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•  You can order a payment card using the Bank's official website, through the Birbank application, digital centres or by contacting the bank's branch (branches).

• Download the Birbank application to your mobile phone from Google Play, App Store or App Galery. Go to the "Card registration" section with your Kapital Bank card. Enter the card number, its PIN code, the phone number you are currently using, if you do not have a card, go to the "You are not a Kapital Bank customer" section and enter your mobile number. Enter the one-time password (OTP) that will be sent to your phone. Set yourself a password to log into the Birbank application in the future. You can also register by visiting our branches. The service is free.

• You can top up your card balance through Kapital Bank's payment terminals, Cash In ATMs, eManat and MilliÖN payment terminals.

Kapital Bank's SMS Banking service can be connected by the following methods:

• Using a Kapital Bank ATM;
• Calling the 196 Customer Service;
• Through the Birbank mobile application.

• In order to reduce the operational risk that may occur during transactions through cards issued by the Bank and reduce potential losses in case of card loss, daily use limits on plastic card types have been set for transactions carried out over the Internet, as well as for withdrawing cash from ATMs and making payments through POS-terminals in countries with high and low risk countries.

Before traveling to any country, to change the daily limits on the card, you can contact 196 customer service, the local structural unit of the Bank where you are served, or go to the “Birbank” service and enter the limits according to your personal requirements into the system.

• In order to convert miles to an air ticket, first, it is necessary to get a ticket by making a non-cash payment through BirKart Miles card. Then you need to track My Bonuses/Miles menu in Birbank mobile app. In this menu, it is required to select an air ticket you have bought and convert payment to miles.

In this case, a conversion fee of 0.5% will be charged. You can also open a euro card, and in this case, you do not incur a loss of the amount for conversion.