A gamification campaign in ABB mobile dedicated to the World Cup. Customers collect goals by predicting match outcomes and performing various banking transactions. Based on the collected goals, they are ranked on a dynamic leaderboard, and at the end of the campaign, the top 6,100 customers with the highest scores will be awarded prizes.
Campaign Terms and Conditions:
- Campaign Duration: 11.06.2026 (11:00 AM) – 19.07.2026 (39 days)
- Participants: All customers who have the ABB mobile application and have completed the onboarding process.
- App Version Requirement: Android 10.4.0 or higher, iOS 10.4.1 or higher
Goal Scoring Mechanism (Active after clicking the "Join" button):
A) Match Predictions:
- Exact score: 50,000 goals
- Correct outcome only (win/draw) with a different score: 20,000 goals
- Incorrect prediction: 0 goals
- Knockout stages (Round of 16, Quarter-finals, Semi-finals, Final): Goals are doubled:
- Exact score 100,000 goals
- Outcome (win/draw) 40,000 goals
- Only the regular 90-minute match time is taken into account.
B) One-time Boosters (Available only once per customer during the campaign):
- Consumer Loan: 100,000 goals
- Buy Now, Pay Later (BNPL): 100,000 goals
- Opening a TamKart credit limit: 90,000 goals
- Premium debit card order: 50,000 goals
- Opening a DigiDeposit: 50,000 goals
- Booking a flight via DigiTravel: 20,000 goals
- First-time opening of DigiHesab Max: 20,000 goals
- Standard debit card order: 20,000 goals
- First-time linking of another bank account to Open Banking: 10,000 goals
- First-time creation of a "Dama-dama" savings goal: 10,000 goals
C) Recurring Boosters:
- Retail payments: 1 AZN = 1 goal (Limit: 100,000 AZN)
- QR payments (ABB POS): 1 AZN = 2 goals (Limit: 50,000 AZN)
- TamKart installment (taksit): 10,000 goals per installment transaction (Max. 5 times)
⚠️ Note: The opportunity to earn goals from boosters is valid until the official start time of the Final match.
Exclusion Terms (Retail Payments):
- Business cards
- Installment operations (separate booster)
- Top-up operations
- Transactions where the Merchant Name includes "PULZ%", "Loto%", "Casino%", "Gambling%"
- Excluded MCCs: 1100, 4814, 4816, 4829, 4900, 6012, 6050, 6051, 6211, 6300, 6513, 6534, 6538, 6540, 7273, 7800, 7801, 7802, 7995, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9754
- Excluded Merchant: Merchant_name = 'APUS PAYMENT' under MCC 5999
Ranking Policy: Customers with the same number of goals will share the same rank. The prize corresponding to that rank will be awarded to each tying customer individually.
Prizes (6,100 Winners):
- 1st place: 10,000 AZN Travel Voucher
- 2nd place: 7,500 AZN Travel Voucher
- 3rd place: 5,000 AZN Travel Voucher
- 4th–8th places: iPhone 17 Pro Max 256GB (5 pcs)
- 9th–15th places: MacBook Air 13 M4 (7 pcs)
- 16th–30th places: iPad Air 13-inch M4 (15 pcs)
- 31st–50th places: Apple Watch Series 11 42MM (20 pcs)
- 51st–100th places: Apple AirPods 4 (50 pcs)
- 101st–1,100th places: 10 AZN Cashback (1,000 winners)
- 1,101st–6,100th places: 5 AZN Cashback (5,000 winners)
FREQUENTLY ASKED QUESTIONS (FAQ)
📋 GENERAL QUESTIONS
When does the campaign start and end?
The campaign starts on June 11, 2026 and ends after the final match on July 19, 2026.
How can I join the campaign?
Open the ABB mobile app, tap the "Score Goals and Win" banner in the Explore section, read the rules and press the "Join" button. After selecting your avatar, you are registered and can start earning goals right away.
Who can participate?
All customers who have the ABB mobile app and complete registration via the "Score Goals and Win" banner.
Do I need to update the app?
To participate in the "Score Goals and Win" campaign, you need to update the ABB Mobile app to the following versions:
• Android: 10.4.0 or higher
• iOS: 10.4.1 or higher
You can update via Google Play Store (Android) or App Store (iOS).
Are there any participation restrictions?
