---
description: Complete your style
title: Birbank Private
---
# Birbank Private
Complete your style
## You can join the Birbank Private service right now.
Ad, Soyad, Ata adı
prefiks 050 051 055 060 099 070 077 010Mobile number
Order a call
## Special Advantages, Advantages Making Difference
If your lifestyle is personal, so should be your bank.
### Personal Assistant
A professional staff member is assigned to answer your questions and provide quick support related to the banking products and services.
### Concierge Service
Our Concierge Service will be active 24/7 to ensure your comfort anywhere in the world.
### Call Center Exclusive For You
An exclusively allocated calling line is available 24/7 for you to make transactions and get other information immediately.
### Unlimited Attention
In the special service center and in all branches of the Bank, you will be able to get the services you desire without any queue and completely promptly.
### Exclusive Banking Products
We enable you to get credit and non-credit products under special terms for you.
### Premium Cards
You can get a 3-year Visa Infinite Miles or MC World Elite Miles card as a gift in the currency of your choice.
## SPECIAL LOAN OFFERS
You can easily get our banking products that meet your many needs, presented to you under terms exclusive to you.
[Private Banking Loan
You can get under the most favorable terms the loan amount offered exclusively to you to achieve your goals.Daha ətraflı](#vip-popup-0)
[Premium Installment card
You can use the premium installment card offering interest-free INSTALLMENTS up to 18 months, the grace period up to 63 days and the option of cashing out at any time.Daha ətraflı](#vip-popup-1)
[Loans Secured by Deposits
You get the opportunity to get a loan or credit line up to 90% of your deposit in the same currency as your deposit or in different currencies.](#vip-popup-2)
[Car Loan
You can take advantage of the car loan under the offered favorable terms.](#vip-popup-3)
[Education Loan
You can get a loan to cover your educational expenses at educational institutions.](#vip-popup-4)
Daha çox Daha az
### Private Banking Loan
#### Annual Interest Rate
- starting from 10.9%
#### Maximum loan duration
59 months
#### Maximum amount of unsecured loan
50 000 AZN
#### Insurance fee and cash-out commission
0%
#### Extra services
Prompt and professional support in your applications for the VIP loan
### Premium Installment card
#### Grace period
Up to 63 days in non-cash and one-time transactions.
#### Partner network
Possibility of installment and one-time payment in the network of more than 7,000 partners.
#### Number of installments
Up to 18 months
#### Cashout option
Withdrawal from ATM at 22% annually
### Loans Secured by Deposits
####
You get the opportunity to get a loan or credit line up to 90% of your deposit in the same currency as your deposit or in different currencies.
### Car Loan
####
You can take advantage of the car loan under the offered favorable terms.
### Education Loan
####
You can get a loan to cover your educational expenses at educational institutions.
## PREMIUM CARDS
We offer premium cards that give you special privileges at any time and anywhere in the world.
## Birbank Visa Infinite
- ### VIP Status
The Birbank Premium Cashback debet card, which includes all the features of Visa cards, is of VIP status.
- ### GIFT
For the Birbank Private package
Notes Advantages Bonus calculation
- As the limit applies per calendar month, it will be updated on the first day of each month,
- In foreign currency cards, the limit will be calculated without commission up to the equivalent of **AZN 5,000**,
- You can withdraw (cash-out) up to AZN 5,000 from your personal funds at Kapital Bank ATMs and transfer them to local bank cards without any charge during the month. If the total amount exceeds AZN 5,000, a commission of 0.5% (min. AZN/USD/EUR 1) will apply for these transactions.
When withdrawing cash from your personal funds at ATMs of other banks within the country, a fixed commission of AZN/USD/EUR 2 will be charged regardless of the amount. Transferring personal funds to local bank cards is free through the Birbank application and Kapital Bank ATMs.
- These terms do not apply to customers applying for cashing from the service network cash desks out of cards that are not physical cards.
- A gift for a 3-year Birbank Private package in the currency of your choice (AZN, USD, EUR);
- VISA concierge service (chat bot),
- 10 free COVID-19 tests, 1 free blood analysis and discount on medical services;
- The opportunity to use the Lounge Key service free of charge 6 times per calendar year in the Business Lounges of airports;
- Unlimited and free Fastline service;
- Opportunity to take advantage of travel insurance and other privileges.
- 6 times a year free transfer to and from Baku Heydar Aliyev Airport.
- Cashing of up to AZN **5,000** per card account a month from ATMs and POS terminals of Kapital Bank (Includes cashing with QR code and Cash by Code services) is commission-free.
