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

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

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

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

Financial

30-09-2025

Kapital Bank is at Sibos 2025, kicking off high-level meetings with global banking leaders

Innovation

03-09-2025

Baku ICPC 2025: Kapital Bank takes part in a global programming project

ESG

16-11-2024

Kapital Bank’s COP29 Agenda: Continuing to create new perspectives for a green future

ESG

19-04-2024

Global Finance Names the Innovators 2024: Kapital Bank has been awarded the prestigious “Best Use of AI in Digital Transformation” award

CSR

11-03-2024

With the support of the Red Hearts Foundation, the social project "The dance language of Body" continues successfully

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