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 1/3/6/9/12 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, "Topla" is taxed. According to the legislation, after 01.01.2024 certain privileges is applied in taxing. Details here.

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

Free Term:

If Topla has actually lain up to 0-30 days, the withdrawal will be at an interest rate of 100% of the annual interest rate

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.