Leobank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Leobank packs a fee-free account, a credit card paying Up to 20% cashback and a fixed deposit into a single app for Azerbaijani households. It suits people who want everyday spending, borrowing at 16.93% to 33.25% and saving at 8% to 11% in the same app, with cash withdrawal free at Unibank ATMs and branches.
Key facts
- Best for
- Azerbaijani households wanting fee-free everyday banking, a cashback credit card and a fixed deposit in one app.
- Monthly fee
- AZN 0↗
- Card type
- Debit↗
- Cashback rate
- 20%↗
- Legal entity
- Unibank↗
- Headquarters
- Azerbaijan↗
- Founded
- 2021↗
- Support channels
- Phone, Chat↗
- Features
- Rewards
- Audience
- Kids, Business
- Official website
- leobank.az
Loans
- APR
- 16.93% to 33.25%↗
- Loan amount
- AZN 300 to AZN 50,000↗
- Term
- 12 to 59 months↗
- Arrangement fee
- 0% - 3.5% of loan amount, set individually per customer↗
- Funding time
- Decision within minutes in the Leo app, 24/7; cash withdrawal free at Unibank ATMs and branches↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Azerbaijani citizens aged 18-70 with official income and at least 6 months of work experience↗
- Origination fee (%)
- 0% to 3.5%↗
- Loan types
- Personal, Credit-line↗
- Pricing model
- No annual fee
Credit cards
Savings
- Headline rate
- 8% to 11%↗
- Minimum deposit
- AZN 100↗
- Access terms
- Term 3-24 months, interest paid monthly or at maturity to the Leobank card, renews automatically at the bank's current rate, early closure allowed at a reduced rate↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Cashback rather than points: Up to 20% cashback on the Black card under the rewards feature.
- 62 day grace period and instalment plan on the credit card, so a balance can wait or be repaid in instalments.
- Lending comes straight from the bank as a direct lender, with AZN 300 to AZN 50,000 available over 12 to 59.
- Free early repayment, decisions within minutes in the app, and cash withdrawal free at Unibank ATMs and branches.
Cons
- Borrowing is pricey: 16.93% to 33.25% sits above the 15.5% median across the market.
- The arrangement fee is not published as a single figure, it is 0% - 3.5% of loan amount, set individually per customer.
- Support is limited to phone and chat.
Who it suits
- Azerbaijani citizens with official income and a minimum work history who want spending, borrowing and saving in a single app.
- People who prefer cashback to points: the Black card runs on cashback.
- Households and businesses, since kids and business can open an account here.
Who should look elsewhere
- Readers who want a UK or euro account: bunq prices in euro at a monthly fee of €0 and Wise in UK pounds at £0, while Leobank serves a single market in manat.
- Anyone after a cheaper cost of credit: the market median is 15.5% against 16.93% to 33.25% here, and the Varo Believe Secured Credit Card suits rebuilding US credit instead.
How Leobank compares
8.6 vs 9.4
8.6 vs 9.0
8.6 vs 8.9
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8.6 vs 8.0- 8.6 vs 8.0
Where Leobank is available
- Available
- Azerbaijan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold a Leobank account?+
The account runs on a monthly fee of AZN 0 and the Black card on an annual fee of AZN 0, so everyday banking costs nothing to hold. The card is a credit card on a debit card account, and cash withdrawal is free at Unibank ATMs and branches.
What does the Black card pay back?+
The card pays Up to 20% cashback and the rewards run on cashback, so spending comes back as money rather than points. Cardholders also get 62 day grace period and instalment plan, which means a balance can sit for a grace period or be repaid in instalments.
How much can I borrow and over what term?+
Loan amounts are AZN 300 to AZN 50,000 in manat over terms of 12 to 59, with personal and credit line on offer. The rate is 16.93% to 33.25% and the arrangement fee is 0% - 3.5% of loan amount, set individually per customer, so the repayment figure matters more than the headline.
Can I repay a loan early?+
Yes, early repayment is free, so a personal loan or credit line can be cleared as soon as the money is spare. Lending runs direct from the bank as a direct lender, with no broker step between the application and the decision.
What deposit can I open?+
The deposit is a fixed account at a fixed rate of 8% to 11%, opening from AZN 100. Interest is paid monthly or at maturity to the Leobank card, the term renews automatically at the bank's current rate, and closing early pays a reduced rate.
Who can apply?+
Applications are open to Azerbaijani citizens with official income and a minimum work history. The bank is Unibank, based in Azerbaijan, and kids and business can open an account, so a card for kids or a business account is possible.
How do I get help?+
Help comes by phone and chat, and lending decisions land in the app within minutes, around the clock. That suits readers who want an answer fast, and it means most of the journey runs in the Leo app rather than in a branch.
What sits behind the Leobank brand?+
Leobank is the app of Unibank, headquartered in Azerbaijan and founded in 2021. It bundles a card account, a credit card, personal lending and a fixed deposit, so a reader can keep the whole relationship in a single place.
Sources
- leobank.az/az/about checked September 26, 2026
Backs: Headquarters, Legal entity, Lender type, Support channels
“Leobank Unibank-in teqdim etdiyi yeni mobil bankciliq xidmetidir”
- leobank.az/az/black-card checked September 26, 2026
Backs: Annual fee, Card kind, Card type, Cashback rate, Pricing model, Perks, Rewards rate
“Kart annual service free - Leo Black card free issuance and service”
- leobank.az/az/cards checked September 26, 2026
Backs: Audience, Monthly fee
“7-18 yas arasi usaqlar ucun maliyye savadliligini oyreden kart - Leo Black kids card”
- leobank.az/az/cash checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%), Term
“Kreditin məbləği 300 AZN - 50 000 AZN”
- leobank.az/az/cashback checked September 26, 2026
Backs: Features, Rewards type
- leobank.az/az/deposit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Depozitin vaxtından əvvəl bağlanması: İcazə verilir (pulun çəkilməsi müddətindən asılı olaraq azaldılmış faiz dərəcəsi tətbiq edilir)”
- unibank.az/ru/aboutBank checked September 26, 2026
Backs: Founded
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Leobank
Azerbaijani households wanting fee-free everyday banking, a cashback credit card and a fixed deposit in one app.