---
title: Unlimited-term deposit! Deposit money and withdraw anytime
description: Want to open a flexible deposit? With Birbank, there’s no need to wait for a fixed term after depositing your money. Withdraw your deposit anytime you want.
image: https://birbank.az/file/og_image_1080x1080_c57abea707.png
---

## Deposits

# Non-term Deposit 

If you are not sure what deposit term to choose, then benefit from our Non-term deposit account. You can withdraw your money together with deposit interest any time you wish. 

From 100 AZN/USD

Deposit amount 

12 months

Deposit amount 

AZN - 1%, USD - 0.01%

Annual interest rate 

![image](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/upon_request_ffb0a1999b.png)

From 100 AZN/USD

Deposit amount 

12 months

Deposit amount 

AZN - 1%, USD - 0.01%

Annual interest rate 

Need to know

Terms

How to

FAQ

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Deposit term – Minimum 12 months (automatically extended) 

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No interest is paid for contracts with a term of up to 30 calendar days 

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Deposit amount – Minimum 100 AZN/USD 

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Interest payment – Upon withdrawal of the deposit amount 

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According to Article 102.1.22 of the Tax Code, starting from February 1, 2023, a 10% tax will be deducted from deposit interest income of individuals. 

![info](https://birbank.az/file/info_55069574d6.svg)

Bank deposits are one of the most effective ways to manage cash securely and systematically. A non-term deposit account offers both flexibility and the opportunity for interest income, providing a responsive solution to financial needs. Through this deposit, you can add or withdraw funds at any time and place deposits without any time restrictions. A deposit account represents one of the most stable steps in the investment journey. The minimum deposit amount for these accounts is 100 AZN or 100 USD, and they are offered in both AZN and USD currencies. Interest rates may vary depending on the selected currency. Additionally, interest income is paid only upon withdrawal of funds. The minimum term established for deposit accounts is 12 months, and once this term ends, it is automatically renewed by the system. If a depositor does not request repayment at the end of the term, then the deposit is renewed based on the current rates and terms. To experience the convenience of successful money management with a non-term deposit account, you can visit our nearest branch or seek support through online channels.

[Deposit Insurance Conditions](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/az%5F20230413150604%5F61d12f2802.pdf)