Bank Eskhata review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bank Eskhata is a Tajik bank for business customers who can leave cash on deposit for a fixed term, paying a 12% to 15% headline rate from a TJS 1,000 minimum. The catch is commitment: the money is tied for 6 to 24, and the card adds TJS 3 a month.
Key facts
- Best for
- Park business cash at a fixed rate for a 6 to 24 term.
- Monthly fee
- TJS 3↗
- Currencies
- 4↗
- Free ATM withdrawals
- TJS 10,000↗
- Legal entity
- Open Joint Stock Company Bank Eskhata↗
- Headquarters
- Tajikistan↗
- Founded
- 1993↗
- Support channels
- Email, Chat, Phone, Community↗
- Audience
- Business
- Pricing model
- Fixed rate
- Features
- Free ATM withdrawals
- Official website
- eskhata.com
Savings
Money transfer
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- A fixed headline rate of 12% to 15% against a site median of 3%.
- Payouts to bank, card and cash pickup, so salaries and supplier payments land where they should.
- Support across email, chat and phone, with phone and chat for quicker questions.
Cons
- Top-ups are unlimited except for a closing window near the end of the term, and early closure is recalculated under the deposit agreement.
- The 4 currency count sits below the site median of 5 and ranks 183 of 379.
- A TJS 3 monthly card fee, where PayPal Colombia lists $0 and Skrill lists €0.
Who it suits
- Business customers in Tajikistan whose spare cash can sit still for a 6 to 24 term.
- Firms that need payouts to bank, card and cash pickup without waiting on a slower clearing cycle.
- Readers who want a fixed return, since variable rates cover 79% of site listings.
Who should look elsewhere
- Readers who want a free monthly fee, because PayPal Colombia lists $0 and Skrill lists €0 against TJS 3 here.
- Anyone who needs the money on demand, since the deposit is fixed over a term of 6 to 24, where Skrill suits moving money instead.
- Readers after broad currency holding, because 4 currencies leaves Plazo ES or Skrill a shorter list to weigh.
Rates and card terms
The deposit pays a fixed headline rate of 12% to 15% across a term of 6 to 24. A fixed rate means the return does not track market rates over the life of the deposit, so the yield can be planned into a forecast. The term range gives room to match the placement to a known cash flow window, from a short period to a longer commitment.
How Bank Eskhata compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0Skrill lists a monthly fee of €0 and suits readers focused on moving money rather than holding it for a 12% to 15% term rate.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
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9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
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9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where Bank Eskhata is available
- Available
- Tajikistan
- Licence in Tajikistan
- National Bank of Tajikistan, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Bank Eskhata card cost each month?+
The card carries a monthly fee of TJS 3, the standing charge to weigh against the interest on the deposit. The site records a monthly fee median of €0, so this card sits above the usual figure and needs the deposit return to justify it.
Who regulates Bank Eskhata?+
Bank Eskhata is supervised by the National Bank of Tajikistan and has operated since 1993, with its legal entity listed as Open Joint Stock Company Bank Eskhata. A central bank supervisor and a long operating record are what readers can check first when weighing how the money is policed.
What rate does the Bank Eskhata deposit pay?+
The deposit pays a fixed headline rate of 12% to 15% for a term of 6 to 24. Because the rate is fixed, it holds for the whole term instead of moving with market rates. For scale, the site median headline rate is 3% and the business ranking median is 3.5%.
How much is needed to open the deposit, and can money be added later?+
The minimum deposit is TJS 1,000. Top-ups are unlimited through the term apart from a closing window near the end, and interest is paid monthly to a card. Closing before the term ends follows the deposit agreement, which can mean the rate is recalculated.
How quickly can money leave a Bank Eskhata account?+
Transfers are Instant, and payouts run to bank, card and cash pickup. That covers bank transfers, card payouts and cash pickup, so a business can move money to a supplier or to someone collecting it in person. The delivery speed applies to the transfer itself.
How many currencies can a Bank Eskhata account hold?+
The bank supports 4 currencies, which puts it below the site median of 5. On the same measure it ranks 183 of 379 brands listed. Businesses trading mainly in the local currency are served better than those holding several currencies at once.
Who is a Bank Eskhata account aimed at?+
The audience is business customers, and businesses are the largest group on the site at 56.5% of listings. That framing suits a company with a turnover to place. A personal saver would weigh the fixed term before anything else.
How can a Bank Eskhata customer get help?+
Support runs on email, chat and phone, which is a broad mix of written and spoken help. Email and chat suit quick written questions, while phone support handles anything urgent about a payment. A community channel covers general queries between the bank and its customers.
Sources
- eskhata.com checked September 26, 2026
Backs: Audience, Currencies, Support channels
- eskhata.com/about/info/requisites checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
- eskhata.com/card/korti-milli checked September 26, 2026
Backs: Free ATM withdrawals, Features
- eskhata.com/card/visa-gold checked September 26, 2026
Backs: Monthly fee
- eskhata.com/depo/profit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
- eskhata.com/transfers checked September 26, 2026
Backs: Delivery time, Payout methods
“Recipient will receive the transfer instantly”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.