UniBank

UniBank is one of Azerbaijan’s largest private banks, known for its innovative financial products and customer-centric services. It offers a wide range of solutions, including retail and corporate banking, SME financing, and digital banking. With a strong focus on technology, UniBank has introduced cutting-edge mobile and internet banking platforms to cater to its diverse customer base.

SERVICES

• Retail Banking: Offers a full range of personal banking products including current accounts, savings accounts, and multi-currency accounts for individual customers.
• Consumer Loans & Credit: Provides cash loans of up to 70,000 AZN with interest rates starting from 9% annually and repayment terms of up to 60 months.
• Deposit & Savings Products: Offers fixed and flexible deposit options with interest rates of up to 11.5% annually, including the Topla savings product which allows withdrawals without penalty.
• Credit & Debit Cards: Issues Visa and Mastercard debit and credit cards, including premium Mastercard options with cashback rewards at partner merchants such as SOCAR, Bravo, and Trendyol.
• Mobile Banking — UBank App: Provides 24/7 access to banking services via the UBank mobile application, enabling payments, transfers, and account management from a smartphone.
• Corporate & Business Banking: Delivers tailored financial solutions for businesses including corporate loans, trade finance, and cash management services.
• International Money Transfers: Supports cross-border transfers and international payment processing through major global networks.
• Foreign Currency Exchange: Offers currency exchange services across its branch network and digital channels.
• Investment & Brokerage Services: Holds brokerage and dealing licences from the State Securities Committee, enabling clients to invest in securities and financial instruments.
• Contactless & Digital Payments: Supports Apple Pay and Google Pay for fast, secure contactless transactions both in-store and online.
• Neobanking via Leobank: Operates Leobank, Azerbaijan's first fully mobile branchless bank, offering Visa cards, transfers, payments, and cashback entirely through a mobile app.
• Sustainability & ESG Finance: Actively pursues international partnerships and sustainable finance agreements aligned with its 2025–2029 Sustainability Strategy.

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