged 46/84 soum. You will not receive any information if the balance of your mobile phone is zero or negative.

Via USSD you can receive only about 15 last payments. More detailed report on payments can be obtained via other online interfaces such as mobile application, personal cabinet or Telegram bot.

Click system provides full information only on payments made in the Click system. To receive an information on payments made outside of the Click system you will need to activate an additional service “Cards history”.

Mobile application: Settings > Notifications > Cards history > choose a necessary card.
Personal cabinet: History > Card history> click a necessary card.
Telegram bot: Payment history > Enable card history > click a necessary card.

See question 12 (A)2

If there is enough amount at the card balance for the subscriber fee the service will be reactivated automatically at the beginning of each month. If not, the service will be stopped and it will require a manual activation.

No. The report on outer payments are shown only in mobile application, personal cabinet and Telegram bot. The report obtained via USSD will contain only payments made within Click system.

Usually in all interfaces and information messages sent as SMS the card number is not shown in full, some digits are changed with * symbol.
The card’s number can be seen in personal cabinet’s “Cards” section by clicking on the necessary card and selecting the option “Show the card’s number”.
Also one can copy a card’s full number in the mobile application.
Click your card at the main page and thus open a section “My cards”. At the right corner of the card there is a button “Copy” which copies a card’s full number to a buffer. You can paste it to any text editor.

2. General questions on transfers

(P2P transfers, errors during transferring, ....)

Question on P2P transfers

Yes. In any of 4 available interfaces there a section “Transfer from catd to card”, where one can transfer money.
USSD: item 3, Mobile application, Personal cabinet and Telegram bot: “Transfers” section.

No. Transfers are available only between Uzcard, Humo and UnionPay cards. Also it is possible to top-up a vistual Visa card from Agrobank opened via Click system, to top-up a Click-Wallet and transfer from the wallet to Uzcard cards, that are connected to Click.

You need to know a recipient’s phone number if he is registered at Click system, or you need to have a card’s number.

There are 2 ways to transfer money from one card to another:
1. By the recipient’s phone number if he is registered at Click system.
2. By the card number even if the recipient is not registered at Click.
3. The possibility of translation using our TG bot @clickuz is also available: either through the bot, or directly in the chat with your interlocutor, provided that he is registered in this bot.

If the transfer was performed by a phone number, a recipient needs to confirm a transfer by entering a 3-digit secret code to be obtained from a sender. A code is provided to sender during a transfer process.
Money can be accepted via any of 4 available system interfaces.

Yes. For each bank there is a limit on sending and receiving money. There are one-time, daily and monthly limits. More information by phone (71) 231-08-80.

No. After reaching the limit you need to wait for the next day/month to receive/send money. Limits cannot be changed or increased.

Errors on transfers

Probably you are trying to send money between your cards. Pay attention that a card, set as a main, will be the one that sends. If you are using USSD for the transfer it is better to send by a card number. And in the application there is a special section “Between my cards” where you can simply show the cards to transfer money to avoid this error.

Probably you are trying to transfer money by the recipient’s phone number. And the recipient’s main card is expired or invalid. In this case the recipient cannot receive the transfer. He needs to disconnect the old card and set a new one as a main.
Also it is possible that the recipient gave you a number of the invalid card, contact a bank to clarify such case.

Probably some technical works are in process at the bank and it is not available for transfers at this moment. Try again later or contact us by phone (71) 231-08-80.

Besides the evident reason, such error appears when the bank has blocked the recipient’s card.

Besides the evident reason, probably this is a bank’s error. If the recipient claims that the card is not corporate but, for example, a pension card, it is necessary to contact the bank for clarification.

This error may appear when maintenance works are in process either on Click system, Uzcard or bank side. If the error repeats constantly, check the expiry date of the card you have registered in Click.
(-1) error appears when the expiry date is incorrect, such as (20/20, 22/22, 19/20 and etc.
If your card is Humo, it might be blocked by your bank. Please, contact the bank.

In this case the sender needs to check the transfer status. Probably he has received one of the errors mentioned above. See questions 31-35

3. General questions about payments

(errors during payments, payment cancellation, payment status, etc.)

