Updated September 28, 2026 · VaultCue Editorial Team
Amonatbonk vs XTB
XTB
Amonatbonk
Higher score in this comparison
What sets them apart
| Compare | AmonatbonkReviewSee alternativesSee alternatives | XTBReviewVisitVisit |
|---|---|---|
| Headline rate | 13%Higher | 4% |
| Rate type | Fixed | Variable |
| Minimum deposit | TJS 500 | £0 |
| Access terms | 3-year holding period; deposits accepted in cash and non-cash; passport copy plus account application required | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Account kind | Fixed | Easy access |
| Term | 36 months | Not confirmed |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Monthly fee | Not confirmed | £0 |
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Key differences
- Amonatbonk scores higher overall: 9.8 vs 9.3.
- Founded is lower at Amonatbonk: 1885 vs 2004.
- XTB is available in 8 more countries.
- Headline rate is higher at Amonatbonk: 13% vs 4%.
- Support channels: only XTB offers Chat.
- Pricing model: only Amonatbonk offers Fixed rate.
- Pricing model: only XTB 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.
XTB
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Score breakdown
| Area | Amonatbonk | XTB |
|---|---|---|
| Cost | Not confirmed | 9.3A monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median. |
| Offer | 9.7HigherA 13% headline on a 36 term, with the entry point at TJS 500. | 9.6The 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable. |
| Trust | 9.9Higher | 9.1 |
Cost in a real example
10,000 saved for 12 months
Amonatbonk
1,300
13% of 10,000
XTB
400
4% of 10,000
Amonatbonk comes out 900 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 4% for XTB.
Bank Eskhata reviewSources behind this comparison
Amonatbonk
- amonatbonk.tj: 11 facts, checked September 26, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Amonatbonk | XTB |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee |
| Legal entity | Closed Joint Stock Company Amonatbank (КВД БА ҶТ "Амонатбонк") | XTB Limited |
| Headquarters | Tajikistan | Cyprus |
| Founded | 1885Lower | 2004 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Money transfer
| Fact | Amonatbonk | XTB |
|---|---|---|
| Transfer fee | 0% for transfers to individuals; 0.25% to 1% inter-regional individual transfers | Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below |
| Delivery time | 5 minutes | Not confirmed |
| Payout methods | Bank, Card, Cash pickup | Not confirmed |
| Currencies | 4 | Not confirmed |
Everyday accounts
| Fact | Amonatbonk | XTB |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% |
Where each stands against the rest
| Fact | Amonatbonk | XTB | Median |
|---|---|---|---|
| Headline rate | 13%highest quarter | 4%above the median | 3.25% |
| Term | 36 monthsabove the median | Not confirmed | 24 months |
| Monthly fee | Not confirmed | £0at the median | £0 |
Median across 659 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.
XTB
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
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.
XTB
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
Current offers
XTB
Current offer
Free trial
Free training account: Free
Test your investing strategies and experience the market without risking your own capital
Source, checked September 26, 2026
Country by country
| Country | Amonatbonk | XTB |
|---|---|---|
| Belize | No | Yes |
| Chile | No | Yes |
| Cyprus | No | Yes |
| Germany | No | Yes |
| Poland | No | Yes |
| South Africa | No | Yes |
| Spain | No | Yes |
| Tajikistan | Yes | No |
8 of 10 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.
XTB
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.
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Related by the facts
XTB
Amonatbonk