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

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

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

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 

&nbsp;Many people still visit a bank branch or call the customer support center to check their card balance, unblock a card, order a new one, get information about a loan, track a card refund, or clarify details of banking transactions. However, for most everyday banking needs, there's a much faster and more convenient way.With the AI Assistant in the Birbank app, users can instantly get answers to questions about banking products and services, including card applications, loans, money transfers, and deposits. The AI Assistant also allows users to check their card balance and recent transactions, track the status of card refunds, find branch locations and opening hours, explore personalized financial offers, and complete a range of banking operations directly within the app.While intelligent chatbots handled around 40% of customer inquiries in the Birbank chat until 2025, today that figure has increased to 70%. This growth reflects customers' increasing trust in AI-powered solutions and has contributed to raising customer satisfaction to 75%.The AI Assistant also supports voice interactions, providing even faster access to banking services and helping users manage their everyday financial needs more conveniently.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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Solve your everyday banking tasks with Birbank’s AI Assistant

Today, investing is no longer a tool reserved for those who closely follow financial markets; it has become an accessible opportunity for anyone seeking to manage their finances more effectively. Since its launch in June 2025, Birbank Invest has quickly become the platform of choice for tens of thousands of users. As the first standalone investment application introduced by a bank in Azerbaijan, the platform enables users to start investing with as little as USD 1 while providing fully digital, convenient, and secure access to both local and global financial markets.Over the past year, Birbank Invest has significantly expanded the investment opportunities available to its users. Today, the platform offers access to more than 12 000 stocks and ETFs, with over 1 000 new investment instruments added during the past year. The release of Birbank Invest 2.0 introduced a redesigned and more user-friendly interface, access to primary and secondary capital markets in Azerbaijan, enhanced financial analytics for the U.S. market, and new features designed to help investors make more informed investment decisions.Birbank Invest also became the leading platform for investors participating in the initial public offering (IPO) of PAŞA Bank, one of the most significant events in Azerbaijan's capital market. More than 10,000 unique investors took part in the IPO through Birbank Invest, submitting over 11,000 applications via the platform.This milestone was shared by Javid Mirzayev, First Deputy Chairman of the Management Board of Kapital Bank, on his social media page. According to him, investing should be accessible not only to financial market professionals but also to anyone who wishes to manage their money more effectively. “For us, success is measured not only by the number of users. What matters even more is the way people's perception of investing is changing. While investing was once considered the domain of financial professionals, today digital solutions are empowering an increasing number of people to invest and grow their wealth. The high level of trust that Birbank Invest has earned in such a short period is one of the clearest indicators of this transformation,” he noted.Among the key advantages of Birbank Invest are fully digital onboarding, the ability to submit investment orders 24/7, real-time portfolio tracking, competitive commissions, and asset protection of up to USD 500 000 under the Securities Investor Protection Corporation (SIPC) program.Birbank Invest, a trademark of Kapital Bank, has been developed in partnership with PASHA Capital Investment Company and provides both beginner and experienced investors with convenient, fast, and secure access to local and global financial markets.

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Birbank Invest: Your digital path to investing

The country’s first bank is introducing a new investment opportunity for those looking to manage their funds effectively. Kapital Bank is bringing the first part of its bond program, with a total volume of 100 million manats, to the capital market. As part of the initial offering, investors are being offered bonds worth 50 million manats.The bonds offer a 10% annual return, monthly interest payments, and an investment opportunity starting from 100 manats. Thanks to the opportunity to start investing with a relatively small amount, this instrument is a suitable choice for both experienced investors and those taking their first steps in the investment journey.The subscription period for Kapital Bank bonds will continue until August 1, 2026. The maturity period of the bonds is 1 year.Investors can subscribe to the bonds fully digitally through the Birbank Invest application in just a few steps. To do so, they need to select the “Local Market” option in the “Investments” section of the application.Download the Birbank Invest app:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/PPhZ8q">https://www.b-b.az/PPhZ8q</a>&nbsp;In addition to digital channels, subscriptions for the bonds are also available at all Kapital Bank/Birbank branches. There are no minimum or maximum purchase limits for participation in the subscription. During the allocation process, priority will be given to applications submitted by individuals.When applying at branches, all commission fees for individual investors will be covered by the bank.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/gEn4Ac" title="https://www.b-b.az/gen4ac">https://www.b-b.az/gEn4Ac</a>&nbsp;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.&nbsp;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;

