{"id":38141,"date":"2026-06-05T10:17:11","date_gmt":"2026-06-05T05:17:11","guid":{"rendered":"https:\/\/kommers.uz\/?p=38141"},"modified":"2026-06-05T10:17:11","modified_gmt":"2026-06-05T05:17:11","slug":"telefon-ra%d2%9bami-or%d2%9bali-bank-%d2%b3isobvara%d2%9blari-%d1%9ertasidagi-%d1%9etkazmalar-%d2%9bandaj-ishlajdi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=38141","title":{"rendered":"Telefon raqami orqali bank hisobvaraqlari o\u02bbrtasidagi o\u02bbtkazmalar qanday ishlaydi?"},"content":{"rendered":"<p>Markaziy bank Tezkor to\u02bblovlar tizimi (TTT) orqali telefon raqami bo\u02bbyicha pul o\u02bbtkazmalari to\u02bbg\u02bbrisidagi qaror loyihasini ishlab chiqdi. Hujjat normativ-huquqiy hujjatlar muhokamasi portalida <a href=\"https:\/\/regulation.adliya.uz\/project\/10359\/30532?contentLang=uz\" target=\"_blank\" rel=\"noopener\">e\u02bclon qilindi<\/a>.<\/p>\n<p>Qarorda jismoniy shaxslarning bank hisobvaraqlari o\u02bbrtasida TTTda tranzaksiyalarni amalga oshirish qoidalari belgilanmoqda. Tizim orqali to\u02bblovlarni amalga oshirish uchun foydalanuvchi o\u02bbzining bank hisobvarag\u02bbini (22616) <strong>O\u02bbzbekiston mobil operatorlaridan birining telefon raqamiga<\/strong> bog\u02bblashi lozim bo\u02bbladi.<\/p>\n<blockquote><p>Bitta telefon raqamiga faqat bitta hisobvaraq biriktirilishi mumkin. Bog\u02bblangan hisobvaraqlarning hisobi Bank depozitorlarining milliy ma\u02bclumotlar bazasida yuritiladi.<\/p><\/blockquote>\n<p>Hisobvaraqni telefon raqamiga bog\u02bblash bo\u02bbyicha arizalar banklarning mobil ilovalari orqali qabul qilinadi. Xizmatdan faqat terrorizmni moliyalashtirish yoki ommaviy qirg\u02bbin qurolini yaratishda ayblanayotgan shaxslar ro\u02bbyxatiga kiritilmagan fuqarolar foydalana oladi.<\/p>\n<p>Milliy ma\u02bclumotlar bazasi hisobvaraq muvaffaqiyatli bog\u02bblangan taqdirda, <strong>so\u02bbrov yuborilgan bankka maxsus kod taqdim etadi<\/strong>. Bu kod bank ilovasidagi mijozning hisob qaydnomasida majburiy tartibda aks ettiriladi.<\/p>\n<blockquote><p>TTT orqali pul o\u02bbtkazmalari ham mobil ilova orqali, ham bank ofisida jo\u02bbnatuvchining to\u02bblov topshiriqnomasi asosida amalga oshirilishi mumkin.<\/p><\/blockquote>\n<p>Jo\u02bbnatuvchining banki TTTga jo\u02bbnatuvchi tomonidan taqdim etilgan telefon raqami yoki bog\u02bblov kodi ko\u02bbrsatilgan identifikatsiya so\u02bbrovini yuboradi. Bunga javoban TTT pul o\u02bbtkazilishi rejalashtirilayotgan hisobvaraq egasi va unga xizmat ko\u02bbrsatuvchi bank haqidagi ma\u02bclumotlarni qaytaradi.<\/p>\n<p>Agar o\u02bbtkazma turli banklardagi hisobvaraqlar o\u02bbrtasida amalga oshirilsa, <strong>jo\u02bbnatuvchi benefitsiar-bankni tanlashi va pul oluvchining bank rekvizitlarini<\/strong> olishi mumkin bo\u02bbladi. Jo\u02bbnatuvchining banki o\u02bbz tomonidan talab qilinadigan rekvizitlarni texnik hujjatga kiritadi va uni TTTga jo\u02bbnatadi.<\/p>\n<blockquote><p>Agar o\u02bbtkazma bitta bank ichidagi hisobvaraqlar o\u02bbrtasida amalga oshirilsa, u bank ichidagi to\u02bblov sifatida o\u02bbtkaziladi.<\/p><\/blockquote>\n<p>Tranzaksiyani bajarish uchun jo\u02bbnatuvchiga pul oluvchining ismi hamda xizmat uchun komissiya miqdori haqidagi ma\u02bclumotlarni taqdim etish talab qilinadi. O\u02bbtkazma jo\u02bbnatuvchi va oluvchining banki tomonidan yakuniy tasdiqlangandan so\u02bbng amalga oshiriladi.<\/p>\n<p>Jo\u02bbnatuvchi o\u02bbtkazma tasdiqlangani haqida hujjat oladi. Unda xizmatga oid ma\u02bclumotlar, jumladan, quyidagilar ko\u02bbrsatiladi:<\/p>\n<ul>\n<li>sana va vaqt;<\/li>\n<li>tranzaksiyaning noyob raqami (BID);<\/li>\n<li>jo\u02bbnatuvchi va oluvchining ismlari, shuningdek, ularning hisobvaraq raqamlari;<\/li>\n<li>oluvchining telefon raqami yoki kodi;<\/li>\n<li>o\u02bbtkazma summasi va komissiya miqdori;<\/li>\n<li>qonunchilikda talab etiladigan boshqa ma\u02bclumotlar.<\/li>\n<\/ul>\n<p>Hujjat loyihasining muhokamasi 13 iyungacha davom etadi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Foydalanuvchi bank ilovasida bitta telefon raqamiga faqat bitta hisobvaraqni bog\u02bblashi mumkin bo\u02bbladi.<\/p>\n","protected":false},"author":23,"featured_media":38142,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2026\/06\/6a225bd905c5d.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":38142,"7B0ecgVieEAP":"\u0422\u0435\u043b\u0435\u0444\u043e\u043d \u0440\u0430\u049b\u0430\u043c\u0438 \u043e\u0440\u049b\u0430\u043b\u0438 \u0431\u0430\u043d\u043a \u04b3\u0438\u0441\u043e\u0431\u0432\u0430\u0440\u0430\u049b\u043b\u0430\u0440\u0438 \u045e\u0440\u0442\u0430\u0441\u0438\u0434\u0430\u0433\u0438 \u045e\u0442\u043a\u0430\u0437\u043c\u0430\u043b\u0430\u0440 \u049b\u0430\u043d\u0434\u0430\u0439 \u0438\u0448\u043b\u0430\u0439\u0434\u0438?"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/38141"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38141"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/38141\/revisions"}],"predecessor-version":[{"id":38143,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/38141\/revisions\/38143"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/38142"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38141"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=38141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}