Modern life is inseparable from money transfers. Whether you are sending tuition to your child, providing financial support to loved ones, or simply moving funds between cards—the Baraka app makes it happen in seconds.

But did you know you can save significant money by choosing the right transfer tariffs? Let’s explore the most cost-effective options available in the Baraka app.

0% Commission Between Baraka Cards

The Baraka social card is designed not just for receiving benefits, but also for making the most affordable—and even free—money transfers. Check out our commission rates below:

• 0% — Absolutely Free If you transfer money between two Baraka cards within the same bank, there is no service fee:
  • Aloqabank Baraka → Aloqabank Baraka = 0%
  • Xalq Banki Baraka → Xalq Banki Baraka = 0%
• 0.5% — Preferential Tariff When you send money from your Baraka card to any other bank card, the commission is nearly twice as low as the market average:
  • Baraka Card → Humo or Uzcard = 0.5%
  • Baraka (Aloqabank) → Baraka (Xalq Banki) = 0.5%

The Baraka Advantage

Typically, card-to-card transfer fees in other apps reach up to 1%. With the Baraka card:

1. You eliminate fees entirely by transferring within the same bank.
2. You save at least 0.5% on every transfer to other cards.

For example: If you transfer 1,000,000 UZS, a standard card might charge you 10,000 UZS in fees. With Baraka, that cost drops to just 5,000 UZS or is completely free.

Withdrawing Cash from ATMs

Please keep in mind that cash withdrawal commissions are set independently by the bank that owns the ATM, not by Baraka.

To save on fees, try to use ATMs belonging to the same bank that issued your Baraka card (e.g., Aloqabank, Xalqbanki). ATMs always display the commission amount on the screen before dispensing cash—be sure to check the screen before confirming your transaction.

Announcement

Dear users, the temporary technical issue affecting the balance display in the Baraka mobile app has been fully resolved.

The app is now functioning normally, and your balances are displayed correctly. If your balance has not yet updated, we recommend reopening or refreshing the app.

All your funds remain completely safe at all times

Dear users, we would like to inform you that at the moment, some users of the Baraka mobile app may notice an incorrect balance or a zero balance displayed in their account. Please do not worry—this does not mean that your card has no funds. All funds in your account remain safe, and your card is fully functional. You can continue to use it at ATMs and retail outlets without any issues.

 The issue is caused by a temporary technical malfunction within the system. Our technical team is actively working to resolve it as quickly as possible. All your funds are securely protected during this process.

We expect the problem to be fully resolved within 1–2 days. Once the process is complete, your correct balance will automatically appear in the app.

The Social ID is your unique digital identifier within the social services system.

Through it, your identity is verified in government information systems, and the social services, payments, and benefits assigned to you are managed.

Simply put, the Social ID is a personal digital profile created specifically for accessing and managing social services.

What is the function of the Social ID in the Baraka app?

All your social information in the app is managed through this ID.
It identifies the user precisely in the system.

The system automatically recognizes you through the Social ID.
No additional documents or information are required during this process.

Displays existing social benefits and allowances.
The Social ID shows which pensions, services, or other social assistance you are entitled to. This information is linked to a single profile.

Allows fast and convenient access to social services.
The Social ID connects all services into a single system. As a result, you can access services without unnecessary paperwork, waiting in lines, or repeatedly providing your information.

Simplifies monitoring and managing payments.
Through the app, you can view the social payments assigned to you, track their receipt dates, and monitor their status.

Where is the Social ID used?

The Social ID is used in various government and financial systems to identify citizens and manage the social services assigned to them.

In social protection agencies
The types of social assistance, benefits, and registration processes for a citizen are determined through the Social ID. This allows for quick access and verification of information.

For processing pensions and subsidies
When granting pensions, child benefits, financial aid, or subsidies, a citizen’s rights and status are checked based on the Social ID. This simplifies the process and reduces the likelihood of errors.

In banking processes (related to social cards)
For matters connected to cards receiving social payments, a person can be quickly identified using the Social ID. This enables faster banking services.

In digital government service systems
When submitting applications online, verifying information, or accessing social services through platforms, the Social ID serves as a single identifier.

What benefits does the Social ID provide to citizens?

The Social ID significantly simplifies and speeds up the process of accessing social services. The system automatically identifies the individual through the Social ID. In many cases, no additional documents or repeated information entry is required, saving time.