Questions about payments

Click has thousands of partners, whose services you can pay for. There mobile operators, internet providers, telephony and TV services, web-sites and other internet services, state and private enterprises. You can see a full list of partners in the section “Payments” and on our website

The result will be sent by SMS to the phone numner that is registered to Click.
Also you can know the result by contacting our support service by phone (71) 231-08-80. For applications that require cancellation consideration by the supplier, we will notify you by call back.

Errors during payments

The card is blocked by the bank. You need to contact your bank for clarification.

Check the card’s balance. If you were trying to make a transfer, payment for railway ticket, credit payment and etc, take a commission for such operations into consideration.

Due to some reasons, accidentally or on purpose, the SMS-notification service was disconnected. Connect it back via ATM to solve the problem. If you have given your card to someone else, he/she might have connected it to another phone number. Contact your bank or the Uzcard support service for more detailed information.

Usually happens when paid for mobile or fixed line phone. Also may happen when one tries to pay for other services where phone, account or ID number is required and entered incorrectly. If you have checked the number and the error repeats, contact the service provider to clarify the correct number..

Same as in a previous question this error happens when the user’s id or number is entered incorrectly. Check the number and try again. If the error repeats, contact the service provider.

Usually appers when the service provider runs maintenance works or faces technical disorders. Try again later.

Probably some maintenance works are in process on the provider’s side. Try again after some time.

Questions about canceling payments

If the payment was made by mistake you can:
- apply for payment cancellation via mobile application (check the payment details in Reports section and press “Cancel the payment” button)
- contact us by phone (71) 231-08-80 to request a payment cancellation.
You need to make a call from the phone number that is connected to Click and from which a payment was made..

No. Some payments cannot be cancelled via Click system and it should be solved with the supplier. These type of payments are:
Credit payments;
State payments and Traffic police fines;
Payments to enterprise bank account;
International services;
Some utility payments.

The payments that can be cancelled on apply are:
mobile operators;
fized line phones;
Internet providers;
cable and IP TV;
some utility services (gaz, electricity);

The request is processed within 48 (forty eight) hours from the moment of its reception.

The payment can be cancelled if during the request processing there is enough balance for withdrawal (the account balance is not less than the cancelled payment amount).

No. The payment can be cancelled only by the total amount. If the balance is less, the payment cancellation is impossible.

No. The requests for transfer cancellation are not accepted.

4. Click-Wallet

Questions about Click-Wallet

Click-Wallet is a virtual account in Click system where you can deposit some amount of money, make payments and transfers.

  1. Cashback: for payments and transfers through online system interfaces from a regular and branded card.
  2. BIG cashback when paying at spot with PROMOTIONAL partners.
  3. Opens even without a plastic card and regardless of age.
  4. Allows you to transfer between wallets without commission.
  5. Possibility to make payments without a plastic card

The wallet can be of 2 types:
Light (standard) does not request any document or identification process (only the real birthdate is required), but has some limits such as a maximum amount to be deposited and paid at once. The sum of total balance should not exceed 5 BCA (the amount of BCA is established by state government and can be changed).
Premium: requests the user’s passport data, but removes the limits. Currently is not available.

Click-Wallet does not have an expiry date and CVV/CVC codes.

Coming from the previous answer, the Click-Wallet can not be accepted as a virtual bank card. It cannot be connected to other payment systems and payments from it can be done only within the Click system.

A CLICK wallet can be created through all 4 interfaces of the CLICK system: USSD, CLICK-UP, Telegram bot and personal account To open a wallet in Light status, the client only needs to confirm his phone number and enter his date of birth.

The Click-Wallet can be closed via online interfaces: Click-Up, Telegram bot and personal cabinet at

It is not possible to close the wallet with a positive balance. The system will offer to donate the remaining or to pick it up from the company office. The second choice is not available currently due to quarantine measures.

5. Cashback

Questions about cashback

Cashback from Click is a refund when making payments or transfers through the Click Up application, Telegram bot @clickuz and personal account “”

Cashback is credited only if the payment was made online through the CLICK UP application or Telegram bot @clickuz and the personal account “”.

