Following the great interest in the “Goals Bring Rewards!” campaign held during the FIFA World Cup, ABB Bank is launching a new campaign. Called “ABB Play – Master League,” the campaign will start on 9 September 2026 and continue until 5 June 2027.
“ABB Play – Master League” combines football match results with everyday banking activities through a gamification mechanism for ABB mobile users.
ABB mobile users who join the campaign will have the opportunity to earn goals by selecting football match results and using products and services offered by ABB Bank, and receive exciting rewards. Selected banking activities, including loans, cards, mortgage products, DigiTravel, ABB Invest, Open Banking, DigiDeposit, payments and other services, will allow users to earn additional goals.
The campaign consists of four stages:
Stage 1: 09.09.2026 – 29.10.2026
Stage 2: 30.10.2026 – 28.12.2026
Stage 3: 29.12.2026 – 01.03.2027
Final: 02.03.2027 – 05.06.2027
Participants who correctly determine football match results will also earn additional goals. Users who correctly identify the exact score will receive 10,000 goals, while those who correctly determine the winner or a draw will receive 4,000 goals. In specially selected matches, as well as during the final stage, goals will be counted with a 2x multiplier.
The campaign is open to users of the ABB mobile application. To start earning goals, users must first join the campaign through ABB mobile. Goals earned through banking activities will be calculated depending on the product and transaction type — either once, renewed at each stage, or based on transaction volume.
Thousands of participants, great rewards
Rewards during the first three stages of the campaign include travel vouchers, iPhone 17 Pro Max, MacBook Air M5, iPad Air M4, Apple Watch 11, AirPods 4, and cashback prizes.
During the final stage, 10,000 participants will receive rewards. The grand prizes include an apartment at Sea Breeze, a car, a 10,000 AZN travel voucher, Apple devices and cashback rewards.
By combining the excitement of football with everyday banking experiences, “ABB Play – Master League” gives users the opportunity to collect goals throughout the campaign, climb the leaderboard and receive valuable prizes.
FREQUENTLY ASKED QUESTIONS (FAQ)
When does the campaign start and end?
The campaign starts on 09 September 2026 and ends after the UEFA Champions League final match concludes on 05 June 2027.
What stages does the campaign have?
The campaign consists of 4 consecutive stages and covers a total of 450 matches:
• Stage 1: 09.09.2026 – 29.10.2026 (100 matches, 20 of which are special)
• Stage 2: 30.10.2026 – 28.12.2026 (100 matches, 20 of which are special)
• Stage 3: 29.12.2026 – 01.03.2027 (100 matches, 20 of which are special)
• Final Stage: 02.03.2027 – 05.06.2027 (150 matches, all special)
How can I join the campaign?
Open the ABB mobile app, tap the "ABB Play – Master Liqa" banner in the "Kəşf et" section, review the rules, and tap "Qoşulun". After choosing your avatar you are officially enrolled in the campaign and can start earning goals from that moment.
Who can take part in the campaign?
Customers who are 18 years of age or older, have the ABB mobile app, have completed the onboarding process, and are citizens of the Republic of Azerbaijan may take part in the campaign.
Do I need to update the app to join the campaign?
Yes, to take part in the campaign you must update ABB mobile to the following versions:
• Android: 10.9.0 or higher
• iOS: 10.9.0 or higher
Are there any participation restrictions (who cannot win a prize)?
The following persons may submit match predictions, but are not counted in the individual or team ranking and cannot receive a reward under the campaign:
• Persons who are not citizens of the Republic of Azerbaijan;
• ABB employees;
• Persons deemed affiliated with the Bank under applicable legislation;
• Persons under the age of 18.
If, at any time during the сampaign period, the customer's status falls under any of the specified categories, the customer will lose the right to receive a reward under the сampaign.
How are goals calculated based on match results?
By submitting predictions for football matches, you earn goals according to the following scheme:
• Predicting the exact score → 10,000 goals (when both the winner/draw and the exact score are correct)
• Predicting only the winner/draw correctly with a different score → 4,000 goals (correct outcome, but the score differs)
• Incorrect prediction → 0 goals
Only the result of regular time is taken into account when calculating goals. Extra time (15+15) and penalty shoot-outs are not included in the result.
