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Updated September 28, 2026 · VaultCue Editorial Team

Finom vs Unibank deposits

Finom scores 8.9 and Unibank deposits 9.5 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
Visit
Unibank deposits

Unibank deposits

Higher score in this comparison

9.5/10
See alternatives

Finom vs Unibank deposits: the differences

Finom vs Unibank deposits
CompareFinomFinomReviewVisitVisitUnibank depositsUnibank depositsReviewSee alternativesSee alternatives
Headline rate5%7% to 10.5%Higher
Minimum deposit€0AZN 500
Access termsInstant access, withdraw at any time with no withdrawal penaltiesWithdrawal at maturity or monthly interest payout; premature withdrawal pays 0-25% of the annual rate
Account kindCash managementFixed
TermNot confirmed3 to 24 months
Deposit protectionEU DGS up to EUR 100,000Not confirmed
Monthly fee€0Not confirmed

Same on both: Rate type (Fixed).

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

  • Unibank deposits scores higher overall: 9.5 vs 8.9.
  • Founded is lower at Unibank deposits: 1992 vs 2019.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Headline rate is higher at Unibank deposits: 7% to 10.5% vs 5%.
  • Support channels: only Finom offers Community.
  • Support channels: only Unibank deposits offers Phone.
  • Pricing model: only Finom offers No monthly fee.

Our verdict on each

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

Unibank deposits

Unibank deposits pays a fixed rate of 7% to 10.5% for terms of 3 to 24 from AZN 500, so it suits savers in Azerbaijan who can leave manat untouched in the account until maturity. Support runs by email, chat and phone, and the Central Bank of the Republic of Azerbaijan holds its banking licence.

Read the full Unibank deposits review

Score breakdown

Finom vs Unibank deposits
AreaFinomUnibank deposits
Cost9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.Not confirmed
Offer9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.9.4
Trust8.29.5Higher

Availability and regulation

Finom vs Unibank deposits
CountryFinomUnibank deposits
AzerbaijanNot confirmed
CyprusNot confirmed
NetherlandsNot confirmed

Additional countries for Finom: 11. Additional countries for Unibank deposits: 1.

Positions in our rankings

Finom vs Unibank deposits
RankingFinomUnibank deposits
Savings accounts1 of 142074 of 1420
Fixed-rate bonds and CDs1 of 18815 of 188

What it costs in practice

10,000 saved for 12 months

Finom

500

5% of 10,000

Unibank deposits

700 to 1,050

7% to 10.5% of 10,000

Unibank deposits comes out 550 higher in this example.

Excludes monthly fee (not stated by Unibank deposits). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

A third option

Amonatbonk has headline rate at 13%, against 5% for Finom and 7% to 10.5% for Unibank deposits.

Amonatbonk review

Sources behind this comparison

Finom

  • finom.co: 12 facts, checked September 26, 2026

Unibank deposits

  • unibank.az: 11 facts, checked September 26, 2026

Every fact side by side

Finom vs Unibank deposits
FactFinomUnibank deposits
Pricing modelNo monthly fee, Fixed rateCovers moreFixed rate
Legal entityPNL Fintech B.V.UNIBANK Commercial Bank Open Joint-Stock Company
HeadquartersNetherlandsAzerbaijan
Founded20191992Lower
Support channelsEmail, Chat, Help centre, CommunityEmail, Chat, Phone, Help centre

Everyday accounts

Finom vs Unibank deposits
FactFinomUnibank deposits
Currency conversion fee1%Not confirmed
Currencies17Not confirmed
AudienceBusiness, FreelancerNot confirmed
FeaturesFree ATMNot confirmed
Local account detailsIBANNot confirmed
Free ATM withdrawals€10,000Not confirmed
Transfer feeFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)Not confirmed

Where each stands against the rest

Finom vs Unibank deposits
FactFinomUnibank depositsMedian
Headline rate5%above the median7% to 10.5%highest quarter3.25%
TermNot confirmed3 to 24 monthsat the median24
Monthly fee€0at the medianNot confirmed€0

Median across 658 listed accounts.

Pros and cons

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

Unibank deposits

Pros

  • The headline rate of 7% to 10.5% sits well above the savings account median of 3%, and the rate type is fixed
  • Terms run 3 to 24, so savers can pick the length that suits them rather than take a single set period
  • Help is available by email, chat and phone, including phone, chat and a help centre

Cons

  • Premature withdrawal pays a cut of the annual rate rather than the full amount, so any early return of the cash costs interest
  • Access runs at maturity or through a monthly interest payout, both narrower than the easy access savings most readers compare at 76.7%
  • The minimum deposit of AZN 500 sits above the fixed deposit median of €190

Who each suits

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

Unibank deposits

Who it suits

  • Savers in Azerbaijan with a set sum to put away for a known term
  • People who can leave the balance untouched until it matures
  • Holders of manat who want their money under Central Bank of the Republic of Azerbaijan supervision

Who should look elsewhere

  • People who need to withdraw at short notice, since premature withdrawal pays a cut of the annual rate
  • Savings seekers wanting an easy access account, as this one is fixed
  • Readers who want a term longer than 3 to 24

Current offers

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Unibank deposits

Current offer

  • Bonus

    Gift card with Term deposit (UCard / Mastercard Black Edition): UCard for deposits of 1 000-20 000 AZN / USD; Mastercard Black Edition for deposits over 20 001 AZN / USD / EUR

    Available with monthly withdrawal of accrued interest, depending on the deposit amount

    Source, checked September 26, 2026

  • Bonus

    UCard interest-free grace period: up to 72 days interest-free grace period on up to 30 000 AZN

    Source, checked September 26, 2026

Country by country

Finom vs Unibank deposits
CountryFinomUnibank deposits
AustriaYesNo
AzerbaijanNoYes
BelgiumYesNo
CyprusYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo

8 of 12 countries where either is available.

Questions about each

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

Unibank deposits

What rate does Unibank pay on its fixed deposits?+

The headline rate of 7% to 10.5% applies on a fixed basis, so the figure holds for the whole term. That sits above the upper quartile of 4.15% among savings accounts on the site and well over the median of 3%.

How much do I need to open the account?+

The minimum deposit is AZN 500, a little above the fixed deposit median of €190 across the site. Terms run 3 to 24, and the balance is held in manat through UNIBANK Commercial Bank Open Joint-Stock Company.

Other options to compare

Other matchups

Finom

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Unibank deposits

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