ATM Fees in Azerbaijan
Azerbaijani Manat (AZN) • Updated April 2026
Azerbaijan has a modern banking system in Baku with good ATM coverage. Kapital Bank, Pasha Bank, and Bank Respublika are reliable for foreign cards. Card acceptance is excellent in Baku but limited in regions.
Tips for Azerbaijan
- • Kapital Bank and Pasha Bank ATMs work well with foreign cards
- • Baku is very card-friendly, especially in tourist areas
- • Always choose AZN at ATMs
- • USD and EUR can be exchanged at good rates
- • Download Bolt for taxi payments by card
Airport tips
- • Heydar Aliyev Airport has multiple bank ATMs
- • Currency exchange at airport has fair rates
- • Airport Express bus (H1) accepts cash only
- • Bolt and Uber work from airport
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Azerbaijan, per person.
Backpacker
Hostels, street food, public transport
AZN/day
≈ $37.06-76.47 USD
Mid-range
Hotels, restaurants, mix of transport
AZN/day
≈ $112-206 USD
Luxury
Premium hotels, fine dining, private transport
AZN/day
≈ $282-547 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Azerbaijan.
Credit card acceptance
Good in BakuBaku has excellent card acceptance with contactless payments widely available. Outside the capital, including in Sheki and Quba, cash becomes essential.
Regional differences
- • Baku: Excellent card acceptance everywhere
- • Sheki, Quba, Gabala: Mixed - hotels accept cards, local shops prefer cash
- • Rural villages: Cash only (Manat)
You'll need cash for
- • Local buses and marshrutkas
- • Bazaars and markets
- • Small local restaurants outside Baku
- • Shared taxis
- • Rural guesthouses
Cards usually accepted
- • Hotels throughout Baku
- • Restaurants and cafes in Baku
- • Shopping malls
- • Supermarkets (Bravo, Araz)
- • Petrol stations
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Kapital Bank | 0 AZN | 0% | Visa/MC rate | 0 USD | 100 | — |
| Pasha Bank | 0 AZN | 0% | Visa/MC rate | 0 USD | 35 | — |
| Bank Respublika | 0 AZN | 0% | Visa/MC rate | 0 USD | 45 | — |
| Unibank | 2 AZN | 0% | Visa/MC rate | ~1.20 USD | 50 | — |
| ABB (International Bank of Azerbaijan) | 3 AZN | 0% | Visa/MC rate | ~1.75 USD | 30 | — |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Kapital Bank | 0 AZN | 0% | Visa/MC rate | 0 USD | 100 | — |
| Unibank | 2 AZN | 0% | Visa/MC rate | ~1.20 USD | 50 | — |
| Bank Respublika | 0 AZN | 0% | Visa/MC rate | 0 USD | 45 | — |
| Pasha Bank | 0 AZN | 0% | Visa/MC rate | 0 USD | 35 | — |
| ABB (International Bank of Azerbaijan) | 3 AZN | 0% | Visa/MC rate | ~1.75 USD | 30 | — |