Updated September 28, 2026 · VaultCue Editorial Team
Amonatbonk vs Berliner Volksbank
Amonatbonk
Higher score in this comparison
Berliner Volksbank
Amonatbonk vs Berliner Volksbank: the differences
| Compare | AmonatbonkReviewSee alternativesSee alternatives | Berliner VolksbankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 13%Higher | 3.25% |
| Minimum deposit | TJS 500 | €0 |
| Access terms | 3-year holding period; deposits accepted in cash and non-cash; passport copy plus account application required | Tagesgeldkonto: daily access, deposits and withdrawals possible daily, balance available daily, one account per customer, payment traffic only via the registered reference checking account |
| Account kind | Fixed | Easy access |
| Term | 36 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Monthly fee | Not confirmed | €0 |
Same on both: Rate type (Fixed).
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Key differences
- Amonatbonk scores higher overall: 9.8 vs 9.4.
- Founded is lower at Amonatbonk: 1885 vs 1946.
- Headline rate is higher at Amonatbonk: 13% vs 3.25%.
- Support channels: only Amonatbonk offers Help centre.
- Pricing model: only Berliner Volksbank offers No monthly fee.
Our verdict on each
Amonatbonk
Amonatbonk pays 13% on a fixed deposit that runs for 36 months, so it suits savers in Tajikistan who can leave cash untouched for years. Head office sits in Tajikistan, and the set-up needs a passport copy, so quick access to the money is not part of the deal.
Berliner Volksbank
Berliner Volksbank is a cooperative bank for savers in Germany who want daily access to a fixed-rate overnight deposit with no minimum balance and no monthly fee. The interest is set at 3.25%, the balance sits under EU DGS up to EUR 100,000, and the account runs as an easy-access product.
Score breakdown
| Area | Amonatbonk | Berliner Volksbank |
|---|---|---|
| Cost | Not confirmed | 9.3Monthly fee of €0 and a minimum deposit of €0 keep the cost side light. |
| Offer | 9.7HigherA 13% headline on a 36 term, with the entry point at TJS 500. | 8.8Fixed rate of 3.25% on an easy-access account, with EU DGS up to EUR 100,000 covering the balance. |
| Trust | 9.9Higher | 9.8 |
What it costs in practice
10,000 saved for 12 months
Amonatbonk
1,300
13% of 10,000
Berliner Volksbank
325
3.25% of 10,000
Amonatbonk comes out 975 higher in this example.
Excludes monthly fee (not stated by Amonatbonk). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Amonatbonk | Berliner Volksbank |
|---|---|---|
| Current and checking accounts | 23 of 885 | 38 of 885 |
| Savings accounts | 42 of 1420 | 83 of 1420 |
| Fixed-rate bonds and CDs | 7 of 188 | 18 of 188 |
Where each is licensed and available
| Country | Amonatbonk | Berliner Volksbank |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Amonatbonk: 1. Additional countries for Berliner Volksbank: 1.
A third option
Bank Eskhata has headline rate at 12% to 15%, against 13% for Amonatbonk and 3.25% for Berliner Volksbank.
Bank Eskhata reviewSources behind this comparison
Amonatbonk
- amonatbonk.tj: 11 facts, checked September 26, 2026
Berliner Volksbank
- berliner-volksbank.de: 11 facts, checked September 26, 2026
- bafin.de: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Amonatbonk | Berliner Volksbank |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee, Fixed rateCovers more |
| Legal entity | Closed Joint Stock Company Amonatbank (КВД БА ҶТ "Амонатбонк") | Berliner Volksbank eG |
| Headquarters | Tajikistan | Germany |
| Founded | 1885Lower | 1946 |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Money transfer
| Fact | Amonatbonk | Berliner Volksbank |
|---|---|---|
| Transfer fee | 0% for transfers to individuals; 0.25% to 1% inter-regional individual transfers | Not confirmed |
| Delivery time | 5 minutes | Not confirmed |
| Payout methods | Bank, Card, Cash pickup | Not confirmed |
| Currencies | 4 | Not confirmed |
Where each stands against the rest
| Fact | Amonatbonk | Berliner Volksbank | Median |
|---|---|---|---|
| Headline rate | 13%highest quarter | 3.25%at the median | 3.25% |
| Term | 36 monthsabove the median | Not confirmed | 24 months |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
Amonatbonk
Pros
- The rate is fixed and set for the whole term, so the return does not drift with the market.
