Frequently Asked Questions

The number of overdue days will be taken into consideration. The delay must not exceed 30 days. Customers with overdue payments of more than 30 days are highly likely to receive an automatic rejection in the system.

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You can visit any Yapı Kredi Bank branch with your identity card or passport, choose the deposit type that best suits your needs, and place your deposit.

We can explain it with an example. For example: If you place a deposit of 1,000 AZN for a term of 1 month at an annual interest rate of 5%, the calculation will be as follows: 1,000 × 5/100 = 50 AZN (this represents the annual interest amount for a 1,000 AZN deposit). Since your deposit term is 1 month, the annual interest amount of 50 AZN must be divided by the number of months in a year, i.e., 12. 50 ÷ 12 = 4.17 AZN (four manat and seventeen gapik) Accordingly, for a 1-month deposit of 1,000 AZN at an annual interest rate of 5%, your earned interest will amount to 4.17 AZN (four manat and seventeen gapik). 

As of February 1, 2023, according to the Tax Code, annual interest income paid on individual deposits is subject to income tax.

Yes, you may withdraw your deposit at any time. However, in such cases, the deposit will accrue interest at an annual rate of 0.05%.

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Within the widespread network of World Member Commercial Facilities, you can take advantage of bonus points and installment payment options, as well as enjoy numerous benefits—from exclusive campaigns designed for you to privileged additional services—that simplify and enrich your life.

You will earn bonus points on all your purchases made with World.

You can use the points you earn to shop at World Member Commercial Facilities.

In addition, you can benefit from installment cash advances with your card, and conveniently repay them over 3 to 12 months at fixed and highly competitive interest rates.

To determine the Worldcard that best suits your needs, you may visit the nearest Yapı Kredi branch or contact the Yapı Kredi Call Center at *0444, available 24/7, 365 days a year.

To get a debit card (PulKart), simply visit one of our branches with your identity card. Click here to view branch addresses. The card is valid for 5 years. With PulKart, you can also earn loyalty points on your purchases and redeem them for free shopping at World Member Commercial Entities.
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If your credit card is lost or stolen, please immediately call the Yapı Kredi Call Center at *0444 to report it.

Worldcard Classic

Worldcard Gold

Worldcard Platinum

Worldcard Business

Virtual Card

For detailed information, please visit:  https://www.worldcard.com.az/worldu-taniyin/worldu-kesfet/faiz-ve-kart-ucretleri.aspx

Yes, you can withdraw cash advances at any time. You also have the option to repay the withdrawn cash advance in installments.  For applicable interest rates, please refer to the following link and use the calculator to estimate your repayment:http://bit.ly/1gEnzq

You can receive your Account Statement every month via SMS or email, depending on your preference. In addition, you may call the Yapı Kredi Call Center at *0444 (available 24/7) or log in to Internet Banking to check your outstanding balance at any time.

It is an order that allows your monthly bill payments to be automatically charged to your Worldcard or PulKart. You can set up this order for mobile and landline phones, utility payments, cable TV, and internet bills. The instruction can be provided via Internet Banking, the Yapı Kredi Call Center (*0444), or by visiting any Yapı Kredi branch.

You must notify the Yapı Kredi Call Center (*0444) or your nearest Yapı Kredi branch of your new phone number within 15 days at the latest. This is essential to ensure that you continue receiving your account statements, as well as timely updates on campaigns and services.

We provide three types of transfer services: Western Union (WU), AniPay, and SWIFT.

0.3% min 25 USD.

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For CIS countries, the commission starts from 3 USD. For countries outside the CIS, the commission starts from 13 USD.

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You can apply by visiting any of our branches to register for Internet Banking. Once your request is processed by our customer representative, your static password will either be sent via SMS to your registered mobile phone number or provided to you in a sealed envelope. 

Your customer number is the user code required to log in to Internet Banking. If you do not remember your customer number, you can call the Yapı Kredi Call Center at *0444, available 24/7.

If you do not remember your password, please contact the Yapı Kredi Call Center at *0444, available 24/7. 

“Smart SMS” is one of the Smart Password options. It is a system that sends a One-Time Password (OTP) via SMS to your mobile phone for Internet Banking logins and payment transactions.

Smart Key is a product that provides Internet Banking users with two-factor authentication. Each time you use Smart Key, a new One-Time Password (OTP) is generated. This password must be entered to log in to Internet Banking and to confirm transactions.
 
 After entering your Customer Number and password, the system will request the One-Time Password on a new screen, which serves as your identity verification. 

If you forget your Company Code and/or User Code, please contact your branch or the Yapı Kredi Call Center at *0444, available 24/7.

Yes, you can choose a username (nickname) to use instead of your User Code when logging in to Internet Banking.
 
 After logging in with your current Customer Number, you can set a more memorable username in the Password Operations menu under the User Code Assignment/Change section. To do this, after logging in to the website, go to the Password Operations menu and select User Set/Change Code. There, you can define a username that is easier to remember. Thus, you can log in using either your previous User Code or the newly defined Username. 

If the phone number registered for Smart SMS is still active, you can change it after logging in to Internet Banking. From the Security Settings / Smart Password / Smart SMS / Smart SMS Number Change menu, enter the one-time confirmation code that will be sent to your current number to complete the update. 4. Can I continue using Smart SMS abroad? Yes, if you have activated roaming services on your mobile phone, you can continue using Smart SMS abroad. Otherwise, we recommend using the Smart Key.

1. Provides two-factor authentication;
2 Generates one-time passwords that cannot be reused;
3. Easy to use.

The Smart Key costs 10 AZN.

The minimum amount for an installment-based cash advance is 100 AZN.

By selecting the Account Statement menu on the ATM screen, you can view your latest statement information, including current balance, outstanding debt, minimum payment due, and the due date of your payment.