Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Salt Bank
Kaspi.kz
Salt Bank
Higher score in this comparison
What sets them apart
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | Salt BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | RON 0 |
| Transfer fee | Free to other Kaspi clients | 0 commission for incoming and outgoing payments in Romania |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | Not confirmed | 19 |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | RON 900 |
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Key differences
- Salt Bank is available in 9 more countries.
- Support channels: only Salt Bank offers Email.
- Audience: only Kaspi.kz offers Teen, Business.
- Audience: only Salt Bank offers Expats, Travelers.
- Pricing model: only Salt Bank offers Low FX.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
Salt Bank
Salt Bank is built for expats and travellers who bank across Romania and further afield: 19 currencies sit on the same account, local receiving details are iban, and Banca Nationala a Romaniei supervises the bank, with a savings option alongside that pays out at maturity. It scores 7.7 in the comparison.
Score breakdown
| Area | Kaspi.kz | Salt Bank |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly charge of RON 0, conversion of 0% and 0 commission for incoming and outgoing payments in Romania in Romania. |
| Offer | 9.2 | 9.5HigherA fixed deposit at 5.3% to 5.9% over 3 to 12, under EU DGS up to EUR 100,000. |
| Trust | 9.0 | Not confirmed |
How they place
| Ranking | Kaspi.kz | Salt Bank |
|---|---|---|
| Savings accounts | 1032 of 1420 | 73 of 1420 |
| Online banks | 283 of 402 | 17 of 402 |
Every fact side by side
| Fact | Kaspi.kz | Salt Bank |
|---|---|---|
| Audience | Teen, Business | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Free ATM, Digital only | Free ATM, Digital only |
| Legal entity | Kaspi Bank JSC | Salt Bank S.A. |
| Headquarters | Kazakhstan | Romania |
| Founded | 2002 | Not confirmed |
| Support channels | Phone, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Savings
| Fact | Kaspi.kz | Salt Bank |
|---|---|---|
| Headline rate | 15%Higher | 5.3% to 5.9% |
| Rate type | Variable | Fixed |
| Term | Not confirmed | 3 to 12 months |
| Minimum deposit | KZT 1,000 | RON 500 |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | 3, 6 or 12 month terms in RON, EUR or USD; interest paid at maturity to the current account; deposits guaranteed up to EUR 100,000 per depositor by FGDB |
| Account kind | Easy access | Fixed |
Money transfer
| Fact | Kaspi.kz | Salt Bank |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | Not confirmed |
| Payout methods | Bank, Card, Wallet | Not confirmed |
| Fee to send 1,000 | KZT 0 | Not confirmed |
Where each stands against the rest
| Fact | Kaspi.kz | Salt Bank | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | Not confirmed | 19highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
Salt Bank
Pros
- Help is available by email, chat and phone.
- Cash withdrawals come with a free allowance of RON 900.
- Term deposits run in RON, EUR or USD and the interest lands in the current account at maturity.
Cons
- The service is digital only, per free atm and digital only, so there is no branch counter for cash or paperwork.
- Local receiving details are iban only, which limits how money can be received from other markets.
- The fixed deposit needs a minimum of RON 500 and ties the money up for the whole term.
Who each suits
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
Salt Bank
Who it suits
- Expats and travellers named under expats and travelers, who want local and overseas money in the same account.
- Anyone paid in and out in Romania, since 0 commission for incoming and outgoing payments in Romania there.
- Savers who can wait for interest at maturity and collect it in the current account.
Who should look elsewhere
- Not a fee-based decision: Skrill charges €0 a month and eToro £0, so price alone does not separate them.
- Not for people who need UK sort code or US routing numbers for incoming pay, since local details are iban only, the gap to weigh against PayPal Colombia.
Current offers
Salt Bank
Current offer
First period offer
Prima luna este gratuit (first month free): First month of any Salt plan free
Applies to the Salt, Salt Everyday and Salt Premium plans on opening
Source, checked September 26, 2026
Bonus
13-lea salariu (13th salary campaign): An extra salary when you bring your salary to Salt
Source, checked September 26, 2026
Country by country
| Country | Kaspi.kz | Salt Bank |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Kazakhstan | Yes | No |
| Netherlands | No | Yes |
8 of 11 countries where either is available.
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
Salt Bank
What does a Salt Bank account cost?+
The monthly fee is RON 0 and the currency conversion fee is 0%, so there is no monthly or conversion charge to budget for. Payments in and out in Romania run at 0 commission for incoming and outgoing payments in Romania, and cash withdrawals include a free allowance of RON 900. The conversion fee sits at rank 1 among the brands compared.
Is my money protected at Salt Bank?+
Deposits are covered by EU DGS up to EUR 100,000, so a balance up to that limit is repaid by the scheme if the bank fails. The Romanian guarantee fund FGDB guarantees deposits per depositor as well, and the bank answers to Banca Nationala a Romaniei under licence P.J.R. 40-043.
Other options to compare
Other matchups
Related by the facts
Kaspi.kz
Salt Bank