Bir

Bir is a comprehensive digital ecosystem in Azerbaijan that brings together financial, shopping and transportation services in one convenient platform. The ecosystem includes Birbank, offering modern digital and traditional banking services such as loans, deposits and cards; Birmarket.az, an online shopping platform with year-round discounts, installment options and bonus rewards; m10, an e-wallet for fast payments, cash loans and utility bills; BakiKart for seamless public transport payments via QR codes; and a partnership with Trendyol, giving access to world-famous brands delivered from Turkey. The unified One ID login lets users access all Bir services with a single account, while Bir Pay combines payment and credit tools into one dashboard for both customers and business partners. The Bir Bonus loyalty program rewards users for every transaction made through Birbank, m10, Birmarket.az and a wide partner network, letting them spend earned bonuses however they like. Recognized among the world's top fintech companies by CNBC and Statista, and partnering with global payment networks like UnionPay, Bir continues to innovate and simplify everyday life for millions of people in Azerbaijan through integrated, accessible and rewarding digital solutions.