- Card-to-card transactions to domestic bank cards from Birbank and Kapital Bank ATMs are commission-free.
- The opportunity to use the 2GB roaming data bundle for up to 30 days 6 times free of charge for Azercell subscribers.
- “Istanbul transfer”: free-of-charge transfer service during departure/arrival at İstanbul (İST) and Sabiha Gökçen (SAW) airports 6 times a year.
- Possibility to benefit from such CIP service advantages as priority parking, passage through the control check in “Baku VIP Lounge” without any queue, individual accompanying to a plane in a premium car, etc.
- Bonus starting from 1.7% (The maximum monthly bonus you can earn is 100 AZN on debit cards and 300 AZN on installment cards).
- Availability of options in «Extra bonus» category
[Daha ətraflı]()
## Birbank Visa Infinite Miles
- ### VIP Status
The Visa Infinite card, which includes all the features of Visa cards, is of VIP status.
- ### GIFT
For the Birbank Private package
Notes Advantages Mileage calculation
- As the limit applies per calendar month, it will be updated on the first day of each month,
- In foreign currency cards, the limit will be calculated without commission up to the equivalent of **AZN 5,000**,
- You can withdraw (cash-out) up to AZN 5,000 from your personal funds at Kapital Bank ATMs and transfer them to local bank cards without any charge during the month. If the total amount exceeds AZN 5,000, a commission of 0.5% (min. AZN/USD/EUR 1) will apply for these transactions.
When withdrawing cash from your personal funds at ATMs of other banks within the country, a fixed commission of AZN/USD/EUR 2 will be charged regardless of the amount. Transferring personal funds to local bank cards is free through the Birbank application and Kapital Bank ATMs.
- These terms do not apply to customers applying for cashing from the service network cash desks out of cards that are not physical cards.
- Miles can only be used for tickets purchased **directly from official airlines**.
- They do not apply to tickets bought through** travel agencies, intermediaries, or aggregator platforms.**
- A gift for a 3-year Birbank Private package in the currency of your choice (AZN, USD, EUR);
- VISA concierge service (chat bot),
- 10 free COVID-19 tests, 1 free blood analysis and discount on medical services;
- The opportunity to use the Lounge Key service free of charge 6 times per calendar year in the Business Lounges of airports;
- Unlimited and free Fastline service;
- Opportunity to take advantage of travel insurance and other privileges.
- 6 times a year free transfer to and from Baku Heydar Aliyev Airport.
- Cashing of up to AZN **5,000** per card account a month from ATMs and POS terminals of Kapital Bank (Includes cashing with QR code and Cash by Code services) is commission-free.
- Card-to-card transactions to domestic bank cards from Birbank and Kapital Bank ATMs are commission-free.
- The opportunity to use the 2GB roaming data bundle for up to 30 days 6 times free of charge for Azercell subscribers.
- “Istanbul transfer”: free-of-charge transfer service during departure/arrival at İstanbul (İST) and Sabiha Gökçen (SAW) airports 6 times a year.
- Possibility to benefit from such CIP service advantages as priority parking, passage through the control check in “Baku VIP Lounge” without any queue, individual accompanying to a plane in a premium car, etc.
- 5,000 miles are given as a gift when using the card for the first time;
- The miles are valid for 3 years (1095 days);
- For domestic and international cashless use 1 AZN = 1 miles;
- Transactions with cards in AZN currency abroad 1 AZN = 1.5 miles, and the opportunity to earn more miles at partners;
- Opportunity to earn more miles at partners (Cashback Percentage / 1.5)
- Exchange of accumulated miles for an airline ticket purchased from any airline, or the Lounge Key service at no additional cost (65 miles = 1 AZN);
- The option of calculating annual mileage interests of up to 2% for deposits based on your personal funds. (1 AZN = 65 Miles)
[Daha ətraflı]()
## Mastercard World Elite Miles
- ### VIP Status
A card type with worldwide recognition, privileges, and elite advantages.
- ### GIFT
Free for the Birbank Private package.
Advantages Notes Mileage calculation
- A gift for a 3-year Birbank Private package in the currency of your choice (AZN, USD, EUR),
- MasterCard concierge service;
- All advantages of MasterCard’s Airport Experiences and Lounge Key Service,
- Free use of MasterCard business lounges;
- MasterCard’s Priceless Advantages Program,
- Within a month, you can transfer up to 10,000 AZN in total from your own funds across all your Birbank cards to local bank cards and withdraw cash at our bank’s ATMs completely free of charge.
- If the total amount exceeds 10,000 AZN, a 1% commission (min. 1 AZN/USD/EUR) will be applied to these transactions.
