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Term

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Table

AZN USD EUR
6 month 7 % 2.2 % -
12 month 9.5 % 3 % 0.1 %
18 month 9 % 3 % -
24 month 9 % 3 % -
AZN USD EUR
6 month 6 % 2 % -
12 month 9 % 2.5 % -
18 month 8.5 % 2.8 % -
24 month 8.5 % 2.8 % -

Note: It is also possible to place insured deposit in USD currency with an interest rate of 2.5% for a period of 12 months and more.


The "Term" deposit in AZN is expired in 12, 18 and 24 month. From 24.05.2024 they will be automatically extended for the same period at the standard interest rate mentioned in the table above. For 12, 18 and 24 months, the monthly interest rate on the “Term” deposit in USD currency will be 3%, at the end of the term 3.2%.






Gifts and bonuses
With monthly withdrawal of accrued interest, depending on the amount of the deposit, various gift cards are available.
UCard
UCard
For deposits in the amount of
1 000 – 20 000 AZN / USD
Mastercard Black Edition
Mastercard Black Edition
For deposits over 20 001 AZN / USD / EUR

Deposit guaranteed loan

— The amount – max 80% of the deposit amount.
— The annual rate of interest – the rate of interest of your deposit + 3% in national currency/ + 3% in foreign currency.
— The payment timetable – annuity-based.
— Term: maximum up to the end of the deposit.

*1% loan processing fee is charged for the deposit guaranteed loan.
— The amount – max 80% of the deposit amount;
— The annual rate of interest – the rate of interest of your deposit +3% in national currency/ + 3% in foreign currency;
— The payment timetable – free;
— Term: maximum up to the end of the deposit.

*1% loan processing fee is charged for the deposit guaranteed loan.
— The amount – max 60% of the deposit amount;
— The annual rate of interest – the rate of interest of your deposit +3% (when in AZN: min 12%) / +3% in foreign currency;
— With a condition of no more than 20,000 AZN;
— Term: maximum until the end of the deposit term (max. no more than 24 months);
— Card price: free.


1% loan processing fee is charged for the deposit guaranteed loan.
Annuity-based cash loan
— The amount – max 80% of the deposit amount.
— The annual rate of interest – the rate of interest of your deposit + 3% in national currency/ + 3% in foreign currency.
— The payment timetable – annuity-based.
— Term: maximum up to the end of the deposit.

*1% loan processing fee is charged for the deposit guaranteed loan.
Cash loan with a free timetable
— The amount – max 80% of the deposit amount;
— The annual rate of interest – the rate of interest of your deposit +3% in national currency/ + 3% in foreign currency;
— The payment timetable – free;
— Term: maximum up to the end of the deposit.

*1% loan processing fee is charged for the deposit guaranteed loan.
Card loan
— The amount – max 60% of the deposit amount;
— The annual rate of interest – the rate of interest of your deposit +3% (when in AZN: min 12%) / +3% in foreign currency;
— With a condition of no more than 20,000 AZN;
— Term: maximum until the end of the deposit term (max. no more than 24 months);
— Card price: free.


1% loan processing fee is charged for the deposit guaranteed loan.
Annuity-based cash loan
— The amount – max 80% of the deposit amount.
— The annual rate of interest – the rate of interest of your deposit + 3% in national currency/ + 3% in foreign currency.
— The payment timetable – annuity-based.
— Term: maximum up to the end of the deposit.

*1% loan processing fee is charged for the deposit guaranteed loan.
Cash loan with a free timetable
— The amount – max 80% of the deposit amount;
— The annual rate of interest – the rate of interest of your deposit +3% in national currency/ + 3% in foreign currency;
— The payment timetable – free;
— Term: maximum up to the end of the deposit.

*1% loan processing fee is charged for the deposit guaranteed loan.
Card loan
— The amount – max 60% of the deposit amount;
— The annual rate of interest – the rate of interest of your deposit +3% (when in AZN: min 12%) / +3% in foreign currency;
— With a condition of no more than 20,000 AZN;
— Term: maximum until the end of the deposit term (max. no more than 24 months);
— Card price: free.


1% loan processing fee is charged for the deposit guaranteed loan.

Calculator

6 month
Total amount
0 AZN
Monthly profit
0 AZN
Annual interest
0 %

Premature withdrawal of deposit

a) If the term up to 0-90 days, the withdrawal of the deposit will be with the annual interest rate 0(zero);

b) If the term up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 20% of the annual interest rate;

c) If the term up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate;

d) If the term more than 361 days, the withdrawal of the deposit will be at an interest rate of 40% of annual interest rate;


In case of a premature withdrawal of a deposit for a period 6 months, a fee in the amount of 10 AZN is charged for the "Cash and Settlement Operations".

1, 3, 6, 9, 12, 18, 24 monthly withdrawal

a) If the term up to 0-90 days, the withdrawal of the deposit will be with the annual interest rate 0(zero);

b) If the term up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 20% of the annual interest rate;

c) If the term up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate;

d) If the term more than 361 days, the withdrawal of the deposit will be at an interest rate of 40% of annual interest rate;


In case of a premature withdrawal of a deposit for a period 6 months, a fee in the amount of 10 AZN is charged for the "Cash and Settlement Operations".

1, 3, 6, 9, 12, 18, 24 monthly withdrawal

a) If the term up to 0-90 days, the withdrawal of the deposit will be with the annual interest rate 0(zero);

b) If the term up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 20% of the annual interest rate;

c) If the term up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate;

d) If the term more than 361 days, the withdrawal of the deposit will be at an interest rate of 40% of annual interest rate;


In case of a premature withdrawal of a deposit for a period 6 months, a fee in the amount of 10 AZN is charged for the "Cash and Settlement Operations".

Additional information

- These interest rates are applied when the total amount of deposits per 1 customer is up to 1 million. Higher amounts are set individually with lower interest rates;
- Upper limit of the annual interest rate on insured deposits is 12% in national currency and 2.5% in foreign currency;
Terms of deposit insurance;
- According to the AR Tax Code, after 01.02.2023, 10% of the annual interest income paid on savings, "Topla" and card balances is taxed. According to the legislation, after 01.01.2024 certain privileges is applied in taxing. Details here.


Interest rates for the prolongation of the “Term” type deposits
86.8 kB, 22.01.2024
Notes
- These interest rates are applied when the total amount of deposits per 1 customer is up to 1 million. Higher amounts are set individually with lower interest rates;
- Upper limit of the annual interest rate on insured deposits is 12% in national currency and 2.5% in foreign currency;
Terms of deposit insurance;
- According to the AR Tax Code, after 01.02.2023, 10% of the annual interest income paid on savings, "Topla" and card balances is taxed. According to the legislation, after 01.01.2024 certain privileges is applied in taxing. Details here.


Additional documents
Notes
- These interest rates are applied when the total amount of deposits per 1 customer is up to 1 million. Higher amounts are set individually with lower interest rates;
- Upper limit of the annual interest rate on insured deposits is 12% in national currency and 2.5% in foreign currency;
Terms of deposit insurance;
- According to the AR Tax Code, after 01.02.2023, 10% of the annual interest income paid on savings, "Topla" and card balances is taxed. According to the legislation, after 01.01.2024 certain privileges is applied in taxing. Details here.


Additional documents
UTM and branch network

Addresses of branches and UTMs, as well as working hours and other detailed information.

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