Updated September 28, 2026 · VaultCue Editorial Team
Taishin Richart vs Unibank
Taishin Richart
Higher score in this comparison
Unibank
What sets them apart
| Compare | Taishin RichartReviewSee alternativesSee alternatives | UnibankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | NT$0 | AMD 0 |
| Currencies | 13Higher | 4 |
| Transfer fee | 5 free interbank TWD transfers and 5 free interbank withdrawals monthly, then Taishin Bank tariff fees | UBPay: 0% for same-currency transfers, 1-2.2% of the amount sent for cross-currency transfers |
| Currency conversion fee | 0% | Not confirmed |
| Free ATM withdrawals | NT$5 | Not confirmed |
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Key differences
- Currencies is higher at Taishin Richart: 13 vs 4.
- Support channels: only Taishin Richart offers Email, Help centre.
- Support channels: only Unibank offers Community.
- Pricing model: only Taishin Richart offers Low FX.
- Pricing model: only Unibank offers Fixed rate.
Our verdict on each
Taishin Richart
Taishin Richart suits expats, travelers and businesses based in Taiwan who hold several currencies and want to move money without a monthly charge. The currency conversion fee of 0% and 13 currencies carry the case, and the fixed rate of 3.5% rewards balances left in the right sub-account.
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.
Score breakdown
| Area | Taishin Richart | Unibank |
|---|---|---|
| Cost | 9.6Monthly fee of TWD 0 and a currency conversion fee of 0%, with free interbank transfers and withdrawals inside the monthly allowance. | Not confirmed |
| Offer | 9.4A 13 currency account, a fixed headline rate of 3.5% and a minimum deposit of TWD 0. | Not confirmed |
| Trust | 8.4 | Not confirmed |
How they place
| Ranking | Taishin Richart | Unibank |
|---|---|---|
| Savings accounts | 310 of 1420 | 1325 of 1420 |
| Money transfer services | 235 of 1564 | 1383 of 1564 |
| Fixed-rate bonds and CDs | 64 of 188 | 177 of 188 |
Every fact side by side
| Fact | Taishin Richart | Unibank |
|---|---|---|
| Audience | Expats, Travelers, Business, Student, Teen | Not confirmed |
| Pricing model | No monthly fee, Low FX | No monthly fee, Fixed rate |
| Features | Free ATM, Digital only | Not confirmed |
| Legal entity | Taishin International Commercial Bank Co., Ltd. | Unibank OJSC |
| Headquarters | Taiwan | Armenia |
| Founded | 2016 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Community |
Savings
| Fact | Taishin Richart | Unibank |
|---|---|---|
| Headline rate | 3.5% | 9.7%Higher |
| Rate type | Fixed | Fixed |
| Term | Not confirmed | 1 to 24 months |
| Minimum deposit | NT$0 | AMD 100,000 |
| Access terms | 5 free interbank withdrawals and 5 free interbank transfers per month; funds must be transferred into the preferential sub-account to earn the preferential rate | Not confirmed |
| Account kind | Easy access | Fixed |
Money transfer
| Fact | Taishin Richart | Unibank |
|---|---|---|
| Delivery time | Not confirmed | Same day for AMD transfers submitted before 15:00; within 1-2 banking days for SWIFT currency transfers |
| Payout methods | Bank | Bank, Cash pickup, CardCovers more |
| Fee to send 1,000 | Not confirmed | AMD 18,000 |
Where each stands against the rest
| Fact | Taishin Richart | Unibank | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | 13above the median | 4below the median | 5 |
Median across 536 listed accounts.
Pros and cons
Taishin Richart
Pros
- A monthly fee of TWD 0 on the account, with a minimum deposit of TWD 0
- A currency conversion fee of 0%, ranked 1 of 312 brands on that measure
- Free interbank withdrawals and transfers up to the monthly allowance of TWD 5
Cons
- Support runs on phone, email and help centre only, so help is remote rather than over a counter
- The preferential rate needs funds held in the preferential sub-account, so money sitting elsewhere earns less
- Ranked 82 of 379 brands on currency count, so it holds a mid-range list rather than a deep one
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
Taishin Richart
Who it suits
- Expats and long stays in Taiwan who need 13 currencies in one place
- Businesses and freelancers paid into Taiwan from abroad, given the 0% conversion fee
- Anyone who wants an account with a TWD 0 monthly fee and a TWD 0 minimum deposit
Who should look elsewhere
- PayPal Colombia or Skrill, if receiving money through a wallet matters more than holding a bank balance
- Plazo ES, if a savings pot with its own app is the goal rather than a multi currency current account
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
Taishin Richart
Current offer
Discount code
Taishin posted exchange rate directly reduced (Richart rate concession): USD -3 cents, JPY -0.07 cents, EUR -6 cents, CNY -0.4 cents, HKD -1 cent, GBP -8 cents, AUD -3 cents
Richart channel currency exchange; other currencies 40% of (posted rate minus mid rate) discount; until 2027-01-04
Source, checked September 26, 2026
Unibank
Current offer
Bonus
Cashback on Payments: 2% cashback
Pay with your ArCa card
Source, checked September 26, 2026
Country by country
| Country | Taishin Richart | Unibank |
|---|---|---|
| Armenia | No | Yes |
| Taiwan | Yes | No |
Questions about each
Taishin Richart
What does Taishin Richart cost to keep open?+
The monthly fee on the account is TWD 0, and there is no minimum deposit barrier: the minimum deposit is TWD 0. That monthly fee matches the site median of €0 and sits at the bottom of a range that extends to €449. The account is a cheap one to hold open.
Are there fees on currency conversion?+
The currency conversion fee is 0%, which is the sharpest number on the account. It ranks 1 of 312 brands on that measure, and it matches the lowest figure seen across the site at 0%. The site median is 0.5%, so converting here costs well under a typical account.
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.
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Taishin Richart
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