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 from August 21 to September 30.</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

There is no need to visit a branch to change your PIN code or reset your PIN attempts.Select your card and use the services available in the opened section. You can complete PIN operations in the Birbank app free of charge, without visiting a branch.Starting from September 8, 2026, the tariffs for these operations in branches will change. After this date, when visiting a bank branch to change a PIN code or reset PIN attempts, a service fee of 5 AZN will be applied for each service.To avoid additional costs and complete the operations more quickly, customers can carry out PIN operations through the Birbank app.

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Complete PIN operations free of charge in the Birbank app

Birbank Biznes has launched a new campaign, making micro business loans even more affordable for individual entrepreneurs. From August 6 to August 31, 2026, customers who apply for and complete the entire loan process online through the Birbank Biznes app can receive a discount of up to 5%.The loan application and approval process is fully digital. Customers are not required to provide a guarantor, collateral, undergo a business inspection, or submit additional documents. This enables entrepreneurs to access financing quickly and conveniently, without unnecessary paperwork or delays.The micro business loan is available to self-employed individuals and sole proprietors with a Taxpayer Identification Number (TIN). Entrepreneurs operating in trade, manufacturing, services, the beauty industry, agriculture, and other sectors can apply for loans ranging from AZN 500 to AZN 50 000 entirely online through the Birbank Biznes app.Thanks to Birbank Biznes' digital solutions, loan applications are assessed within a short period of time, and eligible customers can receive the funds in just a few minutes. This allows entrepreneurs to access the financing they need promptly and invest in the growth of their businesses.For more information about the campaign:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/5vac">www.b-b.az/5vac</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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Birbank Biznes offers up to 5% discount on micro business loans

To support secure and reliable digital payments across the country, all banks are introducing new limits on incoming card funding transactions.Starting 6 August 2026, each Birbank card may receive funds up to 5 times per day, with a maximum total of AZN 20 000 per month.✅ The limits apply separately to each card, not to the customer as a whole. This means that if a customer has several cards, each card will have its own individual limit.✅ Transactions between a customer’s own cards are not included in these limits. You can continue to send and receive money between your own Birbank cards without restriction.✅ Card funding transactions made through payment terminals such as Milliön, eManat, Pulz and MPay are not included in these limits. You can also fund your card without restriction through Birbank ATMs and payment terminals.✅ Business cards are automatically exempt from these limits.✅ The limits apply equally to customers of all banks.<h1 style="line-height:1.38;margin-bottom:6pt;margin-top:24pt;" dir="ltr">Frequently Asked Questions</h1>1. When will the new limits take effect?The new limits will take effect on 6 August 2026.2. Do the limits apply to transactions between a customer’s own cards?No. Incoming transfers between cards belonging to the same customer are automatically excluded from these limits.3. Do the limits apply to cards linked to a business account?No. Incoming funding transactions involving business cards are automatically exempt from these limits.4. Can the established limit be increased?No. Except for the exemptions listed above, the limit cannot be increased based on an individual customer request.5. Are the limits the same for all customers?Yes. Except for the exemptions listed above, the new limits apply equally to customers of all banks.6. Which transactions are subject to the new limits?The new limits apply only to incoming card funding transactions. Cash funding transactions made through payment terminals are not included in these limits.&nbsp;

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Changes to Card Top-up Limits

Birbank is launching a new campaign for its customers. From August 6 to September 10, 2026, customers who order a new Birbank Star credit card will be able to withdraw cash from their credit limit without paying any commission until September 30, 2026.The campaign offers additional benefits for customers who want to manage their everyday finances more conveniently. Customers who do not have an active Birbank Star card and order a new one during the campaign period will be able to make commission-free cash withdrawals, transfers, and other financial transactions that normally involve a commission under the card's terms and conditions until September 30, 2026.In addition, Birbank Star cardholders can benefit from a credit limit of up to AZN 30 000, make purchases without commission, earn unlimited bonuses when shopping with partners of the Bir ecosystem, and receive double VAT refunds when making QR code payments.The Birbank Star card also provides greater flexibility in using credit funds. If cardholders repay the amount they have spent by the last day of the month, no interest is charged on that amount. This allows customers to manage both their everyday and planned expenses without additional interest costs.Customers can order the Birbank Star card through the Birbank mobile app, on the Birbank.az website, or at Kapital Bank/Birbank branches.With its affordable pricing, cardholders pay a monthly service fee of only AZN 10 for monthly spending of up to AZN 500.For more information about the campaign, visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/psr">www.b-b.az/psr</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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Order your Birbank Star card today and enjoy commission-free cash withdrawals

Kapital Bank, the country's first bank, has successfully completed the placement of its AZN 50 million bond issue on the Baku Stock Exchange on 5 August 2026.The bond issue attracted strong interest from both individual and corporate investors. Total demand during the subscription period was nearly three times the size of the offering.In total, more than 330 investors submitted subscription orders exceeding AZN 146 million. Individual investors accounted for subscription orders totaling more than AZN 57 million, with 314 retail investors participating in the offering. Of these, 246 investors completed the subscription process entirely digitally through the Birbank Invest application.Investors were able to subscribe to the bonds either through the Birbank Invest application or at Kapital Bank/Birbank branches. The Birbank Invest platform enables users to carry out investment transactions in both local and international financial markets entirely through digital channels.The Kapital Bank bonds have a one-year maturity and offer an annual yield of 10%, with interest payments made on a monthly basis. PASHA Capital Investment Company OJSC acted as the underwriter for the issue.Kapital Bank's bonds represent not only a reliable and attractive investment opportunity for investors, but also make a meaningful contribution to the development of Azerbaijan's domestic capital market. Following the successful placement, Kapital Bank intends to continue playing an active role in the country's capital market by offering investors new investment products.Kapital Bank, the country's first bank, is part of PASHA Holding. Kapital Bank has the largest service network in Azerbaijan with 116 branches, 51 divisions and 13 Digital Centers all over the country. For more detailed information about the bank’s products and services, please refer to&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://kapitalbank.az">https://kapitalbank.az</a> website, 196 Call Centre or the bank’s various social network pages. Applications for a <a target="_blank" rel="noopener noreferrer" href="https://ccl.birbank.az/az/order/GTKR?utm_medium=pr&amp;utm_source=kb&amp;utm_campaign=0-TRF-gundelik-telebat-krediti-general&amp;utm_content=pr">cash loan</a>and a&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/cards/all?utm_medium=pr&amp;utm_source=kb&amp;utm_campaign=0-TRF-taksit-kartlari-general&amp;utm_content=pr">Birbank card</a> can be submitted online.&nbsp;

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Demand for Kapital Bank's bonds was nearly three times the offering size 

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