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Spitamen Bank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Spitamen Bank suits customers in Tajikistan who want a Visa debit card with no monthly charge and no currency markup. The monthly fee is TJS 0 and the currency conversion fee is 0%, a rate that ranks 1 of 259 brands compared. The trade-off is a single market and support by phone and email.

Key facts

Best for
A Visa debit card for everyday spending in Tajikistan with no monthly or currency conversion charge.
Monthly fee
TJS 0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Spitamen Bank Closed Joint Stock Company (Source, checked September 26, 2026)
Headquarters
Tajikistan (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Official website
spitamenbank.tj

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Monthly fee of TJS 0 on the debit card, so holding the account costs nothing extra
  • Currency conversion fee of 0%, ranking 1 of 259 brands on that rate across the site
  • A visa network, so the debit card is accepted wherever Visa cards are taken abroad
  • Direct customer service by phone and email, the two channels listed in phone and email for the bank

Cons

  • Support is limited to phone and email, with no chat or help centre listed for the bank
  • A single market focus, with the bank headquartered in Tajikistan and spending centred there too
  • No multi-currency or virtual card option is listed, only the debit Visa card for the brand
Spitamen Bank

Ready to try Spitamen Bank?

Scored 9.2 / 10 by DebitCue.

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Who it suits

  • Customers resident in Tajikistan who mostly spend their money in a single domestic market
  • Anyone who wants a Visa debit card with no monthly charge and no currency conversion markup
  • People who want a plain current account card and prefer to deal with a local bank

Who should look elsewhere

  • Wise, for readers who want a multi-currency account rather than a single market debit card
  • Varo Believe Secured Credit Card, for anyone after a secured credit card rather than a debit card
  • Chime Card (Secured Visa Credit Card), for anyone who wants a secured Visa credit card instead of a debit card

The company behind it

Spitamen Bank trades as Spitamen Bank Closed Joint Stock Company, is headquartered in Tajikistan and was founded in 2008. It issues the debit card in this profile, with customer service handled by phone and email, the channels listed under phone and email. Its regulator is the National Bank of Tajikistan, the licensing authority recorded for TJ.

How Spitamen Bank compares

Where Spitamen Bank is available

Available
Tajikistan
Licence in Tajikistan
National Bank of Tajikistan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the Spitamen Bank debit card cost each month?+

The monthly fee is TJS 0 on the debit card, so there is no standing charge for keeping the account open. For context, the median monthly fee across the brands on the site is €0, so the card sits in line with the site median.

What does it cost to use the card in another currency?+

The currency conversion fee is 0%, which places Spitamen Bank at 1 among 259 brands compared on that rate. The site median for the same measure is 1%, so the markup here sits at the low end of the range.

Who regulates Spitamen Bank?+

Spitamen Bank is supervised by the National Bank of Tajikistan, the regulator listed for its home market of TJ. The bank trades as Spitamen Bank Closed Joint Stock Company, a closed joint stock company, so the licence sits with a domestic institution.

Is this a debit, prepaid or virtual card?+

It is a debit card on the visa network, so the money comes straight out of the current account rather than a prepaid balance. Debit is the most common card type in the site's comparison set, and Visa the most common network there.

How do I contact customer support?+

Support runs on phone and email, which covers phone and email. Chat and a self-service help centre are not among the listed channels for this bank, so a phone call or an email is the route to answers.

Who does this card suit?+

It fits customers in TJ who spend in a single market and want a Visa debit card with a monthly fee of TJS 0 and a currency conversion fee of 0%. That is a narrow fit, so readers who hold several currencies should weigh Wise or a multi-currency account instead.

How long has the bank been trading?+

The bank was founded in 2008 and trades as Spitamen Bank Closed Joint Stock Company, with its headquarters in Tajikistan. It is a domestic institution, so the card is aimed at customers of that home market rather than a broad international base.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Related by the facts

Spitamen Bank

Spitamen Bank

A Visa debit card for everyday spending in Tajikistan with no monthly or currency conversion charge.

9.2/10See alternatives