Updated September 28, 2026 · VaultCue Editorial Team
Imon International vs Unibank
Imon International
Higher score in this comparison
Unibank
What sets them apart
| Compare | Imon InternationalReviewSee alternativesSee alternatives | UnibankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 16%Higher | 9.7% |
| Term | 3 to 24 months | 1 to 24 months |
| Minimum deposit | TJS 1,000 | AMD 100,000 |
| Monthly fee | TJS 0 | AMD 0 |
| Access terms | Citizens of the Republic of Tajikistan aged 16 and over; deposit term 3 to 24 months | 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 9.7%.
- Support channels: only Unibank offers Phone.
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.
Unibank
Unibank suits savers with drams to lock away who want a high fixed return and no monthly charge. Its 9.7% deposit rate sits well above the 3.08% median, and the account carries a monthly fee of AMD 0.
Licences and countries
| Country | Imon International | Unibank |
|---|---|---|
| Armenia | Not confirmed |
Additional countries for Imon International: 1. Additional countries for Unibank: 1.
If neither fits
Mercado Pago has headline rate at 105%, against 16% for Imon International and 9.7% for Unibank.
Mercado Pago reviewHow they place
| Ranking | Imon International | Unibank |
|---|---|---|
| Savings accounts | 966 of 1420 | 1325 of 1420 |
| Money transfer services | 859 of 1564 | 1383 of 1564 |
| Fixed-rate bonds and CDs | 136 of 188 | 177 of 188 |
Every fact side by side
| Fact | Imon International | Unibank |
|---|---|---|
| Pricing model | No monthly fee, Fixed rate | No monthly fee, Fixed rate |
| Legal entity | Imon International Bank | Unibank OJSC |
| Headquarters | Not confirmed | Armenia |
| Support channels | Community | Phone, CommunityCovers more |
Money transfer
| Fact | Imon International | Unibank |
|---|---|---|
| Transfer fee | Not confirmed | UBPay: 0% for same-currency transfers, 1-2.2% of the amount sent for cross-currency transfers |
| Delivery time | Not confirmed | Same day for AMD transfers submitted before 15:00; within 1-2 banking days for SWIFT currency transfers |
| Payout methods | Not confirmed | Bank, Cash pickup, Card |
| Currencies | Not confirmed | 4 |
| Fee to send 1,000 | Not confirmed | AMD 18,000 |
Where each stands against the rest
| Fact | Imon International | Unibank | Median |
|---|---|---|---|
| Headline rate | 16%highest quarter | 9.7%highest quarter | 3.25% |
| Term | 3 to 24 monthsat the median | 1 to 24 monthsat 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.
Unibank
Pros
- The fixed deposit pays 9.7%, well clear of the 3.08% median for savings accounts on the site.
- The monthly fee is AMD 0, so the cost of holding the account does not eat into the interest.
- Terms run 1 to 24, so a saver can match the length to the money rather than lock everything at once.
Cons
- The minimum deposit is AMD 100,000, which is a real barrier for anyone saving in small monthly sums.
- The account is a fixed deposit of fixed kind, so the money is committed for 1 to 24 and cannot be freed early on demand.
- Support runs on phone and community only, so there is no written help centre or live chat to fall back on when a payment question needs a document.
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.
Unibank
Who it suits
- Savers in Armenia who already hold drams and can fund the minimum deposit in one go
- Anyone comparing fixed deposits against the savings median and wants a rate near the top of the list
- People who send or receive transfers in a small set of currencies and value same day delivery
Who should look elsewhere
- Savers who want to add to the account in small amounts, because the minimum deposit is AMD 100,000
- Readers who need written help centre or live chat support, since support runs on phone and community
- People shopping purely on headline rate, since Plazo ES and AXI Card advertise higher figures on 24.19% and 21.59%
Current offers
Unibank
Current offer
Bonus
Cashback on Payments: 2% cashback
Pay with your ArCa card
Source, checked September 26, 2026
Country by country
| Country | Imon International | Unibank |
|---|---|---|
| Armenia | 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.
Unibank
What rate does Unibank pay on a fixed deposit?+
The headline deposit rate is 9.7% and the rate type is fixed. The median across savings accounts on the site is 3.08%, and Unibank ranks 44 out of 473 brands on headline rate. The account also carries a monthly fee of AMD 0.
How much do I need to put in to open the account?+
The minimum deposit is AMD 100,000, which is above the €0.17 median and the €0 lower quartile for savings accounts on the site. Anyone building a balance gradually will find the threshold the main obstacle, since it has to be met when the deposit is opened.
Other options to compare
Other matchups
Related by the facts
Imon International
Unibank