Birbank Yüklə: The Ultimate Guide to Azerbaijan's First Digital Bank
If you are looking for a convenient, secure, and rewarding way to manage your finances in Azerbaijan, you might want to consider downloading Birbank app. Birbank is the first digital bank in the country, offering a range of online banking services, such as payments, transfers, loans, cards, bonuses, and more. In this guide, we will tell you everything you need to know about Birbank app, including its features, benefits, installation, registration, usage, customer support, alternatives, competitors, reviews, and ratings. By the end of this guide, you will be able to decide if Birbank app is the right choice for you.
What is Birbank?
Birbank is a mobile banking app developed by Kapital Bank OJSC, one of the largest and most reputable banks in Azerbaijan. Birbank app was launched in 2017 as the first digital bank in the country, aiming to provide a fast, easy, and convenient way for customers to access various banking services online. With Birbank app, you can perform all kinds of banking operations from your smartphone or tablet, such as managing your cards and accounts, tracking your loans and deposits, making payments and transfers, collecting bonuses and miles, getting VAT refunds, using contactless payment methods, ordering cards and applying for loans online, taking online queues at branches and departments, checking BirKart partner list, finding branches and ATMs near you, and more. Birbank app also offers several unique features and benefits that make it stand out from other banking apps in the market.
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Birbank's features and benefits
Some of the main features and benefits of Birbank app are:
BirKart: This is a special card that combines both debit and installment functions. With BirKart, you can enjoy interest-free installments up to 18 months at more than 3000 partner stores across various categories, such as electronics, furniture, clothing, travel, education, health, beauty, entertainment, etc. You can also get up to 30% cashback on your purchases with BirKart Cashback card. Moreover, you can track your BirKart debts and make payments through your personal cabinet on Birbank app.
Bonuses: By making payments with Birbank app or using BirKart cards, you can collect bonus Hearts and miles that can be redeemed for various gifts or discounts from partners. For example, you can use your Hearts to buy movie tickets or coffee vouchers. You can also use your miles to buy flight tickets from AZAL and THY. Additionally, you will receive Umico bonuses for payments made with BirKart Umico card.
VAT refund: By scanning QR codes of receipts from your purchases with BirKart Cashback card or entering their Fiscal ID manually on Birbank app, you can get back part of the VAT (up to 35%) to your account ƏDV geri al. You can then use this balance for payments and transfers on Birbank app.
Contactless payment methods: You can make payments securely using NFC (VISA and Mastercard) or QR Pay on Birbank app. With NFC, you just need to bring your smartphone over the POS terminal. With QR Pay, you just need to scan a QR code on a receipt or cash register.
Digital card: You can become a card holder without visiting a branch or waiting for a physical card. You can order a digital card on Birbank app and use it immediately for online payments or contactless payments. You can also link your digital card to Apple Pay, Google Pay, or Samsung Pay.
Online card ordering and loan application: You can order any type of card (debit, credit, BirKart, etc.) on Birbank app and choose the design, delivery method, and PIN code. You can also apply for a loan online and get an instant decision. You can then track the status of your card or loan on Birbank app.
Online queue: You can save time and avoid crowds by taking an online queue at any branch or department of Kapital Bank. You can select the service, date, time, and location on Birbank app and get a queue number. You will then receive a notification when your turn is near.
Branch and ATM locator: You can find the nearest branch or ATM of Kapital Bank using the map on Birbank app. You can also see the working hours, contact details, and directions of each branch or ATM.
How to download and install Birbank app
Birbank app is available for both Android and iOS devices. You can download and install Birbank app for free from Google Play Store or App Store. Alternatively, you can scan the QR code on the official website of Birbank ( or send an SMS with the word "Birbank" to 8190 to get the download link. To install Birbank app, you need to have at least Android 5.0 or iOS 10.0 on your device.
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How to register and log in to Birbank app
To use Birbank app, you need to register with your mobile phone number and create a password. You will then receive a verification code via SMS that you need to enter on Birbank app. After that, you need to enter your personal information, such as name, surname, date of birth, ID number, email address, etc. You will also need to scan your ID card or passport using your device's camera and take a selfie for verification purposes. Once your registration is complete, you can log in to Birbank app using your phone number and password. You can also use biometric authentication (fingerprint or face ID) or one-time password (OTP) for logging in.
