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Payments with Birbank cards bring you luck

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An apartment in Sea Breeze and thousands of gifts

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Birbank, one of the first brands in the financial market to introduce innovative technological solutions, provides millions of customers with convenient and accessible financial tools. The bank pays special attention to ensuring that clients no longer face additional fees or limits when transferring money from card to card.Now, Birbank customers can transfer funds from one Birbank debit card to another without encountering limits or fees. This means that cardholders can transfer any amount at any time to another Birbank debit card without any obstacles. The process is always fast, unlimited, and free, regardless of the time of day or day of the week.Birbank offers not only banking services but also financial comfort in everyday life. The ability to make unlimited and free transfers makes this comfort even more accessible for every customer.A Birbank debit card can be obtained via the Birbank mobile app in just a few seconds.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 115 branches and 53 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’s products and services, you can visit birbank.az call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;

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Transfers between Birbank debit cards are unlimited and free of charge

Birbank offers its customers the opportunity to pay for goods and services in installments through the “Böl-ödə” credit, providing convenient and flexible financial solutions.With the “Böl-ödə” credit, Birbank customers can instantly purchase their desired products or services at partner retail and service outlets and make payments in installments. One of the key advantages of this service is the ability to complete a purchase using only a single identity document within a short period of time directly at partner locations. In addition, the application process for online purchases is also quick and convenient.The “Böl-ödə” credit is available in amounts ranging from AZN 100 to AZN 15000 and allows customers to pay for goods and services through monthly installments over a period of 2 to 35 months. A variety of repayment terms enables Birbank customers to choose the option that best suits their budget and manage payments with ease.The full list of partner retail and service points for the “Böl-ödə” credit is available at the following link:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/QUnmlb">www.b-b.az/QUnmlb</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 115 branches and 53 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’s products and services, you can visit&nbsp;<a href="file:///C:/Users/QadirovaNC/Desktop/press-relizlər/2026/Fevral%2525202026/-%25252010.02.2026%252520-%252520B%2525F6l-%2525F6də%252520kredit%252520limiti/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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Expand your shopping opportunities with Birbank’s “Böl-ödə” credit

Birbank Biznes, one of the market leaders in business and banking services for entrepreneurs, continues to offer new opportunities for micro-entrepreneurs. Designed to meet the individual needs of clients, the new tariffs are available in three options.The “Classic” tariff allows entrepreneurs to make transfers and withdraw cash of up to 5 000 AZN without any commission. The tariff costs just 18.99 AZN per year or 5.99 AZN for 3 months.The “Plus” tariff is ideal for entrepreneurs who want to avoid commissions entirely on transactions up to 10 000 AZN. Subscribing to this tariff requires a one-time payment of 37.99 AZN per year, with a 3-month option available for 11.99 AZN.The “Premium” tariff offers the opportunity to save up to 27% on expenses and allows transfers and cash withdrawals of up to 25 000 AZN without any commission. The annual cost of this tariff is 95.99 AZN.Regardless of the chosen tariff, micro-entrepreneurs receive a “Visa Sahibkar” card as a gift, offering a range of benefits. Card delivery is provided free of charge by the bank.With Birbank Biznes, clients can enjoy all the advantages of digital banking without visiting a branch, saving both time and effort.For more details about the tariff packages, please visit the Birbank Biznes mobile app:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/bbu">www.b-b.az/bbu</a>.&nbsp;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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New Birbank Biznes tariffs for entrepreneurs: Minimize your expenses

The duration of Birbank’s special offer for customers with existing loans at other banks has been extended. Now, anyone who transfers their loans from other banks to Birbank receives a 3% discount on the standard interest rate. Thousands of customers have already taken advantage of this opportunity. If you are looking for a favorable loan without complicated financial calculations or budget constraints, this offer is definitely worth considering.Running until February 10, this campaign offers customers more favorable credit terms, the ability to reduce their monthly payment amounts, and the convenience of consolidating debts to manage payments from a single place without wasting time.Please note that the discount applies to loans issued for a term of 13 months or more. As part of the campaign, individuals receiving a salary or pension from Kapital Bank or any other bank can obtain a cash loan of up to 50,000 AZN for a term of up to 59 months. You can visit the nearest Kapital Bank/Birbank branch if you would like to use this service.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 115 branches and 52 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’s products and services, you can visit birbank.az call the 196 Information Center, or reach out through the bank’s various social media pages.

