Updated September 28, 2026 · SumCue Editorial Team
AMIO Bank vs Optima Bank
AMIO Bank
Optima Bank
Higher score in this comparison
What sets them apart
| Compare | AMIO BankReviewSee alternativesSee alternatives | Optima BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 9.75% | 12.5%Higher |
| Term | 1 to 36 monthsHigher | 3 to 18 months |
| Minimum deposit | AMD 30,000 | KGS 1,000 |
| Access terms | Time deposit 31-1095 days (AMD, USD), 31-730 days (EUR, RUB); auto-prolonged to demand deposit at maturity | Top-ups allowed (stopped 30 days before term end), partial withdrawal not available; interest paid monthly and/or at maturity; deposit insured up to 1,000,000 KGS |
| Monthly fee | Not confirmed | KGS 0 |
Same on both: Rate type (Fixed), Account kind (Fixed).
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Key differences
- Optima Bank scores higher overall: 9.3 vs 9.2.
- Founded is lower at AMIO Bank: 1991 vs 1992.
- Headline rate is higher at Optima Bank: 12.5% vs 9.75%.
- Term is higher at AMIO Bank: 1 to 36 months vs 3 to 18 months.
- Support channels: only Optima Bank offers Help centre.
Our verdict on each
AMIO Bank
AMIO Bank suits savers in Armenia who want a high fixed return and can leave their money in place. Its time deposit pays a headline rate of 9.75%, while a AMD 30,000 minimum makes it less suitable for small balances or savers who need easy access.
Optima Bank
Optima Bank is a Kyrgyz direct lender whose fixed deposit pays a 12.5% headline rate, well above the 3% site median. It suits savers in Kyrgyzstan who can commit to a term of 3 to 18 and want insured deposits, though early access to the money is limited.
Score breakdown
| Area | AMIO Bank | Optima Bank |
|---|---|---|
| Offer | 8.9The fixed-rate time deposit pays a headline rate of 9.75%, with terms of 1 to 36. | 9.2HigherFixed deposit at 12.5% plus direct lending at 22% to 29.02% with funding from from 5 minutes. |
| Trust | 9.4 | 9.4 |
Choosing between them
Pick AMIO Bank if term matter most.
Pick Optima Bank if offer and headline rate matter most.
If neither fits
DKB has term at 12 to 120 months, against 1 to 36 months for AMIO Bank and 3 to 18 months for Optima Bank.
DKB reviewWhat we checked
AMIO Bank
- amiobank.am: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Optima Bank
- optimabank.kg: 12 facts, checked September 26, 2026
How they place
| Ranking | AMIO Bank | Optima Bank |
|---|---|---|
| Savings | 250 of 1492 | 225 of 1492 |
| Fixed-rate bonds and term deposits | 42 of 199 | 37 of 199 |
| Loans | 389 of 2043 | 347 of 2043 |
| Personal loans | 346 of 1317 | 314 of 1317 |
| Mortgages | 167 of 853 | 144 of 853 |
| Credit and debit cards | 287 of 1594 | 257 of 1594 |
| Debit cards | 179 of 826 | 157 of 826 |
Every fact side by side
| Fact | AMIO Bank | Optima Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | "AMIO BANK" CJSC | Optima Bank Open Joint-Stock Company |
| Headquarters | Armenia | Kyrgyzstan |
| Founded | 1991Lower | 1992 |
| Support channels | Phone, Email | Phone, Email, Help centreCovers more |
Loans
| Fact | AMIO Bank | Optima Bank |
|---|---|---|
| APR | 16%Lower | 22% to 29.02% |
| Loan amount | up to AMD 15,000,000 | KGS 10,000 to KGS 300,000 |
| Funding time | within 1 minute | from 5 minutes |
| Representative example | Not confirmed | ТЕЗ instant loan: effective annual interest rate 29.02% |
| Features | Same day funding | Rewards |
| Lender type | Direct lender | Direct lender |
| Eligibility | Not confirmed | Passport of a Kyrgyz Republic citizen, age from 21, officially paid taxes to the Social Fund of the Kyrgyz Republic, no collateral required |
| Loan types | Personal, Secured, Credit line, Debt consolidationCovers more | Personal |
Mortgages
| Fact | AMIO Bank | Optima Bank |
|---|---|---|
| Initial rate | 13.4%Lower | 19% |
| APRC | Not confirmed | 20.74% |
| Fixed period | 30 yearsHigher | 0.25 to 7 years |
| Maximum loan to value | Not confirmed | 70% |
| Product fee | AMD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Credit cards
| Fact | AMIO Bank | Optima Bank |
|---|---|---|
| Annual fee | Not confirmed | KGS 0 |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | up to 10% bonuses on fuel, 5% on cafes and taxi, 1.5% on supermarkets |
| Perks | Not confirmed | Free ATM withdrawals up to 100000 KGS per month |
| Audience | Not confirmed | Kids |
Debit cards
| Fact | AMIO Bank | Optima Bank |
|---|---|---|
| Free ATM withdrawals | Not confirmed | KGS 100,000 |
| Card type | Debit | Debit |
| Cashback rate | Not confirmed | 10% |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | AMIO Bank | Optima Bank | Median |
|---|---|---|---|
| Headline rate | 9.75%highest quarter | 12.5%highest quarter | 3.3% |
| Term | 1 to 36 monthsbelow the median | 3 to 18 monthslowest quarter | 60 |
| Monthly fee | Not confirmed | KGS 0at the median | KGS 0 |
Median across 710 listed providers.
