Eleven mobile banking apps in Azerbaijan were studied independently across two layers. The first measures each app's rating, dissatisfaction share and downloads from open store signals. The second is a pain map where 27,639 public user comments were classified by AI into twelve complaint categories. The first layer shows how highly something is rated; the second shows where the real pain is. The aim is observation, not exposure.
| Monthly downloads (Android) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Leobank | Unibank | 140,920 | 2.9% | 50,000+ | 92.0% | 58,742 | 27 May 2026 | ||
| 2 | ABB Mobile | ABB | 265,548 | 5.9% | 50,000+ | 87.0% | 115,980 | 03 İyun 2026 | ||
| 3 | Express24 | ExpressBank | 7,515 | 5.1% | 5,000+ | 94.0% | 5,908 | 06 May 2026 | ||
| 4 | Birbank | Kapital Bank | 671,799 | 9.3% | 100,000+ | 91.0% | 192,247 | 05 İyun 2026 | ||
| 5 | m10 | PashaPay | 232,818 | 8.0% | 50,000+ | 89.0% | 109,481 | 01 İyun 2026 | ||
| 6 | Rabita Mobile | Rabitabank | 9,745 | 18.5% | 10,000+ | 94.0% | 3,656 | 24 May 2026 | ||
| 7 | UBank | Unibank | 29,956 | 18.5% | 20,000+ | 92.0% | 20,048 | 08 May 2026 | ||
| 8 | Yelo * | Yelo Bank | 486 | n/a | — | n/a | 132 | 02 İyun 2026 | ||
| 9 | atb360 * | Azər Türk Bank | 34 | 18.2% | 10,000+ | 97.0% | 183 | 19 May 2026 | ||
| 10 | Mobil Şöbə | Bank Respublika | 3,314 | 17.8% | 5,000+ | 94.0% | 414 | 08 İyun 2026 | ||
| 11 | Dostbank | Bank of Baku | 1,888 | 40.0% | 20,000+ | 98.0% | 305 | 13 May 2026 |
Click a column header to sort. Ratings and total rating counts for both platforms are pulled live from the stores on the day the index was captured.
Unibank's neobank Leobank tops the entire index at 4.8. The same parent's mass-market app, UBank, sits seventh at 4.0. The two ends of the ranking belong to the same group. Why the opportunity in the mass segment stays open is visible directly in this internal comparison.
Birbank dominates by scale. Over 671,000 ratings, 100,000+ monthly downloads and an 82% usage share in the Business Insight 2025 survey prove it. On rating, though, it sits fourth at 4.5. Leobank at 4.8, and both ABB Mobile and Express24 at 4.7, are ahead of it. Dominance comes from distribution and ecosystem, not experience quality.
The ranking spreads cleanly from 4.8 to 3.2. Three groups stand out. The leaders sit on top: Leobank 4.8, ABB Mobile and Express24 both 4.7, Birbank and m10 both 4.5. The middle holds Rabita Mobile 4.1, UBank 4.0, Yelo and atb360 both 3.9. At the bottom sit Bank Respublika 3.7 and Dostbank 3.2. Not everyone is in the same place.
The one-star share climbs from about 2.9% at Leobank to about 40% at Dostbank. In four apps this share is high. For Rabita Mobile, UBank, Bank Respublika and Dostbank each, that means thousands of openly dissatisfied users.
Roughly 87 to 98 percent of the indexed apps' installs are from Azerbaijan. For Dostbank this share is 98%. Even the lowest, ABB Mobile, stays at 87%. Every product is built for the local user. The weight of local advantage is confirmed by these numbers.
All eleven apps were updated in recent weeks. Some shipped a new version in the last few days — Bank Respublika on 8 June, Birbank on 5 June. So the problem is not release cadence, it is experience direction. The gap is not in how often they ship, but in what they ship.
Business Insight's “Mobile App World” survey was published in October 2025. The survey is second-hand material from a news source; the primary document should be confirmed separately. The two cuts below line up with this index.
Usage share and satisfaction are different measures. Birbank dominates usage. In satisfaction and store rating it sits third. This confirms the “leader is not the best experience” thesis from two independent sources.
A rating shows how high something stands, but not where the pain comes from. For this map, the 27,639 public comments across ten apps (12,074 Azerbaijani, 10,265 Russian, 5,300English) were classified by AI into twelve complaint categories. Click a cell to open the three most resonant comments for that bank and category. Colour shows density only; the severity figure is in the comment panel. Comments stay in their original language with a “See translation” link.
| Bank | Login & authentication | Failed transfers | Card operations | App freezes & crashes | Customer service | Identity & KYC | Currency & conversion | Fees & pricing | Design & usability | Push notifications | Security & fraud | Update & version regression |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Leobank | ||||||||||||
| Express24 | ||||||||||||
| Birbank | ||||||||||||
| ABB Mobile | ||||||||||||
| m10 | ||||||||||||
| Rabita Mobile | ||||||||||||
| UBank | ||||||||||||
| Yelo | ||||||||||||
| Mobil Şöbə | ||||||||||||
| Dostbank |
This index works on public signals only. An app's real gaps aren't measured without internal data, real user research and a consistent UX approach. Emotix builds this as an ongoing practice for mass-market app experience.