Digital bank Direct

Chat-Banking DIRECT is your virtual assistant on Facebook and WhatsApp Messenges!

With its help you can use various services:

1. Card services:

- Opening a FREE digital Visa DIRECT card;

- payment of utility services;

- replenishment of the balance of mobile communications;

- balance replenishment in terminals, ATMs with the Cash-in function, Bank branches and online purchases;

- receipt of account statements and card details at any time;

- creating a QR code and transferring funds to the card with one touch;

- card blocking.

2. Credit services:

- ordering a loan and obtaining a decision in a few minutes;

- loan payment;

- view the balance, interest rate and the amount of monthly payment;

3. Deposit services:

- deposit order with one touch;

- replenishment of a deposit account;

- viewing the amount available on the balance, accrued interest, annual interest rate, date of placement and end of the deposit.

4. The opportunity to participate in the Promotions, available only to Chat Banking users and receive rewards.

Certainly. All your transactions go through a certified secure connection of payment systems and VTB Bank(Azerbaijan) . Facebook and WhatsApp Messenger do not store any confidential information except for the one you informed it when you created your profile. Additionally, your online purchases are protected by a CVV2 code, which you can find out  through the menu "My Products" on Facebook or "Cards" / "Details and CVV2-code" on WhatsApp.

To pass identification in a Chat Banking on Facebook Messenger, you must:

1. Click a link:

2. Select "Enter Direct" button;

3. Enter phone numbers as +994501234567;

4. Enter a 6-digit code you receive via SMS;

5. Enter the FİN code of the identity card or passport number (if you are a non-resident);

6. Further you get to the main menu of the identified client if you are Bank’s client (i.e. have an account with the Bank).

To pass identification in a Chat Banking on WhatsApp Messenger, you must:

1. Click a link:

2. Send "? –Help and settings";

3. Send "3 – Login as VTB client";

4. Enter a 6-digit code you receive via SMS;

5. Enter the FİN code of the identity card or passport number (if you are a non-resident);

6. Further  you get to the main menu of the identified client if you are Bank’s client (i.e. have an account with the Bank).

A virtual card is a card with full functionality, designed for online payments, issued without physical carrier.  With this card you can do banking operations, such as transfers to other cards within the country and abroad, online purchases, balance replenishment of mobile operators, payment of utilities, creating a QR code and transferring funds to the card with one touch.

The bank gives you a virtual card Direct for free.

DIRECT card, transfers between them, top-up from cards of other banks are always FREE.

Transfers to cards of other banks and Azericard network, replenishment via MilliÖn / eManat terminals and cash withdrawal at other ATMs are subject to a Bank’s Tariffs. You can find out more about tariffs here.

Тo order a card:
1. In the main menu of Chat Banking on Facebook Messenger send "5 - Cards";

2. Enter the data required for ordering;

3. Click "Submit your application".

To order a card:
1. In the main menu of Chat Banking on WhatsApp Messenger send "5 - Cards";

2. Send "5 – Draw up a new card";
3. By clicking on the link provided, enter the data required to place an order;
4. Click "Submit your application".

Literally two clicks! In the Main Menu of Chat Banking on Facebook Messenger click the "Invite a friend" button and send him the message with a link - via Facebook or any other messenger. For you and your friend opening such a card will be free of charge.

You will receive your card within three business days from the date of order. With an additional payment of 10 AZN, you can get a card the day after the order.

If you are an unidentified client of Chat Banking DIRECT, then the maximum balance on your card cannot exceed 100 AZN, and the annual turnover of purchases in accordance with the Currency Regulation Rules of the Republic of Azerbaijan  -  1000 AZN.

To increase the Visa Direct card limit, you need:

1. Apply with a ID to any branch of VTB Bank (Azerbaijan);

2. Perform remote identification in Chat-Banking on Facebook or WhatsApp Messenger.

You can replenish card balance in several ways:
1. Via ATM (ATMs) with Cash In function;
2. Via MilliOn / eManat terminals;
3. Through the QR code generated in the Chat Banking on Facebook or WhatsApp Messenger;
4. Through Card to Card service;
5. In the branches of the Bank.

1. On the main page of the terminal in the menu “Banking services”, select “Bank VTB (Azerbaijan);
2. Indicate the last 8 digits of the card and expiration date;
3. After entering the amount in the terminal and confirm the payment.

1. The ATM you use to replenish the card balance must have the function Cash In;

2. In the “Services’ section you must select the menu “Cash to Card” and enter the 16-digit cart number;

3. Next, confirm the amount that you entered in ATM.

You can replenish the card balance with one click, using the QR code.

For this, you need:

1. Select button “Refill” in the Chat Banking on main menu;

2. In the QR window, click on the button “Create account”;

3. Select the account which you want to replenish, as well as the amount to replenish;

4. After another Chat Banking  user (who was sent a link to replenishment/QR) will scan the QR-code generated by the system, your card will be replenished by the indicated amount.

You can replenish the card balance with one click, using the QR code.

For this, you need:

1. Send «1 – Top-up» in the Chat Banking on main menu.;

2. Send «1 - QR»;
3. Select the account which you want to replenish, as well as the amount to replenish;

4. After another Chat Banking  user (who was sent a link to replenishment/QR), will scan the QR-code generated by the system, your card will be replenished by the indicated amount.

At the moment, withdrawing funds from the virtual card is not possible.

Cards provided by VTB Bank (Azerbaijan) have no restrictions on any transactions. Restrictions can be applied from the side of the site on which you perform the operation (for example, restrictions for AP cards, etc.).

When paying for gambling on foreign gaming sites, the Bank withholds a commission of 2% (min.5 AZN/USD/EUR/250RUB) + VAT in the amount of 10% of the amount winning.

