Amount of insurance

Minimum sum

1 year service fee

2 years service fee

3 years service fee

Currency

Advantage

Visa Classic	Visa infinite	Visa Gold	Visa Electron	Mastercard Gold	Mastercard Standard	Maestro
Not considered. Note: For non-resident customers: 1000AZN/USD/EUR	Not considered. Note: For non-resident customers: 3000AZN/USD/EUR	Not considered. Note: For non-resident customers: 2000AZN/USD/EUR	Not considered. Note: For non-resident customers: 1000AZN/USD/EUR	Not considered. Note: For non-resident customers: 2000AZN/USD/EUR	Not considered. Note: For non-resident customers: 1000AZN/USD/EUR	Not considered. Note: For non-resident customers: 1000AZN/USD/EUR
Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
8AZN - Note: No commission is charged where the minimum amount of the deposit into the account is 1000 AZN/USD/EUR.	100AZN - Note: No commission is charged where the minimum amount of the deposit into the account is 100,000 AZN/USD/EUR or a customer has at least 100,000 AZN/USD/EUR in his savings account.	20 AZN - Notes: - No commission is charged where the minimum amount of the deposit into the account is 2000 AZN/USD/EUR; Free of charge 1 year Internet Banking and 6 months SMS Banking service.	7AZN	20 AZN - Notes: - No commission is charged where the minimum amount of the deposit into the account is 2000 AZN/USD/EUR; Free of charge 1 year Internet Banking and 6 months SMS Banking service.	8AZN - Note: No commission is charged where the minimum amount of the deposit into the account is 1000 AZN/USD/EUR.	7AZN
14AZN	300AZN	30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service	12AZN	30 AZN - Note: Free of charge 2 years Internet Banking and 12 months SMS Banking service.	14 AZN -	12AZN
20AZN	400AZN	40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service	18AZN	40 AZN - Note: Free of charge 3 years Internet Banking and 18 months SMS Banking service.	20AZN	18AZN
AZN/USD/EUR	AZN/USD/EUR	Subject to type and validity term of the card, as per the schedule of fees on issue and maintenance of the card	AZN/USD/EUR	AZN/USD/EUR	AZN/USD/EUR	AZN/USD/EUR
ATM withdrawals, real and virtual shopping, Internet purchases, purchase of goods and services via telephone and mail; where the minimum amount of the deposit into the account is 1000 AZN/USD/EUR, customer is provided with a free of charge 1 years card.	Medical and Legal Information Services – International Discounts Offers – Advance hotel booking without fees and discounts - - Visa Luxury Hotel Program – 1 mln USD travel insurance from UK’s AXA insurance company – Concierge service – Golf club discounts - while Priority Pass is not formally supported, online registration provides discount of up to 15% to Visa İnfinite card holders. Note: As Visa İnternational does not extend its special program to Azerbaijan, services related to Visa İnfinite cards are available abroad only.	AZN/USD/EUR	Note: Unlike other cards, no overdraft facility is available	- Medical and Legal Information Services – International Discounts Offers	-	Note: Unlike other cards, no overdraft facility is available.

All cards

Debet cards

Local cards

Credit cards

For business

Virtual cards

Virtual card

Security Requirements

Visa Classic

For use of personal funds

Insurance amount	Not applicable
Minimum balance	Not applicable
Card price	AZN 8, AZN 14, AZN 20

Payment Card Security Precautions

Click here to get a line of credit

ATM withdrawals

Payments online and retail shops

Internet payments

Payment for goods and services by mail and telephone

Free of charge card

Online plastic card order---

Internet-banking

Online call me back order

Tariffs

Fee:

Issue and 1 year service fee – AZN 8
Issue and 2 years service fee – AZN 14
Issue and 3 years service fee – AZN 20

If the minimum deposit to the account is 300 AZN / USD / EUR, it is possible to get a 1-year Visa Classic Card free of charge.

Contactless payment:

The contactless payment function means carrying out card transactions for an amount not exceeding 100 manats without entering a PIN code.

Urgent order:

AZN 15

Insurance amount:

Not intended

Change of card status:

No fee

Card replacement:

Subject to type and term of the card, fee applicable upon issue and service for the card

Issue of PIN duplicate:

AZN 5

Card renewal (extension):

Subject to type and term of the card, fee applicable upon issue and service for the card

Issue of an additional card:

Subject to type and term of the card, fee applicable upon issue and service for the card

Card reactivation:

AZN 2

“Chargeback” review:

AZN 10

Fees for cards usage
Cash withdrawals at "Bank of Baku" ATMs and POS terminals	1% (min. 1 AZN/USD/EUR)
Cash withdrawal through ATMs of local banks	1.5% (min. 1.5 AZN/USD/EUR)
Cashing out through POS terminals of local banks	1.5% (min. 2.5 AZN/USD/EUR)
Cash withdrawal through ATMs of foreign banks	1.5% (min. 3.5 AZN/USD/EUR)
Cashing out through POS-terminals of foreign banks	1.5% (min. 6 AZN/USD/EUR)
Change PIN code with ATM	1 AZN
Restore PIN code with ATM	2 AZN
Card-to-card transfers	0.2% (min 0.25 AZN / 0.25 USD / 0.25 EUR)
Usage of ATM banking system	Free comission
Connection to SMS Banking system and support service	5 AZN
Conversion	Depending on the payment system of the card, transactions (ATM, Card to Card, online, retail, etc.) in any currency other than the card currency are converted in accordance with the exchange rate set by the international payment system Visa or Mastercard and non-cash purchase and sale rates of the bank. Note: Non-cash conversion operations are possible on payment cards issued by the Bank in the amount of not more than 200 (two) US dollars or euros per day.
Retail transactions	Not applicable
"Retail" transactions in gaming / entertainment centers, including casinos*	1.5% (min. 2 AZN/USD/EUR)*
* According to the Law on Amendments to the Code of Administrative Offenses of the Republic of Azerbaijan dated December 27, 2021, gambling operations are blocked. Note: Commission is not charged if funds are transferred to the card in cash at Bank of Baku branches or payment terminals owned by Bank of Baku OJSC. No commission is charged for 200 AZN deposits per day through MilliOn and E-manat payment terminals, website and mobile applications, if deposit amount is more than 200 AZN 0.5% commission (min. 1 AZN) is charged. Depositing funds to USD and EURO currency cards is possible only in the branches of Bank of Baku OJSC.

Services involved in taxation

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