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All big things begin with small! This kind of deposit is an ideal for increase of your money.

Accessible minimum amount of deposit is just 100 AZN / USD, and possibility of unlimited replenishment and capitalization of interests makes it an attractive and accessible for any customer.

Interest of this deposit can be paid to customer`s account or trasfered to special card account or added to the deposite amount by capitalization according to the choise of customer.

Deposit holders can get MasterCard DebitMobile Bank and SMS-notifications free of charge.

Enjoy the benefits of Sandygcha deposit - capitalization of interests – interests added to the principal amount of the deposit and then accrual of percents on already replenished balance. 

Place your money on "Sandygcha" deposit and get accrued interest monthly

Low initial amount of the deposit makes it accessible and does not require large investment.

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Annual interest rate

6%  AZN

1%  USD

Term of deposit

12 months

Minimal amount


Maximal amount 

10 000 AZN/USD



Calculation and payment of interest

Interests are accrued monthly on the customer’s checking /card account or capitalized, i.e. added to the primary amount of the deposit and are not withdrawn by the deposit holder from the account.

Replenishment of the account 

Replenishment is allowed in the amount not more than maximal amount of the deposit

Partial withdrawal of deposit  

Not allowed 

Early withdrawal of deposit 

In case of withdrawal of deposit ahead of schedule amount of the earlier paid interest will be deducted from the primary amount of the deposit. Interests for the actual term of deposit are calculated as follows:


Annual interest rate 

Up to 3 months

3-6 months

6-9 months

9-12 months


interest not accrued  






interest not accured



Your deposits are insured!



Would you like to open a deposit?

6 Months

With capitalization
Without capitalization