Tariffs – atb card credit
| Popular operations |
| Transactions at the ATMs of Azer Turk Bank |
2% (min. 1 AZN/USD/EUR) |
| Transactions at the POS-terminals of Azer Turk Bank |
2% (min. 1 AZN/USD/EUR) |
| Conversion commission (non-cash exchange) – at the rate set for all operations carried out with the Bank’s payment cards |
0% |
| “Card to Card” service |
2% (min. 1 AZN) |
| “SMS Notification” service |
0 AZN |
| “PİN Change” service |
0 AZN |
| Service Tariffs |
| Card service fee |
Regardless of the term of the credit line, the payment card is issued as a gift for a period of 3 years |
| If the card is lost or rendered unusable |
15 AZN |
| If the client’s card has become unusable through no fault of the client * |
0 AZN |
| Erase PIN service (in case of absence / loss of PIN-code) |
2 AZN |
| Change of card status (closing, activation) and unblocking card |
0 AZN |
| Unblocking an incorrectly entered PIN code |
0 AZN |
| Mobile bank service |
0 AZN |
| Quasi-Cash (transfers, credit payments, etc.) |
4.00% (min.1.00 AZN/USD/EUR) |
| Unique (lottery, gambling) |
4.00% (min.6.00 AZN/USD/EUR) |
| Fee for unfounded objection to payments |
Məbləğin 0.1% (minimum 10 AZN – maksimum 50 AZN) |
| Adding a card to the international “stop list” in case of loss |
20 AZN |
| Sending cards or PIN-envelopes by mail (within Baku)** |
10 AZN |
| Sending cards or PIN-envelopes by mail (to other regions of the republic)** |
20 AZN |
| Sending cards or PIN-envelopes by mail (outside the republic)** |
60 AZN |
* A new card is issued only when the client presents a card that has become unusable. The lifespan of the new card is the same as the lifespan of the old card
** Cards and envelopes with PIN codes are sent separately
| Cash withdrawal fee |
ATB CARD
Credit cards with a grace period of up to 40 days |
| For transactions carried out in ATMs and POS-terminals of other banks in Azerbaijan |
2% (min. 1 AZN/USD/EUR) |
| For transactions carried out at ATMs outside Azerbaijan |
3% (min. 4 AZN/USD/EUR) |
| For Cash advance transactions carried out in POS terminals located outside of Azerbaijan |
3% (min. 4 AZN/USD/EUR) |
| Daily limit for cash withdrawals from ATMs |
2,000 AZN/USD/EUR |
At the request of the client, payment of commissions for services and products can be made in any currency accepted by the bank, in accordance with the tariffs. In such cases, the exchange rate set for all transactions with the bank’s payment cards is taken as a basis
Settlements for card transactions are made on the basis of exchange rate set for all transactions with the bank’s payment cards is taken as a basis
| Cashback and income on the balance of debit accounts |
| Income on the balance of the debit account* |
5% per annum |
| Gas stations |
1% |
| Online |
1% |
| Electronics |
2% |
| Restaurant and cooking |
2% |
| Clothes and accessories |
1.50% |
| Markets |
0.50% |
| Education |
3% |
| Health |
1% |
| Other payments |
1% |
* On the debit balance of credit cards in national currency with a grace period of up to 40 days, a daily interest rate of 5% per annum is calculated, and paid monthly (the maximum amount of interest accrued is 25,000 (twenty five thousand) manats)
Notes:
-
CashBack program is for domestic payments only
-
CashBack is not calculated when payments are made in foreign currency
-
CashBack is calculated for payments in national currency with cards in foreign currency
Transactions not included in the CashBack program:
- Utility payments
- Mobile operator payments
- Government payments
- Loan payments
- Card to Card
- Unique cash
- Transport
- Insurance
- Quasi cash
| Loan terms |
| Loan currency |
AZN |
| Loan term |
12 months / 24 months / 36 months |
| Loan amount |
Min. 500 AZN – max. 20 000 AZN |
| Unsecured loan amount |
Min. 500 AZN – max. 5 000 AZN |
| Grace period |
Up to 40 days |
| Interest rates |
| Up to 12 months |
26% |
| Up to 24 months |
27% |
| Up to 36 months |
28% |
| Requirements |
| Age limit |
20 – 60 |
| Workplace |
Anyone with official income |
| Work experience |
Total of 12 months, at least 6 months at the last place of work |
| Net official income |
Min. 700 AZN |
| Guarantor’s net official income |
Min. 500 AZN |
Note: In case of delay in payments, a penalty of 5% per annum may be imposed on the amount of overdue principal debt
