m10 — Digital Wallet

m10: Manage your payments, transfers, and purchases in one simple app. Plus — great loan offers and cashback for purchases!
Now with handy widgets for fast payments!

What you can do with m10:

💸 Instant payments from your phone:
• Pay utility bills (gas, electricity, water, and more)
• Contactless payments in shops, cafes, and restaurants
• Top up mobile balance in just a few taps
• Pay for metro and bus rides via BakıKart
• A wide range of other services

💳 Money transfers:
• Instant commission-free transfers to other m10 users
• Transfer money to any Azerbaijani bank card without commission (up to 5,000 ₼ per month)
• Request money from your contacts directly in the app

💸 Convenient bill payments like in milliön:
• Mobile operators: Azercell, Bakcell, Nar, Naxtel, and others
• Utility services: AzəriQaz (including gas card top-up via NFC), Azərİşıq, AzərSu, Naxçıvan Qaz, Naxçıvan Elektrik, and others
• Internet: AiləNet, Avirtel, AzerOnline, Aztelecom, BIRLink, and others
• Television: AiləTV, ATV Plus, and others
• Landline phone: AzEurotel, Baktelecom, and others
• Fines : Dövlət Yol Polisi / DYP
• Parking: AzParking, BCR Parking, and others
• Banking services, Insurance, Education
• Social platforms: Odnoklassniki, Vkontakte, Мой мир
• Games: Steam, Warface, PUBG Mobile, Perfect World, War Thunder, and others
• Others:Lalafo,Wolt, Bolt Taxi, and others

🛍️Pay at thousands of locations:
Over 20,000 points of sale across Azerbaijan accept m10
• Cafes and restaurants: McDonald's, and others
• Electronics: İrşad, Kontakt, Music Gallery, and others
• Clothing: ZARA, Bershka, and others
• Supermarkets: Bravo, Bolmart, Rahat, Grandmart, OBA Market, Araz market, NAR, and others
• Clinics and pharmacies: VITA, Focus, Aloe, Buta, and others
• Gas stations: Socar, Tosoil, and others
• Other: PARK CINEMA, LIBRAFF, and others

💰 Get VAT refunds
• Scan QR codes from receipts in the app and get part of your spending back.

🎁 Earn bonuses with the Bir Bonus program:
• Up to 2% back on purchases at over 20,000 locations nationwide
• 2% back when you pay bills, utilities, TV, mobile, internet, and government services
• Use your bonuses to pay for future purchases or transfer it to your m10 balance

💰 Accumulate Lim10::
• Earn Lim10 bonuses that you can convert into real money! The more you use QR payments, the more Lim10 you earn!

💵 Free top-up for m10 balance:
• Cash top-up via milliön terminals
• Any bank card: (Birbank, Leobank, ABB Bank, Kapital Bank, Unibank, Pasha Bank, Rabitabank, Ubank, Expressbank, ATB, and others)

💵 Easy cash withdrawal:
Withdraw money at Kapital Bank ATMs

💰 Get a cash loan of up to 20,000 ₼:
The minimum loan repayment period is 365 days;
The maximum loan repayment period is 1770 days;
Loan amount from 300 AZN to 20 000 AZN;
Minimum annual interest rate: 10.9%
Maximum annual interest rate: 39.7%

Borrower requirements:
• 18-70 age range;
• Document confirming the citizenship of the Republic of Azerbaijan.

Example calculation: 20,000 ₼ for 59 months at 39.7% — monthly payment 775.29 ₼, total amount 45,742.3 ₼.

Start using m10 right now!
Choose the registration method that works best for you:
1. Register with your phone number
2. Instant login with Bir ID: If you already have a Birbank account, simply use it for instant access to m10.

Join millions of users who already enjoy the convenience and benefits of m10!

Need help? We’re always happy to assist:
• Website: https://m10.az
• Phone: *8810
• E-mail: [email protected]

Join our community on social media:
Instagram: https://www.instagram.com/m10.az
Telegram: https://t.me/limonqazani
Facebook: https://www.facebook.com/m10.az
YouTube: https://www.youtube.com/@m10byPashaPay
TikTok: https://www.tiktok.com/@m10bypashapay
WhatsApp: +994774008810

Address: AZ1010, Azerbaijan, Baku, Nasimi district, Neftchilar Avenue, building 153