Turkmenistan

TM · TKM · 795Asia-PacificTMT m13 methods

Revised · 5 sources

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Cash is the dominant payment method, especially outside Ashgabat; the PSP landscape is dominated by state-owned banks.

~2.0M

online population

~45%

banked adults

<10%

credit card population

Mix Methods Behaviour Sources Facts

Payment mix

share of e-commerce spend

CategoryLeading methodShare

Cash—75%
CardVisa20%
Mobile / Digital—5%

Methods in use

top 8 of 13 · by spend

MethodTypeShare

All 13 methods in Turkmenistan →

Checkout behaviour

As of January 2026, 1,043 trading points are connected to the national e-commerce system, with Halkbank leading at 571 points.

Visa and Mastercard have limited acceptance, mostly at larger retailers and hotels in Ashgabat.

Facts

ISO 3166: TM · TKM · 795
Region: Asia-Pacific
Population: 6.1M
Currency: TMT m
Banked adults: ~45%
Methods live: 13

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Sources

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