“Know your customer” technology
Identifying customers and signing documents online in a paperless way with a user-friendly interface. No need to go anywhere.
 
                                Be calm about your funds
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	Freeze card Freeze your card for a while to avoid unexpected transactions. 
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	Change linked number Quickly change mobile number added to the account. 
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	Replace card Change your card easily in case of fraudulent transactions. 
 
                                Apple Wallet
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	Faster and easier than using cards or cash 
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	Built-in privacy and security. Every purchase is secured through Face ID, Touch ID, or passcode authentication 
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	Accepted on millions of websites and apps 
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	Available on all Apple devices 
Google Wallet
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	No need to carry cash and bank cards 
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	It is safe 
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	No need to open any app, just unlock your phone and hold it close to the contactless payment terminal 
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	Complete online purchases even faster 
Protect payment details
All online transactions are protected with 3D Secure that requires OTP or in-app confirmation. Get push notifications when your card is used. No payment will be performed without your approval.
 
                                FAQ
akart is completely free of charge.
“akart“ is valid for 3 years. At the end of 3 years, the balance of the card remains in the wallet and is automatically transferred to that card when a new card is activated. If the subscriber does not activate the new card, the remaining money in the wallet will be blocked.
Currently, only 1 “akart“ can be in the name of a subscriber at one time.
“akart“ is provided instantly.
“akart“ is not provided to subscribers under 18 years of age.
“akart“ is not provided if the subscriber is not a citizen of Azerbaijan.
Funds from akart account can be cashed in all terminals supporting the NFC system.
• A 1% commission (min. 1 AZN) will be applied at PASHA Bank and Kapital Bank ATMs,
• A 2% commission (min. 2 AZN) will be applied when cashing out at other banks' ATMs. (Additional commission can be applied based on the terms of the issuer bank.)
Note: Starting from 10/23/2023, cash-out transactions using “akart” at ATMs abroad will no longer be available.
 
                                                            