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With registration exclusively performed online; thus, branches do not facilitate any actions. Consequently, clients cannot request the Digital Deposit product or adjust the deposit amount by contacting a branch.

• Furthermore, in case of a device change, it is prohibited to decrease or cancel the deposit within a span of 3 working days.
• Opening of a deposit, increase or decrease of the sum, and cancellations are only accessible through Kapital Bank cards.
• If the expiration date of the deposit agreement falls on a non-working day, the annual interest on the deposit is paid on the preceding working day.
• If the deposit amount is presented on a day preceding non-working days:
• If the deposit is presented on the last working day of the week, the Agreement's term commences from that specified date, and interest accrual begins on the subsequent working day.
• If the deposit is received between 00:00 on the 5th day of the week and 09:00 on Saturday, interest accrual begins on Tuesday, provided that the funds are received by the Bank on Monday.
• As per the legislation of the Republic of Azerbaijan, the Deposit Insurance Fund provides compensation equal to 100 percent (not exceeding AZN 100,000) for digital deposits in both national currency (up to 12%) and foreign currency (up to 2.5%).

• The deposit is accessible for withdrawal at any time; however, if withdrawn before the maturity date, accrued interest will not be paid. Upon maturity, the deposit amount along with the accumulated interest is transferred to the designated card or current account.

• Exclusively through the Birbank mobile application.

•  The minimum deposit amount is AZN 1.

• No interest accrues on deposits withdrawn prematurely, i.e., before the agreed term specified in the Agreement. The deposit amount can be decreased to a minimum balance of AZN 10, with the reduced portion being no less than AZN 10. Note: Decreasing the deposit amount or withdrawing early is permitted at any time. When withdrawing or reducing the deposit amount via Birbank, funds will be credited to the designated card in accordance with the prevailing tariff of the selected card. 
• The minimum amount for increasing the deposit amount is AZN 10.

Note: Deposits can be increased through the Birbank mobile application, subject to a commission according to the prevailing tariff for the selected card and account when increasing the amount from any card or current account.

- The following options are available:

• 1 month
• 3 months
• 6 months
• 12 months
• 24 months
• 36 months.