AZMK vs akart
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.
akart
Manage your finances and make payments with a digital debit card. Easily activate, top up, and use for contactless, online, and in-app purchases. Earn cashback and bonuses on your spending.
- Contactless, in-app, and online payments
- Send money by name or phone number
- Fast transfers to other bank cards
- Monthly cashback and gigabyte bonuses
- Easy activation with biometric verification
- Add to Apple/Google Wallet
- Top up with no commission
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akart is a free debet card. You can activate it wherever you are with just one tap. akart will help you to manage all your financial transactions in a seamless manner: You will make contactless, in-app, online payments just with one akart, You will send money to your friends by name or phone number, avoiding typing 16 digits wrongly, You will send money to other bank cards very fast, You will earn monthly cashback or gigabyte bonuses on payments, without choosing any payment category Get akart wherever you are Activate akart in just a few simple steps: Type your mobile phone number Enter required ID information Pass the biometric verification Choose and repeat the PIN code to enter the application. To save time, allow Face/Touch ID. And all set up! Now it’s time to add your akart to Apple/Google Wallet and start to make contactless payments. Top up your akart with no commission. Open doors to convenient payments, top up your akart first. You can top up your balance either at the app, or at the nearest “eManat” terminals. To manage the process faster, save the other bank card from which you top up your akart. Make convenient payments with akart. Top up either your or any friend’s mobile phone balance, Pay for utility bills. In addition, activate the automated regime to pay on time, Make payments for Internet, TV, Phone, Government, Insurance, Parking, ASAN Services, Education, etc. Transfer money fast with akart It’s possible to transfer money from akart either to another akart by name or phone number, or to other bank cards in a fast manner. To make the process faster, you can save the card for further transfers. Earn monthly bonuses on payments. akart offers monthly cashback and gigabyte bonuses on payments without choosing a category. It’s possible to earn a maximum of 100 AZN cashback or 10 GB of internet based on your choice. Please find cashback bonuses here: 2% at supermarkets, pharmacies, petrol stations, and auto parts stores; 1% on mobile balance top-ups, Azərsu, Azərişıq, Azəristiliktəhcizatt, taxi, restaurants, entertainment, parking, clothes, and other categories. akart also has a partner network. If you want to know where you can earn more cashback by paying with akart, go to the app. For further information, you can check the akart.az website. The customer care center is always here to solve your questions and concerns. * 3443 You can support us in the improvement of the app with your feedback.
Screenshots
Verdict
The clearest difference is update cadence: akart at every 2 weeks against AZMK's every 2 months. On price, ads, in-app purchases and device support 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, akart every 2 weeks. The most recent releases landed on October 4, 2026 and October 21, 2026 respectively.
| Parameter | AZMK | akart |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.5 (52 ratings) — better |
| Positive reviews | — | 28.6% of reviews |
| Number of ratings | — | 52 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 54 MB | 166 MB |
| Age rating | 4+ | 12+ |
| Developer | Azerbaycan Mikro-Kredit BOKT MMC | Azercell Telecom LLC |
In-app purchases
AZMK
No in-app purchases
akart
No in-app purchases









