--- title: Birbank - İlk rəqəmsal bank description: Explore the latest updates in the Birbank app and learn more about our products and services. image: https://birbank.az/file/og_image_1080x1080_c57abea707.png --- ![](https://birbank.az/file/253fc046dc2368b2a9a04bbe9d24d0db9fd01e09_1_0ec440cffa.png) # Become a Birbank User
in 3 Steps ![](https://birbank.az/file/253fc046dc2368b2a9a04bbe9d24d0db9fd01e09_1_0ec440cffa.png) ![](https://birbank.az/file/Chat_GPT_Image_Mar_3_2026_12_42_04_PM_2_1_84c10a1ed6_bfac040fb8.svg) ![](https://birbank.az/file/Chat_GPT_Image_Mar_3_2026_12_42_04_PM_2_343063c694_1ab82331ce.svg) ![](https://birbank.az/file/Main_Screen_ui_1_281c58d929_028a08e1d8.png) ### Easily download the Birbank app ![iconSrc](https://birbank.az/file/ico_container_7_8c08e7f311_5ddbdacb8b.svg) ### Register ![iconSrc](https://birbank.az/_next/image?url=https%3A%2F%2Fbirbank.az%2Ffile%2Fplus_sign_square_449b0930fb.png&w=256&q=75) ### Easily access banking services ![iconSrc](https://birbank.az/_next/image?url=https%3A%2F%2Fbirbank.az%2Ffile%2FBir_sign_9bec85a8f4.png&w=256&q=75) ÖdənişlərKöçürmələr Credit Make loan payments through the Birbank app without visiting a branch. ASAN Pay for ASAN services through the Birbank app without waiting in line. Communal Easily and securely pay your electricity, gas, water, and other bills through the Birbank app. QR-code Make fast and secure payments via QR code without entering card details. Mobile Top up your mobile balance in seconds through Birbank. Fine Pay road and other administrative fines through Birbank and easily check your outstanding fines. ![icon](https://birbank.az/file/object_9_6d2ccb3b1e.svg) ### Cards Choose from a range of cards designed to meet all your needs, from everyday payments to online shopping. ![icon](https://birbank.az/file/object_8_9c5a1e9dff.svg) ### Mobile accounts Manage your funds conveniently through your mobile account and make payments and transfers with ease. ![icon](https://birbank.az/file/object_2_bda65d0e62.svg) ### Deposits Grow your funds with various advantageous deposit terms and earn additional returns on your savings. ![](https://birbank.az/file/All_12_9d7855af13.png) ![](https://birbank.az/file/All_11_f56338b456.png) ![](https://birbank.az/file/All_10_bc249c21ae.png) ![](https://birbank.az/file/All_9_7714c88796.png) ![](https://birbank.az/file/All_8_4524dee823.png) ![icon](https://birbank.az/file/object_9307b555ec.svg) ### Credits With credit and installment options tailored to your needs, you can easily turn your plans into reality. ![icon](https://birbank.az/file/object_7_1f49c6b412.svg) ### İnsurance Get your travel, car, and property insured online. ![10 000+](https://birbank.az/file/ecb319114445b1a2acf64516f50c640e5f67175a_1_a47ca7fb67.png) 10 000+ Earn bonuses when shopping at selected partner stores. Transfer the accumulated amount to your card or spend it again. ![Bir bonus](https://birbank.az/file/db4cb9f1875a9d5a49764e44c7ff8c25d488fc63_0261c785cd.png) Bir bonus Scan the Bir Bonus barcode when shopping at partner stores to earn more bonuses. Track your accumulated bonuses in Birbank and spend them whenever you want. ![2x VAT](https://birbank.az/file/efe96e5226d1aae5ed66639a47ef9b63bcb527ed_610b4beb10.png) 2x VAT Scan your shopping receipts via QR code in the Birbank app and get your VAT refund. You can use your accumulated VAT balance whenever you want. ![Miles](https://birbank.az/file/3c49858129ce892c93d28718d4626809348b6272_f6dc4cbda2_b2b8073331.png) Miles Pay with Birbank cards, earn miles, and easily use them to purchase airline tickets. Your travel plans can now be more affordable and convenient. ![MFA](https://birbank.az/file/iris_scan_133edffd7d.svg) MFA With SMS/Push confirmation and biometric login, you can access your account more securely. ![Real-Time Notifications](https://birbank.az/file/notification_03_1_e72ac082a8.svg) Real-Time Notifications Receive real-time notifications about your transactions and stay informed about activity on your account. ![Fraud Monitoring](https://birbank.az/file/security_3b09fb4311.svg) Fraud Monitoring Suspicious transactions are automatically monitored and detected to help protect your account. Tez-tez verilən suallar How can I pay utility bills in the Birbank app?![arrow](https://birbank.az/images/svg/arrow-down.svg) You can pay your utility bills 24/7 without leaving the Birbank app: Azərişıq (electricity), Azərsu (water), Azəriqaz (gas), and Azəristilik. Log in to your personal account, select the relevant service in the **“Payments”** section, and make the payment in just a few seconds. You can also save the payment as a template for future use.Can I pay fines?![arrow](https://birbank.az/images/svg/arrow-down.svg) Yes. You can pay DYP (traffic) and BNA fines online through Birbank. You can also use the **SMS Radar** feature to receive instant notifications about fines and avoid delays.How can I pay or apply for a loan through the app?![arrow](https://birbank.az/images/svg/arrow-down.svg) You can track and pay your loan balance through the **“Personal Account”** section of the app without visiting a branch (no CIF code or date of birth is required). You can also apply online for a cash loan of up to **50,000 ₼** and an installment limit 24/7.How does the VAT refund bonus work?![arrow](https://birbank.az/images/svg/arrow-down.svg) After shopping with a Birbank Cashback card, scan the receipt's **QR code** using QR Scan in the app, and **35%** of the VAT amount will be returned to your **“VAT Refund”** balance. Taksit and debit card users can benefit from **2x VAT**. You can use this balance for future payments and transfers.How can I participate in lotteries and prize draws?![arrow](https://birbank.az/images/svg/arrow-down.svg) By making payments with Birbank debit, installment, and Star cards, lottery tickets are collected automatically — no special registration is required. The more you spend, the higher your chances of winning in the draw. You can track your tickets in the **“From Us to You”** section of the app. Winners are selected randomly during a live broadcast.What are the main advantages of the Birbank app?![arrow](https://birbank.az/images/svg/arrow-down.svg) Key advantages include up to **30% cashback**, 2x VAT, commission-free transfers (up to **₼10,000 per month** from personal funds), free cash withdrawals, interest-free installments for up to 18 months, and a grace period of up to **63 days**.