What is Kapitaı and Why You Should Know About It
If you are looking for a reliable, convenient, and modern bank in Azerbaijan, you should definitely consider Kapitaı. Kapitaı is the first and largest bank in the country, with a history of more than 140 years. It offers a wide range of services and products for both individuals and businesses, as well as innovative solutions for online and mobile banking. In this article, we will tell you everything you need to know about Kapitaı, from its history and achievements, to its benefits and advantages, to how to become a customer and contact them.
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Kapitaı: The First and Largest Bank in Azerbaijan
Kapitaı is not only the first bank in Azerbaijan, but also the largest one in terms of assets, deposits, loans, branches, and customers. It has more than 100 branches and 700 ATMs across the country, as well as more than 4 million customers. It is also a leader in digital banking, with more than 2 million users of its online and mobile platforms. But how did Kapitaı achieve such success? Let's take a look at its history and achievements.
History and Achievements of Kapitaı
Kapitaı was founded in 1874 as the Baku branch of the State Bank of the Russian Empire. It was the first bank in Azerbaijan and the Caucasus region, and played a significant role in the development of the oil industry and trade in the area. After the establishment of the Azerbaijan Democratic Republic in 1918, it became the National Bank of Azerbaijan. In 1920, it was renamed as the Azerbaijan State Bank, and later as the Azerbaijan Republican Bank. In 1992, after the restoration of independence of Azerbaijan, it was reorganized as a joint-stock company under the name of United Universal Joint-Stock Bank (UUB). In 2005, it was acquired by Pasha Holding, a major investment group in Azerbaijan, and rebranded as Kapital Bank. Since then, it has been expanding its network, improving its services, and introducing new technologies. Some of its notable achievements are:
In 2007, it launched Birbank, the first mobile banking application in Azerbaijan.
In 2008, it became the first bank in Azerbaijan to issue Mastercard cards.
In 2010, it became the first bank in Azerbaijan to join SWIFTNet InterAct.
In 2011, it became the first bank in Azerbaijan to offer contactless payments.
In 2012, it became the first bank in Azerbaijan to issue Visa cards.
In 2014, it became the first bank in Azerbaijan to offer biometric identification.
In 2015, it became the first bank in Azerbaijan to launch an online loan platform.
In 2016, it became the first bank in Azerbaijan to offer voice recognition.
In 2017, it became the first bank in Azerbaijan to launch a chatbot.
In 2018, it became the first bank in Azerbaijan to offer QR code payments.
In 2019, it became the first bank in Azerbaijan to launch a cashback card.
In 2020, it became the first bank in Azerbaijan to join ESG-linked syndicated loan facility.
In 2021, it won several prestigious international awards for its excellence in banking.
Services and Products Offered by Kapitaı Services and Products Offered by Kapitaı
Kapitaı offers a wide range of services and products for both individuals and businesses, covering various aspects of banking and finance. Some of the main categories of services and products are:
Deposits and Savings: Kapitaı offers various types of deposits and savings accounts, such as current accounts, term deposits, savings accounts, pension accounts, and child accounts. These accounts offer attractive interest rates, flexible terms, and security for your money.
Cards and Payments: Kapitaı offers various types of cards and payment methods, such as debit cards, credit cards, prepaid cards, gift cards, cashback cards, contactless cards, QR code payments, and mobile payments. These cards and payments offer convenience, security, and rewards for your transactions.
Loans and Credits: Kapitaı offers various types of loans and credits, such as consumer loans, car loans, mortgage loans, business loans, overdrafts, and credit lines. These loans and credits offer competitive interest rates, easy application, and fast approval for your needs.
Investments and Insurance: Kapitaı offers various types of investments and insurance products, such as mutual funds, bonds, stocks, gold, foreign currency, life insurance, property insurance, health insurance, and travel insurance. These investments and insurance products offer profitability, diversification, and protection for your assets.
Digital Banking: Kapitaı offers various types of digital banking solutions, such as online banking, mobile banking, SMS banking, chatbot banking, voice banking, biometric banking, and video banking. These digital banking solutions offer accessibility, functionality, and innovation for your banking experience.
Benefits and Advantages of Banking with Kapitaı
Banking with Kapitaı has many benefits and advantages for you as a customer. Some of the main benefits and advantages are:
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Reliability: Kapitaı is a trustworthy and reputable bank that has been operating for more than 140 years. It is regulated by the Central Bank of Azerbaijan and adheres to the highest standards of corporate governance and social responsibility. It is also rated by international rating agencies such as Moody's and Fitch.
Convenience: Kapitaı is a convenient bank that has a wide network of branches and ATMs across the country. It also has a user-friendly website and mobile application that allow you to access your accounts and perform transactions anytime and anywhere. It also has a 24/7 customer service center that can assist you with any inquiries or issues.
Modernization: Kapitaı is a modern bank that constantly introduces new technologies and innovations to improve its services and products. It is a leader in digital banking in Azerbaijan and offers many features such as contactless payments, QR code payments, voice recognition, biometric identification, chatbot banking, video banking, etc.
Personalization: Kapitaı is a personalized bank that caters to your specific needs and preferences. It offers various tariff packages and fees for different types of accounts and services. It also offers customized solutions for different segments of customers such as students, pensioners, women entrepreneurs, etc.
Rewards: Kapitaı is a rewarding bank that gives you various incentives and bonuses for using its services and products. It offers cashback programs for cardholders, loyalty programs for depositors, referral programs for customers who invite their friends or relatives to join the bank etc.