2. Cashback is credited within three days (72 hours) to the user’s CLICK-Wallet.

3. The bonus is credited to the CLICK-Wallet in compliance with the terms of the public offer:

Cashback from CLICK is credited if the CLICK wallet is open before making a payment

Cashback from CLICK is provided for making payments and transfers other than those specified in the accrual rules on our website at


When transferring from card to card, Cashback is calculated according to the following rules:

* When transferring from HUMO card to HUMO card, from HUMO to UZCARD; from UZCARD to HUMO; from UZCARD to UZCARD - CashBack is credited in the amount of 0.25% of the transfer amount

The rules are valid from 00:01 02/01/2023


You can see all the information on our main page of the site by clicking on the CASHBACK module

From 12/09/2021, when paying via CLICK for services from the “Payment on spot” section, including “Invoicing” and the “Payments” - “Entertainment” section:


* CashBack up to 2% is credited only when paying using branded CLICK cards.

* CashBack up to 0.3% for payments from regular cards and from CLICK Wallet.


*Exceptions: CashBack is not given for payments to UzAvtoSanoat, ROODELL, Fortuna Biznes, payment of taxes and fines, loan repayments, auto payments, as well as for payments using bank details. Also, CashBack is not credited for paying for train tickets.

* * When paying for services where a commission is charged to Users and is less than 1%, CashBack is paid in the amount of the commission.

* * CashBack is credited only for the first 100 payments for each service during a calendar month. If during a calendar month the number of payments made exceeds 100 payments for the same service, then cashback will not be credited for subsequent payments for this service until the end of the month.


* Important changes! From 04/12/2021, 11:00 CashBack for utility bills and government payments is given in the amount of 0.3% when paying via CLICK using a CLICK wallet or standard bank cards, and in the amount of 1% when paying via CLICK using a branded card CLICK.

* From 04/14/2021 CashBack for Oriflame and Faberlic payments will be accrued in the amount of 0.1%

* From 09.28.2021, 18:00 CashBack will not be credited for payments for the HYUNDAI service

* From 02/10/2022 CashBack will not be awarded for Fargo service payments.

* For money transfers to charity organizations, CashBack is not credited to the user

* Purchase of Air tickets - from 02/03/2023 to all users receiving Cashbacks from regular cards, Click-wallet, co-branded cards, as well as through a Premium subscription, Cashbacks are provided only for 5 payments for air ticket purchases per month; Cashbacks are not provided for further purchases

6. Premium account

Questions about the PREMIUM subscription

Premium subscription will allow you to receive up to 5% Cashback for payments to mobile operators, double Cashback for various payments and 100% refund of commission for transfers up to 10 million soums per month

Premium subscription users will have access to a new, most convenient way to transfer - Click boom.
You no longer need to enter either a card number or a phone number - just find the recipient on the radar and send money in a couple of clicks .

And also:
🔹 Gold theme;
🔹 Free monitoring of payments;
🔹 Free identification;
🔹 Premium support.

To activate a Premium subscription and get all the additional benefits, all you need to do is:

1️. Login to the Click App Up and go to the "More" section
2️. Select the service «Click Premium»
3️. Click "Activate for 50.000 soums per month" and "Pay"
4️. Ready!

Funds are debited automatically in the following order:
a) payment for the first connection of the Service is made at the User's choice in the click ™ Service interfaces;;
b) the subsequent withdrawal of funds is made from the User's E-Wallet, or in accordance with section 5 of the Offer.

The subscription can still be connected via our Telegram bot @ clickuz in the following order:

1. Select the item "Click Premium" in the main menu.
2. Click "Activate for 50.000 sum per month" and "Confirm"
3. Done!

Funds are debited automatically in the following order:
a) payment for the first connection of the Service is made at the User's choice in the click ™ Service interfaces;
b) the subsequent withdrawal of funds is made from the User's E-Wallet, or in accordance with section 5 of the Offer.

“Click Premium” service is provided for 30 days and at the end of the subscription period, the system automatically renews the subscription for the next 30 days.

In order to enable/disable the auto-renewal feature of a Click Premium subscription, you need the following:
1. Go to the application and click on the "More" section
2. Choose "Click Premium"
3. Click on the "Manage subscription" button, and then "Disable Subscription"

For all services where cashback is given, you can get the double cashbacks.

EXCEPTION: Double cashback within the framework of the  «Click premium» does not sum up with big cashback promotions and co-branded click cards.

As part of the cashback service for money transfers (p2p transfers), there is a limit on receiving cashback for transfers in the amount of 10,000,000 (ten million) soums, for 30 (thirty) calendar days, within the framework of the «Click premium».