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Customers transferring loans to Birbank receive a 3% discount – Campaign continues

There is very little time left until the end of the Birbank New Year lottery. Almost 3 000 000 Birbank clients already have the chance to win the main prize, an apartment, as well as thousands of other valuable gifts. Now is the perfect time to take advantage of this opportunity.To participate in the lottery, which runs from November 17, 2025 to January 31, 2026, it is enough to make payments using&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/cards/all">Birbank Debit</a>, Birbank Installment, or&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://cards.birbank.az/az/BRST/bb/star">Birbank Star</a>cards.A total of 10 000 winners will be selected during the lottery. 9 participants will win an iPhone 17 Pro, 20 people will receive an Apple Watch SE2, 40 participants will get AirPods Pro, 30 people will win a travel package worth 500 AZN, and 9 900 participants will receive bonuses in various amounts. The super prize of the lottery is an apartment located in the Park Lane residential complex in Sea Breeze, which will be awarded to one winner.No registration is required to participate in the lottery. Tickets are assigned automatically for eligible transactions, and clients can track their tickets in the Birbank mobile app in the New Year lottery section. The more payments you make, the higher your chances of winning.Birbank clients can also increase the number of their tickets by completing tasks within the mobile app. To do this, users should open the From Us to You section in the Birbank app and select the New Year Lottery. There, participants will find tasks that award additional tickets. Shopping at Birmarket increases the number of tickets tenfold. All Azerbaijani citizens aged 18 and above can take part in the lottery. Each customer can win only once.Winners will be selected on 23 February 2026 through a live broadcast on Birbank’s official social media channels, using a random draw.More information is available at&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/nylpr">www.b-b.az/nylpr</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 115 branches and 52 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’s products and services, you can visit Birbank.az call the 196 Information Center, or reach out through the bank’s various social media pages.&nbsp;&nbsp;

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New Year lottery continues: nearly 3 000 000 Birbank clients have a chance to win an apartment

Birbank, Azerbaijan’s first digital bank, has successfully completed full integration with the Central Bank’s regulatory framework and technical platform governing the “Open banking” concept. As a result, this functionality, implemented for the first time in the country’s financial market, has now been activated in the Birbank mobile application.Birbank users can now conveniently view their accounts held with other banks that are connected to the “Open banking” system directly within the mobile app. This enables customers to track all their financial activities from a single platform and benefit from a simple and user friendly control mechanism.To get started, simply follow these steps:• Log in to the Birbank mobile application;• Open the “Open banking” section;• Select Add an account from another bank;• Choose your preferred bank from the list and add the account.&nbsp;After completing these steps, detailed information on transactions carried out over the past 90 days will be available in the Birbank application. Please note that deposit and loan information is not included at this stage, and making transfers, payments, or other transactions is not supported. Customers can remove added bank accounts and revoke granted permissions at any time.Download the application via the link:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/bbha">http://www.b-b.az/bbha</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 115 branches and 52 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’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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A new era of digital banking: monitor all your banking transactions in Birbank

In honor of the New Year and the International Solidarity Day of Azerbaijanis, Birbank is launching a festive campaign to make shopping even more rewarding for its customers. The campaign will run from December 29, 2025, to January 15, 2026, giving holders of all Birbank installment cards the opportunity to spread their payments over a longer period without any commissions at partner stores.According to the campaign rules, during this period, Birbank will automatically add 3 extra months to the chosen installment plan for purchases made at its wide network of partner stores. For example, if a customer selects a 2 month plan in a clothing store, the installment period will extend to 5 months, and if they choose a 12-month plan in an electronics store, it will extend to 15 months. This helps significantly reduce the monthly payment burden. No commissions are applied during this time.The campaign is available to all customers without any limit on the number of participations and is designed to make holiday shopping more convenient and accessible for both partner stores and cardholders.For more information, visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/tfoQxM">https://www.b-b.az/tfoQxM</a>&nbsp;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 115 branches and 52 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’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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An additional 3 months of installments at Birbank for the holiday season

