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Topla

This is a digital deposit product that allows you to save money by creating a goal at UBank mobile application.

Table

Müddət (ay) AZN
3 ay 6 %
6 ay 7 %
9 ay 8 %
12 ay 9 %

More info


• Minimum amount: 0 AZN (at the time of opening and top-up); 
• Maximum amount: 200 000 AZN (total limit);
• Possibility of creating 3 "Topla" for each period (3 active "Topla" for 3/6/9/12 months);

• Top-up: it is possible to transfer (auto top-up function is also available) any amount using cards of Unibank and other bank cards at UBank mobile application;
• Method of accrual of interest: interest is accrued daily, not capitalized, transferred to the moneybox account only when the goal is reached (term and amount);
• Withdrawal of the amount: at any time (without fee);

• Unibank customers, who have "Topla", can collect faster with the "Rounding" function. This function enables you to transfer amount from 1 to 10 AZN to Topla, by rounding the remaining amount, when you pay through the POS terminal.



Terms of deposit insurance
According to the AR Tax Code, after 01.02.2023, 10% of the annual interest income paid on savings and card balances is taxed.


If to break "Topla" before reaching the goal, the interest will be calculated as follows:

3/6 month:

If Topla has actually lain up to 0-30 days, the withdrawal will be with the annual interest rate 0(zero);
If Topla has actually lain up to 31-90 days, the withdrawal will be at an interest rate of 20% of the annual interest rate;
If Topla has actually lain up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate.


9/12 month:

If Topla has actually lain up to 0-90 days, the withdrawal will be with the annual interest rate 0(zero);
If Topla has actually lain up to 91-180 days, the withdrawal will be at an interest rate of 20% of the annual interest rate;
If Topla has actually lain up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate.




General info

• Minimum amount: 0 AZN (at the time of opening and top-up); 
• Maximum amount: 200 000 AZN (total limit);
• Possibility of creating 3 "Topla" for each period (3 active "Topla" for 3/6/9/12 months);

• Top-up: it is possible to transfer (auto top-up function is also available) any amount using cards of Unibank and other bank cards at UBank mobile application;
• Method of accrual of interest: interest is accrued daily, not capitalized, transferred to the moneybox account only when the goal is reached (term and amount);
• Withdrawal of the amount: at any time (without fee);

• Unibank customers, who have "Topla", can collect faster with the "Rounding" function. This function enables you to transfer amount from 1 to 10 AZN to Topla, by rounding the remaining amount, when you pay through the POS terminal.



Terms of deposit insurance
According to the AR Tax Code, after 01.02.2023, 10% of the annual interest income paid on savings and card balances is taxed.


If to break "Topla" before reaching the goal, the interest will be calculated as follows:

3/6 month:

If Topla has actually lain up to 0-30 days, the withdrawal will be with the annual interest rate 0(zero);
If Topla has actually lain up to 31-90 days, the withdrawal will be at an interest rate of 20% of the annual interest rate;
If Topla has actually lain up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate.


9/12 month:

If Topla has actually lain up to 0-90 days, the withdrawal will be with the annual interest rate 0(zero);
If Topla has actually lain up to 91-180 days, the withdrawal will be at an interest rate of 20% of the annual interest rate;
If Topla has actually lain up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate.




General info

• Minimum amount: 0 AZN (at the time of opening and top-up); 
• Maximum amount: 200 000 AZN (total limit);
• Possibility of creating 3 "Topla" for each period (3 active "Topla" for 3/6/9/12 months);

• Top-up: it is possible to transfer (auto top-up function is also available) any amount using cards of Unibank and other bank cards at UBank mobile application;
• Method of accrual of interest: interest is accrued daily, not capitalized, transferred to the moneybox account only when the goal is reached (term and amount);
• Withdrawal of the amount: at any time (without fee);

• Unibank customers, who have "Topla", can collect faster with the "Rounding" function. This function enables you to transfer amount from 1 to 10 AZN to Topla, by rounding the remaining amount, when you pay through the POS terminal.



Terms of deposit insurance
According to the AR Tax Code, after 01.02.2023, 10% of the annual interest income paid on savings and card balances is taxed.


If to break "Topla" before reaching the goal, the interest will be calculated as follows:

3/6 month:

If Topla has actually lain up to 0-30 days, the withdrawal will be with the annual interest rate 0(zero);
If Topla has actually lain up to 31-90 days, the withdrawal will be at an interest rate of 20% of the annual interest rate;
If Topla has actually lain up to 91-180 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate.


9/12 month:

If Topla has actually lain up to 0-90 days, the withdrawal will be with the annual interest rate 0(zero);
If Topla has actually lain up to 91-180 days, the withdrawal will be at an interest rate of 20% of the annual interest rate;
If Topla has actually lain up to 181-360 days, the withdrawal of the deposit will be at an interest rate of 30% of annual interest rate.




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This is a digital deposit product that allows you to save money by creating a goal at UBank mobile application.

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