Azerbaijan
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
LeoBank
Unibank CB digital brand. CBA licence 73. ADIF. Not a startup charter.
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6.9Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Digital brand of Unibank CB OJSC — CBA licence 73 (Central Bank of Azerbaijan). Still read the entity on the statement.
If it fails?
Azerbaijan Deposit Insurance Fund on eligible deposits at Unibank CB — live cap has been cited at 100,000 AZN. Shared with other Unibank deposits. Confirm ADIF membership on the live legal pages.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free card pitch — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.9
/10 · Mixed
LeoBank is Unibank CB’s digital brand. Central Bank of Azerbaijan, licence 73. ADIF on eligible Unibank deposits — confirm the live 100,000 AZN figure. Fintech Farm owns the lion trademark and the stack. The deposit sits at Unibank. Directories scrape a neon cat and call it a 2020 charter. It is not. Keep salary at the named bank.
What it is
Baku. Unibank ATMs are the cash rail. Directories dump LeoBank next to a Ukrainian lion because the icon matches. Universal Bank is monobank. Unibank is this. Two countries. Two objects.
Best for: Azerbaijan residents who want Unibank in an app, not a second CBA charter.
Last checked 2026-08-30. Not advice.
What it does well
- +Named CBA bank behind the brand
- +ADIF follows Unibank
- +Scale
- +Fintech Farm stack is distribution, not the licence
What to watch
- −Azerbaijan-resident
- −Shared ADIF cap with Unibank
- −Credit SKU is not the deposit
- −Directories invent a startup bank
Who holds the money
The account
- Partner bank
- Unibank CB OJSC
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- LeoBank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Azerbaijan Deposit Insurance Fund on eligible deposits at Unibank CB — live cap has been cited at 100,000 AZN. Shared with other Unibank deposits. Confirm ADIF membership on the live legal pages.
Who holds the money: Unibank CB OJSC
- Central Bank of AzerbaijanDigital brand of Unibank CB OJSC — CBA licence 73 · Azerbaijan
Fees
- Monthly
- Free card pitch — confirm live
- FX markup
- Bank tariff
- ATM
- Unibank ATMs often free in-limit; other banks charged
- Interest
- Balance interest pitch — rates move
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- AZN digital current / card
- ADIF via Unibank
- Credit-limit SKU
- Cashback
- CBA licence 73
Score
- Safety25%
- 7.4
- Fees20%
- 8.0
- Features15%
- 7.4
- App15%
- 8.2
- Global15%
- 3.0
- Support10%
- 6.8
Change log
Full logLicence
Unibank CB digital brand, CBA licence 73
ADIF follows Unibank. Fintech Farm is the stack, not the charter.
Available in
Straight answers
FAQ
01Is LeoBank a bank?
LeoBank holds a banking-style licence (Central Bank of Azerbaijan). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Azerbaijan Deposit Insurance Fund on eligible deposits at Unibank CB — live cap has been cited at 100,000 AZN. Shared with other Unibank deposits. Confirm ADIF membership on the live legal pages.
03Where is LeoBank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with LeoBank.
04Card and wallets?
LeoBank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open LeoBank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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