An important milestone has been achieved in expanding digital payment options in public transport with the support of the country’s first digital bank, Birbank. Thanks to the technological infrastructure implemented by Birbank, it is now possible to use contactless payment (NFC) technology on all bus routes in Baku, including those operated by “Baku Bus” LLC, as well as at all stations of the Baku Metro.The project was carried out in collaboration with “K Group” LLC (BakıKart) and is now fully completed. From today, all passengers in Baku can pay for their journeys using local bank cards from any bank that supports contactless (NFC) payments. As a result, a fully digital payment environment has been established across the city’s public transport system.The initiative covers not only Kapital Bank/Birbank clients but the entire banking sector, allowing customers of other banks to make contactless payments as well. In addition, the new system continues to support Apple Pay and Google Pay, as well as the Birbank, BakıKart, and m10 applications, providing users with freedom of choice and maximum convenience.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 115 branches and 52 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’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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Digital payments successfully implemented in public transport with Birbank

The introduction of innovative solutions in the country’s public transport system continues at the initiative and with the technological support of Birbank. As part of a project implemented jointly with BakıKart, passengers can now pay fares not only in the Baku Metro but also on city bus routes using contactless (NFC-enabled) bank cards issued by any local bank.The new service has been launched initially on bus No. 500 and is currently being tested under real operating conditions. Following the completion of the pilot phase, contactless (NFC) payments will be gradually rolled out across other BakuBus routes in the near future. Further expansion of this technology to other transport operators is also planned.The initiative is not limited to Kapital Bank customers and covers the entire banking sector, enabling contactless fare payments for customers of other banks as well. In addition, the new system continues to support payments via Apple Pay and Google Pay, as well as through Birbank, BakıKart and m10, offering passengers greater freedom of choice and convenience.As part of the cooperation between Birbank and BakıKart, QR-code fare payments were previously introduced in public transport. As a result, passengers using metro and bus services in Baku and the Absheron region can pay their fares via a QR ticket generated in the Birbank mobile application, without the need for a physical card. Moreover, since last month, city residents have also been able to pay metro fares using contactless (NFC-enabled) bank cards issued by any local 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 115 branches and 50 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’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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NFC payments with Birbank coming soon to BakuBus: PILOT phase launched

At a time when warnings about cyber fraud are sounding both globally and in our country, people are being deceived every day with new methods. Fraudsters use various ways to gain people&#39;s trust and put them in difficult situations. Recently, cases of deceiving uninformed individuals to obtain their bank cards have increased. Research shows that this type of fraud usually affects socially vulnerable, uninformed, or elderly citizens.

Fraudsters, approaching citizens in different ways, offer to help them obtain cards through bank branches or digital channels. Later, after receiving the card and its information for a certain payment, they use it to commit fraudulent activities.

What can happen if you give your bank card to someone else?

Theft of personal data. Giving your card and its details to someone else essentially means sharing your personal information as well. Fraudsters who gain access to this information can control your financial account and carry out transactions in your name. As a rule, illegal financial transactions are carried out under the name of the deceived person. Such cards can especially be used to conceal illegally obtained funds.

Financial losses. Giving your card to someone else gives the fraudster the right to use the funds in your account as they wish. This puts all your bank accounts at risk and can result in significant financial losses.

Legal consequences. Every citizen is responsible for the operations performed with their bank cards. Giving your card to someone else creates legal obligations for the cardholder. If any illegal transactions are carried out using the card, the cardholder may be held criminally liable for the results.

To avoid losing money and becoming involved in a crime, it is crucial to exercise caution:

Use your card personally. Bank cards belong exclusively to the client in whose name the account is opened and are intended for personal use only.

Be cautious with suspicious transactions. Regularly monitor your accounts. If you notice any suspicious activity, immediately contact your bank and law enforcement authorities.

Do not fall for fraudsters&rsquo; tricks. Be careful with anyone who asks for your card in exchange for payment or services. Your card and account information are personal and must not be shared with anyone. Any attempts to obtain such information should be reported immediately to the relevant authorities.

Kapital Bank reminds you once again that, in addition to the security measures implemented by financial institutions, citizens&rsquo; vigilance is crucial to protect their accounts and personal data. Never share your cards or information with others. If you encounter any suspicious messages, calls, or social media activity, report them immediately to your bank and the competent authorities. This way, you can help prevent others from becoming victims of cyber fraud as well.