Since the data is stored in a single system, there is less need to submit the same documents multiple times to different organizations.

Citizens gain clear information about their assigned benefits, subsidies, or other social payments. It is easy to see which payments were made, when, and in what amount.

The Social ID links all social services to a single profile. As a result, service delivery is faster and queues are reduced.

Citizens’ social information is consolidated in a single system rather than scattered across multiple databases. This ensures accuracy and up-to-date information.

What is the QR code on the back of the Baraka card?

The QR code on the back of the Baraka social card is an identification code linked to the Social ID.

When the QR code is scanned:

• The user’s unique social profile is automatically identified in the system.
• Relevant service or payment information is quickly displayed.

Important: This QR code is not intended for payments. It is used for identification purposes only.

Where can the social QR code be used?

The social QR code on the Baraka card is used in the following places and situations:

At social service centers
The QR code is scanned, and the system identifies your profile, allowing staff to provide the services you are entitled to more quickly.

By authorized government officials
Only authorized personnel can use the QR code. Ordinary users cannot use this code for payments or other personal purposes.

In banking processes (related to the card)
For services connected to the social card, such as receiving benefits or subsidies, the QR code enables quick identification.

For checking social services
The QR code is used to monitor service quality or verify user information.

Important: The QR code is not an open payment QR. It is used only by authorized personnel for identification through a special system.

Endi Baraka ilovangiz orqali 70 dan ortiq ijtimoiy xizmat va yordamga ariza jo’nata olasiz. Eng muhimi, arizangiz holati va natijasini to‘g‘ridan-to‘g‘ri ilova ichida kuzatasiz. Buning uchun ilovaga “Mening arizalarim” bo‘limini qo’shdik.

Raqamli xizmatlar ko‘lamini kengaytirish maqsadida, Baraka ilovasiga yana bir qulaylik qo’shdik. Bu bilan nafaqat ariza topshirish jarayonini soddalashtirdik, balki foydalanuvchilarga o‘z murojaatlari ustidan to‘liq nazorat o‘rnatish imkonini beruvchi “Mening arizalarim” bo‘limini ham qo’shdik.

Arizani qanday topshirasiz?

• Ijtimoiy yordam yoki xizmatga murojaat qilish jarayoni maksimal darajada qulaylashtirilgan:
• Imtiyozlarni tanlash: Ilovaning asosiy menyusidagi “Imtiyozlarim” bo‘limiga o‘ting.
• Xizmatni topish: “Ariza topshirish” tugmasini bosing va ro‘yxatdan o‘zingizga kerakli ijtimoiy xizmatni tanlang.
• Ma’lumotlarni kiritish: So‘ralgan zarur ma’lumotlarni to‘ldiring va “Davom etish” tugmasini bosing.
• Tasdiqlash: Ekranda “Arizangiz qabul qilindi” yozuvi paydo bo‘ladi – bu sizning murojaatingiz tizimga muvaffaqiyatli kiritilganini bildiradi.

 “Mening arizalarim” bo‘limi

Ilovaga qo‘shilgan yangi bo‘lim orqali foydalanuvchilarimiz har bir topshirilgan arizaning holatini (ko‘rib chiqilmoqda, tasdiqlandi yoki rad etildi) va yakuniy natijasini masofadan turib kuzatib borishlari mumkin. Bu turli idoralarga borish va ortiqcha vaqt sarflash zaruriyatini yo‘qotadi.

Bizga 6 000 dan ortiq mijoz ishonch bildirdi

Bugungi kunga kelib, 6 mingdan ortiq faol foydalanuvchi o‘z ijtimoiy xizmat va yoprdamlarga arizasini Baraka ilovasiga ishonib topshirmoqda. 70 dan ortiq xizmat turlarining mavjudligi esa jamiyatning barcha qatlamlari uchun zarur yordamni qamrab olish imkonini beradi.

Bizning maqsadimiz — ijtimoiy himoyani har bir fuqaro uchun ochiq, shaffof va eng asosiysi, bir necha soniyada erishish mumkin bo’lgan xizmatga aylantirishdir.

Baraka jamoasi ilovani yanada takomillashtirish va xizmatlar sonini oshirishda davom etadi. Ijtimoiy imtiyozlardan foydalanishni hoziroq boshlash uchun Baraka ilovasini yuklab oling!

Baraka — ijtimoiy xizmatlar endi yanada yaqin!