Example: you predicted 2-1 for Real Madrid – Bayern, the match ended 2-1 → 10,000 goals
Example: you predicted 2-1, the match ended 3-1 (correct winner, different score) → 4,000 goals
Example: you predicted 2-1, the match ended 0-2 → 0 goals
How do special matches (the 2x goal mode) work?
Goals earned during special matches are calculated at double the rate:
• During Stages 1, 2 and 3: for each stage the Bank selects 20 "Special" matches in advance, on which goals are doubled (exact score: 20,000 goals; correct winner: 8,000 goals);
• In the Final Stage: goals for all 150 matches are automatically doubled (2x)!
Special matches are marked with a special badge in the prediction window in the ABB mobile app.
Once a special match has been announced, it cannot be changed, except in cases where the match is postponed or cancelled.
Until when can I submit and change my prediction for a match?
The prediction window opens 108 hours before the official start of the match. You may change your selection as many times as you like until the official start of the match. Once the match has started, the last prediction saved in the system is treated as final.
After entering the score for each match, you must tap the confirmation button on your mobile keyboard ("Hazırdır" — iOS, "✔️" / "Edildi" — Android). Your prediction is only recorded in the system once this button has been tapped.
What happens if a match I predicted is postponed or cancelled?
For officially cancelled or postponed matches, all customers are credited with 0 goals.
What happens if the banner does not display due to a technical issue (internet outage, app problem, etc.)?
If the campaign banner is unavailable for any technical reason, the last prediction saved in the system is treated as final.
What are one-time additional goal-earning opportunities?
These are special bank products and transactions that earn goals only once during the entire campaign period.
What does the condition "after tapping the 'Qoşulun' button" mean?
Transactions carried out before you join the campaign will not earn goals. You must first join the campaign and only then carry out the transaction.
Incorrect: 1 September – obtained a loan → 15 September – joined the campaign → 0 goals
Correct: 15 September – joined the campaign → 16 September – obtained a loan → 20,000 goals
For all stages (including the Final Stage), bank products and transactions are accepted up until the end of the last day of that stage, while match results are accepted up until the official kickoff of each match.
1. How many goals does the Sea Breeze home mortgage earn?
Customers who take out a Sea Breeze home mortgage earn 100,000 goals once during the entire campaign.
Customer joined the campaign → finalized a Sea Breeze mortgage → 100,000 goals
No goals are earned for loans finalized before joining the campaign.
Customer earned 100,000 goals with a Sea Breeze mortgage → took out a second mortgage during the campaign → 0 goals
Goals are calculated only once during the campaign.
2. How many goals does a state/domestic mortgage earn?
Customers who take out a state or domestic mortgage loan earn 50,000 goals once during the entire campaign.
Note: the Sea Breeze home mortgage is excluded from this item.
Customer joined the campaign → finalized a domestic mortgage → 50,000 goals
No goals are earned for a mortgage finalized before joining the campaign.
Goals are calculated only once during the campaign.
3. How many goals does opening a TamKart credit limit earn?
When a new credit limit is opened on TamKart credit cards after joining the campaign, 20,000 goals are earned.
Example 1: the customer has no credit card → joins the campaign → opens a TamKart limit → 20,000 goals
Example 2: the customer has a limit of 1,000 AZN → increases the limit to 2,000 AZN during the campaign → 0 goals (increasing a limit does not earn goals)
Example 3: the customer closes their existing TamKart limit and reopens a TamKart limit → 0 goals (reopening the same product does not earn goals again)
Goals are credited not at the time of application, but at the time the limit is actually activated.
Note: if a new credit card product is created by the Bank during the campaign, customers who switch from their current card to the new product (opening a new limit) will be awarded 20,000 goals.
4. How many goals does a Fayda Max subscription earn?
Customers who activate a Fayda Max subscription for the first time after joining the campaign earn 5,000 goals.
