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All operations related to a digital deposit can only be performed through the Birbank mobile application. It is not possible to open, increase, or decrease a deposit at the branch. All these operations are carried out online, using only Kapital Bank cards.

If you change your phone, you will not be able to reduce or close your deposit in the Birbank mobile application for a period of 3 business days. During this time, transactions are restricted.

If the maturity date of the deposit contract falls on a non-working day, the annual interest of the deposit will be paid on the last working day before the non-working day.
If the deposit amount is credited before the non-working day, the following rules apply:
• If the deposit amount is credited within 5 working days, the contract date is considered that day, and interest calculation starts the next working day;
• If the deposit amount is credited between 00:00 on the 5th day and 09:00 on Saturday, the funds are considered to have been received by the bank on Monday, and the interest calculation starts on Tuesday.

For Digital Deposits, the interest rates are as follows:

• Up to 12% for national currency (AZN)

• Up to 2.5% for foreign currency (USD)

According to the legislation, 100% compensation is provided, but the deposit amount must not exceed 100,000 AZN (one hundred thousand). This means that compensation is guaranteed for amounts up to 100,000 AZN.

• Monthly payments: If monthly interest payments are selected, the calculated interest will be transferred to the customer's current account each month.
• End of term payment: If the "End of term" option is selected, the interest for the corresponding period will be transferred to the customer's current account at the end of the deposit term.

You can place a Digital Deposit through the Birbank mobile app with a minimum amount of 1 AZN.

You can withdraw your deposit at any time. However, if the deposit is withdrawn before the due date:

• For AZN (Azerbaijani manat) deposits, interest will be paid at an annual rate of 1%;

• For USD (US Dollar) deposits, no interest will be paid;

• If the deposit is withdrawn before 30 calendar days have passed or before the 1-month deposit contract term ends, no interest will be paid on AZN deposits.

Note: When the digital deposit is terminated, the funds will be credited to the selected card according to its current rate.

You can place a Digital Deposit only through a Kapital Bank card via the Birbank mobile application online.

• Deposit Decrease:
– Possible at any time;
– Minimum amount to decrease: 10 AZN (at least 10 AZN must remain in the deposit);
– The reduced amount is returned to the selected card via the Birbank mobile app, and a commission is charged according to the tariff of that card.

• Deposit Increase:
– Minimum increase: 10 AZN;
– The process is possible only via the Birbank mobile app;
– If topped up from any card or account, a commission is charged based on the respective tariff.

You can place a digital deposit for the following terms:
1, 3, 6, 12, 18, 24, and 36 months.