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Spitamen Bank review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Spitamen Bank suits people banking in Tajikistan who want a plain card account and keep costs small, rather than anyone holding a long list of currencies. It offers 6 currencies with a monthly fee of TJS 0, and conversion on the card is where the running cost sits.

Key facts

Best for
Everyday card banking in Tajikistan with no monthly charge
Monthly fee
TJS 0↗
Currency conversion fee
1%↗
Currencies
6↗
Transfer fee
0.25%↗
Legal entity
"Spitamen Bank" Closed Joint Stock Company↗
Headquarters
Tajikistan↗
Founded
2008↗
Support channels
Email, Phone↗
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
spitamenbank.tj

Money transfer

Delivery time
From 1 minute↗
Payout methods
Card↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The personal card account has a monthly fee of TJS 0 and free ATM withdrawals
  • Transfers land quickly, with delivery time of From 1 minute on a transfer fee of 0.25%
  • A bank licence from the National Bank of Tajikistan, number 0000001

Cons

  • Covers 6 currencies, against a site high of 350
  • Conversion on the card runs at 1%, above the median of 0.5%
  • Transfers pay out to card only
Spitamen Bank

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Scored 8.8 / 10 by VaultCue.

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Who it suits

  • Residents in Tajikistan who bank mostly in local money
  • People who take cash out often, since free ATM withdrawals are listed for the card
  • Customers who would rather hold a bank licence than an e-money balance

Who should look elsewhere

  • PayPal Colombia, whose monthly fee is $0 as well, if you are not set on holding a bank account in Tajikistan
  • Skrill, whose monthly fee is €0, if you want a prepaid wallet instead of a card with free ATM withdrawals

Who runs it

Spitamen Bank trades as a closed joint stock company headquartered in Tajikistan, and it has been banking since 2008. It is licensed by the National Bank of Tajikistan under number 0000001. The licence is a banking one, so the balance sits with a bank rather than an e-money issuer. Help runs on email and phone for anyone with a card or transfer question.

How Spitamen Bank compares

Where Spitamen Bank is available

Available
Tajikistan
Licence in Tajikistan
National Bank of Tajikistan (0000001), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee on the Spitamen Bank card account?+

The personal card account carries a monthly fee of TJS 0, so holding it costs nothing each month. Everyday spending then rests on conversion, which the card charges at 1%. Free ATM withdrawals are listed for the card, which keeps cash access from adding to the bill.

What does it cost to send money with Spitamen Bank?+

Transfers are charged a transfer fee of 0.25%, and delivery can be From 1 minute. Small payments therefore stay cheap to send, though what you get on the conversion is a separate matter. Money sent out lands on card.

What does currency conversion cost on the card?+

Conversion on the card is charged at 1%, and that rate sits above the site median of 0.5%. With 6 currencies available, frequent conversion is where most of the cost sits. The account itself has a monthly fee of TJS 0, so conversion is the main running cost.

How many currencies can I hold with Spitamen Bank?+

The bank lists 6 currencies, which suits someone dealing mostly in local money. That is far short of the site high of 350, so anyone holding many currencies at once should look at other accounts. The monthly fee of TJS 0 keeps the cost of holding them small.

Who regulates Spitamen Bank?+

Spitamen Bank is licensed by the National Bank of Tajikistan, licence number 0000001. It trades as a closed joint stock company based in Tajikistan, so the account is a bank account rather than a wallet balance. It has been operating since 2008.

How do I get help from Spitamen Bank?+

Support runs on email and phone, so a card or transfer question can go to the bank by email or by phone. The same channels cover the account itself, which has a monthly fee of TJS 0 and free ATM withdrawals listed for the card.

How do I get money out of the account?+

Transfers pay out to card, and free ATM withdrawals are listed among the card features. The everyday routes out are therefore a cash machine or a card payout, and the charge to watch is currency conversion at 1% on the card.

Who is Spitamen Bank for?+

It suits residents of Tajikistan who want a card account with a monthly fee of TJS 0, a transfer fee of 0.25% and free ATM withdrawals. It fits people whose money sits in a single market rather than spread across many currencies, given the 6 on offer. Sending and receiving locally is the straightforward case.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection.

Spitamen Bank

Spitamen Bank

Everyday card banking in Tajikistan with no monthly charge

8.8/10See alternatives