Terms of deposit insurance
Select "Choose the banking service" menu in the Kapital Bank payment terminal
1
Kapital deposit
Take advantage of high interest rates with capital deposits, as well as use the opportunity to increase the deposit until there is 1 month (30 calendar days) left on the contract. In addition, get a cash loan or credit line in the amount of maximum of 90% of your deposit.
- Deposit amount from 500 AZN/USD
- Maximum interest rate 11%*
Increase your income with a high interest deposit
Kapital deposit calculator
In addition to high interest rates, you can increase the deposit amount until there is 1 month (30 calendar days) left on the contract.
Monthly
End of period
3 month 6 month 12 month 18 month 24 month 36 month
-
-
Gross interest income
3 200 ₼
The calculation does not take into account the conditions for 10% tax on interest income.
Information
- Deposit period – 3, 6, 12, 18, 24, 36;
- Minimum amount – 500 AZN/USD;
- Maximum amount – no limit;
- Interest payments – monthly or at the end of deposit period;
- Adding funds to the deposit – up to 1 month (30 calendar days) before the end date of the contract; amount added must be at least 100 AZN/USD;
- According to changes to the Tax Code (Article 102.1.22), which entered into force on January 1, 2024: - If, when placing a deposit in manat for a period of 18 months or more, you choose monthly interest payment or payment at the end of the term, income on the deposit is completely exempt from tax in the amount of 10%; - If, when placing a deposit in manats for a period of less than 18 months, you choose the payment at the end of the term, monthly interest is conditionally calculated and part of this amount up to 200 AZN is exempt from 10% tax; - If, when placing a deposit in manats for a period of less than 18 months, you choose monthly interest payments, part of the income from interest on the deposit up to 200 manats is exempt from 10% tax; - Taxes on interest income for deposits in manats placed before January 1, 2024 are calculated in the same order as before the changes.
- Upon the automatic extension of a deposit, the terms of the campaign are not valid.
Interest rates
| Deposit period | Monthly payment | Payment at the end of year | ||||||
| AZN* | USD | AZN* | USD | |||||
| More than 50000* | up to 50,000** | More than 50000* | up to 50,000** | |||||
| 3* | 8% | - | - | 9% | - | - | ||
| 6* | 10% | - | - | 11% | - | - | ||
| 12* | 10% | 3% | 3.9% | 11% | 3.3% | 4% | ||
| 18* | 10% | - | - | 11% | - | - | ||
| 24* | 8% | 3.1% | 3.1% | 9% | 3.4% | 3.4% | ||
| 36* | 8% | 3.2% | 3.2% | 9% | 3.5% | 3.5% | ||
Note:
**Applies only to deposits in US dollars made for an amount up to 50 000 USD (inclusively) and a period of 12 months.
*Applies only to deposits in US dollars for an amount over 50 000 USD and a period of 12 months.
*The mentioned conditions are valid until 15.01.2025.
If the annual interest rate for deposit is higher than the interest rate on the secured deposits specified by Deposit Insurance Fund, then at the request of the client, deposit can be accepted at the rate of the secured deposits determined by the Deposit Insurance Fund (provided that a client has presented his/her consent application).
The AZN currency deposit with automatic term extension is carried out with an annual interest rate starting from 5%.
Interest Rates (for Legal Entities)
When providing the relevant service to corporate clients, the interest rate is determined individually by Kapital Bank based on the amount and term declared by the client. The acceptance of additional funds into the account, partial payment of the deposit and interest, and the payment of interest on the annual interest amount calculated on the deposit (capitalization) are determined based on the agreement.
Deposit replenishment
How to 
Deposit replenishment through Kapital Bank payment terminal
Select "Deposit replenishment" service among the banking services
2
Enter the payer's PIN code and the CIF of the deposit
3
Select the corresponding contract number to replenish the deposit
4
Check the consistency of data
5
Insert the cash into the terminal and confirm the payment
6
Deposits are the best way to start managing your cash. Capital deposits are one of the most profitable bank accounts in which you can invest. This product is one of the reliable and profitable ways to save your money. Capital deposits not only help you value your funds, but also allow you to get a credit line. The maximum amount for bank deposit interests paid monthly or at the end of the term is set at 11%. With this product, which allows customers to get a credit line, the credit line can be issued in cash or by card at a maximum of 90% of the deposit amount of AZN/USD 500. You can easily calculate your interest rates with the deposit calculator. All you have to do is apply to the bank to make a deposit.
