m10 — Digital Wallet

About m10 — Digital Wallet Android App

m10 is a free e-wallet that makes life easier. Transfer money, pay bills, and buy whatever you want - quick and easy!

With m10, you can:
💸 Pay for everything from your phone:
- Utility bills (gas, electricity, water, etc.)
- Make payments in stores and cafes
- Pay for bus and metro tickets (with BakiKart)
- Top up your mobile phone balance
- And much more!

💳 Transfer money:
- To any bank card — no commission
- To m10 users: up to 20,000₼ per month — no commission

💸 Pay bills just as in MilliÖN:
- Mobile balance — Azercell, Bakcell, Nar, Naxtel, and other operators
- Utility services — gas card using NFC, AzəriQaz, Azərİşıq, AzərSu, Naxçıvan Qaz, Naxçıvan Elektrik, Naxçıvan Su, Meliorasiya, and others
- Internet — AiləNet, Avirtel, AzerOnline, Aztelecom, BIRLink, and others
- Television — AiləTV, ATV Plus, Aztelecom, Baktelecom, KATV, and others
- Landline phone — AzEurotel, Aztelekom, Baktelekom, Ultel Telefon, TransEuroCom, and others
- Fines — DYP (Dövlət Yol Polisi)
- Banking services
- Insurance
- Education
- Parking

🛍️ Make purchases at more than 20,000 locations across the country:
- Cafes and restaurants — Vapiano, Mado, KAFE DREAM KITCHEN, and others
- Electronics — İrşad, Kontakt, Baku Electronics, Music Gallery, and others
- Clothing — ZARA, Swarovski, Bershka, and others
- Supermarkets — Bravo, Bolmart, Rahat, Grandmart, OBA Market, Araz market, NAR, and others
- Clinics and pharmacies — VITA, Focus, Aloe, Buta, and others
- Gas stations — Socar, Tosoil, and others
- Other — PARK CINEMA, LIBRAFF, AMAZON, Game Station, Oyun Zali, 1ST Fitness, AzParking, and others

🎁 Earn cashback with Umico bonuses:
- A minimum of 2% payment bonuses at more than 20,000 locations nationwide.
- 2% on bill payments, utility services, cable television, mobile communications, internet, and government services.
Use accumulated Umico bonuses for future purchases or transfer them to your m10 balance.

💰 Accumulate Lim10:
- The more QR payments you make, the more Lim10 you will earn! You can convert these bonuses into real money!

💵 Top up m10 without commission:
- Cash at MilliON terminals
- Any bank card: Birbank, Leobank, ABB Bank, Kapital Bank, Unibank, Pasha Bank, Rabitabank, Ubank, Bank Respublika, Dost Bank, Xalq Bank, Expressbank, ATB, and others.

💵 Withdraw cash without commission:
- At Kapital Bank ATMs

💰 Get a cash loan of up to 20,000 ₼:
The minimum loan repayment period is 365 days;
The maximum loan repayment period is 1770 days;
Loan amount from 300 AZN to 20 000 AZN;
Minimum annual interest rate: 10.9%
Maximum annual interest rate: 39.7%

Borrower requirements:
- 18-70 age range;
- Document confirming the citizenship of the Republic of Azerbaijan.

Example calculation: 20,000 ₼ for 59 months at 39.7% — monthly payment 775.29 ₼, total amount 45,742.3 ₼.

Join millions of users and simplify your life today!
- Download the m10 app
- Register with your mobile number
- Complete photo verification

Want to learn more? Visit our website https://m10.az
Have thoughts, feedback, or questions?
Our support team is always ready to help!
- Call us at *8810.
- Email us at [email protected]

Let’s stay connected!
Instagram: https://www.instagram.com/m10.az
Telegram: https://t.me/limonqazani
Facebook: https://www.facebook.com/m10.az
YouTube: https://www.youtube.com/@m10byPashaPay
TikTok: https://www.tiktok.com/@m10bypashapay
WhatsApp: +994774008810

Address: AZ1010, Azerbaijan, Baku, Nasimi district, Neftchilar Avenue, building 153