Updated September 28, 2026 · VaultCue Editorial Team
Amonatbonk vs PASHA Bank digital deposits
Amonatbonk
Higher score in this comparison
PASHA Bank digital deposits
Where Amonatbonk and PASHA Bank digital deposits differ
| Compare | AmonatbonkReviewSee alternativesSee alternatives | PASHA Bank digital depositsReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 13%Higher | 9.75% |
| Term | 36 months | 3 to 36 months |
| Minimum deposit | TJS 500 | AZN 500 |
| Access terms | 3-year holding period; deposits accepted in cash and non-cash; passport copy plus account application required | Digital deposit opened in the PASHA Bank mobile app without visiting a branch; 3-36 month term, interest paid at the end of the period or monthly, AZN and USD |
Same on both: Rate type (Fixed), Account kind (Fixed).
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Key differences
- Amonatbonk scores higher overall: 9.8 vs 9.0.
- Founded is lower at Amonatbonk: 1885 vs 2007.
- Headline rate is higher at Amonatbonk: 13% vs 9.75%.
- Support channels: only Amonatbonk offers Help centre.
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.
PASHA Bank digital deposits
PASHA Bank digital deposits suit Azerbaijani savers who want a fixed rate locked in the app and do not need to touch a branch. The account pays 9.75% fixed over a 3 to 36 term from a AZN 500 minimum, and the money is held by PASHA Bank OJSC.
Score breakdown
| Area | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Offer | 9.7HigherA 13% headline on a 36 term, with the entry point at TJS 500. | 9.0Fixed rate of 9.75% on a 3 to 36 term digital deposit, opened in the app with a AZN 500 minimum. |
| Trust | 9.9Higher | 9.0 |
Availability and regulation
| Country | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Azerbaijan | Not confirmed |
Additional countries for Amonatbonk: 1. Additional countries for PASHA Bank digital deposits: 1.
How they place
| Ranking | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Savings accounts | 42 of 1420 | 359 of 1420 |
| Fixed-rate bonds and CDs | 7 of 188 | 73 of 188 |
What it costs in practice
10,000 saved for 12 months
Amonatbonk
1,300
13% of 10,000
PASHA Bank digital deposits
975
9.75% of 10,000
Amonatbonk comes out 325 higher in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
Amonatbonk
- amonatbonk.tj: 11 facts, checked September 26, 2026
PASHA Bank digital deposits
- pashabank.az: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Closed Joint Stock Company Amonatbank (КВД БА ҶТ "Амонатбонк") | PASHA Bank OJSC |
| Headquarters | Tajikistan | Azerbaijan |
| Founded | 1885Lower | 2007 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Email |
Money transfer
| Fact | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Transfer fee | 0% for transfers to individuals; 0.25% to 1% inter-regional individual transfers | Online 0.10% (min. 1 - max. 150 AZN); paper-based 0.13% (min. 2 - max. 230 AZN) |
| Delivery time | 5 minutes | Not confirmed |
| Payout methods | Bank, Card, Cash pickup | Not confirmed |
| Currencies | 4Higher | 2 |
Everyday accounts
| Fact | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% to 1% |
| Audience | Not confirmed | Business |
| Features | Not confirmed | Digital only |
Where each stands against the rest
| Fact | Amonatbonk | PASHA Bank digital deposits | Median |
|---|---|---|---|
| Headline rate | 13%highest quarter | 9.75%highest quarter | 3.25% |
| Term | 36 monthsabove the median | 3 to 36 monthsabove the median | 24 months |
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.
PASHA Bank digital deposits
Pros
- A fixed rate of 9.75% sits well above the savings account median of 3% and the median fixed deposit of 3.08%
- The rate is fixed for the whole term of 3 to 36, so the return is known before the money goes in
- The deposit is opened in the PASHA Bank mobile app with no branch visit, which suits anyone who cannot get to a counter
Cons
- The term is 3 to 36, so money placed early stays locked and cannot be freed before the period ends
- Outgoing transfers are charged on the amount sent, and the paper-based route costs more than the online route, so moving cash in and out adds to the cost of the account
- Currency conversion runs at 0.5% to 1%, which sits at the savings account median of 0.5% rather than below it
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.
PASHA Bank digital deposits
Who it suits
- Azerbaijani residents who want a fixed return and can leave the money for a full term
- Business owners parking idle cash, which matches the business focus of business
- Anyone who prefers opening and managing a deposit in a mobile app
Who should look elsewhere
- People who need instant access to savings, since the account is a fixed deposit and the shortest term is 3 to 36
- Savers who want a wider currency choice, because only 2 currencies are on offer
- Readers comparing with Plazo ES, whose headline rate of 24.19% reflects a credit product rather than a deposit
Country by country
| Country | Amonatbonk | PASHA Bank digital deposits |
|---|---|---|
| Azerbaijan | 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.
PASHA Bank digital deposits
What rate does the PASHA Bank digital deposit pay?+
The digital deposit pays a fixed rate of 9.75%, with the rate type recorded as fixed. The term is 3 to 36, so the return is set when the deposit is opened and does not move during the period. For comparison, the savings account median on the site is 3%.
How long do I have to leave the money in the account?+
The term runs for 3 to 36, which is a range of holding periods rather than a single fixed maturity. The deposit is a fixed account, so the balance is committed for the period chosen. The most common length among the savings accounts compared here is 12.
Other options to compare
Other matchups
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Amonatbonk
PASHA Bank digital deposits