New fraud methods: how to protect your money?

Fake payment receipts, false government payments, malicious apps, and fake fine notifications — fraudsters are using various schemes to gain access to your money and personal data.

AloqaBank’s cybersecurity service has compiled the fraud schemes observed in Uzbekistan in the autumn of 2026.

The 5 most common fraud schemes:

  1. Fake payment receipts
    Fraudsters send a fake receipt or screenshot confirming a money transfer. Do not hand over goods until you have verified that the funds have actually arrived.
  2. Fake government payments
    Websites promising “assistance of up to 15 million soums” or “social payments” may demand personal data, a passport copy, or an advance payment.
  3. Malicious APK files
    Files with names such as “New Uzbek keyboard” may be malware that grants access to SMS messages and personal data on your phone.
  4. Fake fine notifications
    Through SMS messages about debt sent in the name of Poytaxt Parking and fake links, fraudsters try to obtain bank card details.
  5. Fake winnings
    Calls claiming “You have won a prize” may push you to take out a loan or instalment plan. As a result, instead of a prize you end up with debt.

7 rules to protect yourself:

  • Never share SMS or Telegram confirmation codes with anyone.
  • Do not install unknown APK files.
  • Check incoming payments only in your own bank’s app.
  • Do not pay in advance to receive a government payment or prize.
  • Do not take out a loan in your name for someone else.
  • Do not open suspicious links; verify fines and debts only through official sources.
  • If acquaintances ask for money via messenger, first call them to confirm.

If you have entered your card details or noticed a suspicious transaction, block your card immediately and contact the bank.

In a suspicious situation, do not rush — check first. Financial security begins with vigilance.