Updated September 28, 2026 · VaultCue Editorial Team
Imon International vs PASHA Bank digital deposits
Imon International
PASHA Bank digital deposits
Higher score in this comparison
Where Imon International and PASHA Bank digital deposits differ
| Compare | Imon InternationalReviewSee alternativesSee alternatives | PASHA Bank digital depositsReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 16%Higher | 9.75% |
| Term | 3 to 24 months | 3 to 36 monthsHigher |
| Minimum deposit | TJS 1,000 | AZN 500 |
| Access terms | Citizens of the Republic of Tajikistan aged 16 and over; deposit term 3 to 24 months | Digital deposit opened in the PASHA Bank mobile app without visiting a branch; 3-36 month term, interest paid at the end of the period or monthly, AZN and USD |
| Monthly fee | TJS 0 | Not confirmed |
Same on both: Rate type (Fixed), Account kind (Fixed).
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Key differences
- Headline rate is higher at Imon International: 16% vs 9.75%.
- Term is higher at PASHA Bank digital deposits: 3 to 36 months vs 3 to 24 months.
- Support channels: only Imon International offers Community.
- Support channels: only PASHA Bank digital deposits offers Phone, Email.
- Pricing model: only Imon International offers No monthly fee.
Our verdict on each
Imon International
Imon International suits savers in Tajikistan who can leave a lump sum for a set stretch and want the rate held steady. The fixed rate of 16% with a monthly fee of TJS 0 carries it, while the TJS 1,000 minimum and the community support channel limit who it suits.
PASHA Bank digital deposits
PASHA Bank digital deposits suit Azerbaijani savers who want a fixed rate locked in the app and do not need to touch a branch. The account pays 9.75% fixed over a 3 to 36 term from a AZN 500 minimum, and the money is held by PASHA Bank OJSC.
Score breakdown
| Area | Imon International | PASHA Bank digital deposits |
|---|---|---|
| Offer | Not confirmed | 9.0Fixed rate of 9.75% on a 3 to 36 term digital deposit, opened in the app with a AZN 500 minimum. |
| Trust | Not confirmed | 9.0 |
Choosing between them
Pick Imon International if headline rate matter most.
Pick PASHA Bank digital deposits if term matter most.
The bill, worked out
10,000 saved for 12 months
Imon International
1,600
16% of 10,000
PASHA Bank digital deposits
975
9.75% of 10,000
Imon International comes out 625 higher in this example.
Excludes monthly fee (not stated by PASHA Bank digital deposits). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Imon International | PASHA Bank digital deposits |
|---|---|---|
| Savings accounts | 966 of 1420 | 359 of 1420 |
| Fixed-rate bonds and CDs | 136 of 188 | 73 of 188 |
A third option
Mercado Pago has headline rate at 105%, against 16% for Imon International and 9.75% for PASHA Bank digital deposits.
Mercado Pago reviewWhere these facts come from
Imon International
- imon.tj: 10 facts, checked September 26, 2026
PASHA Bank digital deposits
- pashabank.az: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Imon International | PASHA Bank digital deposits |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | Fixed rate |
| Legal entity | Imon International Bank | PASHA Bank OJSC |
| Headquarters | Not confirmed | Azerbaijan |
| Founded | Not confirmed | 2007 |
| Support channels | Community | Phone, Email |
Money transfer
| Fact | Imon International | PASHA Bank digital deposits |
|---|---|---|
| Transfer fee | Not confirmed | Online 0.10% (min. 1 - max. 150 AZN); paper-based 0.13% (min. 2 - max. 230 AZN) |
| Currencies | Not confirmed | 2 |
Everyday accounts
| Fact | Imon International | PASHA Bank digital deposits |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% to 1% |
| Audience | Not confirmed | Business |
| Features | Not confirmed | Digital only |
Where each stands against the rest
| Fact | Imon International | PASHA Bank digital deposits | Median |
|---|---|---|---|
| Headline rate | 16%highest quarter | 9.75%highest quarter | 3.25% |
| Term | 3 to 24 monthsat the median | 3 to 36 monthsabove the median | 24 |
Median across 658 listed accounts.