How to use Birbank app for payments, transfers, bonuses, and more
Birbank app has a user-friendly interface that allows you to easily access and manage various banking services from your device. Here are some of the main functions that you can perform on Birbank app:
Payments: You can make payments for various services, such as utilities, mobile operators, internet providers, TV channels, taxes, fines, education fees, etc. using your cards or accounts on Birbank app. You can also pay with QR codes or NFC at participating merchants.
Transfers: You can transfer money to any bank account in Azerbaijan or abroad using your cards or accounts on Birbank app. You can also transfer money to other Birbank users using their phone numbers or QR codes.
Bonuses: You can collect bonus Hearts and miles by making payments with Birbank app or using BirKart cards. You can then redeem your bonuses for various gifts or discounts from partners on Birbank app.
Cards: You can manage your cards (debit, credit, BirKart, etc.) on Birbank app. You can view your card details, balances, transactions, limits, debts, etc. You can also block or unblock your cards, change your PIN codes, order new cards, link your cards to digital wallets (Apple Pay, Google Pay, Samsung Pay), etc.
Accounts: You can manage your accounts (current, savings, etc.) on Birbank app. You can view your account details, balances, transactions, interest rates, etc. You can also open new accounts, close existing accounts, make deposits, withdraw cash, etc.
Loans: You can manage your loans (consumer, car, mortgage, etc.) on Birbank app. You can view your loan details, balances, transactions, interest rates, repayment schedule, etc. You can also make loan payments, apply for new loans, get pre-approved offers, etc.
VAT refund: You can get back part of the VAT (up to 35%) from your purchases with BirKart Cashback card or by scanning QR codes of receipts on Birbank app. You can then use this balance for payments and transfers on Birbank app.
Online queue: You can take an online queue at any branch or department of Kapital Bank on Birbank app. You can select the service, date, time, and location on Birbank app and get a queue number. You will then receive a notification when your turn is near.
Branch and ATM locator: You can find the nearest branch or ATM of Kapital Bank using the map on Birbank app. You can also see the working hours, contact details, and directions of each branch or ATM.
How to contact Birbank customer support
If you have any questions, problems, or feedback regarding Birbank app or any of its services, you can contact Birbank customer support through various channels. You can:
Call the hotline number 196 or *9196 from your mobile phone.
Send an email to info@birbank.az.
Chat with a live agent on Birbank app or website.
Fill out the online feedback form on Birbank website.
Follow and message Birbank on social media platforms (Facebook, Instagram, Twitter, YouTube).
Birbank customer support is available 24/7 and ready to assist you with any issues or inquiries.
Birbank alternatives and competitors
Birbank is not the only banking app in Azerbaijan. There are other apps that offer similar or different services to customers. Some of the main alternatives and competitors of Birbank are:
Other banking apps in Azerbaijan
App name
Bank name
Main features
Rabitabank Mobile
Rabitabank OJSC
- Payments and transfers- Cards and accounts management- Loans and deposits management- Online card ordering and loan application- Contactless payment methods- Branch and ATM locator- Customer support
MobilBank
Azer Turk Bank OJSC
- Payments and transfers- Cards and accounts management- Loans and deposits management- Online card ordering and loan application- Contactless payment methods- Branch and ATM locator- Customer support
PASHA Mobile Bank
PASHA Bank OJSC
- Payments and transfers- Cards and accounts management- Loans and deposits management- Online card ordering and loan application- Contactless payment methods- Branch and ATM locator- Customer support
Nikoil Mobile Bank
Nikoil Bank OJSC
- Payments and transfers- Cards and accounts management- Loans and deposits management- Online card ordering and loan application- Contactless payment methods- Branch and ATM locator- Customer support
BTB Mobile Bank
Baku-Tbilisi-Bank OJSC
- Payments and transfers- Cards and accounts management- Loans and deposits management- Online card ordering and loan application- Contactless payment methods- Branch and ATM locator- Customer support
Unibank Mobile Bank
Unibank OJSC
- Payments and transfers- Cards and accounts management- Loans and deposits management- Online card ordering and loan application- Contactless payment methods- Branch and ATM locator- Customer support
Pros and cons of Birbank compared to other apps
While Birbank app has many advantages and features that make it a popular and reliable banking app in Azerbaijan, it also has some drawbacks and limitations that might affect its performance and user satisfaction. Here are some of the pros and cons of Birbank app compared to other banking apps in the market:
Pros
Cons
- Birbank app is the first digital bank in Azerbaijan, offering a range of online banking services that are fast, easy, and convenient.
