Azerbaijan · Banking & Payments

m10

m10 is a digital wallet from Azerbaijan's Bir ecosystem: QR and bill payments, transfers inside the country, and since July 2026 instant commission-free transfers to cards in over 140 countries.

What it helps with

Sending money homeInstant transfers to cards in 140+ countries.
Paying by QRIn shops and cafés.
Paying billsUtilities and mobile in one app.

About m10:

Money can be sent from the wallet to bank cards abroad, including Türkiye, Georgia, Kazakhstan, Uzbekistan and Ukraine, with zero commission. In Azerbaijan m10 is used for transfers by phone number, QR payments in shops and paying utilities and mobile.

Key Features:

International transfers: To cards in 140+ countries, no commission.
Transfers by phone: Inside Azerbaijan.
QR payments: In shops and cafés.
Bills: Utilities, mobile and internet.

How to Get Started:

Install m10 and register with an Azerbaijani number.
Verify your identity to raise limits.
Top up from a card or terminal.
Pay, send money or transfer abroad.

Before you use it

Fees: Transfers abroad have no commission, but the exchange rate is part of the cost; compare the amount received.
Sign-up: A local number and identification with Azerbaijani documents are needed for full limits.

Local number needed Local ID needed

Frequently Asked Questions

Does m10 work with a foreign bank card in Azerbaijan?: Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is m10 available in English?: Not officially - the interface is mainly in the local language.
Do I need a local phone number to use m10?: Yes, m10 requires a local phone number to register.
Do I need local ID or residency for m10?: Yes, m10 requires local ID or residency status.
Where can I use m10?: iOS · Android
How much does m10 cost?: Free wallet; international transfers without commission (exchange rate applies)