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Updated September 28, 2026 · VaultCue Editorial Team

Amonatbonk vs Qonto

Amonatbonk scores 9.8 and Qonto 8.7 out of 10. Compare their differences and shared features below.
Qonto

Qonto

8.7/10
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Amonatbonk

Amonatbonk

Higher score in this comparison

9.8/10
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Where Amonatbonk and Qonto differ

Amonatbonk vs Qonto
CompareAmonatbonkAmonatbonkReviewSee alternativesSee alternativesQontoQontoReviewVisitVisit
Headline rate13%Higher1.5%
Rate typeFixedVariable
Minimum depositTJS 500€0
Access terms3-year holding period; deposits accepted in cash and non-cash; passport copy plus account application requiredInstant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Account kindFixedCash management
Term36 monthsNot confirmed
Deposit protectionNot confirmedEU DGS up to EUR 100,000
Monthly feeNot confirmed€19

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Amonatbonk scores higher overall: 9.8 vs 8.7.
  • Founded is lower at Amonatbonk: 1885 vs 2017.
  • Qonto is available in 7 more countries.
  • Headline rate is higher at Amonatbonk: 13% vs 1.5%.
  • Support channels: only Qonto offers Chat.

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.

Read the full Amonatbonk review

Qonto

Qonto suits businesses and freelancers who want their day to day banking in one app and will not chase the highest rate. The monthly fee of €19 is the trade off, and the 1.5% headline rate ranks 350 of 473 brands.

Read the full Qonto review

Score breakdown

Amonatbonk vs Qonto
AreaAmonatbonkQonto
CostNot confirmed8.8A monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €0
Offer9.7HigherA 13% headline on a 36 term, with the entry point at TJS 500.9.1Headline rate of 1.5% is variable and sits at 350 of 473
Trust9.9Higher8.3

Where each is licensed and available

Amonatbonk vs Qonto
CountryAmonatbonkQonto
FranceNot confirmed
FR_ACPR PSD_PI FR_ACPR!68677

Additional countries for Amonatbonk: 1. Additional countries for Qonto: 8.

Positions in our rankings

Amonatbonk vs Qonto
RankingAmonatbonkQonto
Current and checking accounts23 of 8851 of 885
Savings accounts42 of 14208 of 1420

The bill, worked out

10,000 saved for 12 months

Amonatbonk

1,300

13% of 10,000

Qonto

150

1.5% of 10,000

Amonatbonk comes out 1,150 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.

If neither fits

Bank Eskhata has headline rate at 12% to 15%, against 13% for Amonatbonk and 1.5% for Qonto.

Bank Eskhata review

What we checked

Amonatbonk

  • amonatbonk.tj: 11 facts, checked September 26, 2026

Qonto

  • qonto.com: 9 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

Every fact side by side

Amonatbonk vs Qonto
FactAmonatbonkQonto
Pricing modelFixed rateNot confirmed
Legal entityClosed Joint Stock Company Amonatbank (КВД БА ҶТ "Амонатбонк")QONTO
HeadquartersTajikistanFrance
Founded1885Lower2017
Support channelsPhone, Email, Help centreChat, Phone, Email, Help centreCovers more

Money transfer

Amonatbonk vs Qonto
FactAmonatbonkQonto
Transfer fee0% for transfers to individuals; 0.25% to 1% inter-regional individual transfers30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan)
Delivery time5 minutesNot confirmed
Licence typeNot confirmedPayment institution
Payout methodsBank, Card, Cash pickupNot confirmed
Currencies4from 30

Everyday accounts

Amonatbonk vs Qonto
FactAmonatbonkQonto
Currency conversion feeNot confirmed0.8% to 1.8%
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedDigital only
Local account detailsNot confirmedIBAN

Where each stands against the rest

Amonatbonk vs Qonto
FactAmonatbonkQontoMedian
Headline rate13%highest quarter1.5%lowest quarter3.25%
Term36 monthsabove the medianNot confirmed24 months
Monthly feeNot confirmed€19highest quarter€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.

Qonto

Pros

  • Minimum deposit of €0, so the account opens without tying up money
  • Support runs on chat, phone and email
  • Currency conversion of 0.8% to 1.8% suits frequent international invoicing

Cons

  • The monthly fee of €19 makes it expensive for anyone holding a small balance
  • The account is digital only, so there is no branch to visit
  • The 1.5% rate is only paid while the transaction condition is met

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.

Qonto

Who it suits

  • Freelancers and sole traders billing across borders
  • Small businesses paying and receiving in several currencies
  • Anyone who wants their accounts, cards and invoices in one app

Who should look elsewhere

  • Anyone saving mainly for yield, since the 1.5% rate is variable and ranks 350 of 473
  • People who want to hold a large balance while paying nothing, given the monthly fee of €19
  • Anyone who prefers a branch, as the account is digital only

Current offers

Qonto

Current offer

  • Bonus

    Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan

    New customers only, first 2 months of the contract, on plans Smart and above; requires at least 5 eligible payment transactions of at least 1 EUR per month; remuneration capped at 50,000 EUR on Smart and 100,000 EUR on Premium; Account Remuneration currently available in France, Spain, Italy and the Netherlands

    Source, checked September 26, 2026

  • Free trial

    1-month free trial on business account plans: 1 month free

    Offered on the Basic, Smart and Premium business account plans, prices excl. VAT

    Source, checked September 26, 2026

Country by country

Amonatbonk vs Qonto
CountryAmonatbonkQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
ItalyNoYes
NetherlandsNoYes
PortugalNoYes
SpainNoYes

8 of 9 countries where either is available.

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.

Qonto

How much does Qonto cost each month?+

The standard plan charges a monthly fee of €19. SEPA transfers are included up to a set monthly allowance, and each transfer beyond it carries a small fixed charge. Currency conversion adds 0.8% to 1.8% on converted payments.

Is there a minimum deposit to open a Qonto account?+

There is no minimum, and the stated minimum deposit is €0. The account can therefore be opened and funded with a small balance, which suits a new business or a first freelance invoice.

Other options to compare

Qonto

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Amonatbonk

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