Customer activated a Fayda Max subscription after joining → 5,000 goals
The customer already had an active Fayda Max subscription before joining the campaign → 0 goals
Goals are awarded only once during the campaign. The same number of goals is awarded regardless of the subscription tier.
What are per-stage additional goal-earning opportunities, and how many times can they be used?
These earn goals once per stage (Stage 1, 2, 3 and Final). As soon as a new stage begins, these opportunities are reactivated, and you can use them a total of 4 times over the course of the campaign.
5. How many goals does Master Card World Elite (ABB AZAL Miles or Qarabağ FK) earn?
Customers who order one of these cards earn 30,000 goals per stage (120,000 goals in total across 4 stages).
Ordered a Qarabağ FK Master Card World Elite in Stage 1 → 30,000 goals
Ordered an ABB AZAL Miles Master Card World Elite in Stage 2 → 30,000 goals
Ordered both cards in the same stage → only 30,000 goals (once per stage)
Goals are awarded only once per stage.
6. How many goals does a consumer loan earn?
Customers who take out a consumer loan earn 20,000 goals per stage (80,000 goals in total). Goals are credited not at the time of application, but at the time the funds are transferred to the account.
Customer took out a consumer loan in Stage 1 → funds transferred to the account → 20,000 goals
The same customer took out a consumer loan again in Stage 2 → 20,000 goals
The loan application is not approved or funds are not transferred → 0 goals
If the application was submitted in Stage 1 but the funds were transferred in Stage 2, the goals are attributed to Stage 2.
7. How many goals does "Buy now, pay later" (BNPL) earn?
Customers who make a purchase via BNPL at partner stores earn 20,000 goals per stage (80,000 goals in total). Goals are credited at the moment the sale is officially confirmed.
Made a BNPL purchase at a partner store in Stage 1 → 20,000 goals
The same customer made a BNPL purchase again in Stage 2 → 20,000 goals
The customer returned the item → 20,000 goals are reversed.
8. How many goals does ABB AZAL Miles Visa Infinite earn?
Customers who order a Visa Infinite card earn 15,000 goals per stage (60,000 goals in total).
Ordered an ABB AZAL Miles Visa Infinite in Stage 1 → 15,000 goals
The same customer ordered this card again in Stage 3 → 15,000 goals
Ordered 2 cards in the same stage → only 15,000 goals
9. How many goals does ABB İnvest (US stock purchase) earn?
Customers who buy stocks on the US market via ABB İnvest worth at least 100 USD in a single purchase earn 15,000 goals per stage (60,000 goals in total).
Customer bought 120 USD worth of Apple stock → 15,000 goals
Customer bought 50 USD worth of stock → 0 goals (the 100 USD minimum requirement is not met)
Customer made 2 separate purchases of 60 USD each → 0 goals (a single purchase must be at least 100 USD)
The customer purchased stock worth 99 USD, a 2 USD commission was charged on the transaction, and 101 USD was debited from the account in total → 0 goals (the commission is not counted; the value of the stock itself is below 100 USD)
The 100 USD minimum is verified against the value of the stock itself only. Commissions and other fees are not included in this amount.
10. How many goals does DigiTravel (flight ticket purchase) earn?
Customers who buy a flight ticket via the DigiTravel section in ABB mobile earn 15,000 goals per stage (60,000 goals in total).
Bought a Baku–Istanbul ticket via DigiTravel in Stage 1 → 15,000 goals
The same customer bought a ticket again in Stage 2 → 15,000 goals
The ticket was bought outside ABB mobile (on another website) → 0 goals
The customer returned the ticket (reverse) → 15,000 goals are reversed.
11. How many goals do other premium debit cards earn?
Customers who order a Travel Card, or a Premium/Platinum/Gold debit card during the stage earn 5,000 goals per stage (20,000 goals in total).
Ordered a Travel Card in Stage 1 → 5,000 goals
Ordered a Platinum debit card in Stage 2 → 5,000 goals
Ordered both a Travel Card and a Gold card in the same stage → only 5,000 goals
Note: ABB AZAL Miles Master Card World Elite and Qarabağ FK Master Card World Elite cards are excluded from this group.
