Amonatbonk review

The fixed deposit pays 13% and the rate type is fixed, so the return is locked in for the whole term. That sits far above the 3% median across the site. Deposits are accepted in cash and by non-cash transfer.

The minimum deposit is TJS 500 and the term runs 36, among the longer terms in the comparison. That suits people with a lump sum to place, since the money stays put until the deposit matures. Smaller savers would need to build up to the minimum first.

Fees show up mostly on transfers: payments to individuals are free, while inter-regional individual transfers add a percentage fee. Delivery takes 5 minutes. The deposit itself asks for a minimum of TJS 500 to open.

Payouts run through bank, card and cash pickup, so a balance can go to a bank account, a card or be collected in cash. Support is on phone, email and help centre if a payout needs checking, and the transfer speed is 5 minutes.

Amonatbonk holds 4 currencies, a narrower set than the 5 seen across the site. Anyone keeping money in more than a single currency will find the choice limited, and the fixed deposit runs in a single market.

It suits savers in Tajikistan who can leave their cash untouched for the full 36 term and want a 13% fixed return. It does not suit anyone who needs access to the money during that period, or who prefers a variable rate that moves with the market.

Opening the deposit needs a passport copy plus a written account application, and deposits can be paid in cash or by non-cash transfer. The first step is a call or email on phone, email and help centre rather than a quick online form.

Amonatbonk traces its history to 1885 and operates as a closed joint stock company with its head office in Tajikistan. The legal entity behind the deposit is the bank itself, not a separate savings institution.