Lower Your Transfer Fees to 0% with Baraka!

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.