Replace cash and bankcards
With fast and safe wallet
10 000+
Partners
2 500 000+
Downloads
4.9
App rating
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Send or receive money with friends from anywhere
Easy and fast.
Money is transferred instantly.
To card
To m10
To card
To m10
m10 and Milliön are together
No need to stay in que to pay your bills on terminal. Pay online with your phone.
2% cashback
Pay from phone
It is quite easy. Pay without a bankcard or cash at over 10.000 points of sale. And we will immediately return 2% of the spent amount as Umico bonuses.
2% cashback
Tell that you want to pay by m10 and they will serve you.
Need cash?
m10 is your guard
A few simple rules how to protect your money.
What else?
Withdraw at any Kapital Bank ATM.
FAQ
How to register in the m10?
Very easy. It won't take more than 2 minutes!
  1. Find the m10 app in the AppStore or Google Play Market and install it on your smartphone.
  2. Submit your phone number for quick registration.
That's it. You are ready to use your m10.
Where can I pay with m10?
Over 10,000 points of sale support m10 payments. You can find the list of our partners in the mobile app.
Just make purchases with m10 via QR code, and we will return 2% of the spent amount as Umico bonuses.

How can I earn in m10?
You will always earn with m10.
When you pay bills for utility, internet, phone, mobile balance, etc., we will refund 2% to your balance in m10 immediately.
For payments of utilities, internet, phone services, and in stores via QR, we will return 2% of the spent amount as Umico bonuses.
Do you have a limit or commission?
NO limits and NO commissions. You can make any operation, and will be commission-free from our side. Absolutely.
How to create payment template?
We have already done this for you. Now your frequent payments are automatically added to the "My payments" section. You can rename and delete them with ease.
Is it true that money is being stolen from m10?
You can completely trust m10. We apply the latest security technologies to save your money 24/7. Unfortunately, some m10 users have encountered scammers. To protect your money, remember these key rules: do NOT SHARE, TELL, SEND, SHOW
  • number of your bankcard
  • CVV code of your bankcard
  • OTP code (sent via SMS)

By following these simple steps, you can help prevent theft and keep your funds secure.
How to change the number in m10?
Unfortunately, we are not able to change the number, so far. But you can register from another number and use multiple accounts.
Why I was charged when sent money to bankcard?
We have no commission in m10.
But some banks may charge a very little commission fee for transferring money to bankcards. For more details, please contact the bank.
Is a commission applied to transfers in m10?
A 0.5% commission will be applied to each transfer between wallets once the monthly limit of 20,000 AZN is exceeded in a calendar month. This does not apply to transfers to cards. For instance, if you transferred 20,000 AZN in November and then decide to transfer an additional 500 AZN, the commission would be 2.5 AZN.
We are always at your service!
We enjoy communication and ready to answer all your questions and queries.