AZMK vs PulPal Wallet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AZMK
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AZMK is a mobile app for customers of Azerbaijan Micro-Credit Non-Bank Credit Organization OJSC. Explore consumer, pawnshop, business and agricultural credit products, as well as car leasing, and apply for an available option directly in the app. With AZMK, you can: - view information about your active loans; - check monthly payments and repayment schedules; - review collateral information; - make loan payments online; - use the available online credit renewal option; - estimate payments with the credit calculator; - receive news and campaign updates through notifications; - find branches and contact support. The app is intended for existing customers of Azerbaijan Micro-Credit Non-Bank Credit Organization OJSC. Credit terms depend on individual assessment and the organization’s current policies. Please review all terms carefully before applying. For more information, visit any branch of Azerbaijan Micro-Credit Non-Bank Credit Organization OJSC or contact the call center at *6300.
PulPal Wallet
This app facilitates secure and fast online payments and money transfers. It offers a free virtual card for safe shopping and allows users to upgrade their wallet status for advanced features like transfers via wallet ID or QR codes. Users can top up their wallet using various bank cards and payment systems, and send money to other wallets or bank cards.
- Fast and secure payments
- Money transfers to friends and family
- Free virtual card for safe shopping
- Wallet status upgrade for advanced features
- Multiple top-up options
- QR code payments
- Bill and loan payments
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Description PulPal Wallet provides fast and secure access to payments and money transfers. The application allows you to make online payments and transfer funds to friends and relatives. Wherever you are, your data will be protected. And you can also get a virtual card for free, add it to your wallet. PULPAL virtual card, so as not to shine a salary Create a virtual card for safe shopping: —Instant in-app release and free maintenance More features in the wallet Upgrade your wallet status to "Main" online via Sima and get all the wallet features: —Transfers to other wallets —QR transfers — our unique link to replenish your wallet Transfers by wallet ID Each account has its own unique identifier, so the sender does not recognize your phone number when transferring. Now you can be calm and share it on social networks or messengers. Top up your PulPal Wallet: — bank card of any bank — through the terms MilliÖn, eManat, Kassam.az, ExpressPay Other ways to top up your wallet: — via Qiwi wallet — Any card of the Russian Federation Transfer money — to PulPal Wallet for friends, partners and loved ones, wherever they are, — to electronic wallets — to bank cards of Azerbaijan, Russia, Kazakhstan Stay in touch Top up your phone balance with Azercell, Bakcell, Azerfon, Beeline, Tele 2 and other mobile operators. Pay for home Internet services from various providers, including Alfanet, Aztelekom, Connect, Rahat Telekom and others. Create a regular payment for cellular, internet, or credit: specify the day, and we will remind you about the payment and conduct it. Pay for housing and public services Add monthly payments to your favorites, for example, for electricity, gas, water, utilities and fines. Pay for utilities, kindergartens, clubs, school meals and taxes using a QR code without entering details. Pay off loans, loans and debts Repayment of loans and credits in EmbaFinans, Ferrum Capital, Brand Credit s and other credit organizations. Buy games and pay for subscriptions Pay for game subscriptions, items and cases on Steam, Xbox, Minecraft, PlayStation and other games.
Screenshots
Verdict
The clearest difference is update cadence: PulPal Wallet at every 4 weeks against AZMK's every 2 months. AZMK's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AZMK ships an update every 2 months, PulPal Wallet every 4 weeks. The most recent releases landed on October 4, 2026 and October 24, 2026 respectively.
| Parameter | AZMK | PulPal Wallet |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 2 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.6 |
| Further details — not scored | ||
| Size | 54 MB | 56 MB |
| Age rating | 4+ | 17+ |
| Developer | Azerbaycan Mikro-Kredit BOKT MMC | PulPal LLC |
In-app purchases
AZMK
No in-app purchases
PulPal Wallet
No in-app purchases







