Tajikistan’s banking system has experienced substantial growth in digital payments in 2025, according to the National Bank of Tajikistan.
The total number of banking payment cards in the country reached 10.4 million, a 23.7% increase compared to the end of 2024. The number of electronic wallets grew to 17.7 million, marking a 46.4% rise.
Additionally, to enhance customer convenience, the number of ATMs and terminals saw significant growth in 2025. There are now 3,453 ATMs in banks, a 14.9% increase from 2024, and 4,991 electronic terminals, which represents a 30.8% rise.
The number of POS terminals in retail and service outlets increased to 9,017, reflecting a 10.8% growth compared to the previous year. The installation of QR codes in commercial points also saw a 44.4% increase, reaching 28,762.
Operations involving bank cards and electronic wallets also surged. In 2025, there were 136 million cashless transactions, totaling 42.4 billion somoni. This represents a 47.1% increase in the number of transactions and a 39.8% growth in volume compared to 2024.
The ratio of cash withdrawal transactions to cashless payments last year was 70.6% to 29.4%. The share of cashless transactions increased by 3.2 percentage points compared to 2024.
Growth of Digital Payments in Tajikistan in 2025
· 10.4 million Bank cards (+23.7%)
· 17.7 million E-wallets (+46.4%)
· 3,453 ATMs (+14.9%)
· 9,017 POS-terminals (+10.8%)
· 28,762 QR codes (+44.4%)
· 7,330 Self-service terminals
Cashless Transactions in 2025
· 136 million transactions (+47.1%)
· 42.4 billion somoni (+39.8%)
Breakdown of Transactions:
· Cash withdrawals: 70.6%
· Cashless payments: 29.4%
Share of cashless transactions in December: 38.9%
