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Terms
Note
| Duration (months) |
Standard annual rate |
For deposits opened with the “Automatic recovery” prolongation option before 03/09/2023 Since the activation of “Automatic recovery” prolongation** |
| Interest monthly payment |
Interest payment at the end of term |
Interest monthly payment |
Interest payment at the end of term |
| 6 |
9% |
9.75% |
3% |
4% |
| 12 |
10% |
10.75% |
6% |
6.5% |
| 18 |
10.5% |
11.25% |
6.5% |
7% |
| 24 |
10.5% |
11.25% |
6.5% |
7% |
| Duration (months) |
Standard annual rate |
Interest rate by campaign (from 01/22/2026, applies only to deposits opened within the campaign on the terms of this campaign)* |
For deposits opened with the “Automatic recovery” prolongation option before 03/09/2023 Since the activation of “Automatic recovery” prolongation** |
| Interest monthly payment |
Interest payment at the end of term |
Interest monthly payment |
Interest payment at the end of term |
Interest monthly payment |
Interest payment at the end of term |
| 6 |
1% |
1.5% |
3% |
3.5% |
0.1% |
0.3% |
| 12 |
2% |
2.3% |
3.5% |
3.5% |
0.5% |
1% |
| 18 |
2% |
2.4% |
3.5% |
3.5% |
0.5% |
1% |
| 24 |
2% |
2.5% |
3% |
3.5% |
0.5% |
1% |
** - Note: For deposits opened on the terms of "Automatic recovery" prolongation until 03/09/2023, at the time of activation of "Automatic recovery", the annual interest rate provided for this type of deposits in the Table No. 1 and interest on the deposit with the moment of prolongation are calculated based on the annual interest rate.
* - Note: Deposit campaign in US dollars is valid until 01 May 2026.
If the annual interest rate on a deposit exceeds the interest rate for protected deposits determined by the Deposit Insurance Fund (currently set at 2.5% per annum), the deposit may be accepted, at the customer’s request, at the interest rate established by the Deposit Insurance Fund for protected deposits.
** - Note: For deposits opened on the terms of "Automatic recovery" prolongation until 03/09/2023, at the time of activation of "Automatic recovery", the annual interest rate provided for this type of deposits and interest on the deposit with the moment of prolongation are calculated based on the annual interest rate.
- Deposit currency: AZN, USD
- Minimum initial deposit: 50 AZN / USD
- Deposit term: AZN deposits - from 6 to 24 months, USD deposits - from 6 to 24 months
- Maximum interest rate: AZN - 11.25%; USD - 3.5%
- Interest payment: at the customer’s choice — monthly or at maturity
- The campaign applies to customers placing new deposits in USD currency
- The campaign does not apply to renewed (prolonged) deposits
- Deposits opened within 1 month after a deposit is closed and funds are transferred to a current account are not considered new deposits
- Deposits opened using funds from “Əlverişli Deposit” and “Sərbəst Deposit” accounts are not considered new deposits
- The campaign does not apply to deposits opened online via the myAccess mobile application
During automatic renewal of term deposits of existing clients with deposits in manats, the following interest rates are applied to these deposits: :
- The interest rate on time deposits opened for a period of 1 to 9 months with automatic extension of a term deposit will be set in accordance with the current interest rate on time deposits opened for a six-month period..
- The interest rate on term deposits opened for a period of 9 to 12 months with automatic extension of a term deposit will be set in accordance with the current interest rate on term deposits opened for twelve months.
- The interest rate on term deposits opened for a period of 13 to 18 months with automatic extension of a term deposit will be set in accordance with the current interest rate on term deposits opened for a twelve month period.
- The interest rate on term deposits opened for a period of 19 to 24 months with automatic extension of a term deposit will be set in accordance with the current interest rate on term deposits opened for an eighteen month term.
During the automatic renewal of term deposits of existing customers with US dollar deposits, the following interest rates are applied to these deposits:
- The interest rate on time deposits opened for a period of 1 to 9 months with automatic extension of a term deposit will be set in accordance with the current interest rate on time deposits opened for a six-month period..
- The interest rate on term deposits opened for a period of 9 to 12 months with automatic extension of a term deposit will be set in accordance with the current interest rate on term deposits opened for twelve months.
- The interest rate on term deposits opened for a period of 13 to 18 months with automatic extension of a term deposit will be set in accordance with the current interest rate on term deposits opened for a twelve month period.
- The interest rate on term deposits opened for a period of 19 to 24 months with automatic extension of a term deposit will be set in accordance with the current interest rate on term deposits opened for an eighteen month term.