🏦 Banking & Payments

Azerbaijan's largest bank by customer base, known for its widely used BirBank mobile banking app. About Kapital Bank (BirBank): Kapital Bank is Azerbaijan's largest retail bank, and its BirBank mobile app has become one of the most widely adopted digital banking apps in the country, covering transfers, payments and everyday account management. Key Features: BirBank Mobile App: A polished, widely used app for managing accounts, cards and transfers. P2P Transfers: Quick peer-to-peer money transfers between BirBank users by phone number. Bill and Utility Payments: Pay a wide range of recurring bills directly within the app. Extensive Branch Network: One of the largest branch and ATM networks in Azerbaijan for in-person banking. How to Get Started: Open an account at a Kapital Bank branch, which typically requires identification and residency documentation. Download the BirBank app and link it to your new account. Set up card management, transfers and bill payment features. Use BirBank for day-to-day banking needs going forward. Important Notice: As with other Azerbaijani banks, opening a standard account as a foreign national generally requires a valid residence permit — short-term visitors typically cannot open a full account.

One of Azerbaijan's major commercial banks, offering mobile banking, cards and everyday financial services. About Unibank: Unibank is a well-established Azerbaijani commercial bank offering personal and business banking, with a mobile app covering everyday transactions, card management and bill payments. Key Features: Mobile Banking App: Manage accounts, transfer funds and pay bills directly from a smartphone. Card Issuance and Management: Apply for and manage debit and credit cards through the app. Bill Payment Integration: Pay utility bills, mobile top-ups and other recurring payments within the app. Branch and ATM Network: A physical branch and ATM network across Baku and other cities for in-person services. How to Get Started: Visit a Unibank branch or apply online to open an account, which typically requires identification documents. Download the Unibank mobile app and register using your account details. Set up card management, transfers and bill payment features within the app. Use the app for day-to-day banking, reserving branch visits for more complex services. Important Notice: Opening a full bank account as a foreign national typically requires residency documentation — short-term visitors usually cannot open a standard account without a longer-term visa or residence permit.

A digital wallet and payment app in Azerbaijan for everyday QR payments, transfers and bill payments. About m10: m10 is a digital wallet app operating in Azerbaijan, letting users make QR code payments at retailers, send peer-to-peer transfers and pay bills without necessarily needing a traditional bank account. Key Features: QR Code Payments: Pay at participating retailers by scanning a QR code directly from the app. P2P Transfers: Send money to other m10 users using their phone number. Bill Payment: Pay utility and other recurring bills directly within the app. Wallet Top-Up Options: Add funds to your wallet via linked card or supported top-up points. How to Get Started: Download the m10 app and register with a local phone number. Link a card or use a supported top-up method to add funds to your wallet. Scan a merchant's QR code or transfer to another user's phone number to pay. Use in-app bill payment features for recurring expenses. Important Notice: As a wallet-based service tied to a local phone number, m10 is designed primarily for residents rather than short-term visitors without a local SIM.