Pound Sterling

US Dollar

Russian Ruble

Turkish Lira

Swiss Franc

UAE Dirham

Azerbaijanian Manat

Euro

If the annual interest rate on the deposit exceeds the interest rate for protected deposits set by the Deposit Insurance Fund, the deposit may, at the client’s request, be accepted at the interest rate established by the Deposit Insurance Fund for protected deposits (in this case, the client’s written consent must be obtained).

Deposit terms

For deposits up to 5 000 AZN opened at branches and departments, the interest rates shown in the table are reduced by 1% for all terms.

Interest rates

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Open a deposit with ease!

Open a deposit with just 1 AZN/USD through Birbank and grow your wealth securely and profitably. Apply now and boost your returns with high interest rates!

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Up to 10.5%

1 AZN/USD

Up to 36 months

High-income deposit opportunity

The calculations do not take into account the conditions related to the 10% tax on interest income.

Frequently asked questions 

Часто задаваемые вопросы

Депозит 

Tez-tez verilən suallar

Depozit

Make payments worldwide with cards that support Visa and MasterCard® international payment systems.

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Enjoy special offers and benefits with Birbank cards

No extra charges on transfers between Birbank debit cards

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Transfer easily and commission-free

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Travel in comfort with Birbank Platinum

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Get a cash loan and pay with a minimum amount!

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Make all types of payments with Birbank!

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Make all payments with QR

Utilities, mobile, fines and hundreds more payments

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Convenient payment options

VAT returns, cashback, miles, Umico bonuses

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Lots of bonuses

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Send money to all destinations with Birbank!

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Order the Birbank Cashback Installment Card online 

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With Birbank cards

Pay your expenses in installments with your Birbank installment card

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6-installment option on Trendyol

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With Birbank Star

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Social partner offers

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TələbəPlus

Pay your travel expenses in installments with your Birbank installment card

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Up to 6 months installment option with AZAL

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Birbank installment cards

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Exclusive benefits on Umico.az

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Join the Spring lottery

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On online payments

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Savings account now in Birbank

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Bir for millions

  We are at your service during the holidays

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We are at your service during the holidays

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Buy now, pay later

Collect bonuses from your purchases at Bazarstore and AL Market branches

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Earn up to 6% bonus

The bonuses you earn and spend can win you a Toyota Corolla and hundreds of other bonuses

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Join the Bir Bonus lottery

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How to recognize a fraudster?

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The Caucasus’ first fully integrated digital platform

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Spend your way  and earn 3% in bonuses!

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Start saving today

Get a loan without going to the bank or waiting in line

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Online loan

Don’t miss out on great deals and discounts

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Open a deposit in branch or online and boost your earnings

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Deposit

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All types of payments are easier with Birbank

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Payments

Take advantage of Birbank’s extensive partner network

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Partners

Hurry to benefit from Birbank’s active campaigns

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App Store

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Google Play

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Our updated mobile app is always at your service

Spend the way you like with this benefit-packed card — repay the amount at the end of the month and pay nothing extra

Birbank Star card

Get a loan of up to 80,000 AZN — quickly, easily, and on favorable terms

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Cash loan

Invest in our reliable, high-yield bonds — and earn more

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Bonds

Make a deposit via the Birbank app and grow your earnings with a high interest rate

This card brings you plenty of bonuses and makes your payments easier

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Birbank Cashback card

Get a loan of up to 50,000 AZN — quickly, easily, and on favorable terms

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Service network

Here are the guides to help you use our products more easily

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How to

Find answers to the most frequently asked questions — all in one place.

