Savings account

Free access to your money and guaranteed interest income

The savings account is designed to increase your income with unlimited access to your funds.

Convenient terms and special benefits

Replenish your deposit by any amount throughout the entire deposit period.

  • Special benefit
    Loan Repayment: You have the option to use the funds in your savings account to repay loans with FINCA. This feature provides added flexibility and convenience for your loan repayment.

  • Steady income

    Get a stable income:

    • for individuals, in Somoni — from 4 to 10% per annum
    • for legal entities, in Somoni — from 2 to 6% per annum
    • for individuals in US Dollars — from 0.5 to 3% per annum

  • Accessible Account
    Opening an account is easy and requires only a small initial deposit of 10 TJS. Account holders can withdraw funds from their deposit without any restrictions or limitations, ensuring easy access to their money whenever needed.

  • Interest Capitalization
    The interest earned on the deposit is compounded, meaning it’s added to the principal amount, resulting in accelerated growth of the account balance over time. This feature helps enhance the overall value of the deposit.

  • State-Insured Deposits
    Customers can feel secure knowing that their deposits are backed by the state Deposit Insurance Fund, providing protection and assurance against potential financial risks.

Seamless account opening

Easily qualify and open an account by completing a simple online application, ensuring a straightforward process.

  • Accessible Saving
    Customers can start their savings journey with a minimal deposit of 10 somoni, promoting financial inclusion by making it accessible to everyone, regardless of their financial situation.

  • Flexible Saving Period
    The account offers unlimited flexibility in terms of the deposit period, allowing customers to tailor their savings to match their financial goals and timeline. This feature enables customers to save according to their unique needs and circumstances.

  • Maximize Returns
    Through interest capitalization, all accrued interests are added to the principal amount, maximizing returns on the savings account. This approach contributes to the growth of the savings over time, helping customers achieve their financial objectives more efficiently.

Deposit Calculator

Calculate

* The following calculation is informative and may change slightly.

Unlock the “Savings” account in a few steps

Watch your money work for you

  • 1

    Complete the online application form.

  • 2

    Expect a call from our call-center operator to verify your identity and schedule a branch visit.

  • 3

    Visit our branch at the scheduled time with your passport.

  • 4

    Sign the contract and make the initial deposit.

Start your application

Applying is a straightforward and convenient process.


 

Helpful Information

Frequently Asked Questions

A “Savings Account” is a secure method for setting aside money for unexpected expenses. You can continually add funds to the account and easily withdraw them when needed.

This product is accessible to individuals who fulfill the basic eligibility requirements, such as reaching the legal age and possessing a valid ID.

You can initiate the process by visiting any of our branches or registering online through our website. Our courteous staff will guide you through the procedure.

You will need a valid identification document (ID), proof of address, and the initial deposit amount.

There might be nominal fees linked to specific transactions, like withdrawals or account closures. Please consult the product terms and conditions for further information.

Yes, you can withdraw your deposit before the maturity date. However, please note that in such cases, the interest will be recalculated at a rate of 1.5% from the total amount.

You only need to provide your passport and Taxpayer Identification Number (TIN).

Formula for calculating deposits:

I = P * i * n/T

Where:

I is the amount of interest for n days;
P is the amount of the deposit (principal amount) on which interest is accrued;
i is the interest rate (rounded to two decimal places) according to the terms of the agreement;
n is the number of days for which interest on the deposit is accrued;
T is the number of days in a year (360 days).

Interest on deposits is paid in the following order:

  • Monthly;
  • on the day of return of the deposit (after the end of the deposit placement period);
  • withdrawal of the deposit or part of the deposit on the day before the established term (based on the application to the client for return of the deposit, part of the deposit).

Payment of accrued interest on the deposit is made in the manner and within the timeframes established by the Agreement, and may be made:
a) non-cash transfer of the deposit amount and accrued interest to the Client’s savings, card or current account opened with FINCA LLC.
b) if the day of interest payment falls on a non-working day, the interest payment falls on the first working day after the day of sale.

Last updated on: April 17, 2025

We are always happy to talk!

Request a callback.