Thanks to its innovative approach, Kapital Bank offers millions of clients convenient and profitable digital solutions. By making the benefits of the digital world accessible through Birbank, the bank also stands out with initiatives aimed at improving financial literacy. After all, an informed client can turn the opportunities provided into real benefits and adds value to the bank. So, which advantages are especially useful for clients to know about?

Unlimited and commission-free transfers

With nearly 10 million bank cards, transfers to Birbank cards are completely unlimited and free of commission. Birbank users can send any amount to Birbank cards at any time without restrictions. This ensures financial freedom, saves time and money, and allows transfers to be made quickly and efficiently.

Transfers to other banks’ cards

Clients transferring to cards of other local banks can send up to 10,000 AZN of their own funds without paying any commission. This expands the possibilities for managing finances and enables transactions under more favorable conditions, while also providing access to competitive banking services.

Control over financial behavior

Birbank users can not only carry out banking operations through the mobile app but also monitor their limits and expenses. To do this, it is enough to access the card information section. Controlling financial behavior is one of the key steps toward optimizing expenses, and Birbank users have all the necessary tools for this.

Accessible service network

Across the country, there are 1,190 Kapital Bank/Birbank ATMs, ensuring financial accessibility for clients everywhere. At these ATMs, up to 10,000 AZN from Birbank cards can be withdrawn commission-free. ATMs with deposit functionality allow Birbank users to deposit funds without limits and without any commission.

Opportunities and privileges

Holders of Birbank installment cards receive double VAT bonuses when paying via QR, can arrange installments for up to 24 months, and also benefit from a grace period of up to 63 days for transfers and one-time payments with the option of cash withdrawal. The Birbank Star credit card gives its holder financial freedom: any expenses made during the month can be repaid within the same month without additional fees.

A simple and convenient way to become a Birbank user

Birbank cards can be obtained on the website birbank.az, at certain supermarkets, through the “Wolt” app, in partner stores, and at special stands in large shopping centers. Getting a card and activating it in the Birbank app is easy and convenient, and by becoming a bank user, you open the door to all the opportunities of the digital financial world.

Birbank, the trademark of Kapital Bank and a provider of the latest digital innovations and banking products, serves its customers through a mobile application with more than 3 million active users, as well as the largest branch network in Azerbaijan, consisting of 115 branches and 50 service offices. Until 2025, the bank operated under the name Kapital Bank, the country’s first bank and it’s a part of PASHA Holding. Kapital Bank continues its activities as a financial institution. For more information about the bank’s products and services, you can visit birbank.az call the 196 Information Center, or reach out through the bank’s various social media pages.