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Birbank has launched an initiative to plant trees in honor of newborn children, introducing a new approach to celebrating the arrival of a new generation while contributing to environmental sustainability.As part of the “Adı ilə böyüsün” (“Grow with your name”) project, parents who receive a birth allowance from the bank are provided with a special certificate confirming that a tree has been planted in honor of their child.Commenting on the project, Mahammand Ibrahimov, Leader of the Operations Office at Kapital Bank, said: “What makes this project particularly meaningful to us is that the arrival of every newborn is marked by planting a tree, turning this special moment into a lasting green legacy. As the child grows, so does the memory created by this initiative. We want children, years from now, to see the tree planted in their honor and feel that their arrival into the world was a meaningful and valuable event for society. In this way, a memory that begins in the very first days of their lives can stay with them for years to come.”The “Adı ilə böyüsün” project has been implemented since September. Certificates confirming the planting of the trees are sent to Birbank customers via SMS on a weekly basis. Parents can verify the authenticity of their certificates through the&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://yasilgelecek.az/?utm_source=chatgpt.com">yasilgelecek.az</a> website.The initiative not only turns the arrival of a child into a special and memorable occasion, but also contributes to greening efforts and promotes a culture of caring for the environment.The project is being implemented through cooperation between the Ministry of Ecology and Natural Resources of the Republic of Azerbaijan, Azerbaijan Greening and Landscape Structure OJSC, and Kapital Bank.Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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A new initiative in the banking sector: Birbank plants trees in honor of newborns

No more collecting or scanning paper receipts. Just activate the feature once and your receipts will be added automatically after each purchase.To get started:<ul style="list-style-type:disc;"><li>Go to the VAT Refund section in Birbank</li><li>Turn on “Add receipts automatically”</li><li>Shop as usual and your VAT amount will be added automatically.</li></ul>You can use this feature when shopping across more than <a target="_blank" rel="noopener noreferrer" href="https://birbank.az/file/partnyor_s_b_k_si_daf418646a.xlsx">172 partner networks</a>.&nbsp;Go to VAT cabinet:<a href=" www.b-b.az/edvga " target="_blank" rel="noopener noreferrer"> </a><a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/bekk">www.b-b.az/bekk&nbsp;</a>

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Get your VAT refund without scanning receipts

Birbank, the country’s first digital bank, has launched a special campaign for education professionals. Under the campaign, which runs until October 31, 2026, education professionals can apply for a cash loan with a discount of up to 7%.As part of the campaign, customers can borrow up to AZN 80 000 and consolidate their loans from other banks with Birbank. Loan terms range from 3 to 59 months.To take advantage of the campaign, customers can apply through the Birbank app or Birbank.az, contact the Birbank chat, call the 196 Information Center, or visit any Kapital Bank or Birbank branch.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/bbtsd">https://www.b-b.az/bbtsd</a>Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Up to 7% discount on cash loans for education professionals

Birbank customers can carry out many of their everyday banking operations without paying a commission, not only through digital channels but also at Milliön terminals, the country’s largest payment terminal network. At 6 500 terminals located both in the capital, Baku, and even in the most remote regions of the country, customers can make loan repayments, top up their balance and current accounts, as well as deposit and savings accounts, pay alimony and bank fees, all without any commission.This allows customers to independently choose the most convenient service channel for their banking needs.This opportunity is provided as part of Bir’s approach to offering customers greater flexibility and choice across different service channels. As the Caucasus’s first fully integrated ecosystem, Bir enables customers to carry out their everyday banking operations conveniently and in a way that best suits their individual needs.Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Birbank operations at 6 500 Milliön terminals are commission free

Birbank Taksit cardholders can earn an additional 3% bonus on purchases made in September. As part of the campaign running from September 2 to 30, 2026, customers will receive an additional 3% bonus on one-time or installment payments of 50 AZN or more made with their Birbank Taksit card.The campaign is available to both customers who have selected a monthly bonus category and those who have not. Customers who have selected a bonus category can earn both the bonus offered for purchases within their chosen category and an additional 3% bonus under the campaign when making one-time payments. Customers who have not selected a bonus category will receive a 3% bonus on eligible payments in accordance with the campaign terms.Registration is required to participate in the campaign.Register via the following link:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/ccb">www.b-b.az/ccb</a>Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Get an additional 3% bonus on purchases with your Birbank Taksit card this September

As part of the campaign, which will run until September 30, 2026, customers can transfer their loans from other banks to Birbank and receive a discount of up to 6% on the loan offered by the bank. In addition, the maximum amount of the cash loan available under the campaign has been increased from AZN 50 000 to AZN 80 000.The offer is available to individuals who receive their salary or pension through Kapital Bank or any other bank.Loans are available for a term of up to 59 months, while the terms are determined individually based on the customer’s financial assessment.For customers with loans at multiple banks, consolidating their financial obligations with one bank makes it easier to keep track of payments and manage their monthly budget more effectively.Those wishing to take advantage of the offer can apply at the nearest Kapital Bank branch.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/bbclrfn">www.b-b.az/bbclrfn</a>Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.

