Earn up to 7% annual interest on funds kept on your Unibank card!
Starting from 01.11.2026, the interest rate will be determined based on your activity with the bank. The more actively you use Unibank services, the higher the interest rate you can earn.
Interest rates
When the balance on one AZN card account (the one with the highest balance) is between 5 000 and 50 000 AZN, the higher annual interest rate will be calculated as follows:
5% per annum – the base interest rate for all customers.
6% per annum – for customers who meet one of the following conditions during the month:
- placing a deposit or Topla of more than 3 000 AZN with the bank;
- keeping an average monthly balance of more than 1 000 AZN on the card;
- making cashless card payments of more than 500 AZN.
7% per annum – for customers who meet one of the following conditions during the month:
- placing a deposit or Topla of more than 20 000 AZN with the bank;
- keeping an average monthly balance of more than 10 000 AZN on the card;
- making cashless card payments of more than 2 000 AZN.
7% per annum – applies to all customers who hold a Unibank salary card, regardless of other conditions.
On all other AZN card accounts, an annual rate of 1% is always applied to balances between 100 - 5 000 AZN.
When does the interest rate change?
Your interest rate is updated on the 1st of each month based on the previous month's results. For example, if you meet one of the conditions in October, you will receive the higher interest rate for November starting from 1 November.
Notes:
• If the client has more than one card, the 7% annual interest rate is applied only to the balance of up to 50 000 AZN on the card with the highest balance, while the standard annual interest rate of 1% is applied to the balances on the client’s other AZN cards;
• The following cards do not accrue interest: Digital, business cards, foreign currency card accounts, cards for receiving interests on deposit;
• You can earn miles as a bonus on the balance of Unimiles, Mastercard Black Edition, Mastercard World Elite cards;
• Funds are transferred to the card if the amount of interest accrued on the balance of Unibank client cards during the month is at least 5 AZN (inclusive);
• According to the AR Tax Code, since 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;
• Bonus calculation on the card balance applies only to AR citizens and individuals with permanent residence permit.