 To block the card:
1. Enter the section "My Products" in the Main Menu of Chat-Banking;
2. Having chosen a card to block, click on "Card details";
3. Click on "Block Card".

In order to block the card:

1. In the Main Menu of the Chat-Bank, send "5 - Cards";

2. After choosing a card for blocking, send "1 - Details and CVV2-code";

3. After following the link click "Block card".

To unlock the card:
1. It is enough to contact the Bank’s Contact Center (+994) 986; + 994 492 00 80) provide the last 6 digits of the passport and the code word.
2. You can go to one of the branches of the Bank and unlock the card.

To order a loan  follow the link :
1. Choose button “Get a loan” in the main menu.
2. Indicate the loan amount and your monthly income.
3. If you are not logged in “My account” then enter the FIN code of the identification card in the field FIN code.
3. Confirm the order by entering the 6-digit password that has been sent to your number via SMS.

To order a loan  follow the link ;

1. Send "6 - Loans" in the Main Menu.

2. Having follow the link indicate the loan amount and your monthly income.

3. If you are not logged in “My account” then enter the FIN code of the identification card in the field FIN code ".

4. Confirm the order by entering the 6-digit password that has been sent to your number via SMS.

To order a credit card follow the link :
1. Choose button “Get a loan” in the main menu.
2. Indicate the loan amount and your monthly income in the "Credit Card" section.
3. If you are not logged in “My account” then enter the FIN code of the identification card in the field “FIN code”.
3. Confirm the order by entering the 6-digit password that has been sent to your number via SMS.

To order a credit card follow the link ;

1. Send "6 - Loans" in the Main Menu.

2. Follow the link select the "Credit Card" section;

3. Indicate the loan amount and your monthly income.

4. If you are not logged in “My account” then enter the FIN code of the identification card in the field “FIN code".

5. Confirm the order by entering the 6-digit password that has been sent to your number via SMS.

Loan applications in Chat-Banking Direct are reviewed within 30 seconds.

No guarantor is required when obtaining a loan.

 Available. You can make international transfers in a Chat Banking on Facebook or WhatsApp Messenger.

Advantages of international transfers via Chat-Banking:

1. The commission is always 1% (min. 3.5AZN/ 2USD/EUR/ 150RUB);

2. No need to leave home - sending and receiving transfers can be done via WhatsApp / Facebook Messenger;

3. The funds will be instantly credited to the recipient's card;

The restrictions of international transfers via Chat-Banking on Facebook / WhatsApp Messenger:

1. The service is available to the identified users of Chat Banking only;

2. International transfers can only be made between cards of the VISA payment system (for a card with 16 digits, which includes the International Payment System VISA, starts with the number 4);

To make an international transfer in a Chat-Banking on WhatsApp Messenger, you need:

1. Submit "3-Transfers" on the Main Menu;

2. Click on the link;

3. Select "International" tab which will open in new window

4. Fill in the required fields (from card / account, to card, recipient's first and last name, transfer details);

5. Confirm the transfer.

To make an international transfer in a Chat-Banking on Facebook Messenger, you need:

1. Select "Pay" on the Main Menu;

2. Select "Transfer from card to card";

3. In the open window click on "International transfers" tab;

4. Fill in the required fields (from card / account, to card, recipient's first and last name, transfer details);

5. Confirm the transfer.

Yes. Transfer different from the card currency is possible. In this case, the conversion takes place at the Bank's rate for card transactions on the day of the transaction with no commission charged .

The maximum amount of international transfer via Chat-Banking can be 1000 USD during the day and 10 000 USD (or equivalent in another currency) within a month, in accordance with the Currency Regulation of the Republic of Azerbaijan.

The commission for international transfers via Chat-Bank is 1% (min. 3.5AZN/ 2USD/EUR/ 150RUB).

If it is impossible to make an international transfer, you should contact the Bank's Contact Center (986) to find out the reasons.

The funds are instantly transferred to the recipient's card.

This feature in a gadget that allows you to make payments with one touch, holding gadget against POS terminal. VTB NFC meets all requirements and is an innovative service.

To use contactless payment service:

- Download the application Direct Pay by VTB from Play Market;

- Enter the application and allow the device to make NFC payments;

- Add your contactless Visa card of VTB Bank (Azerbaijan);

- Enter the specified text from the picture;

- Enter a code received via SMS, for security;

- After completing the registration set a password to enter the system;

- Select the card;

- Come to “Services” section;

- Start contactless payments be selecting "Enable Contactless Payments".

For making payment using contactless payment service:

- come to Direct Pay by VTB section;

- select the card;

- hold the gadget to POS-terminal supporting Paywave  function and make the payment pressed "Make a contactless payment".

For disabling contactless payment feature:

- come to Direct Pay by VTB section;

- select the card;

- pressed "Disable contactless payments" disabling the functionality on the card.

You can connect Visa contactless card of VTB Bank (Azerbaijan) to the service.

There is no charge for making contactless payment with Direct Pay by VTB application.

Making contactless payments without having to enter PIN, which is possible up to 100 AZN.

Contactless payments can be made through terminals which are set up to accept Paywave  functionality 

The personal data when paying contactless card is protected, because a card number is not displayed anywhere.

It is impossible to withdraw funds with your device on which the app Direct Pay by VTB is downloaded or contactless card accidentally.

When a contactless card or a gadget had been lost you should contact to Contact Centre of “Azericard” Processing Centre (194) immediately and block the card.

In case, if you are unable to make contactless payment, you should contact the support service of “Azericard” Processing Centre (194) or Bank’s Contact Centre (986) to find out the reasons.