1 USD 1.7000   1 EUR 1.9801   1 AED 0.4628   1 ARS 0.0616   1 AUD 1.2611   1 BRL 0.4417   1 BYN 0.8540   1 CAD 1.2906   1 CHF 1.7014   100 CLP 0.2602   1 CNY 0.2523   1 CZK 0.0766   1 DKK 0.2657   1 EGP 0.0950   1 GBP 2.2228   1 GEL 0.6924   1 HKD 0.2166   100 IDR 0.0118   1 ILS 0.4673   1 INR 0.0247   100 IRR 0.0039   100 JPY 1.5077   1 KGS 0.0249   100 KRW 0.1503   1 KWD 5.6122   1 KZT 0.0049   100 LBP 0.1126   1 MDL 0.1022   1 MXN 0.0899   1 MYR 0.4188   1 NOK 0.2080   1 NZD 1.1534   1 PLN 0.4592   1 RUB 0.0270   1 SAR 0.4533   1 SDR 2.3796   1 SEK 0.1918   1 SGD 1.2440   1 TJS 0.1805   1 TMT 0.4857   1 TRY 0.3533   1 TWD 0.0555   1 UAH 0.0644   100 UZS 0.0217   1 XAG 26.3111   1 XAU 2082.0325   1 XPD 1544.9430   1 XPT 1384.0975   1 ZAR 0.1280   
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Rashad Jumshudov

Director of development department ICB «NIKOIL»
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Dilara Zamanova

Head of Corporate Communication Division «AtaHolding» OJSC
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Chimnaz Gasimova

HR Consultant, Coach, Trainer
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Expert of a labor market
Kseniya Trohimets

Marketing supervisor in the region of Central Asia and Transcaucasia, Jobs.Day.Az jointly with hh.ru
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Visa and Kapital Bank presentafirst in Azerbaijan - Visa debit and credit card on a single medium - Dual Card

Baku, Finance Time. Visa Inc. (NYSE:V) and Kapital Bankpresented in Azerbaijan an innovative banking product which is unparalleled in the CIS and South-Eastern Europe countries and combines two full-fledged Visa cards –a debit card and a credit card, known as Dual Card. It is very convenient payment product as one card can be used for all transactions. Azerbaijan becomes the first country in the CIS andSouth-Eastern Europe region, where this innovative product has been launched.

Visa Dual Card from Kapital Bank has a single chip, as with many other bank issued cards in Azerbaijan. The difference is that the built-in chip contains the data of two cards or underlying accounts –both debit and credit. Each card account has its own number indicated on the front of the card. When making a payment, the consumer chooses which cardthey would like to access.   The POS-terminal at the point-of-sale or the ATM reads the data from the chip and offers the consumerthe choice of which account should be debited for their transaction.

"Our innovative product Visa Dual Card, which we have jointly launched with Kapital Bank in Azerbaijan, is a new approachto a traditional banking product. Its development is the result of bringing innovation to produce high-end card solution that meets the market needs" - comments Igor Kovaliov, Visa country manager for Azerbaijan, Belarus and Moldova. - Azerbaijan became the first country in the region, where we are launching this innovative product. I hope that the consumers will see the benefits of this combined product to facilitate electronic payments for all transaction types in Azerbaijan. We are committed to continue cooperation with our partners, governments and regulators in joint efforts to create advanced payment solutions and to promote a cashless consumer experience in Azerbaijan."

"Kapital Bank has the largest service network in Azerbaijan and provides services to customers in 90 branches and 2 divisions all over the country. Bank pays special attention to cooperation with international payment systems. We have been partnering with Visa, global payment system, since 2003. I am confident that this project will also bring success to KapitalBank", - commented VusalNagiyev, Channel Sales Executive at Kapital Bank.


About Visa Inc.

Visa Inc. (NYSE:V) is a global payments technology company that connects consumers, businesses, financial institutions, and governments in more than 200 countries and territories to fast, secure and reliable electronic payments. We operate one of the world's most advanced processing networks — VisaNet — that is capable of handling more than 65,000 transaction messages a second, with fraud protection for consumers and assured payment for merchants. Visa is not a bank and does not issue cards, extend credit or set rates and fees for consumers. Visa's innovations, however, enable its financial institution customers to offer consumers more choices: pay now with debit, pay ahead of time with prepaid or pay later with credit products[1]. More information is available at the following links:www.visa.com.az,https://www.facebook.com/visaazerbaijan

About Kapital Bank

Kapital Bank has the largest service network in Azerbaijan and provides services to customers in 90 branches and 2 divisions all over the country. More detailed information about bank’s products and services can be found on the web site www.kapitalbank.az, bank’s pages in social media and also bycalling to customer service centre - number 196. 



[1] Visa International Service Association (USA) offers banks the possibility of issuing Visa payment cards. The issuing banks may impose limitations on Visa cards. Please refer to the issuing banks for information regarding the terms of issuance and operation of Visa payment cards. The issuing banks may place limitations on products, services and their usage based on the applicable law. For more information, visit www.corporate.visa.com , www.visa.com.ge , https://www.facebook.com/VisaGeorgiaGE

Diana Cazacu
Expert of consulting company "Advision Finance"

Jahangir Ganizadeh
Director of the Project Division of "AtaTechnology"

Damla Bayik
Sales & Marketing Director of "Aura Wellness Centre"

Mehmet Ayan
Food & Beverage Manager of "Green House"

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