Terms
Minimum deposit amount   50 AZN (or USD / EUR)
Maximum deposit amount   No limit
Interest rate payment   Monthly

Deposit duration   Interest rate calculated (AZN)
     

Monthly withdrawal

Quarterly withdrawal

 

Bi-annual
withdrawal

Yearly withdrawal

 

Withdrawal 
at the end of 
the term

    AZN    AZN     AZN    AZN    AZN
3 months   3   3     -   -   3
6 months   4   4     4    -   4
9 months   7   7,1     -   -   8
12 months   12   12,1     12,3   12,5   12,5
18 months   12,2   12,3     12,4   12,6   12,7
24 months   12,5   12,6     12,7   12,8   13
30 months   12,7   12,8     12,9   13   13,2
36 months   13   13,1     13,2   13,3   13,5

 

Deposit duration   Interest rate calculated (USD)
      Monthly withdrawal   Quarterly withdrawal   Bi-annual
withdrawal
Yearly withdrawal
  Withdrawal 
at the end of 
the term
    USD    USD     USD    USD   USD
3 months   -   -     -   -   2
6 months   2,5   2,6     -   -   3
9 months   2,6   2,7     -    -   3
12 months   3   3     3   3   3
18 months   3   3     3   3   3
24 months   3   3     3    3   3
30 months   3   3     3   3   3
36 months   3   3     3    3   3

 

 

Deposit duration   Interest rate calculated (EUR)
      Monthly withdrawal   Quarterly withdrawal   Bi-annual
withdrawal
Yearly withdrawal
  Withdrawal 
at the end of 
the term
    EUR    EUR     EUR    EUR   EUR
12 months   1,0   1,1     1,1   -   1,2
18 months   1,1   1,1     1,2   -   1,3
24 months   1,1   1,2     1,2    1,3   1,3
30 months   1,2   1,2     1,3   -   1,4
36 months   1,2   1,3     1,3    1,4   1,5



Advantages:

– A client gets the opportunity to deposit funds not less than AZN/USD/EUR 20 in addition to the principal deposit amount;

Note: The amount of added funds to the main deposit amount shall not exceed the amount of the initial deposit by 2 times when there are less than 6 months left until the contract expiration date;

For instance: if a client replaced AZN/USD/EUR 100 in “Guven” deposit for 18 months, any amount can be added to the principal amount of deposit between 1st and 12th month. Maximum AZN/USD/EUR 500 can be added monthly basis starting from the 13th month.

– A client has a right to get urgent credit facility of up to 90% of the deposit;
– A client receives a free plastic card linked to his current account. A client can withdraw the calculated interests of his deposit from ATMs by using this plastic card without coming to the Bank;
– There is an opportunity to open the deposit bank account in favor of third parties.

 

Amount of the (AZN/USD/EUR)   Type of the plastic card
500 – 4 999   Visa Electron or Mastercard Maestro
5 000 – 19 999   Visa Classic or Mastercard Standard
20 000 – 49 999   Visa Gold or Mastercard Gold
 50 000 and over   Mastercard Platinum and Visa Platinum

 

In case of prescheduled withdrawal of funds

Deposit duration  
Interest rate calculated
    USD
0– 179 days   0%
180 – 359 days   1%
360 – 719 days   1.5%
720 – 1079 days   2%

Deposit duration  
Interest rate calculated
    EUR
0– 179 days   0%
180 – 359 days   0.5%
360 – 1079 days   0.75%

Deposit duration  
Interest rate calculated
    AZN
0– 89 days   0%
90 – 179 days   1%
180 – 269 days   2%
270 – 359 days   3%
360 - 1079 days   4%
Current account services
Loans
   Consumer loans
   Business loans
Plastic cards
   Tariffs
   VISA Infinite
   "Yubiley" cards
   Internet-banking
   SMS-notification
   Mobil banking
   Limits
   Card-to-card
   Cash by Code
   PIN Change
   MasterCard Money Send
   3D Secure service
   POS Credit service
Savings
   Lider deposits
   Guven deposits
   Avans deposits
Urgent money transfers
Deposit cell lease
FATCA
Search