Alif Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Alif Bank suits people banking in Tajikistan who want a paid card with a high deposit rate and easy access to their money. Its Maqsad deposit pays a fixed 10% to 11% and its Visa Gold debit card carries a monthly fee of TJS 0 and an annual fee of TJS 0.
Key facts
- Best for
- Tajik-based savers who want a high fixed rate and a no-cost multi-currency debit card.
- Monthly fee
- TJS 0↗
- Free ATM withdrawals
- TJS 0↗
- Card type
- Debit↗
- Cashback rate
- 10%↗
- Card network
- Visa↗
- Currencies
- 3↗
- Legal entity
- OJSC Alif Bank↗
- Headquarters
- Tajikistan↗
- Founded
- 2014↗
- Support channels
- Email, Phone↗
- Features
- Multi-currency, Travel
- Official website
- alif.tj
Savings
Pros and cons
Pros
- Maqsad pays a fixed 10% to 11%, and you can draw your balance down or top it up as and when you want
- Monthly fee of TJS 0 and annual fee of TJS 0 on the Visa Gold debit card
- Multi-currency and travel features, holding 3 currencies on one card
- You can top up without limit and interest is paid monthly from the first to the third of the following month
Cons
- The card pays no rewards, so none on spending
- The free ATM allowance is TJS 0, so cash withdrawals may be charged
- Support runs on email and phone only, with no live chat listed
Who it suits
- People resident in Tajikistan who want a fixed deposit rate above the site median of 3%
- Holders who keep several currencies and want a single Visa card for travel
- Anyone who wants to add to a deposit regularly rather than lock a lump sum
Who should look elsewhere
- People who want cash back or points on card spending, as the rewards are none
- Customers needing live chat, since support runs on email and phone
- Anyone banking mainly outside Tajikistan, as the account is with OJSC Alif Bank
How Alif Bank compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.4
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Where Alif Bank is available
- Available
- Tajikistan
- Licence in Tajikistan
- National Bank of Tajikistan, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Maqsad deposit pay?+
Maqsad pays a fixed 10% to 11%, which sits well above the site median of 3%. The rate type is fixed and the term is 12. Interest is credited monthly, from the first to the third of the following month.
Can I withdraw my money early?+
Yes. You can withdraw all or part of the balance at any time without limit, and you can add money without limit too. The account kind is fixed, so it behaves more like an easy-access pot than a locked term deposit even though the rate is fixed.
How much does the Alif Bank Visa Gold card cost?+
The monthly fee is TJS 0 and the annual fee is TJS 0, and the model is listed as no annual fee. The card type is debit on the visa network, with multi-currency and travel features and 3 currencies supported.
Does the card earn any rewards?+
No. Rewards on the card are none, so there is no cash back or points scheme on everyday spending. If rewards matter more than a high deposit rate, a cash back card is the better fit.
Are my deposits protected?+
Alif Bank is regulated by the National Bank of Tajikistan, which is the licence held for the Tajik market. The deposit itself sits with OJSC Alif Bank, a bank rather than a platform, and the site tracks 1,336 licensed providers.
How much cash can I take out of ATMs?+
The free ATM allowance on the card is TJS 0, against a site median of €0 and an upper quartile of €65.81. Plan for charges on any withdrawal beyond what the card includes.
How do I contact Alif Bank?+
You can reach the bank on email and phone, with a Dushanbe office and an email channel. Live chat is not listed among the support channels, so phone or email is the practical route for questions.
Who is this account for?+
It fits residents of Tajikistan who want a high fixed rate and the flexibility to withdraw without limit. Those banking mainly in the UK or Europe are better served by a euro or sterling provider, since the entity behind the account is OJSC Alif Bank.
Sources
- alif.tj/applepay/mastercard checked September 26, 2026
Backs: Cashback rate
“Up to 10% cashback with Apple Pay - Visa Gold with Mastercard Alif card”
- alif.tj/bank/about-us checked September 26, 2026
Backs: Founded
“Alif started its activity in 2014 - Visa Gold retail card”
- alif.tj/bank/contacts/offices/dushanbe checked September 26, 2026
Backs: Headquarters, Support channels
“Head office: Dushanbe, Bahovuddinov st. 9 - Visa Gold retail card”
- alif.tj/bank/documents checked September 26, 2026
Backs: Legal entity, Licences
“Charter of OJSC Alif Bank; state registration certificate of OJSC Alif Bank”
- alif.tj/cards checked September 26, 2026
Backs: Free ATM withdrawals
“Visa Gold: free cash withdrawal from ATM and cash desk”
- alif.tj/cards/visa/gold checked September 26, 2026
Backs: Annual fee, Card type, Currencies, Features, Pricing model, Monthly fee, Card network, Rewards type
“Visa Gold debit card for payment and transfers”
- alif.tj/deposit/maqsad checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
Alif Bank
Tajik-based savers who want a high fixed rate and a no-cost multi-currency debit card.