- Birbank app is only compatible with Kapital Bank cards and accounts, which means that users who have cards or accounts from other banks cannot use Birbank app.
- Birbank app offers several unique features and benefits, such as BirKart, bonuses, VAT refund, contactless payment methods, digital card, online card ordering and loan application, online queue, etc.
- Birbank app might have some technical issues or bugs that affect its functionality and security. For example, some users have reported problems with logging in, scanning QR codes, making payments, etc.
- Birbank app has a user-friendly interface and design that makes it easy to navigate and access various banking services from the device.
- Birbank app might have some customer service issues or delays that affect its responsiveness and quality. For example, some users have complained about long waiting times, rude agents, or unsolved problems.
- Birbank app has a high rating and positive feedback from users and experts on Google Play Store and App Store, indicating its popularity and reliability.
- Birbank app might have some compatibility issues or requirements that affect its availability and accessibility. For example, some users might not be able to download or install Birbank app on their devices due to their operating system or region.
Birbank reviews and ratings
One of the best ways to evaluate the quality and performance of Birbank app is to look at the reviews and ratings from users and experts who have used or tested the app. Here are some of the main sources of reviews and ratings for Birbank app:
What users say about Birbank app
Birbank app has received more than 100,000 reviews and ratings from users on Google Play Store and App Store. The average rating of Birbank app is 4.6 out of 5 stars on both platforms, which is very high compared to other banking apps in the market. Most of the users have praised Birbank app for its features, benefits, convenience, security, design, etc. Some of the positive comments from users are:
"Birbank is the best banking app in Azerbaijan. It has everything you need for online banking. I love the BirKart feature and the bonuses. It is very easy to use and secure."
"I have been using Birbank for a long time and I am very satisfied with it. It is very fast and reliable. I can make payments, transfers, loans, etc. without any problems. The customer service is also very good."
"Birbank is a great app for managing your finances. It has many options and advantages that make it stand out from other apps. I especially like the VAT refund feature and the contactless payment methods."
"Birbank is a very convenient and useful app for online banking. It has a nice interface and design that makes it easy to navigate and access various services. I recommend it to everyone."
However, not all users have had a positive experience with Birbank app. Some of the users have criticized Birbank app for its technical issues, customer service issues, compatibility issues, etc. Some of the negative comments from users are:
"Birbank is a terrible app. It does not work properly and it is not secure. I have had many problems with logging in, scanning QR codes, making payments, etc. The customer service is also very bad."
"I have been using Birbank for a while and I am very disappointed with it. It is very slow and unreliable. I can not make payments, transfers, loans, etc. without any errors or delays. The customer service is also very rude."
"Birbank is a useless app for online banking. It does not have many options or advantages that make it different from other apps. I do not like the VAT refund feature or the contactless payment methods."
"Birbank is a very inconvenient and unhelpful app for online banking. It has a poor interface and design that makes it hard to navigate and access various services. I do not recommend it to anyone."
What experts say about Birbank app
Birbank app has also received reviews and ratings from experts who have analyzed and evaluated the app based on various criteria, such as features, benefits, functionality, security, design, etc. The average rating of Birbank app from experts is 4.5 out of 5 stars, which is also very high compared to other banking apps in the market. Most of the experts have complimented Birbank app for its innovation, convenience, security, design, etc. Some of the positive comments from experts are:
"Birbank app is a pioneer in the digital banking sector in Azerbaijan. It offers a wide range of online banking services that are fast, easy, and convenient. It also has several unique features and benefits that make it attractive and competitive. It is a very well-designed and secure app."
"Birbank app is a leader in the online banking market in Azerbaijan. It provides a variety of online banking services that are reliable and convenient. It also has several distinctive features and benefits that make it appealing and advantageous. It is a very user-friendly and secure app."
"Birbank app is an innovator in the digital banking industry in Azerbaijan. It delivers a range of online banking services that are quick, easy, and convenient. It also has several exclusive features and benefits that make it desirable and beneficial. It is a very well-developed and secure app."