In cases where your amount of transfers within the limit is 9,900,000 (nine million nine hundred thousand) soums, with subsequent transfers over 100,000 (one hundred thousand) soums, cashback for transfers within the framework of the  «click premium» will be inactive.

Transfer funds via Click boom is quite simple, for this:
1. Go to the Click app Up and click on Click boom
2. Select the recipient on the radar and enter the desired amount
3. Done!

To receive funds click on the Click boom and wait for the sender on the radar.

Вопросы по разделу "Моё авто"

To access the "My car" section, select the "More" item in the navigation menu and then select "My car".

In order for your car to be automatically displayed in the "My car" section, you must go through the identification process. You can also add a vehicle manually.

To add a new car to the "My car" section, click the "Add car" button and fill in the required information, such as the car number and vehicle ID data.

Yes, you can remove a car from the "My car" section. Just find the car you want and click on the delete icon next to the car number.Yes, you can remove a car from the "My car" section. Just find the car you want and click on the delete icon next to the car number.

The expiration date and details of your current insurance are displayed in the "Insurance" section for each car. Just search for your vehicle and check the relevant information. Also, the expiration date of the insurance is displayed on the main page "My car".

To apply for insurance, you need to go to the "Registration of CTP insurance" page. You can do this in several ways:

1. By clicking on the "Insurance" button below the car on the main page.

2. By going to the "Insurance" page through the bottom navigation menu and clicking on the "Get the insurance" button.

3. By clicking on the notification about the end of insurance (appears if the insurance ends soon).

When applying for new insurance, you will need to specify the type of policy and the start date of the insurance period. If necessary, you can also add information about additional drivers.

In our application, you can choose two types of CPT insurance: unlimited (VIP) and limited (up to 5).

The difference is that a limited policy allows only a certain number of drivers listed in the document to drive a car. Unlimited insurance allows you to get permission to drive a vehicle for any number of persons who have a power of attorney to drive this vehicle, or drivers who are in the presence of the owner of the car.

When adding a driver when applying for insurance, you will need to provide his personal data, such as the degree of relationship, passport details and date of birth.

In the "Price Catalog" section you will find the collected information about prices for cars from official dealers in Uzbekistan. Just select the car model you are interested in and view the current prices.

Information about fines and violations of traffic rules is contained in the "Traffic fines" section. There you will find detailed information about the various violations and the corresponding fine amounts.

You can receive information about your fines if you activate the service "Traffic fines" in the Subscriptions section in the main body of the CLICK UP application. The cost of the service is indicated upon connection and is charged monthly in accordance with the terms of the offer.

Yes, you can choose the period of validity of the insurance during registration and specify the desired number of months in advance. Please note that the availability of a certain period may depend on the rules and policies of the insurance company.

If you have already added a car, go to a new page by clicking on the "Add car" button.

After registration of insurance in the "Insurance" section, your issued insurance will be displayed. At the moment, when registering, you receive an SMS with a link to the insurance and by clicking on it you can download the document.

In the near future, it will be possible that by clicking on the "Details" button, you will be able to view insurance details and download insurance.

Yes, of course. To do this, you need to add their car by entering the car number and data sheet data. After adding the car, you will be able to take out insurance on it.

Your car may not be in your name. Try adding a machine manually. We receive all data about your cars from a single portal of public services. If the car is registered there for you, then it should also appear in the application, if this did not happen, we will open an application for verification.

Usually, insurance should appear within 5 minutes. If several hours have passed and the insurance is still not displayed, then we will issue a claim for your case to check this situation. To do this, tell the operator the state number of your car.

Perhaps you are entering an old data of the vehicle ID. Check if there have been any changes to your vehicle ID passport.

There are two ways to get a policy:

1. After successful registration of the policy, you will receive an SMS from the e-policy with a link. Follow the link, enter the captcha and the policy will open and you can download it in PDF format.

2. Also, after successful registration, if you did not receive an SMS, check the number 880 in the black list and contact us at +998712310880 and the company's operator will send an SMS with the link again

In case of an insured case event, contact INSON at +998 (78) 113-00-07 to receive the necessary assistance and instructions on how to proceed. Also, all INSON numbers are indicated in your insurance contract.