Citizens of the Republic of Azerbaijan who are under 18 years of age, ABB employees, and persons identified as affiliated with ABB by the Central Bank are not eligible for prizes. However, they may still participate, but their points will not count in the Leaderboard or competition.
⚽ MATCH PREDICTIONS
How do match predictions work?
You predict the results of Football World Cup matches. A perfectly correct prediction earns 50,000 goals, while correctly predicting only the winner/draw with a different score earns 20,000 goals.
Can I change my prediction?
Predictions can be changed up until the official kick-off time of the match.
How many matches can I predict?
You can predict all matches of the Football World Cup. Predictions open 48 hours before each match and close at kick-off time.
How is the match result determined?
Only the result at the end of regular time (90 minutes) is used. Extra time (15+15) and penalty shootouts are not taken into account.
Perfect result — 50,000 goals
Predicting the exact scoreline at the end of 90 minutes. Both the outcome and exact score must be correct.
Correct winner/draw with different score — 20,000 goals
Correctly predicting the winner or draw, but with a different scoreline.
Completely wrong — 0 goals
Neither the winner nor the score is correct.
Are goals calculated differently in the knockout stage?
Yes! After the group stage (from the Round of 16, from the Round of 8, Quarter-finals, Semi-finals and Final), goals from match predictions are doubled:
• Perfect result → 100,000 goals (50,000 × 2)
• Correct winner/draw with different score → 40,000 goals (20,000 × 2)
📌 Standard goals (50,000 / 20,000) apply during the group stage. The 2x bonus is automatically applied from the knockout stage onwards.
What happens if a match I predicted is cancelled?
Cancelled matches count as 0 goals.
💎 ONE-TIME ADDITIONAL GOAL OPPORTUNITIES
What is a one-time additional goal opportunity?
Bank transactions and products that earn goals only once during the campaign.
What does "after pressing the Join button" mean?
Transactions made before joining the campaign will not earn goals. You must first join the campaign, then complete the transaction.
❌ Wrong: June 10 – Got a loan → June 11 – Joined → 0 goals
✅ Correct: June 11 – Joined → June 12 – Got a loan → 100,000 goals
What one-time additional goal opportunities are available?
• Consumer loan — 100,000 goals: Obtaining a cash consumer loan from ABB (via branch or ABB mobile).
• Buy Now Pay Later — 100,000 goals: Purchase a product now from a partner store and pay in installments later.
• TamKart credit limit activation — 90,000 goals: Ordering a new TamKart credit card or activating a limit from 0 AZN.
• Premium debit card — 50,000 goals: Ordering an ABB-AZAL Miles, Travel Card, Qarabag Premium, any Sea Breeze card, or Premium, Platinum, Gold TamKart, AMEX, VISA, MasterCard, UnionPay debit card.
• DigiDeposit — 50,000 goals: Creating a savings account directly via ABB mobile.
• DigiTravel air ticket — 20,000 goals: Purchasing an air ticket via the DigiTravel section in ABB mobile.
• DigiHesab Max (first time) — 20,000 goals: Opening a DigiHesab Max for the first time ever at ABB.
• Classic/Standard debit card — 20,000 goals: Ordering a classic or standard type TamKart, UnionPay, VISA or MasterCard debit card.
• Open Banking (first account added today) — 10,000 goals: Adding another bank account in Open Banking for customers who have no account at the time of joining.
• Dama-dama (first time) — 10,000 goals: Creating a Dama-dama savings goal for the first time ever at ABB.
How many times can I use each opportunity?
Each one-time opportunity can only earn goals once during the campaign.
💎 ADDITIONAL GOAL OPPORTUNITY DETAILS
1. Consumer Loan — how many goals?
Customers who obtain a cash consumer loan from ABB earn 100,000 goals.
✅ Joined → Got a 5,000 AZN loan at a branch → 100,000 goals
✅ Joined → Applied via ABB mobile and received the loan → 100,000 goals
❌ Got a loan on June 5 → Joined on June 11 → 0 goals
📌 Goals are awarded only once.
2. "Buy Now Pay Later" — how many goals?
A product that lets you buy from partner stores now and pay in installments later.
✅ Joined → Bought a phone worth 800 AZN via BNPL → 100,000 goals
❌ Joined → bought phone → 100,000 goals → returned phone → 100,000 goals reversed
❌ Made transaction before campaign → 0 goals
📌 If you return the product, goals will be reversed.