12. How many goals does ordering a Mastercard Classic/Standard debit card earn?
Ordering a Mastercard Classic/Standard debit card earns 3,000 goals per stage (12,000 goals in total).
Ordered a Mastercard Standard debit card in Stage 1 → 3,000 goals
Customer ordered a Visa Classic debit card → 1,000 goals, not 3,000 (non-Mastercard category)
13. How many goals does Open Banking earn?
Customers who add an account from another bank in ABB mobile earn 3,000 goals per stage (12,000 goals in total).
Added an account from another bank in ABB mobile in Stage 1 → 3,000 goals
The same customer added an account from a different bank in Stage 2 → 3,000 goals
Added 2 accounts in the same stage → only 3,000 goals
14. How many goals does ordering a simple debit card (not Mastercard) earn?
Ordering another simple debit card without the Mastercard logo earns 1,000 goals per stage (4,000 goals in total).
Ordered a Visa Classic debit card in Stage 1 → 1,000 goals
Ordering a credit card is not included in this opportunity.
How do daily additional goal-earning opportunities work?
Goals for daily opportunities are recorded each day at day-end, based on the balance in your account or your deposit status.
All 3 opportunities are independent of one another. A customer who meets all three conditions on the same day can earn a total of 350 goals that day.
15. How are daily DigiDeposit goals calculated?
150 goals per day for DigiDeposit are awarded only if one of the following 3 conditions is met, for active days (Flat — does not scale with the amount):
• NEW DigiDeposit — opened ONLINE in ABB mobile after joining the campaign (not at a branch);
• PRE-EXISTING — the deposit automatically renews (rolls over) after joining the campaign;
• PRE-EXISTING — the deposit amount is increased after joining the campaign (e.g., it was 10,000 AZN, now it is 11,000 AZN).
Customer joined → opened a new DigiDeposit in ABB mobile → the deposit stayed active for 100 days → 15,000 goals
The customer had a 3-month deposit with auto-renewal selected → the renewal date fell after joining → goals began accruing from that day
The deposit was opened at a branch (not in ABB mobile) → 0 goals
For a customer with more than one active deposit, the daily goals are still credited only once (150 goals).
16. How are daily DigiHesab Max goals calculated?
Customers with an end-of-day balance of at least 500 AZN earn 150 goals per day (regardless of whether the balance is 500 AZN or 50,000 AZN — a fixed 150 goals/day).
End-of-day balance of 600 AZN → 150 goals
End-of-day balance of 50,000 AZN → still 150 goals (goals do not increase as the amount grows)
End-of-day balance of 400 AZN → 0 goals
For a customer with several DigiHesab Max accounts, the end-of-day balance condition is assessed based on the sum of balances across all of their accounts.
17. How are daily Dama-Dama goals calculated?
Customers who maintain an end-of-day balance of at least 100 AZN in Dama-Dama earn 50 goals per day (Flat — a fixed 50 goals/day).
End-of-day Dama-Dama balance of 150 AZN → 50 goals
End-of-day balance of 80 AZN → 0 goals
For a customer with several Dama-Dama accounts, the end-of-day balance condition is assessed based on the sum of balances across all of their accounts.
What are recurring additional goal-earning opportunities?
These are types of non-cash payments that can earn goals repeatedly during the campaign. Each opportunity has its own goal rate and a separate turnover limit for each stage.
18. How many goals do retail/installment transactions on the TamKart credit limit earn?
Both regular (retail) and installment purchases made using the TamKart credit limit are calculated at a rate of 1 AZN = 3 goals. The per-stage limit is 10,000 AZN (max. 30,000 goals per stage).
Example: a 100 AZN retail purchase using the TamKart credit limit → 300 goals
Example: bought a 500 AZN item on the TamKart credit limit in 6-month installments → 1,500 goals (installments are calculated at the same rate as retail)
10,000 AZN in turnover has already been reached for the stage (30,000 goals earned) → further transactions do not earn goals
There is no separate opportunity for installments — they are calculated at the same rate as retail, based directly on the amount.
