Kapital Bank

Founded 1874

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Retail Banking

With our exclusive, client-focused solutions,
we bring your ambitions closer to reality.

By simplifying financial reachability,
we help our customers save smarter,
earn more, and move closer to their goals

Tailored for Every Customer

Tailored for Every Customer

We tailor every experience to fit the unique needs of our customers. By leveraging behavioral insights and data-driven models, we deliver personalized offers and targeted campaigns that resonate. This approach allows us to strengthen engagement and elevate customer satisfaction.

Across Azerbaijan, from cities to remote regions

Across Azerbaijan, from cities to remote regions

From city centers to remote regions, with 121 branches and 54 service points across the country, we provide on-the-ground support to millions of customers wherever they need us. At the same time, we’re proud to have launched Azerbaijan’s first digital bank. Today, Birbank leads the market with over 3 million active users.

Trusted by a broad
customer network

Our broad customer portfolio with access to an integrated ecosystem,
enable us to expand our capabilities and open new horizons for innovative services.

5M+

Over customers

3M+

active Birbank users

Our strengths define
our difference

  • Driven by Innovation

    Driven by Innovation

    We’re proud to be the first to introduce many of the banking products and services now standard in Azerbaijan. As the country’s first bank and its first digital bank, we continue to lead with bold ideas, smart technology, and a vision for what comes next.

  • Agility

    Agility

    We respond swiftly to change and client needs, powered by an agile mindset and a high-performing team. Our ability to act fast and deliver the right solutions sets us apart in a dynamic market.

  • Customer-Centricity

    Customer-Centricity

    Our customers are at the core of everything we do. We take the time to understand their needs in depth and deliver the right products, services, and solutions. Powered by modern technologies, we continuously elevate the quality and speed of our service.

  • Driving real values

    Driving real values

    We craft services that help reduce unnecessary costs, grow earnings, and support smarter financial decisions every day.

Simplifying  everyday life

Simplifying everyday life

We’re here to make banking part of your daily life by putting your time and comfort first. From card payments to money transfers, we offer smart, seamless banking solutions, anytime, anywhere.

But convenience is just the beginning. We turn everyday spending into valuable bonuses, offer smart savings tips, and strive to be your trusted financial companion in every moment that matters.

Commercial Banking News

Kapital Bank supports the educational and personal development of BEU students

25-11-2025

Kapital Bank supports the educational and personal development of BEU students

Kapital Bank and the Educational Student Loan Fund sign a cooperation memorandum

24-11-2025

Kapital Bank and the Educational Student Loan Fund sign a cooperation memorandum

“Garden of Heroes” project: 543 trees planted in memory of martyrs

CSR

24-11-2025

“Garden of Heroes” project: 543 trees planted in memory of martyrs

Kapital Bank conducts cybersecurity training sessions in Ganja

21-11-2025

Kapital Bank conducts cybersecurity training sessions in Ganja

Kapital Bank at the IX International Banking Forum

21-11-2025

Kapital Bank at the IX International Banking Forum

Red Hearts Foundation’s “Share of Victory” charity campaign reaches its goal

CSR

14-11-2025

Red Hearts Foundation’s “Share of Victory” charity campaign reaches its goal

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