Kapital Bank opens bond subscription: Invest with a 10% annual return

The country's first digital bank continues to expand its inclusive banking services for customers with hearing and speech impairments. Following the launch of its “Sign Language Video Call service” in the Birbank mobile app last year, customers can now also receive assistance in sign language at selected Birbank branches.The service is currently available at Birbank's “Abşeron”, “Qara Qarayev”, “Sahil”, “Binəgədi, and “Gənclik Mall” branches in Baku, as well as at the bank's branch in Ganja. Nearly 20 employees have completed specialized sign language training, equipping them with the knowledge and skills needed to communicate with customers directly, comfortably, and effectively.Last year, as part of its “Əngəlsiz bankçılıq” (Barrier Free Banking) initiative, Birbank became the first bank in Azerbaijan to introduce a “Sign Language Video Call service” within its mobile app for customers with hearing and speech impairments. With the expansion of the initiative, these customers can now conveniently access banking services through both digital channels and physical branches. Birbank currently serves nearly 3 000 customers with hearing and speech impairments. Through this initiative, the bank continues to make financial services more accessible, promote equal access to banking, and contribute to the development of inclusive banking in Azerbaijan. Birbank also plans to further expand the number of branches offering sign language services in the future.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 114 branches and 52 service offices. 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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Birbank expands inclusive banking services: Sign language support now available at branches 

Birbank, the country's first digital bank, has launched a new promotional campaign for customers applying for an installment card. As part of the “50 bonuses for your first installment purchase” campaign, which runs until 31 July 2026, customers who make their first installment purchase of AZN 500 or more will receive 50 bonus points. The offer is available to customers who did not have an active Birbank installment card during the campaign period and apply for one within the specified timeframe.The Birbank installment card offers much more than the benefits of the campaign. Cardholders can enjoy installment plans of up to 24 months, shop at thousands of partner merchants, and earn unlimited bonus points. In addition, the card comes with free issuance and delivery, a grace period of up to 63 days, and double VAT refunds on QR code payments.The bonus points earned as part of the campaign can be redeemed through Bir Bonus, the unified loyalty program of the Bir ecosystem.&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbonus.az/">Bir Bonus</a>&nbsp;allows customers to earn and spend bonus points not only across Birbank, m10, Birmarket, and other Bir ecosystem brands, but also at thousands of partner merchants. All Bir ecosystem customers are automatically enrolled in the program and can use their accumulated bonus points for a wide range of everyday purchases and services, including BakıKart public transport fares, Trendyol orders, mobile top-ups, shopping at Birmarket, and much more.For more information, please visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/tkblk">https://www.b-b.az/tkblk</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 114 branches and 52 service offices. 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 a Birbank installment card and receive 50 bonuses on your first purchase

Birbank, the country’s first digital bank, has introduced a special loan offer for military personnel in celebration of the June 26 – Armed Forces Day of the Republic of Azerbaijan. Until July 31, military personnel who apply for an online cash loan from the bank will be able to benefit from special lending terms with monthly payments starting from AZN 300 for every AZN 10 000 borrowed.The offer is available for cash loans applied for through the Birbank mobile app and Birbank chat. It also applies to military personnel who transfer their existing loans from other banks to Kapital Bank.For more information, please visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/hrzkk">https://www.b-b.az/hrzkk</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 114 branches and 52 service offices. 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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Special loan offer for military personnel from Birbank: Monthly payments starting from AZN 300 for every AZN 10 000 borrowed

The “Səyahət marafonu” (Travel marathon) campaign, organized by Birbank, the country’s first digital bank, has successfully concluded. Based on the campaign results, participants who accumulated the highest amounts toward the “Travel” savings goal in the Birbank mobile app were selected as winners and awarded prizes at a special ceremony.The grand prize winner received a travel certificate worth AZN 5 000. In addition, six other participants were awarded travel certificates worth AZN 500 each.The grand prize winner, Y. Melik-Yeganli, shared his impressions of the victory: “I never expected to rank first among millions of Birbank customers. When I learned the results, I was both surprised and delighted. I plan to use the travel certificate for a trip to one of the warm countries together with my brother.”The “Səyahət marafonu” campaign ran from April 8 to May 8, 2026. During the campaign period, Birbank users could save money toward the “Travel” goal in the mobile app and earn a chance to win various prizes.The list of campaign winners is available at:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/syql" title="https://www.b-b.az/syql">www.b-b.az/syql</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 114 branches and 52 service offices. 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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Prizes presented to the winners of Birbank’s “Səyahət marafonu” campaign

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