Birbank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For everyday spenders who want global acceptance alongside local support, Birbank links digital banking to 116 branches plus digital centres and departments. Birbank is a digital bank that provides cards, deposits, cash credit and a mobile app for iOS and Android.
Key facts
- Best for
- Everyday spending with worldwide card acceptance
- Legal entity
- Kapital Bank OJSC↗
- Headquarters
- Azerbaijan↗
- Founded
- 2018↗
- Support channels
- Phone, Help-centre↗
- Official website
- birbank.az
Loans
- Loan amount
- up to AZN 80,000↗
- Term
- 48 months↗
- Arrangement fee
- 0% cash-out commission for loans issued online↗
- Funding time
- Fully online, without visiting a branch or queueing↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Ages 18-70; salary or pension recipients; minimum 3 months at current job and 6 months total experience↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Car, Secured, Business↗
Savings
- Headline rate
- 7%↗
- Minimum deposit
- AZN 0↗
- Access terms
- Savings account: add or withdraw funds at any time, interest accrues daily and is paid into the balance↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- facebook.cominstagram.com
Pros and cons
Pros
- Supports international payment systems for payments around the world
- Mobile app is available on both iOS and Android systems
- Provides 116 branches with digital centres and ATM guidance
Cons
- Everyday range centres on cards, deposits and cash credit rather than wider services
- Digital first approach expects comfort with mobile app and online applications
- Branch and ATM help depends on finding a nearby location
Who it suits
- Travellers who want worldwide card payments
- Everyday spenders who prefer app based banking
- Borrowers who prefer fully online credit applications
Who should look elsewhere
- People who want specialist finance beyond everyday banking
- People who avoid mobile apps and online applications
How Birbank compares
Where Birbank is available
- Available
- Azerbaijan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Birbank?+
Birbank is a digital bank that provides cards, deposits and cash credit alongside everyday banking services. It combines app based access with branches, digital centres and departments for in person support.
Where can Birbank cards be used?+
Birbank cards support international payment systems that allow payments around the world. Acceptance therefore follows those systems rather than being limited to local shops.
How does app and online access work?+
The Birbank mobile app is available on iOS and Android and supports deposits and everyday account management. Cash credit can also be arranged fully online without visiting a branch or queueing.
Does Birbank offer deposits and credit?+
Birbank covers deposits for growing savings as well as cash credit for larger needs. Cards, deposits and credit sit together in the same digital banking service with guidance and answers to common questions.
Which company operates Birbank?+
Birbank is operated by Kapital Bank OJSC. (Source, checked September 26, 2026)
Where is Birbank based?+
Birbank is based in Azerbaijan. (Source, checked September 26, 2026)
When was Birbank founded?+
Birbank was founded in 2018. (Source, checked September 26, 2026)
How can I contact Birbank support?+
Birbank offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- birbank.az checked September 26, 2026
Backs: Loan amount, Funding time, Headquarters, Legal entity, Support channels
“153 Neftchilar Ave., Nasimi district, Baku, AZ1010”
- birbank.az/en/kreditler checked September 26, 2026
Backs: Lender type, Loan types
“Meet your financial needs without delay with the range of loans offered by Kapital Bank”
- birbank.az/en/landings/nagd-kredit-kampaniyasi checked September 26, 2026
Backs: Eligibility, Arrangement fee, Origination fee (%), Term
“Onlayn rəsmiləşdirilən kreditlərə nağdlaşdırma komissiyası 0%”
- birbank.az/en/yigim-hesabi checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“It allows you to add funds at any time, in any amount, and grow your savings gradually... the funds in the account can be withdrawn at any time together with the accumulated interest, without any...”
- en.wikipedia.org/wiki/Birbank checked September 26, 2026
Backs: Founded
“Founded: 2018”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee, Rewards type.