Good news for customers who receive their pensions through Birbank. The country’s first digital bank has further expanded access to its financial services for pensioners. Under the new initiative, the maximum eligible age for obtaining a loan has been increased from 70 to 73.As a result, pensioners aged up to 73 can now also benefit from Birbank’s cash loan product. By continuously enhancing its products and services to meet the diverse needs of its customers, Birbank aims to provide flexible and accessible financial solutions to a broader age group.Under the new terms, pensioners can apply for cash loans of up to AZN 50 000. Loan applications can be processed at Kapital Bank/Birbank branches as well as at the bank’s digital centers.For more information about the cash loan product, please visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/8EkFLv">www.b-b.az/8EkFLv</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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Birbank introduces new opportunity: pensioners up to the age of 73 can now apply for loans

The results of the “FIFA 2026 Final Match with Birbank” campaign, jointly organized by the country’s first digital bank, Birbank, and Visa, have been announced. The participant who fully met the campaign requirements has earned the opportunity to attend one of the world’s most prestigious sporting events and watch the FIFA 2026 Final live.The winner has received two tickets to the FIFA 2026 Final, along with a fully organized travel package to the United States. The package includes four nights of accommodation, airport transfers, and transportation to and from the match and related events. This will allow the winner to enjoy one of football’s most memorable moments in comfort and create an unforgettable experience.To mark the occasion, an award ceremony was held during which the prize was officially presented to the winner. Representatives of Birbank and Visa attended the event.Sharing his excitement, the winner, Sh. Mammadli, said: “Watching the FIFA World Cup Final live from the stadium is an incredible opportunity for me. Having all the travel arrangements taken care of makes the experience even more special. I am certain this will be one of the most unforgettable experiences of my life.”As a reminder, under the terms of the campaign, the winner was selected from among customers who obtained a new Birbank Visa installment card and made purchases on the Birmarket platform. The grand prize was awarded to the participant with the highest purchase turnover during the campaign period.Information about the winner is available at:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/xfhwdL">www.b-b.az/xfhwdL</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 114 branches and 53 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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A chance to experience the FIFA 2026 final live: Birbank and Visa campaign concludes

One of the main challenges many people face when purchasing a car is the high down payment requirement and lengthy application process. Non-bank Credit Organization (NCO) “Bir Kredit” is reshaping the traditional approach to leasing by offering customers more accessible and convenient financing conditions.In partnership with the country’s first digital bank, Birbank, NCO “Bir Kredit” has launched a new leasing service. Through this new offering, customers can purchase both brand-new vehicles and used cars up to 5 years old with a down payment starting from 0%, financing of up to AZN 100,000, and installment terms of up to 60 months.One of the key advantages of the service is its accessibility to a wider audience. The offer is also available to individuals without official proof of income. Through this initiative, the partners aim to make car ownership more attainable for a larger number of people.Another major benefit is the simplicity of the process. Leasing arrangements are completed directly at the car dealership, allowing customers to finalize financing immediately after selecting a vehicle – without the need to collect additional documents, visit a bank branch, or spend extra time on formalities.Birbank’s digital approach is also reflected in this service. Customers can complete the entire process faster, more conveniently, and with greater transparency. With flexible terms, quick&nbsp;оформления, and broad accessibility, the new leasing solution offers a modern approach to car ownership.Those interested in the leasing service can apply via the Birbank mobile app or visit partner car dealerships.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/ZomFov" title="https://www.b-b.az/zomfov">https://www.b-b.az/ZomFov</a>&nbsp;

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A new leasing opportunity from Birbank and NCO “Bir Kredit”: Purchase a car with a down payment starting from 0%

