Birbank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Birbank lends directly in Azerbaijan to adults with salary or pension income, and it suits people who want the whole application and payout done online. Loans of up to AZN 80,000 repayable over 48 months carry a 0% cash-out commission on loans issued online.

Key facts

Best for
Fast online borrowing in Azerbaijan with a 0% cash-out commission.
Loan amount
up to AZN 80,000 (Source, checked September 26, 2026)
Term
48 months (Source, checked September 26, 2026)
Arrangement fee
0% cash-out commission for loans issued online (Source, checked September 26, 2026)
Funding time
Fully online, without visiting a branch or queueing (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Ages 18-70; salary or pension recipients; minimum 3 months at current job and 6 months total experience (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Secured, Business (Source, checked September 26, 2026)
Legal entity
Kapital Bank ASC (Source, checked September 26, 2026)
Headquarters
Azerbaijan (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
birbank.az

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • direct lender lending from Kapital Bank ASC, so the bank sets the terms itself.
  • Licensed by the Central Bank of Azerbaijan under 244.
  • personal, debt consolidation and car means the same lender covers personal, debt consolidation, car, secured and business borrowing.
  • No queuing, since Fully online, without visiting a branch or queueing.

Cons

  • Support runs on phone and help centre only.
  • A single market: the lender operates in Azerbaijan, so borrowers elsewhere cannot use it.
  • On term, a rank of 103 out of 232 brands puts the 48 month term below the midpoint of the field.
Birbank

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Adults in Azerbaijan with a salary or a pension and a waiting period at their current job.
  • Anyone who prefers dealing with the bank itself, given the direct lender setup.
  • People who would rather not queue in a branch, given Fully online, without visiting a branch or queueing.

Who should look elsewhere

  • Monzo Flex, whose £10,000 to £35,000 works in another currency market, for anyone comparing lenders outside AZ.
  • Cashspace, whose PHP 500 to PHP 25,000 serves a peso market rather than AZ borrowers.
  • Cashspace ES, with a euro band of €100 to €5,000 for anyone wanting a smaller euro limit.

How Birbank compares

Where Birbank is available

Available
Azerbaijan
Licence in Azerbaijan
Central Bank of Azerbaijan (244), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of loan does Birbank offer?+

Birbank covers personal, debt consolidation and car, so the same lender handles personal loans, debt consolidation, car finance, secured lending and business loans. The legal entity behind the products is Kapital Bank ASC, based in Azerbaijan, and it lends as a direct lender rather than brokering for others.

How much can I borrow, and over what term?+

Loans of up to AZN 80,000 are available to eligible applicants, with repayments spread over 48 months. The AZ base means the products are aimed at borrowers in that market, and on term Birbank ranks 103 out of 232 brands compared.

What fees will I pay?+

The stated charge is simple: 0% cash-out commission for loans issued online. Because the commission is waived on the online route, what you repay is driven by the term you take, published at 48 months, rather than by upfront costs.

Who can apply for a Birbank loan?+

You need a minimum age, a salary or a pension as income, a waiting period at your current job and a minimum total work history. Those eligibility conditions are set by Kapital Bank ASC, and the application itself is Fully online, without visiting a branch or queueing.

Is Birbank regulated, and who holds the licence?+

Yes. The Central Bank of Azerbaijan licenses the operation under licence 244. The lending entity is Kapital Bank ASC, headquartered in Azerbaijan, and the brand has been operating since 2018. It lends as a direct lender, so the terms come from the bank itself rather than a broker.

How do I get help once I have applied?+

Support runs on phone and help centre, so you reach the bank by phone or through the help centre. That matches the online-first service described by Fully online, without visiting a branch or queueing, where the money arrives without a branch visit or a queue.

How does Birbank compare on cost?+

The cost score is 7.3, and the overall score on the profile is 7.3. The site median APR across lenders is 12%, and the range from 6.13% to 24.92% shows how much lender prices differ, so any single rate needs context.

Sources

  • birbank.az checked September 26, 2026

    Backs: Loan amount, Founded, Funding time, Support channels

    “"foundingDate":"2018"”

  • birbank.az/en/kreditler checked September 26, 2026

    Backs: Lender type, Loan types

    “Meet your financial needs without delay with the range of loans offered by Kapital Bank”

  • birbank.az/en/landings/nagd-kredit-kampaniyasi checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Arrangement fee, Origination fee (%), Term, Licences

    “Onlayn rəsmiləşdirilən kreditlərə nağdlaşdırma komissiyası 0%”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Birbank

Birbank

Fast online borrowing in Azerbaijan with a 0% cash-out commission.

9.1/10See alternatives

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