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Unibank CB digital brand. CBA licence 73. ADIF. Not a startup charter.
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Our take
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.
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.
LeoBank lists Digital brand of Unibank CB OJSC — CBA licence 73 under Central Bank of Azerbaijan in Azerbaijan. On safeguarding we currently write: 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.. Holder / issuer line: Unibank CB OJSC. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 1 live markets on the product. As we score the sticker: monthly Free card pitch — confirm live; FX Bank tariff; ATM Unibank ATMs often free in-limit; other banks charged; interest Balance interest pitch — rates move. This desk would open it for: Azerbaijan residents who want Unibank in an app, not a second CBA charter.
What it does well: Named CBA bank behind the brand; ADIF follows Unibank; Scale. What to watch: Azerbaijan-resident; Shared ADIF cap with Unibank; Credit SKU is not the deposit. Desk score 6.9 / 10 (safety 7.4, fees 8.0, features 7.4, app 8.2). Last verified 2026-08-30. Headquartered in Baku, Azerbaijan; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Azerbaijan residents who want Unibank in an app, not a second CBA charter.
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.
Holder / issuer: Unibank CB OJSC
Licence
ADIF follows Unibank. Fintech Farm is the stack, not the charter.
LeoBank holds a banking-style licence (Central Bank of Azerbaijan). Still read the legal entity on the statement, not the app icon.
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.
We list 1 market desk on the desk. Residency and onboarding rules still sit with LeoBank.
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No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.