Bank of Baku

16.11.2007

pyc

eng

Tanışlıq

Bank rəqəmlərdə

Əməkdaşlıq

Nümayəndəlik şəbəkəsi

Reklam və PR

İnsan Resursları

Hesabların idarə olunması

Kreditlər

Təcili pul köçürmələri

Depozitlər

Plastik kartlar

Digər əməliyyatlar

Kassa - hesablaşma əməliyyatları

	Retail banking
	• Cash and settlement transactions • Loans • Urgent money transfers • Savings • Plastic Cards

• Introduction
• Types of plastic cards
• Individual credit programs
• Schedule of rates
• Useful information

• Other operations

Exchange rates

	NBA rates	Buy	Sell
USD	0.8479	0.8460	0.8520
EUR	1.2393	1.234	1.255
RUB	0.0346	0.0330	0.0360
GBP	1.7327	1.717	1.740

Online Application

Useful links

Schedule of rates

Main rates
	MC Gold	MC Standard	Dynamic Plus	Dynamic	Maestro
Issue and 1 year service fee for the card	AZN 40	AZN 30	AZN 20	AZN 20	AZN 16
Issue and 2 year service fee for the card	AZN 72	AZN 48	AZN 30	AZN 30	AZN 28
Issue and 4 year service fee for the card	AZN 94	AZN 62	-		AZN 40
Fee for the issue of an additional card and applicable 1 year service fee	AZN 20	AZN 15	-		AZN 7
Fee for the issue of an additional card and applicable 2 year service fee	AZN 36	AZN 24	-		AZN 13
Fee for the issue of an additional card and applicable 3 year service fee	AZN 48	AZN 32	-		AZN 19
Insurance Deposit	AZN 300	AZN 100	Not Applicable
Opening balance	Not Applicable

Rates for additional services
Urgent Order ¹	AZN 15
Change of the card status ²	AZN 10
Card reactivation³	AZN 2
One-off penalty for technical overdraft 4	0.5 %; min AZN 1	Not Applicable	0.5 %; min AZN 1
“Chargeback” investigation fee 5	AZN 5

Rates for the use of ATMs and POS Terminals
Cash withdrawals from ATMs and POS Terminals of «Bank of Baku»	1%	0,85 %	0.7 %	0.7 %	0,65 %
	min AZN 1 / USD 1/ EUR 1
Cash withdrawals from ATMs of other local banks 6	1,5 %	1,3 %	1.7 %	1.7 %	1.3 %
	min AZN 1.5 / USD 1.5 / EUR 1.5
Cash withdrawals from POS Terminals of other local banks 6	1.5%	1.5%	1.7%	Service is no available	1.5%
	min AZN 2 / USD 2 / EUR 2				min AZN 2 / USD 2 / EUR 2
Cash withdrawals from ATMS of foreign banks	1.5%	1.5%	1.5%	Service is no available	1.7%
	min AZN 3. 5 / USD 3.5 / EUR 3.5				min AZN 3.5 / USD 3.5 / EUR 3.5
Cash withdrawals from POS Terminals of foreign banks	1.5%	1.5%	1.5%		1.7%
	min AZN 6 / USD 6 / EUR 6				min AZN 6 / USD 6 / EUR 6
Currency conversion 7	0,5 %
“Retail” Transactions 8	No fee
Transfers within “Card to Card” system 9	0.2%			Service is no available	0.2%
	Min 0.25 AZN / 0.25 USD / 0.25 EUR				Min 0.25 AZN / 0.25 USD / 0.25 EUR
Connection and annual fee for “Internet Banking” System 10	AZN 10 (annual fee)
Connection and annual support fee for “ATM Banking” System 10	Free of charge
“Retail” transactions in game/entertainment centers, including casinos	1.5% min AZN 2 / USD 2 / EUR 2

Rates for credit lines opened by the Bank:
Purposes of the credit line	No Limitations		1. 100% of the credit line – can be ysed for purchases from sale/service points having partnership arrangements with the Bank; 2. 20% of the credit line – may be used for cash withdrawals	No Credit Line is Provided
Standard rate of annual interest on the credit line	28 %	26 %	28 %
Fee for servicing the credit line	1,9 % (1 year)	1,5 % (1 year); 3 % (2 years)	1,9 % (1 year); 3,5 % (2 years)
Reinstatement of the credit line	Automatic Reinstatement		AZN 5 (for each event of reinstatement)
Credit line related payments	1. Principal – at any time during the validity period of the card 2. Interest – in full, monthly	1. Principal – at least 8% of the used amount for 1 year cards and at least 5% of the used amount for 2 year cards; 2. Interest – in full, monthly
Date of payments	From 1 st to 10 th of each next month	Monthly, within 10 days from the day of issue of the card

¹Urgent order presupposes issue and delivery of the card to the customer within the following business day;
² Change of status of the card means its loss, theft, cancellation of the card prior to the expiration of the last month of the validity period, or temporary or permanent termination thereof.
³ Reactivation of the card means activation of the card which was blocked due to incorrect PIN entry, or was temporarily blocked upon request of the customer.
⁴ Overdraft is deemed to be technical where it remains outstanding for 10 days. For overdrafts, which remain outstanding for more than 10 days, starting from the day 11 a penalty of 48% per annum is to be paid by the client . (This item is temporarily is not effective).
⁵ “Chargeback” means objection of the customer to the debiting of his account. Where the claim for “Chargeback” is not proven, all expenses incurred by the Bank will have to be repaid by the claimant.
⁶ “Other local banks” means local banks transacting through “Azerikard” Processing Center.
⁷ For overseas card transactions in the currency other than the currency of the card we will apply the rate of exchange established by MC international payment system as of the date of clearing operations on that transaction. Where the transaction is performed in Azerbaijan, we will use the rate of exchange of the NBA as of the date of clearing.
⁸ “Retail Transactions” means use of the card for payment for services and goods being purchased from certain points of sale (shops, restaurants, sport clubs, etc.)
⁹ Where “Card to Card” System is used for transfer of funds to Maestro Salary card, the additional commission will be 0.7%.
¹⁰ You can subscribe for this system by completing an appropriate application form.
At the moment, you can use this system to pay your electricity bills, as well as your phone bills for “Azercell” and “Bakcell” without any commission for the transfer of money.

Please send us your queries related to this service. Approach any branch or office of the Bank or call Information center 145.

Complete application for the loan online.