Kapital Bank, the country&#39;s first bank, is part of PASHA Holding. Kapital Bank has the largest service network in Azerbaijan with 119 branches and 52 departments all over the country. For more detailed information about the bank&rsquo;s products and services, please refer to <a href="https://kapitalbank.az" style="color:#0563c1; text-decoration:underline">https://kapitalbank.az</a> website, 196 Call Centre or the bank&rsquo;s various social network pages. To apply for a consumer loan visit <a href="https://kbl.az/prgtk" style="color:#0563c1; text-decoration:underline">https://kbl.az/prgtk</a>, for a Birbank installment card visit <a href="https://kbl.az/prcrc" style="color:#0563c1; text-decoration:underline">https://kbl.az/prcrc</a>.

Do not give your card to anyone: you may lose money and become a victim of a crime

An important step has been taken in the field of social responsibility within Azerbaijani sports. The Red Hearts Foundation, the Azerbaijan Judo Federation, and &ldquo;Judo SC&rdquo; LLC have signed a tripartite cooperation agreement within the framework of the &ldquo;DOJO AZERBAIJAN &ndash; Regional Judo Development Program.&rdquo; The document was signed by president of the Red Hearts Foundation Yusif Poladov, Executive vice president of the Azerbaijan Judo Federation Rashad Rasullu, and representative of &ldquo;Judo SC&rdquo; Farid Mukhtarov.

The purpose of this cooperation is to support the development of judo across various regions of the country, promote a healthy and active lifestyle among young people, create an inclusive sports environment, and strengthen social integration in the regions.

As part of the program, modern judo halls meeting international standards will be established and equipped with all the necessary facilities for young athletes. This initiative aims not only to develop sports infrastructure but also to form a sustainable model that contributes to the physical, moral, and social development of the younger generation.

Sharing his thoughts on the project, president of the Red Hearts Foundation Yusif Poladov noted that this cooperation represents a significant milestone in the development of a culture of social responsibility in Azerbaijani sports. According to him, initiatives based on philanthropy and community support foster social solidarity and help shape generations with healthy values and mindsets.

Executive vice president of the Azerbaijan Judo Federation Rashad Rasullu expressed confidence that the project will open up broad opportunities for the development of judo in the regions. He emphasized that this cooperation is an important step toward nurturing not only healthy, strong, and determined young people but also future professional athletes.

This new partnership is regarded as a meaningful initiative that brings together the principles of social responsibility, civic support, and regional development in Azerbaijan&rsquo;s sporting life.

&ldquo;Red Hearts&rdquo; was founded in December 2019 at the initiative of Kapital Bank employees. The organization, which operates as a foundation from 2020, mainly contributes to the formation of a culture of philanthropy in our country. Addressing sensitive and important issues such as environmental protection, ecological balance restoration, education, training, and enlightenment, &ldquo;Red Hearts&rdquo; engages in social initiatives. By visiting <a href="https://redhearts.az" style="color:#0563c1; text-decoration:underline">https://redhearts.az</a> you can get acquainted with Fund&rsquo;s activities and support by making a donation.

Social partnership for the development of sports in the regions: Red Hearts Foundation and the Azerbaijan Judo Federation launch cooperation

Do you have new ideas and big goals? Then your dreams are now closer than ever! If you are wondering, &ldquo;How can I grow my business?&rdquo;, make sure to take advantage of this new offer from Birbank Biznes, designed specifically for small business owners.

All you need to do is access the Birbank Biznes mobile app and, in just a few clicks, the funds will be in your account.

Birbank Biznes has launched a new campaign with favorable conditions for entrepreneurs who want to take a loan and implement their plans without delay. Until October 31, clients who take a microloan will pay only 350 AZN per month for every 10 000 AZN borrowed.

The campaign applies exclusively to loans issued through the Birbank Biznes mobile app, and, most importantly, without any additional fees.

Apply now: <a href="https://www.b-b.az/kqss" style="color:blue; text-decoration:underline">https://www.b-b.az/kqss</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 &ndash; designed to help entrepreneurs save time and streamline operations &ndash; visit <a href="https://birbank.business" style="color:blue; text-decoration:underline">https://birbank.business</a> or call the information center at 896.

Birbank Biznes is offering small business owners loans on favorable terms – 10 000 AZN for just 350 AZN per month

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Currency	Central bank	Cash	Non-cash
USD	1.7000	1.6970	1.6990
EUR	2.0008	1.9758	1.9558
GBP	2.2920	2.2470	2.2470
100 RUB	2.2051	2.0600	1.8000
CHF	2.1892	2.1592	2.1392
TRY	0.0388	0.0288	0.0256
AED	0.4628	0.3700	0.4500

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