19. How many goals do retail transactions on a Mastercard debit card earn?
Retail transactions made with a Mastercard debit card are calculated at a rate of 1 AZN = 2 goals. The per-stage limit is 20,000 AZN (max. 40,000 goals per stage).
Example: a 50 AZN payment at a store with a Mastercard debit card → 100 goals
A payment made with a debit card from a different payment system → does not fall under this opportunity
20. How many goals does a QR payment (ABB POS) earn?
QR payments made via the "QR ödəniş" section of ABB mobile at an ABB POS terminal in a store or food-service establishment are calculated at a rate of 1 AZN = 2 goals. The per-stage limit is 10,000 AZN (max. 20,000 goals per stage).
Example: a 40 AZN QR payment at an ABB POS terminal → 80 goals
A QR payment at another bank's POS terminal → does not earn goals (only ABB POS is valid)
21. How many goals does the ABB mobile auto-payment earn?
Payments set up in the selected auto-payment (recurring) mode in ABB Mobile are calculated at a rate of 1 AZN = 3 goals. The per-stage limit is 1,000 AZN (max. 3,000 goals per stage).
Selected payments include: mobile operator payments, utility payments (electricity, water, gas, etc.), internet subscription payments, television subscription payments, and landline telephone payments.
Example: a 50 AZN utility payment set up in auto-payment mode in the app → 150 goals
The same payment made without auto-payment → does not earn goals
Only payments made in auto-payment mode are counted — ordinary payments are not included.
22. How many goals do retail transactions on a debit card (not Mastercard) earn?
Retail transactions with debit cards that are not Mastercard are calculated at a rate of 1 AZN = 1 goal. The per-stage limit is 10,000 AZN (max. 10,000 goals per stage).
Example: an 80 AZN payment with a Visa debit card → 80 goals
A Mastercard debit card earns goals for the same transaction at a higher rate.
23. How many goals does BakuKart QR (scanning on public transport) earn?
Scanning a BakuKart QR created in ABB mobile on public transport is calculated at a rate of 1 scan = 100 goals. The per-stage limit is 60 scans (max. 6,000 goals per stage).
Example: 10 BakuKart QR scans on a bus → 1,000 goals
60 scans have already been made for the stage → additional scans do not earn goals
If I pay by QR with a credit or debit card, how are the goals calculated?
For QR payments, regardless of which card type is selected, the transaction is calculated under the "QR ödəniş (ABB POS)" opportunity and earns 2 goals for every 1 AZN.
Will all additional goal-earning opportunities be available from the start of the campaign?
Most additional goal-earning opportunities are active from the first day of the campaign. Some may be added over the course of the campaign — in such cases, a "Tezliklə" (Coming soon) badge is shown next to that opportunity in the app. Once an opportunity is activated, it becomes available to all users at the same time.
What does the per-stage limit mean?
For each opportunity, a maximum turnover amount is set for which you can earn goals in a given stage. Goals are calculated at the applicable rate until this limit is reached; once the limit is reached, further transactions under the same opportunity do not earn goals for the rest of that stage. When a new stage begins, the limits reset and you can earn goals up to the full limit again.
Example: in Stage 1 you generated 20,000 AZN in turnover on a Mastercard debit card → 40,000 goals (limit reached). Further payments in that stage do not earn goals. When Stage 2 begins, the 20,000 AZN limit opens again.
How are goals calculated for payments made in foreign currency?
Payments made in foreign currency (USD, EUR, etc.) are converted to AZN at the official exchange rate at the time of the transaction, and goals are calculated based on the AZN equivalent:
• Mastercard debit card, 10 USD: rate 1.70 AZN → 17 AZN × 2 = 34 goals
• TamKart credit limit, 20 EUR: rate 1.85 AZN → 37 AZN × 3 = 111 goals
Foreign-currency transactions are also included in the relevant category's per-stage limit.
Which transactions are excluded (do not earn goals)?
