m10 — Digital Wallet

Payments, transfers, QR payments, and bonuses — all in m10.
Pay bills, send money, earn bonuses, get VAT refunds, and apply for online loans — all in one app.

💸 PAYMENTS
Pay for 400+ services in one app.
• Transport: BakıKart, metro, and buses
• Mobile operators: Azercell, Bakcell, Nar, Naxtel
• Utilities: Azəriqaz, Azərişıq, Azərsu
• Internet & TV: AiləNet, Aztelecom, BİRLink, Azeronline, and more
• Parking & fines: DYP, AzParking
• Games & entertainment: Steam, PUBG Mobile, War Thunder
• Online services & marketplaces: Tap.az, Turbo.az, Bina.az, Lalafo, Tezbazar
• Banking, insurance, education, and other services
Create templates and make payments in just one tap.

💳 MONEY TRANSFERS
Send money quickly and easily.
• Commission-free transfers between m10 users
• Transfer money to any bank card
Up to 5,000 ₼ in commission-free transfers per month
• Request money directly through the app

🛍️ QR PAYMENTS & VAT REFUNDS
Pay with QR at more than 20,000 locations.
Scan receipts in the app and get VAT refunds on your purchases.

Partners include:
• Bravo, Araz, Rahat, and other supermarkets
• McDonald’s and hundreds of cafes and restaurants
• Kontakt, İrşad, Music Gallery
• Pharmacies, cinemas, gas stations, and fashion stores

🎁 BONUSES & BENEFITS
• Bir Bonus — earn bonuses for QR and bill payments, spend them on purchases, or transfer them to your m10 balance
• Lemons — collect and exchange them for real money

⚙️ USEFUL FEATURES
• Garage — add your car, pay parking fees and fines
• Auto-payments & reminders — stay on top of important payments
• Azəriqaz cabinet — manage gas services directly in the app

💵 TOP UP & CASH OUT
• Top up your balance with 0% commission via Milliön terminals and bank cards
• Supports Birbank, ABB, Unibank, Leobank, Pasha Bank, Rabitabank, Ubank, Expressbank, Dost bank, Yelo bank, xalq bank, AFB, ATB, and other bank cards
• Withdraw cash at Kapital Bank ATMs

💰 ONLINE LOANS
Apply for a loan directly in the app without visiting a bank.
• Amount: 300–25,000 AZN
• Term: 12–59 months
• Interest rate: from 10.9% to 43.8% annually

Minimum loan term — 365 days
Maximum loan term — 1770 days

Requirements:
• Age: 18–70
• Citizenship of the Republic of Azerbaijan

Example calculation:
A 25,000 ₼ loan for 59 months at 43.8% annual interest: monthly payment — 1,038.34 ₼, commission — 750 ₼, total repayment amount — 62,012.06 ₼.

📲 QUICK SIGN-UP
Register with your phone number or sign in instantly with Bir ID.

Questions?
• Website: m10.az
• Hotline: *8810
• E-mail: info@m10.az

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