---
title: Retail Banking
---
## Kapital Bank
## Founded 1874
0% 25% 50% 100%
[](https://kapital.bank/en/solutions/retail-banking)
### Retail Banking
[](https://kapital.bank/en/solutions/corporate-banking)
### Corporate banking
[](https://kapital.bank/en/solutions/private-banking)
### Private Banking
### [Who we are](https://kapital.bank/en/who-we-are)
- [About](https://kapital.bank/en/who-we-are/about)
- [ESG Approach](https://kapital.bank/en/who-we-are/esg-approach)
- [Our History](https://kapital.bank/en/who-we-are/our-history)
- Corporate governance
- [Values](https://kapital.bank/en/who-we-are/about/our-values)
- [Strategy](https://kapital.bank/en/who-we-are/about/our-strategy)
- [Ratings](https://kapital.bank/en/who-we-are/about/our-ratings)
- [Reports](https://kapital.bank/en/who-we-are/about/our-reports)
- [Bonds](https://kapital.bank/en/who-we-are/about/our-bonds-2)
- [Shares](https://kapital.bank/en/who-we-are/about/our-shares)
- [Corporate details](https://kapital.bank/en/who-we-are/about/corporate-details)
- [Shareholders’ Meeting](https://kapital.bank/en/who-we-are/about/shareholders-meeting)
- [Correspondent Accounts](https://kapital.bank/en/who-we-are/about/correspondent-accounts)
- [Environmental](https://kapital.bank/en/who-we-are/esg-approach/environmental)
- [Social](https://kapital.bank/en/who-we-are/esg-approach/social)
- [Governance](https://kapital.bank/en/who-we-are/managment/our-leaders)
- [ESG reporting center](https://kapital.bank/en/who-we-are/esg-approach/esg-reporting-center)
- [Our Leaders](https://kapital.bank/en/who-we-are/managment/our-leaders)
- [Committees, Commissions and Groups](https://kapital.bank/en/who-we-are/managment/committees-commissions-groups)
- [Compliance](https://kapital.bank/en/who-we-are/managment/compliance)
- [Risk Management](https://kapital.bank/en/who-we-are/managment/risk-management)
- Solutions Back to main menu Solutions
- [Retail Banking](https://kapital.bank/en/solutions/retail-banking)
- [Corporate banking](https://kapital.bank/en/solutions/corporate-banking)
- [Private Banking](https://kapital.bank/en/solutions/private-banking)
- Who we are Back to main menu [Who we are](https://kapital.bank/en/who-we-are)
- About Back to About [About](https://kapital.bank/en/who-we-are/about)
- [Values](https://kapital.bank/en/who-we-are/about/our-values)
- [Strategy](https://kapital.bank/en/who-we-are/about/our-strategy)
- [Ratings](https://kapital.bank/en/who-we-are/about/our-ratings)
- [Reports](https://kapital.bank/en/who-we-are/about/our-reports)
- [Bonds](https://kapital.bank/en/who-we-are/about/our-bonds-2)
- [Shares](https://kapital.bank/en/who-we-are/about/our-shares)
- [Corporate details](https://kapital.bank/en/who-we-are/about/corporate-details)
- [Shareholders’ Meeting](https://kapital.bank/en/who-we-are/about/shareholders-meeting)
- [Correspondent Accounts](https://kapital.bank/en/who-we-are/about/correspondent-accounts)
- ESG Approach Back to ESG Approach [ESG Approach](https://kapital.bank/en/who-we-are/esg-approach)
- [Environmental](https://kapital.bank/en/who-we-are/esg-approach/environmental)
- [Social](https://kapital.bank/en/who-we-are/esg-approach/social)
- [Governance](https://kapital.bank/en/who-we-are/managment/our-leaders)
- [ESG reporting center](https://kapital.bank/en/who-we-are/esg-approach/esg-reporting-center)
- [Our History](https://kapital.bank/en/who-we-are/our-history)
- Corporate governance Back to Corporate governance Corporate governance
- [Our Leaders](https://kapital.bank/en/who-we-are/managment/our-leaders)
- [Committees, Commissions and Groups](https://kapital.bank/en/who-we-are/managment/committees-commissions-groups)
- [Compliance](https://kapital.bank/en/who-we-are/managment/compliance)
- [Risk Management](https://kapital.bank/en/who-we-are/managment/risk-management)
- [Career](https://kapital.bank/en/career)
- [News](https://kapital.bank/en/news)
[AZ](https://kapital.bank/az/hellerimiz/perakende-bankiciliq) [EN](https://kapital.bank/en/solutions/retail-banking)
# Retail Banking
[More](https://birbank.az/)
With our exclusive, client-focused solutions,
we bring your ambitions closer to reality.
## What we offer
[ Cards Seamless and secure payments for your everyday needs.](https://birbank.az/cards/all) [ Loans Flexible financial solutions to help you reach your goals](https://ccl.birbank.az/az/order/GTKR?t=bb) [ Invest Investments are always at your fingertips](https://birbankinvest.az/) [ Bonds Stable and trusted income opportunities with multi-currency investment options](https://birbank.az/istiqraz) [ Savings Grow your money with competitive rates and reliable returns](https://birbank.az/deposits)
## 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 114 branches and 53 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.
[Our financial indicators](https://kapital.bank/en/who-we-are/about/our-reports)
### 5M+
Over customers
### 3M+
active Birbank users
## Our strengths define
our difference
- 
### 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
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
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
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
06-11-2026
### The “Qəhrəmanlar Bağı” initiative implemented in Shaki ahead of Victory Day
[Read more](https://kapital.bank/en/news/the-qehremanlar-bagi-initiative-implemented-in-shaki-ahead-of-victory-day)
21-10-2026
### Artificial Intelligence offers loans to entrepreneurs: How is the future of microbanking changing?
[Read more](https://kapital.bank/en/news/artificial-intelligence-offers-loans-to-entrepreneurs-how-is-the-future-of-microbanking-changing)
19-10-2026
### Kapital Bank finances an energy efficiency project: solar panels are being installed
[Read more](https://kapital.bank/en/news/kapital-bank-finances-an-energy-efficiency-project-solar-panels-are-being-installed)
13-10-2026
### Kapital Bank’s net profit increased by 29.6% in the first 9 months of 2026
[Read more](https://kapital.bank/en/news/kapital-banks-net-profit-increased-by-296-in-the-first-9-months-of-2026)
09-10-2026
### Kapital Bank expands access to international investment markets through bond placement
[Read more](https://kapital.bank/en/news/kapital-bank-expands-access-to-international-investment-markets-through-bond-placement)
05-10-2026
### Kapital Bank holds more than 30 business meetings at Sibos 2026
[Read more](https://kapital.bank/en/news/kapital-bank-holds-more-than-30-business-meetings-at-sibos-2026)
[See More news](https://kapital.bank/en/news)
Other directions [Private Banking See more](https://kapital.bank/en/solutions/private-banking) [Corporate Banking See more](https://kapital.bank/en/solutions/corporate-banking)
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