Pros and cons
AMIO Bank
Pros
- The time deposit offers a competitive headline rate of 9.75%.
- The account uses a fixed rate, with terms of 1 to 36.
- AMIO Bank is regulated by the Central Bank of Armenia.
Cons
- A minimum deposit of AMD 30,000 puts the account beyond the reach of some small savers.
- Access terms vary by currency, and the deposit is automatically prolonged to a demand deposit at maturity.
Optima Bank
Pros
- A 12.5% headline rate on a fixed deposit, well clear of the 3% median across the savings listings on this site.
- The deposit is insured up to a stated cap, and interest can be paid monthly and at maturity, so returns arrive while the money is still in place.
- The monthly card fee is free, and withdrawals stay free up to KGS 100,000, which makes the everyday running costs close to nothing.
Cons
- Partial withdrawal is not among the access terms listed, which cover top-ups, interest paid monthly and at maturity, and deposit insurance, so money paid in is held for the full 3 to 18 term.
- Top-ups close a set period before the 3 to 18 term ends, which limits adding money in the last stretch of the account.
- The credit side runs at an APR of 22% to 29.02%, above the 15.5% median across the site.
Who each suits
AMIO Bank
Who it suits
- Savers in Armenia who want a fixed return rather than a variable rate.
- People who can place AMD 30,000 and keep the money deposited through the selected term.
- Customers comfortable choosing a time deposit that becomes a demand deposit at maturity.
Who should look elsewhere
- Savers wanting a lower entry balance than Wise and bunq.
- People who need immediate access throughout the deposit term.
- Customers focused on everyday interest rather than AMIO Bank's headline rate of 9.75%.
Optima Bank
Who it suits
- Savers in Kyrgyzstan who can commit to a 3 to 18 term and want a fixed rate held for the whole period.
- Parents building savings for children, the audience the bank lists as kids.
- Borrowers in Kyrgyzstan who hold a passport, pay taxes into the Social Fund and want lending with no collateral required.
Who should look elsewhere
- Finteres, if you want a savings rate you can join and leave without a lock in, because this deposit runs 3 to 18 and offers no partial withdrawal.
- bunq, if you want an easy access balance rather than a fixed deposit tied to a 3 to 18 term.
- Wise, if cheaper borrowing matters more to you than the deposit, because this bank's own credit is priced at 22% to 29.02%.
Current offers
AMIO Bank
Current offer
Bonus
Investment opportunity from Amio bank (news item dated 18.09.2026): 9.5% yield
Source, checked September 26, 2026
Optima Bank
Current offer
Country by country
| Country | AMIO Bank | Optima Bank |
|---|---|---|
| Armenia | Yes | No |
| Kyrgyzstan | No | Yes |
Questions about each
AMIO Bank
What rate does AMIO Bank offer?+
The fixed-rate time deposit has a headline rate of 9.75%. This is the main feature separating it from the listed alternatives, whose headline-rate references are lower.
What type of account is this?+
It is a fixed-rate time deposit, with a fixed rate and terms of 1 to 36. The account kind is fixed, so the return is presented for a defined period rather than as a flexible balance.
Optima Bank
What rate do I get, and can it change during the term?+
The deposit pays a 12.5% headline rate and the rate type is fixed. That means the figure is agreed when the account is opened and it holds for the life of the term, which runs 3 to 18. For scale, the median headline rate across the savings listings on this site is 3%.
How much do I need to open the deposit?+
The minimum deposit is KGS 1,000, so the entry point stays small even at a high headline rate. You then pick from a term of 3 to 18 to match how long the money can be left in place. Top-ups are allowed during the term, which lets a balance be built up over time instead of committed all at once.
Other options to compare
Related by the facts
AMIO Bank
Optima Bank