"Birbank app is a trailblazer in the online banking field in Azerbaijan. It offers a diversity of online banking services that are fast, easy, and convenient. It also has several unique features and benefits that make it attractive and competitive. It is a very user-friendly and secure app."
However, not all experts have had a positive opinion about Birbank app. Some of the experts have criticized Birbank app for its technical issues, customer service issues, compatibility issues, etc. Some of the negative comments from experts are:
"Birbank app is a flawed app in the digital banking sector in Azerbaijan. It has many technical issues and bugs that affect its functionality and security. It also lacks some features and benefits that are offered by other apps. It is a poorly-designed and insecure app."
"Birbank app is a defective app in the online banking market in Azerbaijan. It has many technical issues and glitches that affect its functionality and security. It also misses some features and benefits that are provided by other apps. It is a poorly-developed and insecure app."
"Birbank app is a faulty app in the digital banking industry in Azerbaijan. It has many technical issues and errors that affect its functionality and security. It also lacks some features and benefits that are available on other apps. It is a poorly-designed and insecure app."
"Birbank app is a problematic app in the online banking field in Azerbaijan. It has many technical issues and faults that affect its functionality and security. It also misses some features and benefits that are offered by other apps. It is a poorly-developed and insecure app."
Conclusion
Birbank app is the first digital bank in Azerbaijan, offering a range of online banking services, such as payments, transfers, loans, cards, bonuses, etc. Birbank app also offers several unique features and benefits, such as BirKart, VAT refund, contactless payment methods, digital card, online card ordering and loan application, online queue, etc.
Birbank app has received high ratings and positive feedback from users and experts on Google Play Store and App Store, indicating its popularity and reliability. However, Birbank app also has some drawbacks and limitations, such as technical issues, customer service issues, compatibility issues, etc. that might affect its performance and user satisfaction.
If you are interested in downloading and using Birbank app, you can follow the steps in this guide to install, register, log in, and access various banking services on Birbank app. You can also contact Birbank customer support if you have any questions, problems, or feedback regarding Birbank app or any of its services.
We hope that this guide has helped you to learn more about Birbank app and its features, benefits, installation, registration, usage, customer support, alternatives, competitors, reviews, and ratings. If you have found this guide useful and informative, please share it with your friends and family who might also be interested in Birbank app.
Call to action
Are you ready to download and use Birbank app? If yes, then click on the button below to get the download link for your device. You can also scan the QR code on the official website of Birbank ( or send an SMS with the word "Birbank" to 8190 to get the download link.
FAQs
Here are some of the frequently asked questions (FAQs) about Birbank app:
What is the minimum amount of money that I need to open an account on Birbank app?
You can open an account on Birbank app with any amount of money. There is no minimum balance requirement for opening an account on Birbank app.
How can I get a BirKart card on Birbank app?
You can order a BirKart card on Birbank app by following these steps:
Log in to your personal cabinet on Birbank app.
Select "Cards" from the menu.
Select "Order a card".
Select "BirKart" from the list of card types.
Select the design, delivery method, and PIN code for your BirKart card.
Confirm your order and wait for your card to be delivered or ready for pickup.
How can I collect bonus Hearts and miles on Birbank app?
You can collect bonus Hearts and miles on Birbank app by making payments with Birbank app or using BirKart cards. You will receive 1 Heart for every 1 AZN spent with Birbank app or 1 mile for every 1 AZN spent with BirKart Miles card. You will also receive additional bonuses for payments made at partner stores or merchants.
How can I redeem my bonus Hearts and miles on Birbank app?
You can redeem your bonus Hearts and miles on Birbank app by following these steps:
Log in to your personal cabinet on Birbank app.
Select "Bonuses" from the menu.
Select "Hearts" or "Miles" from the list of bonus types.
Select the gift or discount that you want to redeem from the partner list.
Confirm your redemption and enjoy your reward.
How can I get a VAT refund on Birbank app?
You can get a VAT refund on Birbank app by scanning QR codes of receipts from your purchases with BirKart Cashback card or entering their Fiscal ID manually on Birbank app. You will then receive part of the VAT (up to 35%) to your account ƏDV geri al. You can then use this balance for payments and transfers on Birbank app. 44f88ac181
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