help center

we have compiled all important and necessary information on banking services and products on this page for our customers’ convenience let us know should you not find the necessary information

services

  • what legal services does the bank offer?

    our bank offers corporate clients who need legal support and help for a successful start and transparent and legal activity, to benefit from the service package by the European Legal Services, who provides services to partners remotely and completely FREE 24 hours a day

    unlimited amount:

    • verbal legal advice on business matters
    • verbal legal advice on personal matters
    • entrust negotiations to a lawyer
    • instructions for preparing sample documents
    • other services are provided to the Bank's customers at a minimum 10% discount

    the service package can be used by three users assigned by the customer

    you must simply fill out the relevant application to get registered for the service and send it to the Bank through ATB Business internet banking

  • what other accounting and tax services does the bank offer to its customers?

    our partner, Accounting.Az, offers the following services to our customers:

    FOR FREE:

    • initial business registration
    • preliminary tax advice on starting a business

    a minimum 30% DISCOUNT:

    • accounting services

    • putting together a tax declaration

       

    • consulting services

    you must simply contact the company and mention being redirected through our bank to be able to benefit from the services by our partner:

    contact: +994 12 310 09 29 / +994 50 225 82 05

    е-mail: [email protected]

  • what is a one-time SMS password?

    it is the code sent to the customer’s mobile phone connected to the SMS-Notification service

  • how much money is deducted from the balance of the mobile number for each SMS when using the SMS notification service?

    услуга 1 azn

    service fee: 1 AZN

loans

  • what is the effective annual interest rate on a consumer loan?

    the effective annual interest rate: min. 13% - max. 26%

  • what documents do I need to order a credit card?

    1. ID card of the borrower
    2. one of the official documents confirming the income of the borrower:
    • certificate of employment indicating salary, position held and job tenure
    • certificate from the educational institution confirming the receipt of a scholarship
    • certificate from the social security authorities confirming the receipt of pensions or benefits
    • bank account statement confirming interest income on deposits
    • statements confirming fixed income within the country
    • e-application

  • what documents are required to apply for a loan?

    1. document confirming the identity of the borrower and the guarantor (identity card)
    2. official documents confirming the income of the borrower and the guarantor:

    e-application

    or

    certificate of employment indicating salary, position held and job tenure (including a statement, confirming a fixed income within the country)

    or

    certificate from the social security authorities on receipt of pensions or benefits

    or

    statements confirming fixed income within the country (if presenting an official ID)

  • how is the amount of the loan calculated?

    the monthly installments are measured based on the borrower's income compared to their monthly debt load (DTI ratio): formula

    formula

    • D – the borrower’s debt

    • PMT – the monthly installment of the new loan

    • I – borrower’s net income after taxes

    the DTI ratio cannot exceed 40% if the borrower's income is less than three times the minimum wages (180 manats), and 50% if their income exceeds this indicator of three minimum wages

  • can I get a loan without leaving my deposit as collateral?

    yes, you can fill out an online application for a ‘Consumer’ loan or a credit card, as well as open a credit line based on a salary card if you have a salary card by the bank

  • if my loan payment falls on a non-working day, will it be considered as a late payment?

    should your loan payment day fall on a non-working day, you may make the payment the following business day and it will not be considered a late payment

  • how can I make loan payments?

    1. contact any Azer Turk Bank branch with an account number
    2. enter the client code and date of birth in Milli ÖN terminals
    3. enter the client code and date of birth in E-Manat terminals
    4. enter the client code and date of birth on the account.az website
    5. enter the client code and date of birth on e-pul.az

  • how long does applying for a loan take at the most?

    3 business days

deposits

  • how is interest calculated if the deposits are withdrawn early?

    according to the table below:

    termannual interest rate
     AZN USD/EUR
    up to 12 months0%0%
    12-24 months1%0%
    24-36 months2%---

  • what is the commission fee for cashing out funds from the issued card at ATMs?

    no commission fee is withheld when cashing out interest accrued on deposits through bank’s ATM network and POS-Cash terminals installed at customer service points

  • can I open a credit line on the card?

    yes, opening a credit line link to the card is possible at the request of the customer

  • what other deposit options does the bank offer?

    You can only open a ‘Classic’ deposit at the moment «классический»

mortgage

  • i want to sell the apartment bought with a mortgage. Is that possible?

    yes. Unless otherwise provided by the mortgage agreement, a person may alienate a house or apartment, acquired through mortgage, only with the written consent of the pledgee. The current rules read that the obligations of the borrower under the mortgage loan are thus transferred to another solvent person. The person, who assumes the obligations, must meet all the requirements established for mortgage eligibility

     

  • can I get a mortgage loan to build a house?

    mortgage loans are issued only to purchase private housing or an apartment in multiple-dwelling buildings

  • what kind of housing can I purchase with a mortgage loan?

    a mortgage loan is issued to acquire ownership of housing that has been registered or pre-registered by the state, as well as a share of a fenced land plot with an unfinished building in accordance with the Civil Code of the Republic of Azerbaijan

  • can a person who owns residential real estate get a mortgage loan?

    yes, they can

  • what are the minimum wage requirements to get a mortgage loan?

    no minimum wage requirements have been set

  • how can I apply for a mortgage loan?

    you may register on the e-government portal (www.e-gov.az) using an electronic signature (e-imza and asan imza), proceed to ‘Electronic mortgage and Credit guarantee’ system and select Azer Turk Bank from the list

cards

  • which documents do I need to submit to order a credit card?

