Azerbaijan · Banking & Payments

Unibank

One of Azerbaijan's major commercial banks, offering mobile banking, cards and everyday financial services.

What it helps with

A local cardDebit and credit.
Paying billsIn the app.
TransfersCard to card.

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.

Before you use it

Sign-up: Foreigners open an account with a passport and a temporary or permanent residence permit.
Payment: A local card avoids foreign-card fees when paying in manat.

Local number needed Local ID needed

Frequently Asked Questions

Does Unibank 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 Unibank available in English?: Not officially - the interface is mainly in the local language.
Do I need a local phone number to use Unibank?: Yes, Unibank requires a local phone number to register.
Do I need local ID or residency for Unibank?: Yes, Unibank requires local ID or residency status.
Where can I use Unibank?: iOS · Android
How much does Unibank cost?: Free app; fees per bank tariff