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Müddətli Depozit

Open a deposit account and increase your money!

Period
24
ayadək
Annual interest rate
11.5%
-dək
Minimal amount
500
AZN / EUR / USD

Table

Promotion At the end of period Monthly
Promotion At the end of period Monthly

Müddətin sonunda

AZN USD EUR
3 month 8 % - -
6 month 9.5 % 3 % -
12 month 11 % 4.5 % 0.1 %
18 month 11.5 % 3.2 % -
24 month 11.5 % 3.2 % -

Ayda bir dəfə

AZN USD EUR
3 month 7 % - -
6 month 9 % 2.5 % -
12 month 10 % 4 % -
18 month 11 % 3 % -
24 month 10.5 % 3 % -
AZN USD EUR
3 month 8 % - -
6 month 9 % 3 % -
12 month 9 % 4.5 % 0.1 %
18 month 10 % 3.2 % -
24 month 9.5 % 3.2 % -
AZN USD EUR
3 month 7 % - -
6 month 8 % 2.5 % -
12 month 8 % 4 % -
18 month 9 % 3 % -
24 month 9 % 3 % -

Note: It is also possible to place insured deposit in USD currency with an interest rate of 2.5% for a period of 6, 12 months and more.

"Term" deposits in AZN currency that have expired and are being prolonged will be renewed with the standard interest rates.

The promotion is valid from December 3, 2025 to January 7, 2026 (the final day is January 7, 2026). New deposits are opened under the terms of the promotion.




Gifts and bonuses
With monthly withdrawal of accrued interest, depending on the amount of the deposit, gift card 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

Annuity-based cash loan Cash loan with a free timetable Card 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

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

Premature withdrawal of deposit

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

1.  If the term up to 0-90 days, the withdrawal of the deposit will be with the annual interest rate 0(zero);
2. If the term up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 10% of the annual interest rate;
3. If the term up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 20% of annual interest rate;
4. If the term more than 361 days, the withdrawal of the deposit will be at an interest rate of 25% of annual interest rate;


In case of a premature withdrawal of a deposit for a period 3 and 6 months, a fee in the amount of 10 AZN/USD is charged for the "Cash and Settlement Operations".

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

1.  If the term up to 0-90 days, the withdrawal of the deposit will be with the annual interest rate 0(zero);
2. If the term up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 10% of the annual interest rate;
3. If the term up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 20% of annual interest rate;
4. If the term more than 361 days, the withdrawal of the deposit will be at an interest rate of 25% of annual interest rate;


In case of a premature withdrawal of a deposit for a period 3 and 6 months, a fee in the amount of 10 AZN/USD is charged for the "Cash and Settlement Operations".

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

1.  If the term up to 0-90 days, the withdrawal of the deposit will be with the annual interest rate 0(zero);
2. If the term up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 10% of the annual interest rate;
3. If the term up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 20% of annual interest rate;
4. If the term more than 361 days, the withdrawal of the deposit will be at an interest rate of 25% of annual interest rate;


In case of a premature withdrawal of a deposit for a period 3 and 6 months, a fee in the amount of 10 AZN/USD is charged for the "Cash and Settlement Operations".

Additional information

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.


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.


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.



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