Azizi Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Azizi Bank suits savers in Afghanistan who want a known return and can pick their own term, paying 4.5% at a fixed rate. Operating since 2006 as a single market bank, it is stronger on saving than on everyday card spending abroad.
Key facts
Savings
Apps and profiles
Pros and cons
Pros
- Premature withdrawals are allowed, so a balance can come out before the term ends.
- A fixed rate of 4.5% sits above the site median of 3% and near the upper quartile of 4.15%.
- Terms run 3 to 60, so the lock-up can be short or long.
- The account comes with a Mastercard debit card and 4 currencies.
Cons
- The currency conversion fee of 3% sits far above the site median of 1%, and the brand ranks 221 of 258 on it.
- The debit card carries a monthly fee of AFN 15, where bunq charges €0 a month and Wise charges £0 a month.
- Support runs on email and phone only, so there is no chat or help centre option listed.
Who it suits
- Savers in Afghanistan who want a known return and can choose their own term.
- Customers who bank locally and pay day to day with a Mastercard debit card.
- Borrowers after personal or business loans from the same bank.
Who should look elsewhere
- Anyone after a card with no monthly charge, since Wise lists £0 a month and Varo Believe Secured Credit Card lists $0 a month.
- Savers who want a European account, where bunq lists its monthly fee at €0 while Azizi Bank charges in Afghani.
Rates and card terms
The deposit pays 4.5% on a fixed basis, above the site median of 3% and close to the upper quartile of 4.15%. Terms run 3 to 60, longer than the site median of 36. A fixed account means the return does not move with the market during the term, so the rate offered is the rate kept.
How Azizi Bank compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 9.4
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8.7 vs 9.2
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8.7 vs 9.2
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8.7 vs 8.5
8.7 vs 8.8
8.7 vs 9.0
8.7 vs 8.6
8.7 vs 8.3
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8.7 vs 9.4
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8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.8
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8.7 vs 8.5
8.7 vs 8.4
8.7 vs 8.0- 8.7 vs 8.0
Where Azizi Bank is available
- Available
- Afghanistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Azizi Bank pay on the deposit?+
The deposit pays 4.5% at a fixed rate, above the site median of 3% and just under the upper quartile of 4.15%. A fixed account means that return is set for the term and does not shift with market rates.
How long do I have to leave the money in?+
Terms run 3 to 60, so the lock-up is a choice rather than something the bank fixes. The site median term is 36, which makes this range longer at both ends than the typical account. Longer terms suit savers who can leave the balance alone.
Can I take money out before the end?+
Premature withdrawals are allowed, so the balance is not sealed for the whole term. Terms run 3 to 60, so the account suits savers who do not need the cash. Anyone who might need money at short notice should keep the deposit small.
How much is needed to open the account?+
The minimum deposit is AFN 10,000. The site median minimum is €0.88, so the entry amount here is above the typical requirement across the comparison. Savers starting with less would need to build the balance up first, which makes this a product for established balances.
What does the debit card cost?+
The card is a debit card on mastercard and carries a monthly fee of AFN 15. For comparison, bunq lists €0 a month, Wise lists £0 a month and Varo Believe Secured Credit Card lists $0 a month, so card costs here are the highest of the set.
What does it cost to convert currency?+
The currency conversion fee is 3%, well above the site median of 1% and the upper quartile figure of 2.5%. Azizi Bank ranks 221 of 258 on this measure, so anyone spending abroad often pays a real premium on top of the exchange rate.
How do I reach support?+
Support runs on email and phone, so contact is by phone or email. There is no chat or help centre channel listed, which can be a drawback for anyone used to messaging inside an app.
Can I borrow from the same bank?+
Azizi Bank lends directly on personal and business loans, so borrowing sits alongside the deposit at the same bank. That suits anyone consolidating an existing relationship. The savings side still pays 4.5% at a fixed rate, and the deposit minimum of AFN 10,000 applies on its own.
Sources
- azizibank.af checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Premature withdrawals are allowed ... * Minimum amount is not less than AFN 10000 / USD 300”
- azizibank.af/_assets/uploads/files/footer/RatesCharges/AZ... checked September 26, 2026
Backs: Currency conversion fee
“Cross Currency/ Markup Fee ... 3% of Exchange Rate”
- azizibank.af/_assets/uploads/files/footer/RatesCharges/Ma... checked September 26, 2026
Backs: Annual fee, Card kind
“Issue New Card USD 100 - Titanium MasterCard”
- azizibank.af/about checked September 26, 2026
Backs: Founded
“Starting its operations in 2006”
- azizibank.af/contact checked September 26, 2026
Backs: Headquarters, Support channels
“Zanbaq Square Main Road, Kabul, Afghanistan”
- azizibank.af/page/20 checked September 26, 2026
Backs: Currencies, Monthly fee, Card network
“Account can be opened in AFN/ USD/ Euro and GBP - Current Individual Account”
- azizibank.af/page/30 checked September 26, 2026
Backs: Card type
“Azizi Bank proudly offers its Local Debit Card (AfPay-Debit Card) - Current Individual Account”
- azizibank.af/page/33 checked September 26, 2026
Backs: Lender type, Loan types
“Azizi Bank's Credit Department has started its activities as an important section since the establishment of the bank. This department covers both fund based & non fund based facilities and extends...”
- azizibank.af/page/39 checked September 26, 2026
Backs: Legal entity
“This website https://www.azizibank.af is owned and operated by Azizi Bank Limited”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Azizi Bank
Savers in Afghanistan who can lock money away for a term they choose.