The First Fully Integrated
Digital Platform of the Caucasus

An ecosystem shaping the digital future of the region by bringing together millions of people, businesses, and innovations under one umbrella.

Bir ecosystem incorporates Azerbaijan’s leading digital banking, online banking, marketplace, investment projects, and FinTechs as a part of PASHA Holding, the region's leading investment group.

Our Key Achievements!

Our leadership in the region is supported by these figures:

  • 4.5 mln

    Total Active Customers
  • 8.2 mlrd

    Total Payment Volume
  • 7000+

    Number of Employees
  • 42%

    Share of non-cash payments

Our Brands

We bring convenience to the lives of millions through these brands:

Birbank

Birbank Azerbaijan's first digital bank and market leader. Kapital Bank’s internet banking product, Birbank makes banking accessible to everyone.

  • 3.5 million – Number of Birbank users
  • #1 – The country's first digital bank
  • 34.1% – Market share in consumer loans

 

Birbank Business

Birbank Biznes A reliable business partner that brings together all financial operations for Small and Medium-sized Enterprises (SMEs) in one application.

  • 106,406 – Number of micro business customers
  • 16,716 – Number of small and medium-sized business customers
  • 95.4% – Customers are using the digital products

Birbank Invest

Birbank Invest A platform that provides the opportunity to invest quickly and securely in the world's largest companies.

  • 13,120 – Number of potential investors
  • 11,000+ – Investment opportunities in the company
  • $1 – Minimum investment amount

Birmarket

Birmarket A marketplace where daily shopping is completed with just one click.

  • 2,737 – Number of sellers
  • 300,000+ – Number of buyers
  • 73% – Increase in sales compared to the previous year

m10

m10 Azerbaijan's most-used and secure e-wallet system.

  • 829,000 – Number of users
  • #1 – Leader of the e-wallet segment in the country
  • 47.5 million – Number of transactions in the current year

Joint Ventures

We expand our scope of operations every day thanks to these partnerships:

Trendyol

Trendyol One of the world's largest e-commerce platforms, offering direct delivery across our country as a result of our joint cooperation.

  • 400,000 – Number of users
  • "Buy now, pay later" – Credit line for ecosystem users
  • Opportunity to earn and spend bonuses

BakıKart

BakıKart A non-cash payment method for key public transport options such as the metro and buses.

  • 22% – Share in the ecosystem's QR transactions
  • #1 – Leader in public transport payments
  • Payment option with bonuses

Our Products

We turn our users into a part of the ecosystem through these products:

Bir Bonus

Bir Bonus A loyalty program that allows users to earn and spend bonuses across thousands of partners, hundreds of offers, and dozens of categories.

Bir ID

Bir ID A single sign-on method for all services within the ecosystem.

Bir Pay

Bir Pay A modern payment platform for our users and business partners.

Be a Part of Bir!

Contact us for financial indicators, strategic partnerships, or investment opportunities.

[email protected]