- Transfers to individuals are free, and delivery takes 5 minutes.
- Money can come out through bank, card and cash pickup.
Cons
- The 36 holding period ties the money up for the full run, with no shorter term offered.
- A 4 currency set is narrower than the 5 seen across the site.
- A TJS 500 minimum puts the deposit out of reach for small savers.
Berliner Volksbank
Pros
- Fixed interest of 3.25% on the overnight deposit, so the return does not move with the market
- Monthly fee of €0 and a minimum deposit of €0, so the account is free to open and keep
- Daily deposits and withdrawals with the balance available daily on an easy-access account
Cons
- Only one account per customer, and payment traffic runs only via the registered reference checking account
- Chat and a help centre are not among its support channels (email and phone), which cover email and phone
- The fixed rate of 3.25% places the bank at 223 of 473 on headline rate
Who each suits
Amonatbonk
Who it suits
- Savers in Tajikistan who can leave cash untouched for the full 36 term.
- Customers who want to pull money out through bank, card and cash pickup.
- Anyone weighing a fixed deposit against shorter terms elsewhere.
Who should look elsewhere
- Plazo ES, because its 24.19% comes from a credit card deal rather than a fixed deposit.
- AXI Card, whose 21.59% is a card rate, for anyone who wants daily access to the money.
- PayPal Colombia, whose 3.3% reward suits people who mainly send money.
Berliner Volksbank
Who it suits
- Savers in Germany who want the balance reachable on any day
- Customers already holding a current account at the bank
- Anyone who does not want a minimum balance tied up
Who should look elsewhere
- AXI Card Tarjeta y Credito, whose headline rate of 21.59% sits far above 3.25% for savers chasing the highest yield
- Plazo ES, which quotes 24.19% and suits people willing to lock a card balance rather than rely on a fixed overnight rate
- Customers who need several accounts per person, since the bank allows one
Current offers
Berliner Volksbank
Current offer
Bonus
Tagesgeld Aktionszins for new customers: 3.25 % p.a. on up to EUR 50,000.00 until 5 January 2027
New customers only (no holder or co-holder of a Girokonto, Tagesgeld, Festgeld, Depot or other active product in the last 12 months); adults resident in Germany; opening online from 03.09.2026 only, no branch or phone opening; voluntary contact permission required; max EUR 50,000.00, amounts above that at the standard rate of currently 0.75 % p.a.; interest paid quarterly; bank may end or adjust the promo rate for future accounts
Source, checked September 26, 2026
Bonus
200 Euro Neukundenbonus for the free Girokonto under 30: 200 EUR
Free account management for all customers under 30 with no minimum deposits; includes Gold credit card and girocard, travel insurance package and up to 10 % travel bonus on travel bookings
Source, checked September 26, 2026
Country by country
| Country | Amonatbonk | Berliner Volksbank |
|---|---|---|
| Germany | No | Yes |
| Tajikistan | Yes | No |
Questions about each
Amonatbonk
What rate does the deposit pay?+
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.
How much can I put in, and for how long?+
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.
Berliner Volksbank
What rate does the overnight deposit pay?+
The account pays a fixed rate of 3.25%. Rate type is fixed, so the figure is not moved with the wider money market the way a variable rate can be. That suits savers who want to know what the account earns.
Is there a minimum balance to open the account?+
There is no minimum balance to meet. The minimum deposit is €0, so the account opens at any funding level. Ranked on minimum deposit, the brand places 1 of 370 on the table.
Other options to compare
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Related by the facts
Amonatbonk
Berliner Volksbank