Dayhanbank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Dayhanbank is Turkmenistan’s state commercial bank known for pledge backed lending with secured loan applications. It suits applicants seeking national bank borrowing and legal entities needing interbank services, with mobile access supporting everyday connections to its loan and banking offer.
Key facts
Loans
- APR
- 1% to 8%↗
- Loan amount
- TMT 20,000 to TMT 300,000↗
- Arrangement fee
- 3% of the loan amount for consumer purpose loans issued in cash; 1% for the same loans issued non-cash↗
- Lender type
- Direct lender↗
- Eligibility
- Individuals resident in Turkmenistan apply with a written loan request, identity document, residence and family status certificate, employment income certificate, guarantor consent and guarantor passports, and pledge ownership documents↗
- Origination fee (%)
- 1% to 3%↗
- Loan types
- Personal, Secured, Credit-line↗
- Use cases
- Home-improvement↗
- Features
- Credit line
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Operates as a state commercial bank in Turkmenistan.
- Provides loan applications centred on pledge backed security.
- Offers mobile access under the Dayhanbank mobile name.
- Serves legal entities with dedicated interbank banking services.
Cons
- Maintains a domestic focus centred on Turkmenistan with limited international scope.
- Centres loan security on pledge backing, which limits flexibility for unsecured needs.
Who it suits
- Applicants seeking pledge backed loans from a national bank
- Legal entities needing interbank banking services
Who should look elsewhere
- Applicants based outside Turkmenistan
How Dayhanbank compares
Where Dayhanbank is available
- Available
- Turkmenistan
- Licence in Turkmenistan
- Central Bank of Turkmenistan, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Dayhanbank?+
Dayhanbank is the state commercial bank of Turkmenistan operating under the Daýhanbank name. It provides borrowing applications alongside banking services for different customer groups. Mobile access supports wider customer connections to its national banking offer.
Which countries does Dayhanbank serve?+
Dayhanbank serves Turkmenistan through its state commercial banking structure built around national banking activity. Its focus covers national institutions, domestic customers and legal entities seeking structured banking support. Coverage remains centred on domestic needs within Turkmenistan alone.
Which borrowing and banking products does Dayhanbank cover?+
Dayhanbank covers loan applications structured around pledge security for borrowing needs. It also provides interbank services intended for legal entities. Together these form a broad national offer centred on secured borrowing and institutional banking support.
Which company operates Dayhanbank?+
Dayhanbank is operated by State Trade Bank "Dayhanbank" of Turkmenistan. (Source, checked September 26, 2026)
Where is Dayhanbank based?+
Dayhanbank is based in Turkmenistan. (Source, checked September 26, 2026)
When was Dayhanbank founded?+
Dayhanbank was founded in 1995 to 1999. (Source, checked September 26, 2026)
How can I contact Dayhanbank support?+
Dayhanbank offers support through Phone. (Source, checked September 26, 2026)
Sources
- dayhanbank.gov.tm/page/1/bank-barada checked September 26, 2026
Backs: Founded
“1995-nji ýylyň 10-njy martynda ýörite karar bilen öňki Agrosenagat bankynyň edaralarynyň binýadynda Daýhanbanky döredildi ... 1999-njy ýylyň 1-nji ýanwarynda Türkmenistanyň "Daýhanbank" döwlet...”
- dayhanbank.gov.tm/page/21/nyrhnamalar checked September 26, 2026
Backs: Account kind, Features, Arrangement fee, Origination fee (%)
“Nagt däl görnüşinde goýum hasabyna gelen pul serişdelerini nagt görnüşinde bermek (savings account, clause 6.2)”
- dayhanbank.gov.tm/page/7/sahsy-taraplar checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Lender type, Loan types, Term, Use cases
“Sarp ediş maksatly karzlary ... 100 000 manatdan ýokary bolmadyk möçberinde; Ýaş maşgalalara öý-goş satyn almak üçin karz ... 20 000 manada çenli; Kiçi göwrümli (maldarçylyk üçin) karzlar ... 300 000...”
- dayhanbank.gov.tm checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Bitarap Türkmenistan şaýoly 465 j, Aşgabat, Türkmenistan”
- cbt.tm/tm/hyzmatlar.html checked September 26, 2026
Backs: Licences
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Minimum deposit, Deposit protection.