Azizi Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Azizi Bank is a fixed term deposit from an Afghan bank, built for expats and savers who can leave money for a term yet walk away early if needed. It costs AFN 0 a month, charges nothing on deposits and withdrawals, and pays 4.5%.
Key facts
- Best for
- Expats in Afghanistan who want a fixed return with no monthly or transaction fees.
- Monthly fee
- AFN 0↗
- Currencies
- 4↗
- Transfer fee
- No charges for deposit/withdrawal↗
- Legal entity
- Azizi Bank Limited↗
- Headquarters
- Afghanistan↗
- Founded
- 2006↗
- Support channels
- Email, Phone↗
- Audience
- Expats
- Pricing model
- No monthly fee
- Features
- Joint account
- Official website
- azizibank.af
Savings
Money transfer
Facts checked September 26, 2026, 7 sources
Apps and profiles
Pros and cons
Pros
- A monthly fee of AFN 0, so the deposit costs nothing to keep open.
- Deposits and withdrawals carry no charge, which is unusual when moving money in and out.
- A headline rate of 4.5%, above the 3.25% for accounts in this family.
- Early withdrawals are allowed, so the term does not have to run to the end.
Cons
- A minimum deposit of AFN 10,000 is needed to open the term, so a small balance cannot get started.
- Support runs on email and phone only, with no chat or help centre in the list.
- Covers 4 currencies, under the 5 for multi-currency accounts here.
Who it suits
- Expats in Afghanistan, the audience the bank is built around (expats).
- Savers who can commit for a term of 3 to 60 and still want an early withdrawal option.
- Couples and families, since a joint account is available through joint account.
Who should look elsewhere
- PayPal Colombia, which charges $0 but is a wallet for online payments rather than a term deposit.
- Skrill, which charges €0 and suits holding and moving money online rather than a fixed return.
- eToro, which charges £0 and draws its return from trading rather than interest on a deposit.
How Azizi Bank compares
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.0
8.8 vs 8.9No monthly fee at £0, but the return comes from trading rather than a 4.5% deposit rate.
8.8 vs 9.1
8.8 vs 9.2
8.8 vs 8.7
8.8 vs 8.7
8.8 vs 8.7
8.8 vs 9.0Charges €0 a month and offers no fixed rate on a term deposit.
8.8 vs 8.7
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9- 8.8 vs 8.9
8.8 vs 8.7
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.1- 8.8 vs 8.1
8.8 vs 8.0
8.8 vs 8.0
8.8 vs 8.0
8.8 vs 9.1
Where Azizi Bank is available
- Available
- Afghanistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Azizi Bank fixed deposit pay?+
The deposit pays a headline rate of 4.5%, and the rate type is fixed, so a single rate holds for the whole term. Terms last 3 to 60, and a minimum deposit of AFN 10,000 is needed to open it.
What does it cost to keep the account?+
The monthly fee is AFN 0, and deposits and withdrawals carry no charge either. That puts Azizi Bank in the free to hold group here, where the median monthly fee is €0.
Is the money protected by a deposit scheme?+
The provider is Azizi Bank Limited, a bank based in Afghanistan that has traded since 2006. No deposit protection scheme is stated for this account, so the safety of the balance rests on the bank itself.
Can I withdraw money before the term ends?+
The access terms allow premature withdrawals, so a fixed term does not have to run to the end. The term itself lasts 3 to 60 and the account is fixed, so you are picking a deposit with a set end date rather than instant access money.
How do I get the money out?+
Payouts run to a bank account or a cash pickup, so cash can be collected directly. Transfers complete in Minutes, which suits anyone who needs the money quickly once a withdrawal is allowed.
How many currencies can I hold?+
You can hold 4 currencies, which sits below the 5 typical for multi-currency accounts in this comparison. If you need a wider basket for travel or trade, that is where the account falls short.
Who is the account designed for?+
The bank lists expats as its audience, and the account suits anyone who wants a fixed return without a monthly charge. A joint account is available through joint account, so couples or families can hold the deposit together.
How do I reach support?+
Support runs on email and phone, so a question needs an email or a phone call. Chat and a help centre are not part of that list, which can slow down quick questions about an open term.
Sources
- azizibank.af checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Headquarters, Minimum deposit, Rate type, Term
“Premature withdrawals are allowed ... * Minimum amount is not less than AFN 10000 / USD 300”
- azizibank.af/about checked September 26, 2026
Backs: Founded
“Starting its operations in 2006”
- azizibank.af/contact checked September 26, 2026
Backs: Support channels
“customerservice@azizibank.af - 1515 (Domestic Only)”
- azizibank.af/page/20 checked September 26, 2026
Backs: Audience, Currencies, Features, Transfer fee
“Any individual (Afghan or Foreigner) having attained age of 18 years or above”
- azizibank.af/page/39 checked September 26, 2026
Backs: Legal entity
“This website https://www.azizibank.af is owned and operated by Azizi Bank Limited”
- azizibank.af/page/47 checked September 26, 2026
Backs: Delivery time, Payout methods
“The funds are generally available in minutes and there are no receiver fees, without requiring a bank account.”
- azizibank.af/page/9 checked September 26, 2026
Backs: Pricing model, Monthly fee
“No charges on Account Maintenance Fee - Savings Account”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
Azizi Bank
Expats in Afghanistan who want a fixed return with no monthly or transaction fees.