Financial literacy2 min read

How to protect yourself in advance from fraud and from a loan taken out in your name

Asking for SMS codes or an upfront payment are the most common fraud schemes. Plus how to block loans in your name for free on my.gov.uz.

Fraudsters often pose as staff of a bank or lender and rush you. The rule is simple: take your time and never share secret details.

We never ask for SMS codes, card PINs, CVV codes or passwords. Whoever asks for them, however they introduce themselves, is a fraudster.

There is no upfront payment, "insurance" or "review fee" for a loan: reviewing an application is free. An offer like "send money first, then we will give you the loan" is a sign of fraud.

If someone asks you to take out a loan in your name for them, or to lend them your passport, refuse. The person the loan is in the name of is the one who pays.

If in doubt, call the official number on our site yourself and check. Do not trust links and numbers sent by SMS or messengers.

To protect yourself in advance against loans in your name, you can ban loans to yourself. While the ban is active, fraudsters cannot take out a loan in your name even if they learn your personal details: no bank or lender can give you a loan. The service is free.

How to do it:

1. Sign in to the my.gov.uz portal with OneID.

2. Find and open the service for setting or removing a ban on concluding loan agreements.

3. The page shows the current status: turn the ban on.

The ban can also be set on the credit bureau (KATM) portal or at a public services centre.

Remove the ban only when you plan to take a loan yourself, through the same service. Once the loan is signed, you can turn the ban on again.

Never share your OneID login and password, and never pass identity verification at someone else's request: otherwise a fraudster could remove the ban and take a loan in your name.

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Financial literacy2 min read

How to protect yourself in advance from fraud and from a loan taken out in your name

Asking for SMS codes or an upfront payment are the most common fraud schemes. Plus how to block loans in your name for free on my.gov.uz.

Fraudsters often pose as staff of a bank or lender and rush you. The rule is simple: take your time and never share secret details.

We never ask for SMS codes, card PINs, CVV codes or passwords. Whoever asks for them, however they introduce themselves, is a fraudster.

There is no upfront payment, "insurance" or "review fee" for a loan: reviewing an application is free. An offer like "send money first, then we will give you the loan" is a sign of fraud.

If someone asks you to take out a loan in your name for them, or to lend them your passport, refuse. The person the loan is in the name of is the one who pays.

If in doubt, call the official number on our site yourself and check. Do not trust links and numbers sent by SMS or messengers.

How to do it:

1. Sign in to the my.gov.uz portal with OneID.

2. Find and open the service for setting or removing a ban on concluding loan agreements.

3. The page shows the current status: turn the ban on.

The ban can also be set on the credit bureau (KATM) portal or at a public services centre.

Remove the ban only when you plan to take a loan yourself, through the same service. Once the loan is signed, you can turn the ban on again.

Never share your OneID login and password, and never pass identity verification at someone else's request: otherwise a fraudster could remove the ban and take a loan in your name.