A valid passport of the Republic of Tajikistan and a Tax Identification Number (TIN)

Through the cash desk at service offices, payment terminals, and the Humo Online app

Through the cash desk at service offices, the Humo Online app, and on the Korti Milli card

Yes, at a rate of 12%

Since 2013, Humo has been a member of the Deposit Insurance Fund of Individuals. Your deposits are insured in accordance with the Law of the Republic of Tajikistan “On Insurance of Deposits of Individuals.” More details at www.idif.tj

The deposit insurance system is a set of measures aimed at protecting the rights and legitimate interests of depositors by providing insurance compensation to them in the event of an insured event occurring at credit institutions that are participants of the Deposit Insurance Fund.

The principles of the functioning of the deposit insurance system are regulated by the Law of the Republic of Tajikistan “On Deposit and Savings Insurance.” The Fund provides insurance compensation to depositors when an insured event occurs, maintains the registry of credit institutions participating in the deposit insurance system, and records and collects contributions from these credit institutions.

In the event of an insured case, compensation is not paid for the following deposits and savings:

• deposits for which the credit institution is entitled to settle with the depositor within the amount of the depositor’s outstanding loan;

• savings that are pledged as collateral;

• deposits obtained through criminal means or deposits seized by a court decision;

• deposits that, in the opinion of the National Bank of Tajikistan, have worsened the financial condition of the credit institution;

• deposits of related parties of the credit institution, as defined by law, as well as individuals considered related within one year prior to the liquidation of the credit institution;

• deposits of partners of an auditing company engaged as auditors of the credit institution during the calendar year prior to the insured event;

• savings of individuals who own more than five percent of the credit institution’s shares with beneficial interest;

• deposits placed in foreign branches of the credit institution;

• deposits equal to any outstanding debt of the depositor to the credit institution;

• deposits of less than 10 somoni.

In the event of an insured case, the amount of compensation for insured deposits per depositor in a single credit institution is set by law no more than 35,000 (thirty-five thousand) somoni.

The Fund does not reimburse interest on savings. If the deposit agreement stipulates that interest is added to the deposit balance, compensation is paid only on the remaining principal balance of the deposit.