Birbank

Kapital Bank OJSC

About this app

Download the Birbank mobile app to your smartphone, make fast payments with your cards, earn bonuses, and enjoy contactless payments with Apple Pay. Manage your expenses easily with 2x VAT refunds, up to 30% cashback, free cash withdrawals, and commission-free transfers.

APP ADVANTAGES
- Get cash loans and installment cards 24/7 without visiting a branch
- Manage your bank cards and accounts
- Check and track your loan and deposit accounts
- Monitor and pay your credit debts with the Birbank personal cabinet
- Track online currency exchange rates
- Change your PIN, enable SMS banking, 3D secure, and set daily limits.

PAYMENTS

With Birbank, you can make the following payments without leaving your home:

- Mobile payments – Azercell, Bakcell, Nar mobile, etc.

- Utility payments – Azərişıq, Azərsu, Azəriqaz

- Internet providers – Aztelecom, BIRLink, etc.

- TV providers – AiləTV, KATV

- Telephone payments – Aztelekom, Baktelekom

- Government payments – taxes and VAT refunds

- Insurance – PAŞA Sığorta (Pasha Insurance)

- Donations – YAŞAT Foundation, Red Hearts Foundation

- Penalty – BNA, DYP fines

- Loans – Kapital Bank loans, Mortgage, Kontakt Home, Optimal, İrshad

- Parking payments

- Umico Market – earn Umico bonuses and benefit from installment payments.

TRANSFERS
With Birbank, enjoy various transfer options:

- Free cash withdrawals and transfers with the Cashback debit card

- Send money to international and domestic bank cards

- Fast transfers with Cash by Code

-Transfer money to other Birbank users via mobile number

- International transfers via money transfer systems (Zolotoya Korona, Western Union, Xəzri)

BONUSES


-Earn cashback, Umico Bonuses, VAT refunds, or collect miles by making payments. Enjoy discounts at partner stores, installment shopping, and use miles for purchasing tickets with AZAL, THY.

VAT REFUND

- Increase your VAT refund balance with Birbank Cashback card purchases.
- Scan receipts with QR Scan to get 35% of VAT back.

CONTACTLESS PAYMENTS

- NFC: Tap your phone to the POS terminal for payment

- Apple Pay: Add your Visa and MasterCard cards to Wallet for contactless payments

- QR Pay: Make secure payments by scanning the QR code at the checkout

DIGITAL CARD

Get a Digital Card without visiting Kapital Bank branches. Enjoy online payments, free transfers, and more features waiting for you at Birbank.

DIGITAL BANKING
Order any card you wish through the Birbank app and use ATMs 24/7 to access cash loans or installments.

BIRBANK PARTNERS

Explore your preferred stores and restaurants, along with cashback, miles, and installment options on the Birbank partners page.

BRANCHES AND ATMs

Easily locate Kapital Bank branches and ATMs across the country and save time by booking an online appointment.

OTHER SERVICES

Azercell postpaid line, PAŞA Life insurance account management, and the SMS Radar feature to stay informed about fines are also available.

Ratings and reviews

I had to review app as 1 because suddenly since April update it stopped working. It says phone doesn't meet security standards (Error 9), which is not true. It has official ROM and Play Protect is on. Whoever did some code updates in the banking app, messed with and now as user I can't use it. And moreover as many users mentioned app never gives notifications for incoming transfers. Ironically it informs when I make transfers between own cards.

This bank program is honestly one of the worst I’ve used. It’s full of bugs, crashes frequently, and the interface looks like it hasn’t been updated in years. Basic tasks take too long or don’t work at all. In 2025, this kind of user experience is unacceptable — customers expect secure and smooth online banking, not this frustrating mess. Strongly recommend improvements or a complete overhaul.

Edited review to 1 star. The last several months app states S24 Ultra with the latest updates as not meeting to BirBank security standards. Checked PlayProtect 100 times. Run antivirus 100 times. Reset phone and spent half a day restoring accounts/access to other apps. But still, BirBank requires what?Android security updates from September 2025?

What’s new

The app is now even easier to use — we’ve been working on that behind the scene