- The monthly limit is determined individually for each customer. You can find detailed information about your limit in the “Expense Limit” section of the Birbank application.
- As the limit applies per calendar month, it will be updated on the first day of each month;
- In foreign currency cards, the limit will be calculated without commission up to the equivalent of **5,000 AZN**,
- You can withdraw (cash-out) up to AZN 5,000 from your personal funds at Kapital Bank ATMs and transfer them to local bank cards without any charge during the month. If the total amount exceeds AZN 5,000, a commission of 0.5% (min. AZN/USD/EUR 1) will apply for these transactions.
When withdrawing cash from your personal funds at ATMs of other banks within the country, a fixed commission of AZN/USD/EUR 2 will be charged regardless of the amount. Transferring personal funds to local bank cards is free through the Birbank application and Kapital Bank ATMs.
- These terms do not apply to customers applying for cashing from the service network’s cash desks out of cards that are not physical cards.
- Miles can only be used for tickets purchased **directly from official airlines**.
- They do not apply to tickets bought through** travel agencies, intermediaries, or aggregator platforms.**
- 5,000 miles are given as a gift when using the card for the first time;
- The miles are valid for 3 years (1095 days),
- For domestic and internationalcashless use 1 AZN = 1 miles;
- Transactions with cards in AZN currency abroad 1 AZN = 1.5 miles, and the opportunity to earn more miles at partners;
- Exchange of accumulated miles with an airline ticket of any airline (65 miles = 1 AZN);
- The option to calculate mileage interests for deposits on an annual basis based on your personal funds.
[Daha ətraflı]()
## Birbank Visa Infinite Miles Elite Club
The card is available exclusively to customers included in the list provided by PASHA Real Estate Group who meet the product eligibility criteria. At the initial stage, approximately 200–300 customers are expected to benefit from the card, with a total of 500 cards planned for issuance.
The cards will be provided to customers free of charge, and the key terms and conditions will be the same as those applicable to the existing Birbank Visa Infinite Miles product.
Key card terms and conditions: Note
- Card name: Birbank Visa Infinite Miles Elite Club
- Card type: Visa Infinite Miles Elite Club
- Card currencies: AZN / USD / EUR
- Card validity period: 5 years for both resident and non-resident customers
- Annual fee for the primary card: Covered by PASHA Real Estate Group
- Annual fee for an additional card: Covered by PASHA Real Estate Group
- Replacement of a lost or damaged card: Covered by PASHA Real Estate Group
- Loyalty programme terms: The same as those applicable to the Birbank Visa Infinite Miles product
- Other fees and charges: The same as those applicable to Birbank Cashback / Birbank Miles debit cards
A replacement card can only be requested based on an official email sent by PASHA Real Estate Group.
The cards will be issued exclusively to customers included in the list provided by PASHA Real Estate Group and will be available to them free of charge.
[Daha ətraflı]()
## Gift card
If you're looking for a truly unique gift, consider our Birbank Private service package.
## Privileges for the Person Receiving the Gift Card
Give VIP privileges as a gift Special benefits and
exclusive opportunities. This card is the perfect choice for those who want to give a gift.
Gift privileges Activation method Notes
- Concierge service
- Personal assistant
- 24/7 Call center
- Exclusive banking products
- Premium VISA Infinite Card
• Cashback card: Opportunity to earn cashback on daily purchases.
• Miles card: Opportunity to earn miles on travel expenses.
- Scan the QR code on the gift card.
- Fill out the form on the opened page.
- Once your application is confirmed, enjoy the Birbank Private services and the Birbank Premium card with ease.
**[Accept your gift](https://private.birbank.az/muraciet-et)**
- Gift cards can be returned within 14 days
- Services can be activated within 1 year from the date the card is obtained
- In accordance with the legislation of the Republic of Azerbaijan, regulatory legal acts of the regulatory authorities, and international agreements it is a party to, as well as Kapital Bank JSC's risk-based approach, the bank may refuse to provide services.
[Daha ətraflı]()
## INVESTMENT OPPORTUNITIES
We are with you with all our investment opportunities and professional solutions to perfectly manage your assets!
Investment
Use investment opportunities together with us! With our extensive experience in portfolio management, we are able to offer the most suitable investment alternatives for your desires and needs. We are also happy to mediate many of your investment transactions, from information on market trends to underwriting services, from margin trading to bond issuance analysis, and provide professional support.
Capital deposit
Deposit offers in manat or foreign currencies with the options of paying interest monthly or at the end of the term, and reducing or increasing funds according to your choice are suitable for every need.
