Money transfers, payments, and bills - all in one app, with NO fees.


Latest Version

Nov 23, 2023
Google Play ID

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m10 APP

m10 is an e-wallet for electronic payments that allows you to transfer and receive money using mobile phone numbers and bankcards of any bank.

With m10, you can easily pay for mobile balance and other services, as well as use the app in shops, restaurants and other places. This is quite convenient, especially when all you have is your mobile phone and no cash or bankcard. Furthermore, there are no commissions with m10 for any transaction.

With m10, you can easily handle your finances, keep an eye on your spending and earnings, and get notifications for every transaction. This way, you'll always stay in the loop about your money and have better control over it.

Creating a new e-wallet takes only a minute and can be done using a mobile number. Just:
• Install the m10 mobile app
• Create an e-wallet using your mobile number

Money transfer with NO commission
• From/to m10 balance via QR code
• From/to any bankcard

Bills payment like via MilliÖN
• Top-up mobile balance — Azercell, Bakcell, Nar, Naxtel and other operators
• Utilities — gas card with NFC, AzəriQaz, Azərİşıq, AzərSu, Naxçıvan Qaz,Naxçıvan Elektrik,Naxçıvan Su, Meliorasiya, etc.
• Internet — AiləNet, Avirtel, AzerOnline, Aztelecom, BIRLink, etc.
• TV services — AiləTV, ATV Plus, Aztelecom, Baktelecom, KATV, etc.
• Land line services — AzEurotel, Aztelekom, Baktelekom, Ultel Telefon, TransEuroCom, etc.
• Fines — Dövlət Yol Polisi / DYP.

Get cashback from QR and Bills payment
• up to 6% cashback on purchases at more than 10,000 locations nationwide chain.
• 2% cashback from bills payment for utilities, cable TV, mobile balance, internet.

Pay via QR code at over 10 000 points around the country
• Café & restaurants — Vapiano, Mado, etc.
• Electronics — İrşad, Kontakt, Baku Electronics, etc.
• Fashion — ZARA, Swarovski, etc.
• Supermarkets — Bravo, Bolmart, Rahat, Grandmart, etc.
• Hospitals & Pharmacy — VITA, Focus, Aloe, Buta, etc.
• Gas stations — Socar, Tosoil, etc.
• Others — PARK CINEMA, LIBRAFF, etc.

Top-up your e-wallet with NO commission
• By cash via MilliÖN terminals
• Any bankcard, including BirBank, Leobank, ABB Bank, Kapital Bank, Unibank, Pasha Bank, Rabitabank, Ubank, Bank Respublika, Dost Bank, Xalq Bank, Expressbank, ATB, etc.

Withdraw cash with NO commission
• At Kapital bank ATMs.

If you are looking for a convenient and reliable e-wallet for electronic payments, m10 is what you need. Join millions of m10 users and start making your life easier

News and offers from m10
• We’ve enhanced our referral program, “Invite a Friend,” where you can now earn up to 4₼ for every friend you invite. Your friends just need to make two payments starting from 5₼ each using a QR code. Start inviting your friends today and start earning with us!

• Lemons are coming back! Users who have collected 250,000, 500,000 and 1,000,000 lemons will be given a choice of cards with a cash prize. Become one of them and win cool prizes!

Should you need support, we are always online.

WhatsApp: +99871 2310880

We are always striving to improve our system and application, and therefore we are working on them continuously. If you have any problems or you have come up with something interesting, write to us at

We will be glad to receive feedback from you and find out how we can make our product even better.

Address: AZ1010, Baku 153 Neftchilar Avenue, Nasimi District
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