Digital wallets in Azerbaijan: who leads the market and what are their differences

Hesab.az 

A digital wallet that allows you to quickly transfer money between users and pay for more than 300 different services, including utilities, internet, and mobile communications. The app supports storing multiple bank cards and paying via QR codes, simplifying everyday payments.

For iOS users
For Android users

Birbank

Birbank is one of the most popular digital banking services in Azerbaijan. It allows you to manage cards and accounts, apply for loans and installments without visiting a branch, make payments for over a hundred services, pay for purchases via NFC, Apple Pay, and QR code, transfer money domestically and internationally, and receive cashback, bonuses, and VAT refunds.

For iOS users
For Android users

Rabita Mobile
A mobile application from Rabitabank that allows you to manage bank accounts, cards, and payments directly from your smartphone. With it, you can make transfers between cards and accounts, pay for internet, mobile communications, and utilities, as well as track transaction history and manage loans.

For iOS users
For Android users

AZ Wallet Customer
A mobile wallet for conducting secure payments and money transfers within Azerbaijan. The app allows you to pay for purchases, services, and bills without cash, as well as transfer funds to other users. A key feature of the service is data protection using encryption and the ability to completely delete user information.

For iOS users
For Android users

m10
A multifunctional digital wallet that combines payments, transfers, loans, and bonus programs in one app. Users can pay for utilities, internet, mobile communications, and transportation, as well as make purchases in stores and cafes across the country. The app offers instant transfers between users without fees and provides cashback on purchases.

For iOS users
For Android users

Leobank
The Unibank mobile application, which provides a full online banking experience without the need to visit branches. Through the app, you can apply for credit and debit cards, make transfers, pay for utilities, internet, and parking, manage children's cards, and use cashback, savings, and investment features.

For iOS users
For Android users

ExpressPay Wallet
ExpressPay Wallet allows you to pay for services and make transfers via a mobile application or terminals. The service supports payment templates, which is convenient for regular transactions, and stores the history of all transactions. The app allows you to pay for utilities, internet, mobile communications, fines, educational, and insurance payments.

For iOS users
For Android users

GoldenPay — GiftCards & eCurrency
GoldenPay GiftCards & eCurrency serves as a digital wallet for managing electronic currencies and gift cards. The app allows you to make online purchases and store funds outside of traditional bank accounts. The service is integrated with the GoldenPay ecosystem, simplifying the payment of various services and goods.

For iOS users
For Android users

AniPay USermBanking
A mobile solution for transfers and payments, focused on fast operations between users. With the app, you can pay for services, transfer money, and use P2P features without visiting a bank. AniPay is convenient for online sellers, freelancers, and users who value speed and simplicity in financial transactions.

For Android users

E‑pul.az
One of the first electronic wallets in Azerbaijan, allowing you to pay for goods, services, and utility bills online. The service supports top-ups via terminals and displays the history of all payments for convenient expense control. The app is suitable for users who wish to store funds and make transfers without visiting bank branches.

For iOS users
For Android users