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Transfer your loan to Birbank and get up to AZN 80 000 with a discount of up to 6%

&nbsp;Saving money is the first step towards turning future plans into reality. But can money set aside for the future do more than simply remain untouched and generate additional income? With a Birbank Savings account, your savings grow through interest accrued on a daily basis. This means that the money you set aside for future goals does not simply sit idle – it earns additional income every day.Funds held in a Birbank Savings account earn an annual return of 7% in Azerbaijani manats and 2.5% in US dollars. One of the key benefits of the product is that interest is accrued daily and added to the account balance. This means that income is generated not only on the original amount but also on the interest earned previously. As a result, your savings continue to grow every day.The Savings account also gives customers the flexibility to manage their funds freely. You can open an account with a zero balance – starting from 0 AZN or 0 USD – add funds at any time, and withdraw money whenever needed without losing the interest already accrued. All transactions can be completed in just a few minutes through the Birbank mobile app, where you can also conveniently monitor your account balance at any time.The Savings account is a convenient solution for those who want to regularly set money aside for future goals while earning additional income on their savings every day. It is suitable both for those saving for travel, education, a car or a home, and for anyone looking to make their available funds work more effectively in the short term.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/svngbs">http://www.b-b.az/svngbs</a>&nbsp;You can open a Savings Account through the Birbank mobile app by selecting the “Deposits” section and then “Open a Savings Account”, or by visiting your nearest Kapital Bank/Birbank branch.Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Let your savings earn income every day

Please note that starting from September 28, a service fee will apply to customers who have more than one physical Birbank Debit card. If you already use an additional Birbank Debit card digitally and choose to order its physical version, a 10 AZN fee will be charged for each newly issued card.There is no service fee for digital Birbank Debit cards, regardless of how many you have.

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You can order a Birbank Debit card for free in the Birbank app.

Birbank, the country’s first digital bank, continues to expand access to financing for entrepreneurs. Representatives of small and medium sized businesses can now apply for a Micro Business Loan through either the Birbank mobile app or the Birbank Biznes app.&nbsp;This gives entrepreneurs who need additional funds for their businesses the flexibility to choose the app that is most convenient for them and complete the entire loan application process online. All stages of the loan application process are carried out digitally. A Micro Business Loan of up to AZN 50 000 can be obtained entirely online. There is no need to visit a bank or branch, provide a guarantor or collateral, or submit any documents when applying.The application is assessed without an on site business inspection, based on the bank’s existing lending policy and risk assessment. Loan documents are signed electronically within the app. Once the application is approved, the loan amount is transferred to the entrepreneur’s account. To apply for a Micro Business Loan, entrepreneurs only need to have a Tax Identification Number or an AZN business account with Kapital Bank. Entrepreneurs who do not yet have an account can easily open one through the Birbank Biznes app.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/BiznesB">www.b-b.az/BiznesB</a>Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Micro Business Loan is now available on both Birbank and Birbank Biznes

To ensure the reliability and security of digital payments across the country, limits have been introduced on incoming transfers to bank cards. Under the new rules, funds can be credited to a single bank card no more than five times per day, with total monthly incoming transfers capped at AZN 20 000. Birbank Sahibkar and Birbank Biznes cards are exempt from these restrictions. This means entrepreneurs can receive funds as many times as they need throughout the day and in any amount during the month, without being restricted by transaction or monthly limits.This allows entrepreneurs to keep their personal and business finances separate and manage their financial operations more conveniently and securely. In addition, cardholders can benefit from a range of exclusive offers provided by Visa for entrepreneurs. These include special discounts on hotel stays and car rentals, 24/7 medical and legal assistance while abroad, as well as access to various business tools on preferential terms. Discounts offered on platforms such as Google Ads, Meta Ads, LinkedIn Ads, Microsoft 365 and Google Workspace can also help entrepreneurs reduce their everyday digital business expenses.The cards can be added to Apple Pay and Google Pay and used for everyday payments. Customers paying with these cards can also benefit from various discounts offered by partners across the Bir ecosystem, including restaurants, cafés, health and wellness centres, and retail businesses.Ordering a card through the Birbank Biznes mobile app takes just a few seconds.Download the Birbank Biznes app for fast, secure and unlimited transfers:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbankbusiness.onelink.me/7YnO/juri1ga7">https://birbankbusiness.onelink.me/7YnO/juri1ga7</a>As a product of Kapital Bank, Birbank Biznes is committed to supporting entrepreneurs and their businesses by offering innovative and convenient solutions for efficient business management. Birbank Biznes clients can receive assistance anytime through the live chat feature. To learn more about the Birbank Biznes system – designed to help entrepreneurs save time and streamline operations – visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.business">https://birbank.business</a> or call the information center at 896.&nbsp;

