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!

m10 features:
• Auto top-up: Keep your wallet balance positive at all times
• Payment reminders: Create and manage reminders so you never miss important dates
• Personal “Garage”: Add your cars, pay for parking and fines directly from your phone
• Convenient Azəriqaz cabinet: Manage your gas services easily in the app

💸 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
• m10 & Binance: Deposit and withdraw funds
• 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

🎁 Benefits and bonuses:
• Bir Bonus: Earn bonuses when paying bills or using QR payments at 20,000+ locations. Spend them on purchases or transfer them to your m10 balance

• VAT Refund: Scan receipts in the app and get part of your purchases back

• Lemons: Collect lemons and turn them into real money


💵 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!
Fast registration: Sign up with your phone number or log in instantly with Bir ID
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: 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

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