Updated September 28, 2026 · VaultCue Editorial Team
Salt Bank vs Unibank deposits
Salt Bank
Higher score in this comparison
Unibank deposits
Salt Bank vs Unibank deposits: the differences
| Compare | Salt BankReviewSee alternativesSee alternatives | Unibank depositsReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5.3% to 5.9% | 7% to 10.5%Higher |
| Term | 3 to 12 months | 3 to 24 monthsHigher |
| Minimum deposit | RON 500 | AZN 500 |
| Access terms | 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 | Withdrawal at maturity or monthly interest payout; premature withdrawal pays 0-25% of the annual rate |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Monthly fee | RON 0 | Not confirmed |
Same on both: Rate type (Fixed), Account kind (Fixed).
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Key differences
- Salt Bank is available in 9 more countries.
- Headline rate is higher at Unibank deposits: 7% to 10.5% vs 5.3% to 5.9%.
- Term is higher at Unibank deposits: 3 to 24 months vs 3 to 12 months.
- Pricing model: only Salt Bank offers No monthly fee, Low FX.
- Pricing model: only Unibank deposits offers Fixed rate.
Our verdict on each
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.
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.
Score breakdown
| Area | Salt Bank | Unibank deposits |
|---|---|---|
| Cost | 9.4Monthly charge of RON 0, conversion of 0% and 0 commission for incoming and outgoing payments in Romania in Romania. | Not confirmed |
| Offer | 9.5HigherA fixed deposit at 5.3% to 5.9% over 3 to 12, under EU DGS up to EUR 100,000. | 9.4 |
| Trust | Not confirmed | 9.5 |
Availability and regulation
| Country | Salt Bank | Unibank deposits |
|---|---|---|
| Azerbaijan | Not confirmed | |
| Romania | Banca Nationala a Romaniei (National Bank of Romania) P.J.R. 40-043 | Not confirmed |
Additional countries for Salt Bank: 10. Additional countries for Unibank deposits: 1.
Cost in a real example
10,000 saved for 12 months
Salt Bank
530 to 590
5.3% to 5.9% of 10,000
Unibank deposits
700 to 1,050
7% to 10.5% of 10,000
Unibank deposits comes out 460 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.
Where they rank in our lists
| Ranking | Salt Bank | Unibank deposits |
|---|---|---|
| Savings accounts | 73 of 1420 | 74 of 1420 |
| Fixed-rate bonds and CDs | 14 of 188 | 15 of 188 |
If neither fits
Amonatbonk has term at 36 months, against 3 to 12 months for Salt Bank and 3 to 24 months for Unibank deposits.
Amonatbonk reviewWhere these facts come from
Salt Bank
- salt.bank: 12 facts, checked September 26, 2026
Unibank deposits
- unibank.az: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Salt Bank | Unibank deposits |
|---|---|---|
| Pricing model | No monthly fee, Low FX | Fixed rate |
| Legal entity | Salt Bank S.A. | UNIBANK Commercial Bank Open Joint-Stock Company |
| Headquarters | Romania | Azerbaijan |
| Founded | Not confirmed | 1992 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Salt Bank | Unibank deposits | Median |
|---|---|---|---|
| Headline rate | 5.3% to 5.9%highest quarter | 7% to 10.5%highest quarter | 3.25 |
| Term | 3 to 12 monthsbelow the median | 3 to 24 monthsat the median | 24 |
Median across 658 listed accounts.
Pros and cons
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.
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
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.
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
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
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
| Country | Salt Bank | Unibank deposits |
|---|---|---|
| Austria | Yes | No |
| Azerbaijan | No | Yes |
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 11 countries where either is available.
Questions about each
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.
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
Related by the facts
Salt Bank
Unibank deposits