“Bir Kredit BOKT” LLC has announced its financial results for 2025. According to the report, the company’s loan portfolio reached AZN 11 million 747 thousand 725 as a result of its lending activities during the year.In 2025, the majority of “Bir Kredit BOKT” income – 98% (AZN 269 thousand 528) – was generated from interest income, while other income accounted for 2% of total revenues (AZN 4 thousand 477). Since lending operations commenced in August 2025, and interest expenses on attracted funds, provisions, and operating expenses had been accrued since the beginning of the year, the financial year ended with a net loss. Net loss for the reporting period amounted to AZN 206 thousand 908.As of the end of 2025, the total assets of “Bir Kredit BOKT” LLC amounted to AZN 108 million 728 thousand 812. For comparison, this figure stood at AZN 83 million 480 thousand 131 at the end of 2024. Thus, the company’s assets increased by more than AZN 25 million year-on-year. The main drivers of this growth were the expansion of the investment portfolio by AZN 15 million, as well as the volume of loans issued during the company’s six months of market activity, which totaled approximately AZN 12 million. At the same time, reserves and accumulated losses from previous years deducted from assets amounted to AZN 2 million. During the reporting period, the company’s charter capital was also increased to AZN 99 million 835 thousand 580.During the reporting period, the company underwent a rebranding process, changing its name from “BirKart BOKT” LLC to “Bir Kredit BOKT” LLC. The main objective of the rebranding was to establish a more innovative and technology-oriented service model in line with the company’s long-term development strategy, as well as to provide customers with fully online services. One of the key services introduced in this direction is online lending through the Birmarket application, enabling customers to access loan solutions tailored to their needs.For more detailed information about the report:&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/aC3aDn">www.b-b.az/aC3aDn</a>&nbsp;“BirKart BOKT” LLC, established in 2018 for lending purposes, is fully owned by Kapital Bank as of December 31, 2025. Currently operating under the name “Bir Kredit BOKT” LLC, the company is located at 153 Neftchilar Avenue, Nasimi District, Baku.

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“Bir Kredit BOKT” LLC announces financial results for 2025

Birbank is introducing a new opportunity for customers who want to manage their loan obligations from other banks on more favorable terms. As part of its new campaign, the country’s first digital bank is offering discounts of up to 6% to customers who transfer their loans from other banks to Birbank.The campaign, which will run until June 1, provides customers not only with more attractive interest rate conditions, but also with the opportunity to reduce their monthly loan payments and manage all their loan obligations more conveniently in one place.Within the framework of the campaign, individuals receiving their salary or scholarship through Kapital Bank or any other bank can obtain a cash loan of up to AZN 50 000 for a term of up to 59 months.The new offer introduced by Birbank is especially beneficial for customers with multiple loans who are looking for a more convenient way to manage their finances. Consolidating loans in one place not only simplifies the repayment process, but also helps customers plan their financial burden more efficiently.Those wishing to benefit from the campaign can visit the nearest Kapital Bank/Birbank branch to take advantage of this opportunity.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/rkpr" title="http://www.b-b.az/rkpr">www.b-b.az/rkpr</a>&nbsp;Kapital Bank, the country's first bank, is part of PASHA Holding. Kapital Bank has the largest service network in Azerbaijan with 114 branches and 53 departments 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>&nbsp;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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Bring your loan to Birbank and get up to 6% discount 

The country’s first digital bank, Birbank, continues to delight its customers. Now, applying for a cash loan online is not only a way to save time, but also an opportunity to earn thousands of bonuses.As part of Birbank’s new campaign running from May 1 to June 16, every customer who applies for a cash loan online gets a chance to win bonuses. No need to spend time visiting a bank branch. Apply for your loan and receive bonuses directly from your smartphone.The campaign terms are simple. Every 5000th customer who applies for an online loan will receive 1000 bonuses, every 500th customer will receive 100 bonuses, and every 50th customer will receive 50 bonuses.To join the campaign, there is no need to go anywhere. Simply apply for a cash loan via the Birbank mobile app or at&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbank.az/">birbank.az</a>.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/prmb">www.b-b.az/prmb</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 114 branches and 53 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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Apply for an online cash loan with Birbank and get a chance to win 1000 bonuses

