Updated September 29, 2026 · VaultCue Editorial Team
Bank Kompanion vs PiggyVest
Bank Kompanion
PiggyVest
Higher score in this comparison
Bank Kompanion vs PiggyVest: the differences
| Compare | Bank KompanionReviewSee alternativesSee alternatives | PiggyVestReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 13%Higher | 12% |
| Rate type | Fixed | Variable |
| Access terms | Opened in the Kompanion mobile app, interest paid monthly | Free withdrawal to a Nigerian bank account or PocketApp account at any time; max 4 withdrawals a month to a bank account and 6 a month to PocketApp before all accrued interest is lost; one withdrawal every 10 hours; minimum withdrawal N2,000 |
| Monthly fee | KGS 0 | NGN 0 |
| Account kind | Fixed | Easy access |
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Key differences
- Headline rate is higher at Bank Kompanion: 13% vs 12%.
- Support channels: only PiggyVest offers Email, Help centre.
Our verdict on each
Bank Kompanion
Bank Kompanion is a fee-free app bank aimed at travelers who hold several currencies. The everyday account costs KGS 0 a month, and the savings side pays a fixed rate of 13% with interest credited monthly, well above the 3.08% for savings accounts on the site.
PiggyVest
PiggyVest suits Nigerian savers who want easy access to their money and a rate well above the 3% median. The easy-access account pays 12% on a variable basis, charges a monthly fee of NGN 0 and runs through the Securities and Exchange Commission of Nigeria.
Score breakdown
| Area | Bank Kompanion | PiggyVest |
|---|---|---|
| Offer | Not confirmed | 9.5No monthly charge of NGN 0 on an easy-access account paying 12%, plus a digital-only service and support on email, phone and help centre. |
| Trust | Not confirmed | 8.4 |
Where each is licensed and available
| Country | Bank Kompanion | PiggyVest |
|---|---|---|
| Nigeria | Not confirmed | Securities and Exchange Commission of Nigeria RC No. 1760152 |
Additional countries for Bank Kompanion: 1. Additional countries for PiggyVest: 1.
Where they rank in our lists
| Ranking | Bank Kompanion | PiggyVest |
|---|---|---|
| Savings accounts | 737 of 1420 | 477 of 1420 |
| Multi-currency accounts | 269 of 348 | 196 of 348 |
A third option
Bank Eskhata has headline rate at 12% to 15%, against 13% for Bank Kompanion and 12% for PiggyVest.
Bank Eskhata reviewSources behind this comparison
Bank Kompanion
- kompanion.kg: 9 facts, checked September 26, 2026
PiggyVest
- piggyvest.com: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Bank Kompanion | PiggyVest |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Kompanion Bank CJSC (Bank Kompanion JSC) | Piggytech Global Limited |
| Headquarters | Kyrgyzstan | Nigeria |
| Founded | Not confirmed | 2016 |
| Support channels | Phone | Email, Phone, Help centreCovers more |
Everyday accounts
| Fact | Bank Kompanion | PiggyVest |
|---|---|---|
| Currencies | 5Higher | 2 |
| Audience | Travelers | Not confirmed |
| Features | Free ATM | Digital only |
| Local account details | Not confirmed | Us ACH |
| Transfer fee | Not confirmed | 0 NGN - no bank charges for transferring money to a PiggyVest account |
Money transfer
| Fact | Bank Kompanion | PiggyVest |
|---|---|---|
| Delivery time | instant | Not confirmed |
| Payout methods | Card, Wallet | Not confirmed |
Where each stands against the rest
| Fact | Bank Kompanion | PiggyVest | Median |
|---|---|---|---|
| Headline rate | 13%highest quarter | 12%highest quarter | 3.25% |
Median across 658 listed accounts.
Pros and cons
Bank Kompanion
Pros
- The account covers 5 currencies and includes free atm, which suits people who move money across borders.
- Interest on the savings deposit is credited monthly rather than at the end of a term.
- Transfers arrive instant and pay out to card and wallet.
Cons
- Support runs on phone only, so email and help centre support are not part of the offer.
- Savings sit in a fixed deposit, so the money is tied rather than available on demand.
- Currencies are limited to 5, well short of the 350 seen across the site.
PiggyVest
Pros
- A monthly fee of NGN 0 on an easy access account, so nothing is deducted for holding the balance
- Withdrawals are free to a Nigerian bank account or a PocketApp account, and transfers into the account carry no bank charges
- The 12% rate sits well above the 3% median rate on the site
Cons
- Withdrawal rules bite: monthly caps apply to bank and PocketApp payouts and all accrued interest is lost beyond them
- The service is digital only, so there is no branch to visit
- Access covers 2 currencies only, which limits anyone holding money abroad
Who each suits
Bank Kompanion
Who it suits
- Travelers who hold more than one currency and want one app for the lot.
- Anyone after a fixed return without a monthly account charge.
- People who prefer to sort an account question over the phone.
Who should look elsewhere
- Plazo ES, if the headline rate of 24.19% is the number that decides it.
- AXI Card Tarjeta y Credito, whose 21.59% headline rate sits above the deposit rate here.
- PayPal Colombia, whose 3.3% headline rate is well below the savings rate on offer.
PiggyVest
Who it suits
- Savers in Nigeria who need flexible access rather than a fixed term
- Readers who want a high rate without a monthly charge
- People who bank and save through an app rather than in person
Who should look elsewhere
- Anyone saving on a fixed term, since the account is easy access and the rate is variable
- Savers who need many currencies, since the account covers 2
- Readers who want branch service, since the service is digital only
Country by country
| Country | Bank Kompanion | PiggyVest |
|---|---|---|
| Kyrgyzstan | Yes | No |
| Nigeria | No | Yes |
Questions about each
Bank Kompanion
How much does a Bank Kompanion account cost to run?+
The everyday account carries a monthly fee of KGS 0, and the bank sells itself on a no monthly fee model. Transfer payouts can go to card and wallet, so the running cost of holding the account stays at the minimum. Savings rates are quoted separately from account charges.
What rate does the Bank Kompanion savings deposit pay?+
The deposit pays 13% at a fixed rate, with interest credited monthly. That sits well above the 3.08% for savings accounts on the site, though ranks move with the market. Because the account is fixed, the rate is set when you open the deposit.
PiggyVest
What rate does PiggyVest pay on savings?+
The headline rate is 12% and it is variable, so the return can move instead of being held to a fixed term. That compares with a median of 3% across the brands on the site. The account kind is easy access.
How much does a PiggyVest account cost to hold?+
The monthly fee is NGN 0, and the model is no monthly fee. Transfers into the account carry no bank charges. Withdrawals out are free to a Nigerian bank account or a PocketApp account.
Other options to compare
Related by the facts
Bank Kompanion
PiggyVest