[Deposit safes
We offer safe deposit boxes to protect and secure your valuables, securities, and cash. This is the most convenient way to protect your valuables.Daha ətraflı](#deposit-popup-2)
Bond
As a Birbank Private client, gain free access to reliable and stable bonds on both the primary and secondary markets. Direct your capital wisely and preserve your income.
### Deposit safes
#### Deposit safes of Birbank Private Mərkəz branch
| Ölçüsü (hündürlüyü - eni - uzunluğu) | Aylıq xidmət haqqı |
| --- | --- |
| 10sm x 40sm x 45sm | 30 AZN |
| 15sm x 40sm x 45sm | 40 AZN |
| 20sm x 40sm x 45sm | 50 AZN |
| 25sm x 40sm x 45sm | 60 AZN |
| 40sm x 40sm x 45sm | 80 AZN |
| 60sm x 40sm x 45sm | 100 AZN |
## News
 
### Birbank Private expands its service network
Designed under a new concept, the branch will operate on weekdays from 9:00 AM to 5:00 PM, providing high-level service in a premium setting.
[Daha ətraflı ](https://private.birbank.az/news/birbank-private-expands-its-service-network)
 
### Birbank Private recognized as “Best Private Banking Azerbaijan” by International Investor Magazine
Published in the United Kingdom, International Investor is a leading voice in the global finance and investment sector, spotlighting innovation, leadership and outstanding performance across the world’s top financial institutions.
[Daha ətraflı ](https://private.birbank.az/news/birbank-private-recognized-as-best-private-banking-azerbaijan-by-international-investor-magazine)
[Bütün xəbərlər](https://private.birbank.az/news)
## SPECIAL OFFERS AND PARTNERS
As a Private Banking customer, get a chance to take advantage of the opportunities offered exclusively to you by our partners.
### Own a premium apartment in Knightsbridge Residence!
### Own a premium apartment in Knightsbridge Residence!
Discounted internal mortgage offer exclusively for Birbank Private customers! Now you can get the apartment you desire not under standard terms, but under discounted Internal Mortgage terms exclusive to you. • Initial Payment — from 20%. • Discounted Terms: 3 years – 5%, 5 years – 5%, 10 years – 7.5%, 15 years – 8.5%, 20 years – 9.5% • Standard Terms: 3 years – 7%, 5 years – 7%, 10 years – 9%, 15 years – 10%, 20 years – 11%
### Concierge Service
Daha ətraflı
### Concierge Service
Now Premium cardholders have the opportunity to solve everyday problems quickly and effortlessly. The Concierge Service with the support of a team of professional assistants will help you 24/7 in solving any issue anywhere in the world. Finding necessary information: (airplane, train, and bus timetable, addresses and telephone numbers of all entities: shops, hospitals, etc.); Performing routine tasks: (booking a table in a restaurant, ordering food, flowers, medicine, collecting and systematizing necessary information, a personal reminder - a reminder of important events: birthday, sports events, doctor's appointment, water delivery, and etc.); Organization of travel (transfer, accommodation, and car rental, assistance in returning lost luggage, route arrangement, and etc.).
### Get a discount up to your age from "Saglam Aile"!
Daha ətraflı
### Get a discount up to your age from "Saglam Aile"!
We are here for you with the Discount up To Your Age service, which we have developed together with the Healthy Family Network. This opportunity is available through the Concierge Service and is intended for Premium cards. Thus, customers get a discount on all services of the network according to their age!
### PASHA Travel
Daha ətraflı
### PASHA Travel
As part of the collaboration between Kapital Bank and PASHA Travel, you can exchange your accumulated miles with your VISA Infinite mile cards in the following categories: • Flight tickets • Hotel booking • Tour booking • Transfer booking • Fast track • CIP/VIP • Visa support You can also benefit from personalized travel consultations with private banking to receive tailored offers.
## CONTACT US
You can visit our Private Banking branch to learn more about our products and services and take advantage of them.
- Ünvan 60 Bulbul avenue, Baku
- İş saatları Monday - Friday 9 AM - 6 PM
- Telefon +994 12 310 15 55
- E-poçt PrivateBanking@kapitalbank.az
## You can join the Birbank Private service right now.
Ad, Soyad, Ata adı
prefiks 050 051 055 060 099 070 077 010Mobile number
Order a call
## You can join the Birbank Private service right now.
Ad, Soyad, Ata adı
prefiks 050 051 055 060 099 070 077 010Mobile number
Order a call Order a call
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təşəkkür edirik!
[Geriyə qayıdın](#advantages)