How to Become a Customer of Kapitaı
If you are interested in becoming a customer of Kapitaı If you are interested in becoming a customer of Kapitaı, you need to follow some simple steps and procedures. Here is what you need to do:
Requirements and Procedures for Opening an Account
To open an account with Kapitaı, you need to meet some basic requirements and provide some documents. The requirements are:
You must be at least 18 years old.
You must be a citizen or a resident of Azerbaijan.
You must have a valid ID card or passport.
You must have a mobile phone number and an email address.
The documents you need to provide are:
A copy of your ID card or passport.
A copy of your utility bill or bank statement as proof of address.
A copy of your tax identification number (TIN) if you are a business customer.
The procedures for opening an account are:
Visit any branch of Kapitaı and fill out an application form.
Submit your documents and sign the contract.
Choose your tariff package and pay the service fee if applicable.
Receive your account number, card, and PIN code.
Tariff Packages and Fees for Different Types of Accounts
Kapitaı offers different tariff packages and fees for different types of accounts and services. You can choose the one that suits your needs and preferences. Here is a table that summarizes the main features and fees of the tariff packages for individual customers:
Tariff PackageMonthly FeeCard TypeCashback RateInterest RateFree Transactions
BirKart Classic2 AZNMastercard Standard1%0%5
BirKart Gold5 AZNMastercard Gold2%0.5%10
BirKart Platinum10 AZNMastercard Platinum3%1%15
BirKart Infinite20 AZNMastercard Infinite4%1.5%20
BirKart Black Edition50 AZNMastercard Black Edition5%2%Unlimited
Note: The fees and rates are subject to change. Please check the official website of Kapitaı for the latest information.
How to Use the Online and Mobile Banking Platforms of Kapitaı
Kapitaı offers online and mobile banking platforms that allow you to access your accounts and perform transactions anytime and anywhere. To use these platforms, you need to register and activate them. Here is how to do it:
Online Banking Platform (Birbank)
Visit the official website of Kapitaı and click on "Birbank" in the top menu.
Select "Register" and enter your card number, expiry date, and CVV code.
Create a username and password, and confirm them with an SMS code.
Login with your username and password, and enjoy the online banking services.
Mobile Banking Platform (Birbank App)
Download the Birbank app from the App Store or Google Play Store on your smartphone or tablet.
Select "Register" and scan your card with your device's camera, or enter your card number, expiry date, and CVV code manually.
Create a username and password, and confirm them with an SMS code.
Login with your username and password, or use biometric authentication (fingerprint or face recognition), and enjoy the mobile banking services.
How to Contact and Connect with Kapitaı How to Contact and Connect with Kapitaı
If you have any questions, feedback, or complaints about Kapitaı, you can contact and connect with them through various channels. Here are some of the ways you can reach them:
Branches and ATMs of Kapitaı
Kapitaı has more than 100 branches and 700 ATMs across the country, where you can visit and talk to their staff, make deposits and withdrawals, pay bills, and perform other transactions. You can find the nearest branch or ATM to your location by using the online map on their website, or by calling their hotline at *9191.
Customer Service and Support Channels of Kapitaı
Kapitaı has a 24/7 customer service center that can assist you with any inquiries or issues. You can contact them by phone at *9191 or +994 12 310 09 19, by email at info@kapitalbank.az, by online chat on their website, or by filling out a feedback form on their website. You can also visit their FAQ section on their website to find answers to common questions.
Social Media and News Updates from Kapitaı
Kapitaı is active on social media platforms such as Facebook, Instagram, Twitter, YouTube, LinkedIn, and Telegram, where you can follow them and get the latest news, updates, promotions, and tips from them. You can also subscribe to their newsletter on their website to receive email notifications about their offers and events.
Conclusion
Kapitaı is a bank that you should know about if you are looking for a reliable, convenient, and modern bank in Azerbaijan. It is the first and largest bank in the country, with a history of more than 140 years. It offers a wide range of services and products for both individuals and businesses, as well as innovative solutions for online and mobile banking. It also has many benefits and advantages for its customers, such as reliability, convenience, modernization, personalization, and rewards. To become a customer of Kapitaı, you need to meet some requirements and provide some documents, choose your tariff package and pay the service fee if applicable, and register and activate your online and mobile banking platforms. To contact and connect with Kapitaı, you can visit their branches and ATMs, call their customer service center, email them, chat with them online, fill out a feedback form, follow them on social media, or subscribe to their newsletter. We hope this article has given you a comprehensive overview of Kapitaı and why you should know about it.
FAQs
Q: What is the official website of Kapitaı?
A: The official website of Kapitaı is
Q: What are the working hours of Kapitaı branches?
A: The working hours of Kapitaı branches are from Monday to Friday from 9:00 to 18:00, and on Saturday from 10:00 to 16:00.
Q: How can I check my account balance with Kapitaı?
A: You can check your account balance with Kapitaı by using your online or mobile banking platforms (Birbank), by calling *9191 or +994 12 310 09 19, or by visiting any branch or ATM.
Q: How can I transfer money to another account with Kapitaı?
A: You can transfer money to another account with Kapitaı by using your online or mobile banking platforms (Birbank), by visiting any branch or ATM, or by using the SWIFT system for international transfers.
Q: How can I apply for a loan or credit card with Kapitaı?
A: You can apply for a loan or credit card with Kapitaı by using their online loan platform (Kredit24), by visiting any branch or ATM, or by calling *9191 or +994 12 310 09 19.
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