Pros and cons
Imon International
Pros
- A fixed rate of 16% with a monthly fee of TJS 0 means nothing is skimmed off the return over the term.
- The 16% headline rate compares with a site savings median of 3.08%, far above a typical savings listing.
- no monthly fee and fixed rate pairs a fixed rate with no monthly fee, so the terms are simple to hold and easy to explain to a household budget.
Cons
- Support runs on community, so a question about an early withdrawal or a payment date goes to a community channel.
- The account kind is fixed, so there is no easy access route on the 3 to 24 placement for money that may be needed sooner.
- The headline rate of 16% sits below AXI Card at 21.59% and Plazo ES at 24.19% among the picks here.
PASHA Bank digital deposits
Pros
- A fixed rate of 9.75% sits well above the savings account median of 3% and the median fixed deposit of 3.08%
- The rate is fixed for the whole term of 3 to 36, so the return is known before the money goes in
- The deposit is opened in the PASHA Bank mobile app with no branch visit, which suits anyone who cannot get to a counter
Cons
- The term is 3 to 36, so money placed early stays locked and cannot be freed before the period ends
- Outgoing transfers are charged on the amount sent, and the paper-based route costs more than the online route, so moving cash in and out adds to the cost of the account
- Currency conversion runs at 0.5% to 1%, which sits at the savings account median of 0.5% rather than below it
Who each suits
Imon International
Who it suits
- Tajik citizens who can commit TJS 1,000 or more for a set stretch and want the rate of 16% held to the end date.
- Readers who want a fixed return with a monthly fee of TJS 0 and no monthly maintenance to track.
- Savers comparing emerging market deposits, where 16% sits well above the savings median of 3.08%.
Who should look elsewhere
- Plazo ES, whose headline rate of 24.19% pays more than the 16% offered here.
- AXI Card, listed at 21.59%, for a reader who weights the headline rate above a savings term.
- PayPal Colombia, listed at 3.3%, where a wallet balance suits the habit better than a term placement.
PASHA Bank digital deposits
Who it suits
- Azerbaijani residents who want a fixed return and can leave the money for a full term
- Business owners parking idle cash, which matches the business focus of business
- Anyone who prefers opening and managing a deposit in a mobile app
Who should look elsewhere
- People who need instant access to savings, since the account is a fixed deposit and the shortest term is 3 to 36
- Savers who want a wider currency choice, because only 2 currencies are on offer
- Readers comparing with Plazo ES, whose headline rate of 24.19% reflects a credit product rather than a deposit
Country by country
| Country | Imon International | PASHA Bank digital deposits |
|---|---|---|
| Azerbaijan | No | Yes |
| Tajikistan | Yes | No |
Questions about each
Imon International
What rate does the Imon International deposit pay?+
The deposit pays a fixed rate of 16%. Fixed means the figure is set when the account is opened and holds through the term, so the return does not drift with market rates. For comparison, the site savings median headline rate is 3.08%.
How much do I need to open the account?+
The minimum deposit is TJS 1,000, which is the entry balance required to open this fixed deposit. That sits above the site median minimum deposit of €0.17 for savings accounts, so a reader starting with a smaller pot would need to save before opening one.
PASHA Bank digital deposits
What rate does the PASHA Bank digital deposit pay?+
The digital deposit pays a fixed rate of 9.75%, with the rate type recorded as fixed. The term is 3 to 36, so the return is set when the deposit is opened and does not move during the period. For comparison, the savings account median on the site is 3%.
How long do I have to leave the money in the account?+
The term runs for 3 to 36, which is a range of holding periods rather than a single fixed maturity. The deposit is a fixed account, so the balance is committed for the period chosen. The most common length among the savings accounts compared here is 12.
Other options to compare
Other matchups
Related by the facts
Imon International
PASHA Bank digital deposits