Bank Eskhata review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Bank Eskhata debit cards with virtual card access sit alongside personal, car, secured, BNPL and business borrowing for purchase and home improvement use. It suits households seeking everyday spending access with phone support where fixed account structures cover several borrowing needs.
Key facts
Loans
- APR
- 29%↗
- Loan amount
- TJS 100 to TJS 10,000↗
- Term
- 6 to 24 months↗
- Arrangement fee
- 0 TJS↗
- Funding time
- Decision in 5 minutes, money credited to account immediately↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Tajik citizenship, age 21-63 at loan end, 6 months at current job↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Car, Secured, BNPL, Business↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
Mortgages
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- Google Play
Pros
Pros
- Debit cards with virtual card option for everyday purchases
- Phone support alongside personal, car, secured, BNPL and business borrowing
- Fixed account structure for purchase led borrowing and home improvement plans
Who it suits
- People who want debit access for daily purchases
- Households using several loan types alongside debit use
How Bank Eskhata compares
Frequently asked questions
What type of debit card does Bank Eskhata provide?+
Bank Eskhata provides debit cards for everyday purchase use. The cards include a virtual card option for digital spending. The structure supports purchase led use alongside planned wider borrowing coverage.
Which other products does Bank Eskhata cover?+
Bank Eskhata covers personal, car, secured, BNPL and business loans for purchase purposes. The range supports home improvement use cases alongside everyday card access. Fixed account structures shape the borrowing offer.
Who can apply for Bank Eskhata products?+
Applicants hold Tajik citizenship and meet employment requirements linked to current job tenure. Eligibility also reflects age criteria defined for borrowing. Applicants should check personal circumstances against these requirements before choosing a product.
Which company operates Bank Eskhata?+
Bank Eskhata is operated by OAO Bank Eskhata. (Source, checked September 26, 2026)
Where is Bank Eskhata based?+
Bank Eskhata is based in Tajikistan. (Source, checked September 26, 2026)
When was Bank Eskhata founded?+
Bank Eskhata was founded in 1993. (Source, checked September 26, 2026)
How can I contact Bank Eskhata support?+
Bank Eskhata offers support through Phone. (Source, checked September 26, 2026)
Sources
- eskhata.com checked September 26, 2026
Backs: Headquarters, Loan types
“Head office address: Khujand, 135 Gagarin street”
- eskhata.com checked September 26, 2026
Backs: Audience, Card type, Features, Card network
- eskhata.com/about checked September 26, 2026
Backs: Legal entity, Support channels
“OAO «Bank Eskhata» is one of the most reliable and modern banks of Tajikistan”
- eskhata.com/about/info/requisites checked September 26, 2026
Backs: Founded
“Start of operations: 16 November 1993”
- eskhata.com/depo/profit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
- eskhata.com/events/news/eskhata-bank-k-35-letiyu-nezavisi... checked September 26, 2026
Backs: Fixed period
“up to 120 months (10 years) - loan term”
- eskhata.com/loans/mortgage checked September 26, 2026
Backs: Initial rate, Maximum loan to value, Purpose
“Mortgage: interest rate 16% per annum”
- eskhata.com/loans/online checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Funding time, Lender type, Arrangement fee, Origination fee (%), Use cases
“Amount 100 - 10,000 somoni”
Compiled from 8 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.