This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.
m10 — Digital Wallet
Send commission-free transfers to any bank card, pay utility bills remotely, and earn instant cashback. From managing your car to crypto integration, handle all your finances in one secure app, wherever you are in the world.
Downloads
1M+User Rating
Total Ratings
102K+Publisher
Category
FinanceLocales
3Latest Version
1.435.0Size
233.1 MBFirst Released
Sep 28, 2022Stay Financially Connected to Azerbaijan
The ultimate digital bridge for the diaspora. Manage utility bills, send money home without fees, and handle your Azerbaijani assets from the comfort of your home in the USA.
Fee-Free Money Transfers
Send up to 5,000 ₼ every month to any bank card in Azerbaijan with 0% commission. The fastest and most cost-effective way to support your loved ones from abroad.
Remote Utility & Property Management
Pay gas, water, and electricity bills for your family in Baku instantly. Even handle parking fines and car taxes remotely via the dedicated 'Garage' feature.
Frequently Asked Questions
Everything you need to know about m10 — Digital Wallet
What is m10 and what services does it provide?
m10 is a digital wallet application that manages payments, transfers, and purchases. It also offers favorable credit, cashback bonuses, utility payments, mobile top-ups, and the m10kart digital debit card.
How can I get a digital m10 debit card?
Yes, m10 offers a digital m10kart. You can obtain this digital debit card within seconds through the m10 application. It is valid for three years and its balance is shared with your m10 wallet.
Does m10 support commission-free money transfers?
Yes, m10 supports commission-free money transfers. You can transfer funds instantly to other m10 users without any fees. Transfers to any Azerbaijani bank card are also commission-free up to 5,000 ‘ per month.
Can I pay utility bills using the m10 application?
Yes, m10 allows you to pay various utility services. This includes gas, electricity, and water bills. You can also manage gas services through the dedicated Azəriqaz cabinet feature within the app.
How does the VAT refund system work in m10?
m10 offers a VAT refund system where you scan the QR code of your receipt. After scanning, you receive a portion of the amount spent back. This is managed via the "ƏDV geri al" feature.
What are the credit options available through m10?
m10 facilitates obtaining a cash credit of up to 25,000 ‘. The application process takes only two minutes, requires no additional documents or guarantors, and features interest rates starting from 10.9%.
Can I top up my BakiKart directly through the m10 app?
Yes, m10 enables BakiKart top-ups. You can make payments for metro and bus services via BakiKart using the app. Screenshot #7 specifically shows BakiKart payment via QR code.
Where can I earn and use m10 bonuses?
m10 offers bonuses starting from 2% at over 20,000 sales points and for bill payments. You can use these bonuses for subsequent payments, including BakiKart tickets, or transfer them to your m10 balance.
How can I top up my m10 wallet balance?
You can top up your m10 balance commission-free. Options include using Milliön terminals with cash or any bank card from various financial institutions like Birbank, Kapital Bank, and Unibank.
Does m10 allow cash withdrawals from the wallet?
Yes, m10 supports cash withdrawals. You can easily withdraw cash from your m10 wallet at Kapital Bank ATMs, as stated in the app's features.
The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.
App Store
Screenshots
The m10 digital wallet interface showing a five hundred AZN balance and a virtual Mastercard
m10 Digital Wallet app payments screen showing various service categories and a 2 percent bonus badge.
m10 app interface showing a cash loan offer of up to 25000 AZN with interest rate and repayment terms
Screenshot of the m10 digital wallet app showing the VAT cashback interface with a balance and recent receipt transactions.
Smartphone screen showing the m10 digital card and payment features
Illustration of a hand holding a smartphone showing international money transfer options with various currency symbols.
m10 digital wallet interface showing a BakiKart QR code for public transport payments
Smartphone displaying the Bir Bonus rewards screen in the m10 app showing points balance and spending options
Description
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This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.