3. TamKart credit limit — how many goals?
Customers who order a new TamKart credit card or activate a limit from 0 AZN earn 90,000 goals.
✅ No TamKart → orders TamKart → 90,000 goals
✅ Has TamKart, limit 0 AZN → limit becomes 500 AZN → 90,000 goals
❌ Has TamKart, limit 1,000 AZN → limit becomes 2,000 AZN → 0 goals
4. Premium debit card — how many goals?
Customers ordering an ABB-AZAL Miles, Travel Card, Qarabag Premium, Sea Breeze, or Premium/Platinum/Gold debit card earn 50,000 goals.
✅ No card → orders ABB-AZAL Miles → 50,000 goals
✅ Has Platinum → orders Qarabag Premium → 50,000 goals
❌ Ordered AZAL Miles → 50,000 goals → also ordered Gold → 0 goals
📌 Only debit card orders earn goals. Credit card orders are not included.
5. DigiDeposit — how many goals?
A product for creating savings accounts directly in ABB mobile.
✅ Joined → opened DigiDeposit → 50,000 goals
✅ Had DigiDeposit before campaign → opened a new one during campaign → 50,000 goals
❌ Opened DigiDeposit → 50,000
6. DigiTravel air ticket — how many goals?
ABB's DigiTravel section allows purchasing air tickets directly from ABB mobile.
✅ Joined → bought Baku-Istanbul ticket via DigiTravel → 20,000 goals
❌ Bought ticket before joining → 0 goals
❌ Bought ticket → 20,000 goals → bought again → 0 goals
📌 Goals awarded only once.
7. DigiHesab Max (first time) — how many goals?
Customers opening a DigiHesab Max for the very first time at ABB earn 20,000 goals.
✅ Never had DigiHesab Max → opens one → 20,000 goals
❌ Had DigiHesab Max before campaign → opens a new one → 0 goals
📌 Customers who previously opened DigiHesab Max cannot earn goals from this opportunity.
8. Classic/Standard debit card — how many goals?
Customers ordering a classic or standard type TamKart, UnionPay, VISA or MasterCard debit card earn 20,000 goals.
✅ No card → orders Classic debit card → 20,000 goals
✅ Has Classic → orders standard debit card → 20,000 goals
❌ Ordered Classic → 20,000 goals → ordered standard → 0 goals
📌 Only debit card orders earn goals.
9. Open Banking — how many goals?
Customers with no other bank account in Open Banking at the time of joining, who add one during the campaign, earn 10,000 goals.
✅ No Open Banking account at time of joining → adds an account → 10,000 goals
❌ Already had an Open Banking account before joining → adds another → 0 goals
📌 The condition is 'no account at time of joining'.
10. Dama-dama (first time) — how many goals?
Customers creating a Dama-dama savings goal for the very first time at ABB earn 10,000 goals.
✅ Never had Dama-dama goal → creates first goal → 10,000 goals
❌ Had Dama-dama goal before campaign → creates new one → 0 goals
📌 Customers who previously created a Dama-dama goal cannot earn goals from this opportunity.
🔄 RECURRING ADDITIONAL GOAL OPPORTUNITIES
What is a recurring additional goal opportunity?
Transactions that can earn goals multiple times: cashless payments, QR payments, TamKart installments.
What types of transactions are cashless payments?
POS terminal payments, online shopping payments.
How do cashless payments earn goals?
Every 1 AZN = 1 goal (Minimum 0.01 AZN = 0.01 goals). For example, a 50 AZN payment earns 50 goals.
📌 Maximum transaction limit: 100,000 AZN = 100,000 goals
How do QR payments earn goals?
Every 1 AZN = 2 goals (Minimum 0.01 AZN = 0.02 goals). For example, a 50 AZN QR payment earns 100 goals.
📌 Maximum transaction limit: 50,000 AZN = 100,000 goals
How are goals calculated for foreign currency payments?
Payments in foreign currency are converted to AZN at the time of transaction (business cards excluded).
• 10 USD: Rate 1 USD = 1.70 AZN → 17 AZN = 17 goals
• 20 EUR: Rate 1 EUR = 1.85 AZN → 37 AZN = 37 goals
📌 Foreign currency transactions are included in the limit.
If I pay 0.50 AZN, how many goals do I earn?
• Cashless: 0.50 goals
• QR: 1.00 goal (0.50 × 2)
📌 Minimum amount is 0.01 AZN.
What is the campaign limit?
