Kapital deposit

Kapital deposit provides customers with a high interest rate and the opportunity to increase the amount deposited up until the middle of the deposit period.

General information

Kapital deposit provides customers with a high interest rate and the opportunity to increase the amount deposited up until the middle of the deposit period. Besides, customers are provided with a line of credit amounting to up to 80% of the amount deposited.

Good to know

  • Deposit amount - from 100 AZN/USD
  • Maximum interest rate - 14%
  • Free SMS İNFO service

 

Interest rates

Deposit period (months) Monthly payment of interest Payment of interest at the end of the period
AZN USD AZN USD
3 - - 3% -
6 5% - 6% -
12 11.0% - 12.0% 0.1%
18 11.5% - 12.5% -
24 12.0% 0.2% 13.0% 0.3%
36 12.5% 0.4% 14.0% 0.5%

Terms

  • Deposit period - 3, 6, 12, 18, 24, 36
  • Minimum amount - 100 AZN/USD
  • Maximum amount – no limit
  • Interest payments - Monthly or at the end of deposit period
  • Adding funds to the deposit - Up until the middle of the deposit period (amount added must be at least 100 AZN/USD)
  • Partial withdrawal - Interest payments on deposits withdrawn before the end of the deposit period are paid at the annual rate of 2% for AZN deposits,  isn't paid for USD deposits. The deposit amount can be reduced to 100 AZN. No interest payments are accrued on deposits withdrawn within 30 days of adding them.
  • Prolonging the deposit period - If a customer does not request repayment of their deposit upon the expiration of the deposit period, the deposit is automatically retained on similar conditions, provided the tariffs and terms and conditions on the date the deposit period expires are identical to those offered by the Bank. Otherwise, deposits are retained under conditions established by the Bank in a unilateral manner (accrued interests are not automatically added to the amount deposited).
  • Free debit card will be issued according to the following chart, for the deposits opened with monthly interest payment. Deposit account opened in manat with payment of interest at the end of the period, the free debit card is issued when customer opens a line of credit.
  • 100 - 1000 AZN/USD- Visa Electron/MasterCard Maestro 1000 - 5000 AZN/USD- Visa Classic/MasterCard Standard 5000 - 50000 AZN/USD- Visa Gold/MasterCard Gold For deposits exceeding 50000 AZN/USD- Visa Platinum/MasterCard Platinum (free connection to SMS İNFO, SMS Banking service)
  • Credit lines - Customers are offered a cash loan or credit card with a line of credit. The loan interest rate is equal to the deposit interest rate +5% on AZN deposits, +0.9% on USD/EUR.

FAQ

Kapital deposit calculator

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  • Monthly interest rate –
  • Total interest amount –