Completely online in 2 minutes, whenever you want
Instant registration
Without any paperwork
Just verify your identity in the application
Comission rates from 10.9% per month
Depending on the chosen amount and duration
Birbank Spring Lottery – A Gift-Filled Spring Awaits You!
Get a loan in m10, Birbank, or Umico and join the lottery
Join the lottery by obtaining a cash loan or a credit card through online channels between March 11 – May 15.
Loan Calculator
Monthly payment
Commission rate
от 10,9%
Advance paynemt. This is not a public offer. The rate is calculated individually.
20000₼
300₼
35 month
24 month
12 month
59 month
48 month
Amount of loan
Calculate your monthly payment in advance to assess your ability to pay off your debt easily and without delays.
Credit term
5
Cash can be withdrawn without at Kapital Bank ATMs: instructions
4
The whole process will take 2 minutes, everything will be online, and the money will be credited to the account immediately
1
Install the application and go to the credits section
Купите билет
и активируйте QR-код
и активируйте QR-код
3
Go through video verification to get your credit rating
Don't be shy, we won't show it to anyone
2
Before taking a loan
Before taking a loan
How to improve your loan history
Advices by financial experts...
Read in our media
What makes people compose...
Debt management strategy...
Why m10?
Transfers without limits
For all domestic m10 users, all bank card holders, simply everyone!
2% cashback Umico bonuses
Make QR payments in over 20.000 places to get cashback and bonuses
Pay anything
Make countless payments whenever you want, wherever you want, without the need to go anywhere
Convenient cash withdrawal
Withdraw cash via QR from any Kapital Bank ATM
FAQ
Get a loan or a credit card through one of these channels:
• Cash loan: Birbank and m10 apps, birbank.az, kapitalbank.az
• Birbank Star or Birbank installment card: Birbank app, birbank.az, kapitalbank.az
• Umico.az loan
1 chance for every 1000 AZN! Customers who obtain multiple products receive a separate chance for each.
Bonus: Every 1000 AZN is spent on Umico.az with a Birbank card or Umico.az loan earns an additional chance!
What will 100 winners receive?
• 45 winners: 50 AZN Bravo market coupon
• 25 winners: 200 AZN Kontakt Home gift card
• 15 winners: 300 AZN domestic travel package from Paşa Travel
• 10 winners: Apple Watch Series 8
• 4 winners: iPhone 16 Pro
• 1 grand prize winner: Toyota Corolla
Lottery draw: June 5, 2025
Winners will be selected randomly, and the results will be broadcast live on Birbank’s official social media accounts.
“Birbank” is a trademark of “Kapital Bank” OJSC.
“Kapital Bank” OJSC (Baku, Nasimi district, 153 Neftchilar Ave.) operates under Bank License No. 244 dated November 5, 2018.
• Cash loan: Birbank and m10 apps, birbank.az, kapitalbank.az
• Birbank Star or Birbank installment card: Birbank app, birbank.az, kapitalbank.az
• Umico.az loan
1 chance for every 1000 AZN! Customers who obtain multiple products receive a separate chance for each.
Bonus: Every 1000 AZN is spent on Umico.az with a Birbank card or Umico.az loan earns an additional chance!
What will 100 winners receive?
• 45 winners: 50 AZN Bravo market coupon
• 25 winners: 200 AZN Kontakt Home gift card
• 15 winners: 300 AZN domestic travel package from Paşa Travel
• 10 winners: Apple Watch Series 8
• 4 winners: iPhone 16 Pro
• 1 grand prize winner: Toyota Corolla
Lottery draw: June 5, 2025
Winners will be selected randomly, and the results will be broadcast live on Birbank’s official social media accounts.
“Birbank” is a trademark of “Kapital Bank” OJSC.
“Kapital Bank” OJSC (Baku, Nasimi district, 153 Neftchilar Ave.) operates under Bank License No. 244 dated November 5, 2018.
The loan provider is Kapital Bank. We just made it possible to obtain the loan from Kapital Bank through m10.
The fee, if applicable, can be up to 6%, depending on the customer’s credit history and monthly payment amount.
Late payment incurs fines of 0.6-1% of the overdue principal amount per day, depending on the case.
The excess amount is used to pay off the balance without any additional payment charges.
No, only one cash loan in m10 is permitted at a time.
No, altering the payment date is not allowed.
m10 currently does not have such a policy. The bank may withdraw funds from the accounts for the overdue loan.
You can withdraw cash at any Kapital Bank ATM by selecting "Withdraw money," entering the amount, and selecting “generate a QR code”. Then, scan the QR code in the m10 application, enter the code displayed on the screen, and collect your cash. Alternatively you can transfer funds to any domestic bank card.
0.5% commission (min. 1 AZN)
0.5% commission (min. 1 AZN)
Download the app right now and take money for what you want
Find out your credit limit in m10
Download the m10 app
Scan this QR code with your phone to download