Birbank, the country’s first digital bank, with the support of Visa, is launching another unique campaign for its customers. As part of the “FIFA 2026 Final Match with Birbank” campaign, Birbank clients have the opportunity to travel to the United States to watch the grand final live and experience the atmosphere of world football.Only customers who obtain a new Birbank Visa installment card between April 13 and May 8, as well as those who currently do not have an active Birbank Visa installment card, are eligible to participate. The card can be ordered through both online and offline channels.According to the campaign terms, customers who receive the card must make purchases on the Birmarket platform by May 13 in order to participate in the campaign. At the end of the campaign, one participant with the highest purchase volume on Birmarket will be selected as the winner and will receive two tickets to the FIFA World Cup 2026 final, along with the opportunity to enjoy an unforgettable football experience.For more information, please visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/ftv"><a target="_new">www.b-b.az/ftv</a></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 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 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 and Visa offer a chance to attend the FIFA World Cup 2026 final

&nbsp;Birbank, the country’s first digital bank, has announced the launch of its “Səyahət marafonu” (Travel marathon) campaign for customers. Running from April 8 to May 8, 2026, the campaign offers users an opportunity to build their savings while earning valuable rewards.As part of the campaign, customers who select the “Travel” goal in the Birbank app and accumulate the highest amount will have the chance to win the grand prize – a travel voucher worth AZN 5 000. The next six participants will each receive travel vouchers valued at AZN 500.The “Səyahət marafonu” campaign is available to both existing and new Birbank customers.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/syh">www.b-b.az/syh</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 114 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 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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Discover the world with Birbank’s “Səyahət marafonu” campaign

Birbank Invest is introducing a new investment opportunity for its users. Starting today, Birbank Invest users can directly become shareholders of PASHA Bank. This new feature enables users to join the Initial Public Offering (IPO) process through the mobile application and take advantage of opportunities emerging in the local capital market.As part of the IPO conducted by PASHA Bank, the subscription period will be open to both individual and corporate investors until May 12, 2026.Under the offering, investors will be able to purchase 932 926 ordinary registered shares, representing 5 percent of the bank’s share capital. The initial offering price has been set at AZN 55 per share. The minimum purchase amount is one share, with no upper limit applied. Funds paid during the subscription period will accrue a 5 percent annual return. All transaction fees related to the share purchase are covered by PASHA Bank, with no additional commissions charged to clients. The shares will be listed and distributed through the Baku Stock Exchange.The allocation process will be carried out in accordance with the sequence outlined in the prospectus. For more detailed information, please visit:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/ipo-deeplink">www.b-b.az/ipo-deeplink</a>This IPO is the first bank IPO conducted by a private institution in the history of Azerbaijan and represents a significant milestone in the development of the country’s capital markets.The Birbank Invest application is available for download at: <a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/vHdRj4">https://www.b-b.az/vHdRj4</a>Launched in June 2025, Birbank Invest is the first independent investment application introduced by the bank under the Birbank brand. The platform provides users with convenient and secure access to both local and international financial markets.For more information, please visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbankinvest.az/">birbankinvest.az</a>, contact us via online chat,&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://linktr.ee/birbank.invest">social media channels</a> or reach out to the Customer Care Center at 196. The service is provided in partnership with “PASHA Capital Investment Company.”&nbsp;

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Become a shareholder of PASHA Bank with Birbank Invest

Birbank, the country’s first digital bank, has announced the launch of its latest seasonal campaign, “Qazandıran bahar” (Spring of rewards) offering enhanced incentives for new credit card customers.Running from 17 March to 20 April, the campaign is open to individuals who do not currently hold an active Birbank card. Customers acquiring a new credit card during this period have the opportunity to earn a 50-point bonus.As part of the offer, customers can earn additional bonuses on their first transactions:•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10 bonus points for an initial online purchase of 50 manats•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15 bonus points for the first instalment-based transaction of 150 manats•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25 bonus points for the first card-to-card transfer or cash withdrawal of 300 manatsNew cardholders will be able to continue earning bonuses on qualifying transactions through 30 April, extending the value of the campaign beyond the acquisition phase.The instalment card can be easily ordered via the Birbank mobile application or obtained through Kapital Bank/Birbank branch networks, ensuring both digital convenience and in-person accessibility.For more information:&nbsp;<a target="_blank" rel="noopener noreferrer" href="http://www.b-b.az/pt">www.b-b.az/pt</a>Kapital Bank, the country's first bank, is part of PASHA Holding. Kapital Bank has the largest service network in Azerbaijan with 114 branches and 53 departments 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. To apply for a consumer loan visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://kbl.az/prgtk">https://kbl.az/prgtk</a>, for a Birbank installment card visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://kbl.az/prcrc">https://kbl.az/prcrc</a>.&nbsp;

