Client's rights

Each client of CJSC International Bank of Tajikistan has the right to file a complaint/complaint regarding the quality of the bank's service. Your complaints/complaints will benefit the further development of the bank's activities and improve the quality of service Provision for the consideration of customer complaints of CJSC International Bank of Tajikistan.

Information on the procedure for receiving and reviewing consumer complaints

The procedure for receiving and considering consumer complaints in CJSC International Bank of Tajikistan is based on the Law of the Republic of Tajikistan "On Appeals from Individuals and Legal Entities". Consideration of all complaints and claims of clients within the time limits established by the Law of the Republic of Tajikistan "On Appeals of individuals and Legal Entities" is considered by officials of CJSC International Bank of Tajikistan.

All complaints are considered within 30 (thirty) days, but complaints that do not require additional study and research are considered within 15 (fifteen) days from the date of registration. In exceptional cases, the Bank has the right to extend the period for consideration of complaints for a period not exceeding 30 (thirty) calendar days, having previously notified the applicant within 3 (three) business days.

Information on the procedure for submitting consumer applications, including the subject of the complaint (inaction) employees of a financial institution, indicating information for communication (phone number, address, full name) with responsible persons of the bank, to whom consumers can contact in order to protect their rights, CJSC International Bank of Tajikistan accepts customer statements (complaints) in written and oral form.

Written complaints include:

Complaints and appeals received in paper (manual or electronic) form, as well as in person and/or by mail;

Complaints and appeals to the official e-mail of the Bank; Placement of a complaint or appeals in the complaint book of the Bank's structural divisions;

Complaints on the official website of the Bank; Complaints and complaints on social networks, that is, on the pages or pages of the Bank where the Bank is registered.

Oral complaints include:

Telephone complaints to the Bank's Contact Center;

On the days of the reception of the Bank's management (Chairman of the Management Board, Branch Directors and Head of the Bank's Operations Department)

It should be noted that the International Bank of Tajikistan CJSC has a separate structure responsible for reviewing customer complaints and claims, the Complaints Department.

The procedure for contacting the structure responsible for receiving and reviewing customer complaints at CJSC International Bank of Tajikistan:

Responsible person for reviewing customer complaints and claims: Toshmukhamedova Nigora

Address: Dushanbe, Bukhoro str. 27 (Head office of the bank) Phone: 1155 or (44) 625 77 77;


Thank you for contacting us!


(+992 44) 625-77-77 1155


Information Transfer Terms

I agree for the Bank to process all my personal data specified in the contract by any means, including third parties, reproduction, electronic copying, depersonalization, blocking, destruction, as well as the above processing of my other personal data obtained as a result their processing, with the aim of:

  • conclusion of a universal agreement with the Bank;
  • issuing, servicing bank cards;
  • creating information systems for personal data of the Bank;
  • insurance of my life / health / property and other insurance carried out with the assistance of the Bank or in favor of the Bank and / or in connection with the conclusion of the contract;
  • as well as for any other purposes directly or indirectly related to the issue and maintenance of bank cards and the offer of other products of the Bank, and sending me information about new products and services of the Bank and / or its counterparties.

I agree for the Bank’s counterparties to process all my personal data available to the Bank and / or the Bank’s counterparties, including for the purpose of informing me about the services of the counterparties, as well as to the processing of information about subscribers and the communication services rendered to them (in case of if the Bank’s counterparty is a telecom operator) in order to assess the likelihood of my solvency in the future to decide on the issue of a credit card.

This agreement is given for a period of 15 years, and in the event of its withdrawal, the processing of my personal data must be stopped by the Bank and / or third parties and the data is destroyed subject to termination of the Agreement and full repayment of the debt under the Agreement no later than 1 (one) year from the date termination of the Agreement.