Alif review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Alif suits customers who want fee-free everyday banking, easy access to savings and fixed-rate borrowing options. Its Visa Gold debit card has a monthly fee of TJS 0 and an annual fee of TJS 0, while the Maqsad deposit pays a fixed headline rate of 10% to 11%.
Key facts
- Best for
- Customers seeking fee-free debit banking, accessible savings and purchase-focused mortgage options.
- Annual fee
- TJS 0↗
- Rewards type
- None↗
- Legal entity
- OJSC Alif Bank↗
- Headquarters
- Tajikistan↗
- Founded
- 2014↗
- Support channels
- Email, Phone↗
- Pricing model
- No annual fee
- Features
- Multi-currency, Travel
- Official website
- alif.tj
Savings
Mortgages
Facts checked September 26, 2026, 8 sources
Pros and cons
Pros
- The Visa Gold debit card charges a monthly fee of TJS 0 and an annual fee of TJS 0.
- Maqsad allows withdrawals at any time without limit, alongside unlimited top-ups.
- Interest is paid monthly and can be withdrawn without limit.
- The Visa Gold debit card supports 3 currencies and has multi-currency and travel features.
Cons
- The Visa Gold card offers no rewards, as its rewards type is none.
- The free ATM withdrawal allowance is TJS 0.
- Customer support is available through email and phone only.
Who it suits
- Customers who want a multi-currency Visa debit card without annual or monthly fees.
- Savings customers who want unrestricted withdrawals and monthly interest payments.
- Borrowers seeking purchase-focused mortgage options with a fixed period.
Who should look elsewhere
- bunq may suit customers who want rewards, because Alif's Visa Gold rewards type is none.
- Wise may suit customers prioritising free ATM withdrawals, while Alif's free ATM allowance is TJS 0.
- Varo Believe Secured Credit Card may suit borrowers seeking a secured credit-building card rather than Alif's Visa Gold debit card.
Who runs it
Alif is operated by OJSC Alif Bank and is headquartered in Tajikistan. The bank was founded in 2014. Customers can contact it through email and phone. Its listed products include a Visa Gold debit card, Maqsad savings and Khona purchase-focused mortgage lending.
How Alif compares
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Where Alif is available
- Available
- Tajikistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What fees does the Alif Visa Gold debit card charge?+
The Visa Gold debit card charges a monthly fee of TJS 0 and an annual fee of TJS 0. Its model is described as having no annual fee. The listed card also provides multi-currency and travel features.
Can I access my Maqsad savings whenever I want?+
You can withdraw all or part of a Maqsad balance at any time without limit. The account also allows unlimited top-ups, so the deposit is designed for flexible additions and withdrawals rather than restricted access.
How are interest payments handled on Maqsad?+
Interest is paid monthly from the first to the third day of the following month. It can be withdrawn without limit. The account has a fixed rate type and a headline rate of 10% to 11%.
What kind of card does Alif offer?+
Alif's listed card is a debit card on the Visa network. It supports 3 currencies and includes multi-currency and travel features, but its rewards type is none.
What is the minimum deposit for Maqsad?+
The minimum deposit for Maqsad is TJS 1. The deposit has a term of 12 and a fixed rate type, while withdrawals remain available at any time without limit.
Who can contact Alif for support?+
Alif offers support through email and phone. The listed support channels are email and phone, giving customers a choice between written enquiries and direct phone contact.
What mortgage options does Alif offer?+
Alif's Khona mortgage product is intended for purchase and has a fixed period of 1 to 8. Its initial rate is 20%, and the maximum loan to value is 70%.
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.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
“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
- alif.tj/ru/khona checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Purpose
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
Alif
Customers seeking fee-free debit banking, accessible savings and purchase-focused mortgage options.