• Cashless: maximum 100,000 AZN = 100,000 goals
• QR: maximum 50,000 AZN = 100,000 goals
📌 Foreign currency transactions are converted to AZN and included in the limit.
Which transactions are excluded?
• Business card payments
• Installment transactions (separate opportunity exists)
• Utility payments (not paid via ABB mobile)
• Tax payments
• Gambling transactions
• Top-up transactions
• Transactions where the merchant name contains "PULZ", "Loto", "Casino" or "Gambling" are excluded from the campaign.
Transactions with the following MCC codes:
• MCC 1100 — Asan Payments
• MCC 4814 — Fax services
• MCC 4816 — Computer network/Information services
• MCC 4829 — Wire transfer money orders
• MCC 4900 — Utility services (electricity, water, gas, etc. — not paid via ABB mobile)
• MCC 6012 — Financial institutions – Merchandise and services
• MCC 6050 — Quasi cash – Member financial institution
• MCC 6051 — Non-financial institutions – Foreign currency, money orders and traveler's checks
• MCC 6211 — Securities – Brokers and dealers
• MCC 6300 — Insurance sales, underwriting and premiums
• MCC 6513 — Real estate agents – 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 lotteries
• MCC 7801 — Licensed online casino gambling
• 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, state lottery
• Payments under MCC 5999 with merchant name APUS PAYMENT are excluded from the campaign.
How does the installment opportunity work?
Each installment payment with a TamKart credit card earns 10,000 goals. Maximum 5 installments (50,000 goals) per campaign.
Until when can I use additional goal opportunities?
The goal-earning period for all opportunities ends at the official kick-off time of the Final match. Transactions made after the Final begins will no longer earn goals.
🏆 LEADERBOARD
How is the leaderboard calculated?
Customers are ranked by their total number of goals. More goals = Higher rank.
When is the leaderboard updated?
In real-time, goals are added to your balance within 48 hours and the leaderboard is updated.
Can I see other participants' names?
No. For privacy, other participants are masked as A*** B***. You can only see your own position.
Where can I see the leaderboard?
In the "Leaderboard" section on the campaign page in ABB mobile.
What happens if multiple customers have the same number of goals?
Customers with the same number of goals share the same position, and the prize for that position is awarded to each of them separately.
Example:
✅ Customer A: 500,000 goals → 8th place → iPhone 17 Pro Max
✅ Customer B: 500,000 goals → 8th place → iPhone 17 Pro Max
Customer C: 480,000 goals → 9th place → MacBook Air M4
🎁 PRIZES
What prizes are available?
• 1st place: 10,000 AZN Travel Voucher
• 2nd place: 7,500 AZN Travel Voucher
• 3rd place: 5,000 AZN Travel Voucher
• 4th–8th place: iPhone 17 Pro Max 256GB (5 units)
• 9th–15th place: MacBook Air 13 M4 (7 units)
• 16th–30th place: iPad Air 13-inch M4 (15 units)
• 31st–50th place: Apple Watch Series 11 42MM (20 units)
• 51st–100th place: Apple AirPods 4 (50 units)
• 101st–1,100th place: 10 AZN Cashback (1,000 customers)
• 1,101st–6,100th place: 5 AZN Cashback (5,000 customers)
When will prizes be awarded?
Customers will be notified of the final leaderboard at least 14 business days after the campaign ends.
How will I receive my prize?
• Physical prizes (iPhone, MacBook, iPad, etc.): You will be contacted and delivery arrangements will be explained.
• Cashback (5 AZN and 10 AZN): Will be automatically credited to your Faydalı balance.
• Travel vouchers: A voucher will be provided, valid for 1 year.
How can I use the travel voucher?
The voucher can be used for travel at any time within 1 year. Terms and conditions will be stated on the voucher.
🔄 CANCELLATIONS AND REVERSALS
What happens if I cancel or reverse a goal-earning transaction?
If a goal-earning transaction is cancelled during the campaign, the goals are reversed and your ranking is updated. Goals earned from transactions cancelled within 14 days after the campaign ends will also be reversed.
What is misuse or rule violation?
Attempts to artificially accumulate goals, system abuse, multiple fraudulent transactions, etc. If misuse is detected, you will be disqualified and all your goals will be deleted.
If I am disqualified, can I still receive a prize?
No. In case of disqualification, all goals are deleted and prize eligibility is cancelled.