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Turkmenistan

TM · TKM · 795Asia-PacificTMT m12 methods

5 sources

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
MixMethodsBehaviourSourcesFacts

Payment mix

share of e-commerce spend
  • Cash75%
  • Card20%
  • Mobile / Digital5%

Methods in use

top 8 of 12
All 12 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
12
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Sources
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