    1. the borrower’s ID card
    2. one of the official documents confirming the income of the borrower:
    • certificate of employment indicating salary, position held and job tenure
    • certificate from the educational institution confirming the receipt of a scholarship
    • certificate from the social security authorities on receipt of pensions or benefits
    • bank account statement confirming interest income from deposits
    • statements confirming fixed income within the country
    • electronic application

  • how much does it cost to unblock a card blocked because of a wrong PIN code?

    free

  • can I open a credit line on the card?

    yes, upon the customer’s request

atb business internet banking

  • tariffs

    tariffs for internet banking services for legal entities and private entrepreneurs

  • i made a transfer that was sent to the bank for execution but is in the "Processing" status. who should I contact?

    your transfer in "Processing" status means that the payment has been accepted by the bank and is under consideration in accordance with the law and internal rules of the bank. The process may take some time. Transfers made outside business hours may remain in "Processing" status, as they are executed only during business hours. If the transfer status is "Processing" during business hours, you are kindly asked to wait for some time and contact the branch that serves you.

  • i made a payment and the date of processing of the document by the bank is not indicated in the payment order. what is the reason for the lack of a due date?

    the date of execution is indicated on payments with ‘Executed’ status only. if you want to upload a payment document before the transfer, the bank will not be marked in this document.

  • i mistakenly made a payment, which is currently in the "Processing" status, what should I do?

    if the payment is in ‘Processing’ status, you should immediately contact your branch to cancel the incorrect payment.

  • i mistakenly made a payment that has already been executed by the Bank, what should I do?

    be careful when making payments, and do not make mistakes in the details. payments cannot be canceled after signing and being executed by the bank. however, you can still contact the call center at the Bank regarding incorrectly filled out and already executed payments.

  • i want to pay a salary, but the employee's account is not on the list, what should I do?

    if the employee's payroll account is not found on the employee list, click the refresh button to update the employee list. if the problem remains after refreshing the list, contact the branch that serves you.

  • i signed the transfer, but the status of the payment has been ‘Pending to send to the bank’ for a long time. why is the transfer not sent to the bank?

    the transfer remains in ‘Pending to sent to the bank’ status because you do not have enough funds in the account you want to make a transfer from.

  • i want to make a transfer, but I do not see the account I want to make a transfer to

    there may be different reasons for not seeing the account you want to make a transfer to.

    the main reasons include:

    • the account may be closed
    • currency may be associated with non-refinancing of accounts in national currency when making a transfer in foreign currency
    •  

    - there may be active orders on the accounts

  • i manage the accounts of several companies in this bank. can I manage the accounts of all companies through one user profile at atb business internet banking service?

    you can manage multiple companies by registering one user profile. please note that you can conduct transactions on behalf of each company only within the limits of your authority

  • what operations can I perform on the atb business internet banking service?

    you can perform the following transactions on the internet banking service:

    • transfers among own accounts
    • intrabank transfers
    • domestic transfers
    • transfers outside the country
    • non-cash currency conversion transactions
    • VAT and other budgetary payments
    • management and control over existing bank accounts
    • getting an account statement
    • obtaining information about loans and deposits
    • payroll
    • reliable electronic correspondence with the bank
    • tracking the status of executed transactions
    • obtaining information about exchange rates in real time
    • creating templates for fund transfer transactions

  • what should I do to stop using atb business internet banking services?

    you must submit the appropriate application form to the Bank to suspend the internet banking services temporarily or permanently.

  • i want to update or change user information in atb business internet banking service. what should I do?

    contact your branch office and fill out the appropriate application form to change user information.

  • i repeatedly entered the wrong password when logging into the atb business internet banking service via SMS OTP, and the system blocked my account. what should I do?

    our user profile will automatically be blocked if you enter your password incorrectly three times to access the service. contact the call center at the Bank and indicate your password that you chose while registering in the service to unblock your user profile. you will be sent a temporary password via SMS. you must proceed to set a new password. you may also contact the bank branch or office.

  • i enter ASAN Imza and ASANID mobile phone number, but I still cannot login to atb business internet banking service. why can't I log into my account?

    here may be several reasons behind problems that arise while accessing the service:

    the main reasons are specified below:

    • ASAN Imza number has been incorrectly entered
    • there are insufficient funds on the number balance
    • ASAN Imza certificate does not belong to this organization
    • ASAN certificate is not a business certificate, and is intended for personal use

  • i forgot my password required to connect to the atb business internet banking service via SMS OTP, what should I do?

    if you have forgotten your password to access the service, contact the Bank's call center and provide the confidential code you chose when registering to the service. you will be sent a temporary password via SMS. you must proceed to set a new password. you may also contact the bank branch or office.

  • how long does it take to connect to atb business internet banking service?

    connecting to the services requires 3 working days after submitting relevant applications and documents.

  • what documents do I need to connect to atb business internet banking service?

    you must fill out the appropriate application form and contract and provide an identity document to connect to the service.

     

  • can I connect a person, not authorized to sign, to the atb business internet banking service?

    any user can connect to the service. this person will be able to use all functions of the service, except for the right to sign (to confirm ongoing transactions and send them to the bank for execution)

  • will I be charged for using the atb business internet banking service via SMS OTP?

    the bank does not charge a fee for receiving a one-time password via SMS. 

  • can I use a foreign number to connect to the atb business internet banking service via SMS OTP?

    you can use a foreign mobile phone number to receive passwords via SMS to activate the service via SMS OTP.

  • if I do not have ASAN Imza, can I use the atb business corporate Internet banking service?

    you can use the service without ASAN Imza mobile identification tool. however, the ASAN Imza option is required to sign transfers you make (to confirm the transactions that you perform within the service and send them to the bank for execution)