Birbank is a comprehensive digital banking platform developed by Kapital Bank, offering users in Azerbaijan a secure, convenient, and feature-rich way to manage their finances. From instant payments and transfers to cashback rewards and VAT refunds, Birbank empowers users to take full control of their banking needs—anytime, anywhere. Whether you're paying bills, applying for a loan, or shopping with contactless payments, Birbank delivers a seamless and rewarding financial experience.
All-in-One Digital Banking
- Access a full suite of banking services from your smartphone.
- Apply for cash loans and installment cards 24/7 without visiting a branch.
- Manage your debit and credit cards, view balances, and monitor transactions.
- Track loan and deposit accounts, and pay off credit debts through your personal dashboard.
- Adjust card settings such as PIN changes, SMS banking, 3D Secure, and daily limits.
Fast and Secure Payments
- Pay bills and services without leaving home.
- Make mobile payments to Azercell, Bakcell, Nar, and more.
- Settle utility bills for Azərişıq, Azərsu, and Azəriqaz.
- Pay for internet, TV, and telephone services including Aztelecom, BIRLink, AiləTV, and Baktelekom.
- Handle government payments, taxes, and VAT refunds.
- Pay insurance premiums, traffic fines, parking fees, and make donations to foundations.
- Shop on Umico Market and earn bonuses or split payments into installments.
Flexible Money Transfers
- Send and receive money with ease.
- Enjoy free cash withdrawals and transfers using the Birbank Cashback debit card.
- Transfer funds to domestic and international bank cards.
- Use “Cash by Code” for fast, secure withdrawals without a card.
- Send money to other Birbank users via mobile number.
- Access global transfer services like Zolotoya Korona, Western Union, and Xəzri.
Cashback, Bonuses, and Miles
- Earn rewards every time you spend.
- Receive up to 30% cashback on eligible purchases.
- Collect Umico Bonuses and VAT refunds on transactions.
- Accumulate miles for flights with AZAL, Turkish Airlines, and other partners.
- Redeem rewards at partner stores or use them for travel and shopping.
VAT Refund Program
- Get more back from your purchases.
- Use your Birbank Cashback card to earn 35% of VAT back on eligible receipts.
- Scan receipts using the QR Scan feature to credit your refund balance.
- Monitor your VAT refund status and history in the app.
Contactless and Digital Payments
- Pay quickly and safely with modern tools.
- Use NFC to tap and pay at POS terminals.
- Add your Visa or MasterCard to Apple Wallet for seamless Apple Pay transactions.
- Scan QR codes at checkout for secure, contactless payments.
- Enjoy fast, cashless shopping both online and in-store.
Digital Card and ATM Access
- Bank without visiting a branch.
- Instantly issue a Digital Card for online payments and transfers.
- Order physical cards through the app and access ATMs 24/7 for loans or installments.
- Use the app to locate Kapital Bank branches and ATMs nationwide.
- Book appointments online to save time at physical locations.
Partner Network and Additional Services
- Explore exclusive offers and manage more than just banking.
- Discover partner stores and restaurants offering cashback, miles, and installment options.
- Manage Azercell postpaid lines and PAŞA Life insurance accounts.
- Use the SMS Radar feature to stay updated on traffic fines and penalties.
Frequently Asked Questions
Q: Can I apply for a loan through the app?
Yes, you can apply for cash loans and installment cards 24/7 without visiting a branch.
Q: How do I earn VAT refunds?
Use your Birbank Cashback card and scan receipts with QR Scan to receive up to 35% of VAT back.
Q: What payment methods are supported?
You can pay using NFC, Apple Pay, QR Pay, and linked cards or account balances.
Q: Are international transfers available?
Yes, you can send money via systems like Western Union, Zolotoya Korona, and Xəzri.
Q: Can I manage my credit and deposit accounts in the app?
Yes, the app allows full visibility and control over your credit, deposit, and loan accounts.
Version History
v2.59.2 —— 15 Jan 2025
Western Union integration—receive manat transfers with a refreshed interface.
Direct transfers—accept money from Birbank users right from the app’s main page.
v2.58.8 —— 26 Dec 2024
Failed payment insights—view reasons and RRN numbers in the “History” section for easier issue resolution.
BakıKart widget—add to your home screen for quick QR ticket creation.
Card management—close debit cards directly in-app without visiting a branch.
v2.58.5 —— 18 Dec 2024
Same updates as v2.58.8—continued rollout of payment insights, BakıKart widget, and card closure features.