Hurmatli foydalanuvchilar! Ayni kunlarda telefon yoki ilovangizga turli ijtimoiy xizmatlar, banklar yoki qo‘llab-quvvatlash xizmatlari nomidan qo’ng’iroqlar bo’lishi, linklar jo’natilishi mumkin. Ular fiirbgarlar bo’ladi. Firibgarlarning maqsadi sizni turli yo’llar bilan ishontirib, shaxsiy ma’lumotlaringizni, SMS kodlaringizni yoki pulingizni qo‘lga kiritish. Xo’sh, bunday jinoyatchilarni qanday payqashingiz mumkin, ulardan qanday himoyalanishingiz mumkin?

Biz firibgarlik usullarini tanib olishingiz va ulardan himoyalanishingiz bo‘yicha amaliy tavsiyalar tayyorladik. 

“Fishing” (soxta saytlar va havolalar) orqali qanday aldashadi?

Firibgarlar sizga haqiqiy saytlarga juda o‘xshash bo‘lgan soxta havolalar yuborishadi. Ularning maqsadi — sizni o‘sha sahifaga kiritib, parollaringiz va karta ma’lumotlaringizni o‘g‘irlash.

Ular bank yoki servis nomidan SMS yuborib, “Akkuntingiz bloklandi” yoki “Yutuqni olish uchun bu yerga bosing” deb yozishadi.

Havola (link) manzilida bir-ikkita harf xato yozilgan bo‘ladi (masalan, baraka.gov.uz o‘rniga baraka-uz.net).

Hech qachon shubhali havolalarga kirmang. Sayt manzilini brauzerda o‘zingiz yozib kiring.

“Xavfsizlik xizmati” qo‘ng‘iroqlari usulidagi tuzoq 

Sizga o‘zini bank yoki “Baraka” qo‘llab-quvvatlash xizmati xodimi deb tanishtirib qo‘ng‘iroq qilishadi. “Kartangizdan pul yechilmoqda, uni to‘xtatish uchun SMS kodni ayting” deb sizni qo‘rqitishadi.

Ular sizni shoshiltiradi, stress holatiga tushiradi va maxfiy kodni so‘raydi. Bunday paytda suhbatni darhol to‘xtating! Unutmang: Haqiqiy xodimlar hech qachon telefon orqali SMS kodni so‘ramaydi.

Messenjerlardagi soxta yordamchilar

Telegram yoki boshqa messenjerlarda firibgarlar o‘zini “Operator” deb tanishtirib, sizga birinchi bo‘lib yozishadi.

“Muammoingizni hal qilamiz” yoki “Keshbekni faollashtirib beramiz” deb va’da berishadi. Ular sizdan karta raqami yoki ilovaga kirish parolini so‘rashadi. Faqat rasmiy ilova ichidagi chatdan yoki rasmiy botlardan foydalaning. Sizga birinchi bo‘lib yozgan “yordamchi”larga ishonmang.

“Nafaqangiz tayyor”, “Sizga pul jo’natildi” kabi aldovchi linklar 

Haddan tashqari foydali ko‘ringan takliflar 99% holatda firibgarlik bo‘ladi. “Nafaqangiz tayyor”, “Sizga pul jo’natildi”, “Siz yutuq yutdingiz, uni olish uchun 50 ming so‘m komissiya to‘lang” kabi linklarni jo’natishadi. Pulni o‘tkazishingiz bilan ular g‘oyib bo‘ladi.Oldindan to‘lov talab qilinishi va “faqat bugun ulgurib qoling” deb shoshiltirish. Tekin pishloq faqat qopqonda bo‘ladi. Hech qachon “yutuq” uchun oldindan pul to‘lamang.

Xavfsizligingiz uchun 3ta oltin qoidani eslab qoling!

1. SMS kodni hech kimga bermang! Bu sizning uyingiz kaliti kabi sir saqlanishi kerak.
2. Parollaringizni murakkab yarating. Tug‘ilgan yilingiz yoki ismingizni parol sifatida tanlamang.
3. Hushyor bo‘ling. Agar kimdir sizni shoshiltirayotgan bo‘lsa, demak bu — firibgar.

Agar ma’lumotlaringizni firibgarlarga berib qo‘ygan bo’lsangiz, darhol kartangizni bloklang va bizning rasmiy yagona aloqa markazimizga murojaat qiling: 1070