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Accept payments without limits with Birbank Sahibkar and Biznes cards

Redeem your miles for more than just flights. Use them for hotels and tours too!With Birbank Platinum Miles, you now have even more ways to use the miles you earn. During the campaign, you can redeem your miles not only for flight tickets, but also for payments made at hotels and travel agencies.&nbsp;Plan your trip, pay with your Birbank Platinum Miles card, and use your miles to cover the amount you spent. You can also use miles earned before the campaign.&nbsp;Campaign terms:&nbsp;<ul><li>The campaign is valid until 31 December.</li><li>The campaign applies only to payments made with Birbank Platinum Miles cards.</li><li>To take part, pay for a flight ticket, hotel, or travel agency service with your Birbank Platinum Miles card, then redeem your miles for that payment.</li><li>You can also use miles earned before the campaign during the campaign period.</li><li>Miles are redeemed based on the standard mileage rates. All other terms for using miles remain unchanged</li></ul>Don't have a Birbank Platinum Miles card yet? Order it easily on our website. <a target="_blank" rel="noopener noreferrer" href="https://cards.birbank.az/en/BMPC/bb?utm_medium=page&amp;utm_source=veb&amp;utm_campaign=2-TRF-birbank-platinum-milescover-travel-expenses-with-miles -EN&amp;utm_content=pay-with-miles">Click to order&nbsp;</a>&nbsp;

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Cover your travel expenses with miles

Birbank is launching a new campaign to make public transport more affordable for its customers. Running from August 11 to November 30, 2026, the campaign gives customers who use their Birbank Star card to pay for BakıKart fares on buses and the metro the opportunity to enjoy their first five trips free of charge each month.To take part in the campaign, customers simply need to use their Birbank Star card to pay for BakıKart fares on buses or the metro. No funds will be deducted from the card for eligible free trips, while customers can conveniently track their usage through the mobile app. The campaign applies to BakıKart payments made directly with a Birbank Star card or via QR code.The campaign is open to all customers who either already have an active Birbank Star card or obtain a new one during the campaign period. Each Birbank Star card can be used for up to 20 free public transport trips over the course of the campaign.In addition to public transport benefits, the Birbank Star card offers a range of features designed to help customers manage their everyday financial needs. Cardholders can access a credit line of up to AZN 30,000, make purchases with no commission, and earn unlimited bonuses on payments made with Bir ecosystem partners. Customers can also benefit from double VAT cashback when making QR payments.The Birbank Star credit card can be ordered through the Birbank mobile app, Birbank.az, or at Kapital Bank/Birbank branches.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/campaigns/star-pulsuz-gedis">Birbank | Birbank Star ilə hər ay 5 gediş hədiyyə!</a>Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 116 branches, 51 divisions and 13 Digital Centers. For more information about the Birbank’s products and services, you can visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a> call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Birbank Star Offers 5 Free Public Transport Trips Every Month

Frequently asked questions

Advance credit

Currency	Central bank	Cash	Non-cash
USD	1.7000	1.6940	1.6960
EUR	1.9093	1.8790	1.8640
GBP	2.2516	2.2070	2.2070
100 RUB	1.9998	1.3700	1.5900
CHF	2.0475	2.0080	1.9980
TRY	0.0345	0.0280	0.0210
AED	0.4628	0.3700	0.4500

Spend your way and earn 3% in bonuses!

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Travel in comfort with Birbank Platinum

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Birbank Star card

Cash loan

Bonds

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