I do not recommend this bank.
Refund of money by card, all the deadlines have already passed, the money is not refunded. The operators also respond every few hours. They don't give precise answers, they answer vaguely or off-topic altogether.
The competence of the employees is very lame. They make a lot of mistakes in their work. Contacting the bank is a problem, a very long wait for an answer to the mail and in the bank's chat (it has been more than 2 days, the answer has not been received, although the question is urgent) Inside the bank, as employees say, there is a huge turnover of personnel, nepotism flourishes, as a result of which they are hired not by the mind, but by the gang. They blocked the card when I was in Thailand, arguing that they consider Thailand to be a "3rd world country" where it is not safe to make calculations, they demanded to write an application for unblocking and send them a scan! IT'S CREEPY!!! Your questions are either not solved at all, or they are solved for a very long time, dealing with template unsubscriptions. The country and the people are great, but there is no service in Tajikistan and especially in this bank at all.
I have been using the Alif card and app for almost 2 years now. There have never been any critical moments. I change money from Russian banks quickly inside the Alif application. The money arrives within a couple of minutes. For non-residents, you can complete identification in the office or online. There are quite a lot of ATMs in the city. If compared with other banks in Tajikistan, Alif is the most technologically advanced of all. With support, I also solved questions in the chat several times and everything was pretty fast, the problem was solved, no one gave up on you.