The following transactions are excluded from the campaign and do not earn goals:
• Payments made with business and corporate cards;
• Utility and tax payments made outside ABB mobile;
• Cash withdrawal, money transfer, and card-to-card (C2C, Card-to-Card, AFT) transactions;
• Gambling, betting, lottery, and balance top-up transactions;
• Transactions with a merchant name of "PULZ", "Loto", "Casino", or "Gambling";
• Payments made with cards issued by other banks;
• Cancelled/reversed/charged-back transactions;
• Transactions carried out to generate artificial turnover.
• Loan, credit card, consumer loan, and mortgage repayment transactions;
Which MCC codes are excluded?
• MCC 1100 — Asan Payments
• MCC 4814 — Fax services
• MCC 4816 — Computer network/information services
• MCC 4829 — Money transfer orders
• MCC 4900 — Utilities (electricity, water, gas, etc. not paid via ABB Mobile)
• MCC 6012 — Financial institutions – Trade and services
• MCC 6050 — Quasi cash – Member financial institution
• MCC 6051 — Non-financial institutions – Foreign currency, money orders, and travelers cheques
• MCC 6211 — Securities – Brokers and dealers
• MCC 6300 — Insurance sales, underwriting, and fees
• MCC 6513 — Real estate agencies – Rentals
• MCC 6534 — Money transfer – Member financial institution
• MCC 6538 — Moneysend transfer service
• MCC 6540 — Non-financial institutions – Stored-value card purchase/load
• MCC 7273 — Dating and escort services
• MCC 7800 — Government-owned lotteries
• MCC 7801 — Licensed online casinos
• MCC 7802 — Licensed horse/dog racing
• MCC 7995 — Betting, lottery, gambling tickets
• MCC 8398 — Charitable and social service organizations
• MCC 8651 — Political organizations
• MCC 8661 — Religious organizations
• MCC 9211 — Court costs, alimony, and child support
• MCC 9222 — Fines
• MCC 9223 — Bail and bond payments
• MCC 9311 — Tax payments
• MCC 9399 — Government services – Other
• MCC 9754 — Gambling – Horse/dog racing, government-owned lotteries
• "APUS PAYMENT" payments under MCC code 5999 are excluded from the campaign.
How is the ranking calculated and updated?
Customers are dynamically ranked in real time based on the number of goals they have earned. Goals are added to the balance within 48 hours of the transaction. For privacy purposes, other participants' names are masked (e.g., A*** B***).
Each stage's round ranking reflects only the goals earned during that stage and starts fresh from zero when a new stage begins. However, the goals earned in every round continue to be added to the Overall (Final) ranking and remain cumulative until the end of the campaign.
Where can I see the ranking table?
In the "Sıralama" section on the campaign page in the ABB mobile app.
What happens if customers have earned the same number of goals?
When goals are tied, an official 3-step mechanism is applied to determine the winners among the top 100 individual places:
• Priority is given to the customer with the highest number of exact-score predictions;
• If the tie persists, priority goes to the customer with the highest number of correctly predicted winners/draws with a different score;
• If the tie still persists, priority goes to the customer with the highest number of correct predictions on special (2x) matches.
Only if a tie still remains after these 3 criteria do the participants share that place, with the prize for that place awarded to each of them separately. Below the top 100, customers with an equal number of goals share the place directly.
Example: Customer A: 500,000 goals → 8th place → iPhone 17 Pro Max
Example: Customer B: 500,000 goals → 8th place → iPhone 17 Pro Max
Example: Customer C: 480,000 goals → 9th place → MacBook Air M5
If I win a stage prize, can I win it again in the next stage?
A customer who wins a stage (round) prize by finishing in the top 100 cannot win a stage prize again in other stages. However, all goals they have earned remain in the cumulative Final ranking, and they fully retain the right to compete for the major Final prizes.
Example: you finished 50th in Stage 1 and won an iPhone → in Stage 2 you again finish in a high position but do not receive a stage prize, though all your goals remain in the Final ranking and you compete for the Final prize.
What prizes are available?
