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PASHA Bank digital deposits review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PASHA Bank digital deposits pay a fixed 9.75% on a term you open inside the mobile app, and the money stays put until the period ends. It suits savers in Azerbaijan with manat or US dollar cash who want the return set in advance and can leave the balance untouched.

Key facts

Best for
A fixed return on manat or US dollar savings you can leave untouched for a chosen term.
Headline rate
9.75%↗
Rate type
Fixed↗
Term
3 to 36 months↗
Minimum deposit
AZN 500↗
Access terms
Digital deposit opened in the PASHA Bank mobile app without visiting a branch; 3-36 month term, interest paid at the end of the period or monthly, AZN and USD↗
Account kind
Fixed↗
Legal entity
PASHA Bank OJSC↗
Headquarters
Azerbaijan↗
Founded
2007↗
Support channels
Phone, Email↗
Pricing model
Fixed rate
Official website
pashabank.az

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
WikidataLinkedInpshb.az

Pros and cons

Pros

  • The rate type is fixed and the term runs 3 to 36, so the return is known as soon as the deposit is opened.
  • Opened in the PASHA Bank mobile app with no branch visit, and interest can be paid monthly or at the end of the period.
  • Money can be placed in manat or US dollars, with a minimum deposit of AZN 500.
  • PASHA Bank OJSC, founded in 2007, is licensed by the Central Bank of the Republic of Azerbaijan.

Cons

  • The balance is committed for a term of 3 to 36 and the account kind is fixed, so the money is tied up until maturity.
  • Support runs on phone and email only, with no live chat or branch counter listed.
PASHA Bank digital deposits

Ready to try PASHA Bank digital deposits?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Savers in AZ holding manat or US dollars who want the return locked in at the start.
  • Customers already set up in the PASHA Bank mobile app and happy to leave money untouched until the term ends.
  • Anyone setting aside a lump sum for a fixed window and willing to take the rate as offered.

Who should look elsewhere

  • Easy access savers, who would rather hold funds with Wise, where the headline rate is 3.29%, than commit to a term.
  • bunq customers who want an everyday balance rather than a fixed placement.

Rates and terms

The headline rate is 9.75% and the rate type is fixed, so the return is set when the deposit is opened rather than moving with market rates later. Terms run 3 to 36, which lets a saver take a shorter window or leave the money away for the longest one available.

How PASHA Bank digital deposits compares

Where PASHA Bank digital deposits is available

Available
Azerbaijan
Licence in Azerbaijan
Central Bank of the Republic of Azerbaijan (250), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I get on a PASHA Bank digital deposit?+

The headline rate is 9.75% and the rate type is fixed, so the return is agreed when the deposit is opened rather than moving afterwards. The account kind is listed as fixed, which means the placement runs for a set period rather than staying open to withdrawals.

How much do I need to put in?+

The minimum deposit is AZN 500. That is the balance asked for before the placement is opened, so a smaller starting pot would need building up first. The deposit is opened from the PASHA Bank mobile app, and terms run 3 to 36.

Do I need to visit a branch to open one?+

No, the deposit is opened in the PASHA Bank mobile app without a branch visit. Once it is open, the term runs 3 to 36, and the money can be held in manat or US dollars. Interest can be paid monthly or at the end of the period.

When is the interest paid?+

Interest can be paid monthly or at the end of the term, so a saver can take income during the period or wait for the whole amount. Because the rate type is fixed, the 9.75% headline rate is what the placement is priced at, and it does not move once the deposit is open.

Who regulates PASHA Bank?+

PASHA Bank OJSC, founded in 2007, is licensed by the Central Bank of the Republic of Azerbaijan, and the bank is based in Azerbaijan. The published details cover the licence and the deposit terms, so it is worth confirming what cover applies to a balance before committing the full amount.

Can I get the money out early?+

The balance is tied to a term of 3 to 36 and the account kind is fixed, so the money is meant to stay until the period ends. The published access terms cover opening and interest timing, so an early withdrawal question is one for the bank, which can be reached on phone and email.

Is this deposit worth it for an ordinary saver?+

It suits people in AZ who hold manat or US dollars, can start from AZN 500, and want the 9.75% headline rate fixed for a term of 3 to 36. Someone who needs to spend from the balance while it is saved would be better served by an easy access account instead.

Sources

  • pashabank.az/en checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Support channels, Licences

    “PASHA Bank" OJSC operating under the license dated 28 November 2007 No 250 issued by the Central Bank of the Republic of Azerbaijan”

  • pashabank.az/en/ferdi-retail-reqemsal-depozit checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term

    “A high-yield deposit you can open without visiting the Bank, simply by downloading the mobile app”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

Related by the facts

PASHA Bank digital deposits

PASHA Bank digital deposits

A fixed return on manat or US dollar savings you can leave untouched for a chosen term.

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