Questions from Customers

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  • Man icon Elmir Məmmədov
  • Date: 1 December, 2021
  • Eye icon 8424

What is a guarantee and what is a Kapital Bank guarantee?

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

The guarantees provided by Kapital Bank allow you to cooperate with existing and new counterparties in local and foreign markets, as well as to expand your business and gain new opportunities by launching new projects. Bank guarantees are divided into the following types: 
• Tender guarantee
• Advance guarantee 
• Performance guarantee 
• Payment guarantee 
• Guarantee issued to the customs authorities
• Loan guarantee 
• International guarantees (letter of credit)     
Quality guarantee 
      You can apply online to benefit from Kapital Bank guarantees. Guarantees will be provided to you within 1 business day after registration of your application.

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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