Leobank review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Leobank in Azerbaijan is a mobile bank that handles daily money through a phone app and card. For people who prefer phone led routines with grouped insight and goal savings, it places spending, deposits and loans around one card.
Key facts
- Best for
- Manage daily money by phone in Azerbaijan
- Monthly fee
- AZN 0↗
- Transfer fee
- Card-to-card to other Azerbaijan bank cards: up to 2,000 AZN per month free, above that 1% (own funds), 2% (credit funds); to foreign bank cards 1% (min 3.5 AZN) own funds, 2% (min 3.5 AZN) credit funds↗
- Legal entity
- Public Joint Stock Company "UNIBANK" Commercial Bank↗
- Headquarters
- Azerbaijan↗
- Founded
- 2021↗
- Support channels
- Phone, Chat, Help-centre, Community↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Digital-only
- Official website
- leobank.az
Savings
- Headline rate
- 8% to 11%↗
- Rate type
- Fixed↗
- Term
- 3 to 24 months↗
- Minimum deposit
- AZN 100↗
- Access terms
- Term 3-24 months, interest paid monthly or at maturity to the Leobank card, renews automatically at the bank's current rate, early closure allowed at a reduced rate↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Operates as a mobile bank with card controls inside the phone app
- Links daily spending, personal funds and loans through one card
- Provides spending breakdowns by category, shop and country with notes
- Includes deposit accounts alongside goal savings and investment learning
Cons
- Runs without branches, so daily routines stay within the app
- Operates in Azerbaijan with services centred on the home market
Who it suits
- People who prefer app controlled daily money
- People who like grouped spending insight and goal savings
Who should look elsewhere
- People who prefer branch based banking
How Leobank compares
Where Leobank is available
- Available
- Azerbaijan
- Licence in Azerbaijan
- Central Bank of the Republic of Azerbaijan (73), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Leobank?+
Leobank is a mobile bank in Azerbaijan that runs through a smartphone app. It centres everyday money around a card for spending and personal funds. Registration and card delivery are handled through the phone without branch visits.
Which products does Leobank cover?+
The range includes a card for daily spending alongside personal funds and loans. It includes deposit accounts and a savings feature that helps set aside money for goals. Learning material about investment principles and receipt scanning for VAT reclaim are also part of the offer.
Where does Leobank operate?+
Leobank serves people in Azerbaijan with an app based service in local language. Its card, transfers and payments are built for use inside that home market. People living outside Azerbaijan would find the service centred elsewhere.
How does the app help manage money?+
The app allows control of the card through PIN change plus blocking and statement review. Spending can be grouped by category, shop and country with tags and notes for planning. Money can be sent to contacts and past payments can be repeated without retyping card numbers.
Who might find Leobank useful?+
Leobank is useful for people who want phone led routines for spending, transfers and payments in Azerbaijan. It is also useful for people who value grouped spending insight and a separate place for goal savings. People who prefer branch visits have other preferences to consider.
Sources
- leobank.az checked September 26, 2026
Backs: Audience, Pricing model, Monthly fee, Support channels, Transfer fee
“Biznes: Biznes karti, LeoPOS, LeoShot, biznes referal proq-rami (Business section: business card, LeoPOS, LeoShot, business referral programme)”
- leobank.az/az/about checked September 26, 2026
Backs: Features, Headquarters, Legal entity
“Leobank "mobile-only" (filialsiz bank) prinsipine uygun olaraq yaradilmisdir (created on the mobile-only, branchless bank principle)”
- leobank.az/az/deposit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term
“Depozitin vaxtından əvvəl bağlanması: İcazə verilir (pulun çəkilməsi müddətindən asılı olaraq azaldılmış faiz dərəcəsi tətbiq edilir)”
- unibank.az/ru/aboutBank checked September 26, 2026
Backs: Founded, Licences
“V 2021 godu Unibank vpervye v Azerbaydjane sozdal Leobank po printsipu "mobile-only" (bank bez filialov)”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.