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Earn more with Birbank’s “Qazandıran bahar” campaign 

Azerbaijan’s first bank-backed independent investment app, Birbank Invest, launched its 2.0 version. The updated platform offers users broader access to local and global capital markets, alongside an enhanced interface and new analytical tools designed to support informed investment decisions.<h3 style="text-align:justify;">Access to Azerbaijan’s capital market</h3>With&nbsp;Birbank Invest 2.0, users can now participate in the purchase of shares and bonds of local companies during their initial offerings in the primary market.The platform will soon start offering Initial Public Offerings (IPOs), beginning with PASHA Bank’s IPO, giving users the chance to become direct shareholders. This will allow users to join the IPO process directly through the mobile application and take part in new investment opportunities emerging in the local capital market.<h3>Insights on the U.S. capital market</h3>A newly introduced&nbsp;Brief Company Info section provides key information about companies listed in the United States directly within the application. The section provides key details, including business activity, sector, company overview, market capitalization, official website, IPO date, and other essential indicators.<h3 style="text-align:justify;">This feature allows users to access essential company data directly within the platform, making investment decisions easier and more efficient.</h3><h3 style="text-align:justify;">Improved user experience</h3>The updated version features a redesigned interface, enhanced performance and the addition of&nbsp;Dark Mode, allowing for a more comfortable user experience in low-light environments and reducing eye strain.The&nbsp;Birbank Invest application can be downloaded via: <a target="_blank" rel="noopener noreferrer" href="https://www.b-b.az/vHdRj4" title="https://www.b-b.az/vhdrj4">https://www.b-b.az/vHdRj4</a>.Launched in June 2025,&nbsp;Birbank Invest is the first independent investment application under the&nbsp;Birbank brand. Developed in partnership with&nbsp;PASHA Capital Investment Company, the platform provides convenient and secure access to both local and international financial markets.For more information, visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://birbankinvest.az/">birbankinvest.az,</a> contact the platform via online chat or&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://linktr.ee/birbank.invest">social media channels</a>, or call the&nbsp;196 Customer Support Center.

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Birbank Invest 2.0 launched, expanding investment opportunities in Azerbaijan’s capital market

The country’s first bank, Kapital Bank, continues to implement initiatives aimed at supporting the education and professional development of young people. As part of this effort, a memorandum of cooperation was signed last year between the bank and the Educational Student Loan Fund, providing for the organization of various educational and development activities for students.As a continuation of this cooperation, on February 25, 2026, a training session titled “Your career pass: build your own impact”&nbsp; was organized for students and graduates who have benefited from the Fund’s education loans. The training was conducted by Narghiz Azimova, Head of the Talent Attraction and Selection Division of the Talent Management Department.During the training, participants received detailed information about career planning, personal branding, the requirements of the modern labor market, and opportunities for professional development for young people. The session was held in an interactive format, where participants were provided with practical recommendations and insights drawn from real workplace experience.The main objective of the training was to support students and graduates benefiting from education loans in taking a more conscious approach to their career choices, identifying directions for professional development, and entering the labor market with greater preparedness.Kapital Bank, the country's first bank, is part of PASHA Holding. Kapital Bank has the largest service network in Azerbaijan with 114 branches and 53 departments 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. To apply for a consumer loan visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://kbl.az/prgtk">https://kbl.az/prgtk</a>, for a Birbank installment card visit&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://kbl.az/prcrc">https://kbl.az/prcrc</a>.&nbsp;

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A training titled “Your career pass: build your own impact” was held for students benefiting from education loans

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