LeoBank

Unibank CB digital brand. CBA licence 73. ADIF. Not a startup charter.

NeobankactiveAzerbaijan

Rate this app

6.9Mixed
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Our take

Desk verdict

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.

Pros

  • +Named CBA bank behind the brand
  • +ADIF follows Unibank
  • +Scale
  • +Fintech Farm stack is distribution, not the licence

Cons

  • Azerbaijan-resident
  • Shared ADIF cap with Unibank
  • Credit SKU is not the deposit
  • Directories invent a startup bank

Account facts

Partner bank
Unibank CB OJSC

How it actually works

Custody
Bank balance
Local rails
IBAN / SEPA
Built for
Personal
Settlement
Local rails instant where live; SWIFT slower
Review risk
Bank-grade; still not freeze-proof
Pay surface
mastercard · physical · virtual · Apple Pay · Google Pay

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.

Holder / issuer: 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 log
  1. Licence

    Unibank CB digital brand, CBA licence 73

    ADIF follows Unibank. Fintech Farm is the stack, not the charter.

Available in

FAQ

01

Is 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.

02

How 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.

03

Where is LeoBank available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with LeoBank.

04

Card and wallets?

mastercard · physical · virtual · Apple Pay · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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