Stage (round) prizes — 6,100 winners on each of Stages 1, 2 and 3 (18,300 winners in total):
• 1st place: 10,000 AZN travel voucher
• 2nd place: 5,000 AZN travel voucher
• 3rd place: 3,500 AZN travel voucher
• 4th–8th place: iPhone 17 Pro Max 256GB (5 units)
• 9th–14th place: MacBook Air 13 M5 (6 units)
• 15th–21st place: iPad Air 13" M4 (7 units)
• 22nd–29th place: Apple Watch Series 11 42MM (8 units)
• 30th–100th place: Apple AirPods 4 (71 units)
• 101st–600th place: 20 AZN cashback (500 people)
• 601st–6,100th place: 10 AZN cashback (5,500 people)
Final prizes (10,000 winners):
• 1st place: apartment from Sea Breeze (1 unit)
• 2nd place: car (1 unit)
• 3rd place: 10,000 AZN travel voucher (1 unit)
• 4th–15th place: iPhone 17 Pro Max 256GB (12 units)
• 16th–30th place: MacBook Air 13 M5 (15 units)
• 31st–55th place: iPad Air 13" M4 (25 units)
• 56th–100th place: Apple Watch Series 11 42MM (45 units)
• 101st–200th place: Apple AirPods 4 (100 units)
• 201st–400th place: 50 AZN cashback (200 people)
• 401st–1,000th place: 20 AZN cashback (600 people)
• 1,001st–5,000th place: 15 AZN cashback (4,000 people)
• 5,001st–10,000th place: 10 AZN cashback (5,000 people)
How and when will I receive my prize?
After a stage or the campaign ends, winners are determined and prizes are delivered in two independent phases:
• Finalizing the ranking: after the stage or the entire campaign ends, all checks are completed within a maximum of 21 business days, and the official winners are announced;
• Prize delivery process: delivery takes place within 14 business days after the final results are announced.
Delivery procedure by prize type:
• Cashback: credited to the customer's Faydalı keşbek balance when the prize is delivered to the winner;
• Physical prizes (apartment, car, Apple devices): winners are contacted and the prize is delivered officially;
• Travel vouchers: valid for 1 year from the date of issue.
How can I use my travel voucher?
Once the voucher has been issued, you can use it for travel at any time within 1 year. The terms of use will be stated on the voucher itself.
What is the 90-day prize forfeiture rule?
If a winning customer does not collect their prize from the Bank (or does not contact the Bank) within 90 (ninety) calendar days from the date the winners are officially announced, the right to the prize is forfeited and the corresponding prize is returned to the Bank's balance.
Will I have to pay tax on prizes?
Tax obligations on prizes are regulated in accordance with the legislation in force in the Republic of Azerbaijan.
What happens if a goal-earning transaction is cancelled (reversed)?
If a transaction that earned goals within the campaign is cancelled (reversed), the corresponding goals are immediately withdrawn and your ranking is updated. Transactions reversed within 14 business days after the campaign ends are also tracked and withdrawn.
Example: you made a BNPL purchase → earned 20,000 goals → returned the item → 20,000 goals are withdrawn
What happens if misuse or fraud is detected?
If attempts to artificially accumulate goals, misuse of the system, or fraudulent transactions are detected, the participant is disqualified, all their goals are cancelled, and their right to a prize is revoked.
If I am disqualified, can I still receive a prize?
No, in the case of disqualification all goals are cancelled and the right to a prize is fully revoked.
What happens if the campaign is terminated early?
The Bank reserves the right to amend the Campaign Rules or to terminate the campaign early as a result of legislative requirements, a decision by an authorized state body, technical or other objective circumstances, or on its own initiative. In such cases, customers are notified via the ABB mobile app and the Bank's official communication channels.
If the campaign is terminated early:
• Prizes for fully completed stages will be awarded in full;
• Prizes for the stage in progress will be awarded based on the ranking as of the termination date;
• If termination occurs after the Final Stage has begun, the delivery and scope of the Final prizes will be determined separately, taking into account the reason for termination and the ranking at that time;
How are disputes related to the campaign resolved?
Disputes arising in connection with the campaign are resolved on the basis of the Campaign Rules and Terms accepted by the customer, as well as the legislation in force in the Republic of Azerbaijan.