Questions from Customers

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  • Man icon Qiyas Həsənov
  • Date: 10 September, 2021
  • Eye icon 13325

Which bank is more profitable to deposit money in Azerbaijan? What are annual deposit interests of Kapital Bank?

  • Kapital Bank Kapital Bank
  • Date: 9 June, 2025

Interest rates for the deposits offered in two types – Capital and Demand deposits vary depending on the amount and term of the deposit. The annual interest rate is set at 8% for Capital deposits, 1% for Demand deposits in AZN and 0.01% in USD. Respectively, the minimum amount for capital deposits is set at AZN/USD 500, and for Demand deposits - AZN/USD 100. Take advantage of high-interest deposit accounts.

Birbank Star

With a credit line of up to 30,000 ₼, unlimited cash withdrawals and transfers, up to 30% cashback, and double VAT on QR payments, this is a simple and unique card with numerous benefits.​

  • Complex calculations​No
  • Annual interest​No
  • Shopping commission​No
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Birbank Cashback

This card offers you abundant bonuses, fast and easy payment options, free transfers, and cash withdrawals, as well as various other valuable benefits.​

  • Up to 30% cashback <br/>and Double VAT optionBonus
  • up to 63 daysGrace period of
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Birbank Umico

Umico bonuses and 2x VAT on payments​ . The choice of several bonus categories every month, 2x VAT refund on QR payments​

  • Umico bonuses from paymentsCashback
  • FreeCard price
  • Up to 63 daysGrace period
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Birbank Miles

A unique card that gives a bonus of 1 mile per 1 AZN for cashless payments with the card, free air travel, interest-free and commission-free installments.

  • 1 AZN = 1 MileAccumulation of miles
  • FreeCard price
  • Up to 63 daysGrace period
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Birbank Umico

It is a unique card jointly presented by Kapital Bank and Umico, designed for daily shopping, combining credit and installment card opportunities and the opportunity to earn additional Umico bonuses.

  • More Umico bonuses from paymentsCashback
  • FreeCard price
  • Up to 63 daysGrace period
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