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An advance is a repayable amount provided by Kapital Bank to customers who receive their salary or pension through the bank, to cover urgent expenses.

The advance amount is determined based on the customer's average monthly salary or pension received through Kapital Bank. The offered amount ranges from a minimum of 50 AZN to a maximum of 500 AZN.

There is no annual interest rate for the advance. A commission fee of 3 AZN is charged for every 50 AZN.

You can get the advance through the following methods:
• Via the Birbank mobile app;
• Through Kapital Bank ATMs.

• If your salary or pension is received within 40 days, the debt is automatically cleared;
• If not fully paid, it will be deducted from the available balance on the 40th day;
• If still unpaid after 40 days, an additional commission is charged for every 30 days;
• To take a new advance, the previous debt must be fully paid;
• Personal funds only clear the debt if there is a delay after the 40th day.
Example: If you repay with personal funds on the 10th day after using the advance, the debt will not be cleared.

Yes, the advance information is submitted to AСB and ССR systems, which means it is reflected in your credit history.

To repay your advance debt in advance:
– Use your CIF code and date of birth for identification;
– You can make the payment through:
• Birbank mobile app;
• MilliÖn terminal;
• Emanat terminal;
• Kapital Bank branches.