Xalq Bank JSC (Head office) (Baku)

Debit cards: For everyday payments and cash withdrawals. Supports Apple Pay and Google Pay.
XalqKart PETROL: Up to 40% cashback and fuel bonuses.
Visa Business Platinum: Perks for business clients — fast-track at airports, lounge access, insurance, and more.

Loans and Credit
Personal loans: Starting from 12% annually.
Business loans: Includes mortgage, car loans, education, agriculture, and more.
Commercial mortgage: For buying offices, warehouses, or retail space.

Deposits
Fixed-term deposits: With flexible durations.
Special offers: VIP accounts, savings for children, and more.

Online Services
XalqOnline (web + app): Make transfers (local & SWIFT), pay bills, view templates and statements, manage multi-currency accounts, chat with support — all 24/7 and free to connect.
Pay by Link: Send payment links via Telegram or WhatsApp — no website needed. Refunds available through the personal dashboard.

Business Solutions
Acquiring: Accept payments in-store and online.
Visa B2B Connect: Secure global transfers for companies.
Payroll services: Card issuing for employees.

Extras
Google Pay integration
Life insurance via Xalq Həyat

1. Gold
Xalq Bank offers unallocated gold accounts. Clients buy gold at the bank’s rate and store it virtually — no physical delivery, no VAT, no need for a safe. It’s a simple, reliable way to invest in gold.

2. Syndicated Loans
In 2022–2023, the bank took part in major international syndicated loans worth between $1.24 and $1.3 billion, in partnership with Turkey’s Ziraat Bank. These loans supported ESG initiatives and post-earthquake recovery.

3. Capital Market Services
In May 2025, Xalq Bank received a license from the Central Bank to offer investment services, including securities trading and other capital market operations. It’s the first commercial bank in Azerbaijan to get such a license.

4. Own Investment Holdings
As of June 2023, Xalq Bank owns 100% of Xalq Kapital Investment Company, 100% of Xalq Property MMC, and 98.45% of Baki Ayaqqabi-2 ASC.

Xalq Bank focuses on three main areas of social responsibility: the environment, culture, and community support. The bank plants trees, preserves national heritage, and supports people in need — and has been recognized for these efforts.

Environment
Tree-planting campaigns in Baku, most recently in Mushfigabad on November 28, 2024, in partnership with the Ministry of Ecology.
Earlier, the bank funded a forest in Turkey: 25,000 trees planted near Mersin, now known as the "Xalq Bank Brotherhood Forest" (16 hectares).

Culture & Heritage
Through the National Heritage project, the bank helps preserve and publish Azerbaijani cultural and literary works.

Recognition
In 2018, Xalq Bank received an ABA award for its social, cultural, and sports initiatives.
In 2024, it was honored at the Banking Awards for its continued work in education and social projects.

Community Support
The bank backs programs for women and children, and offers help to vulnerable groups. It has also been recognized for initiatives that support self-employment.

Q1 2025 Results
Xalq Bank’s total assets grew to AZN 3.044 billion, with the loan portfolio reaching AZN 1.887 billion. Customer deposits totaled AZN 1.819 billion, capital stood at AZN 519.1 million, and net profit was AZN 11.86 million.

Moody’s Rating (2024)
Moody’s upgraded the bank’s ratings:
Baseline Credit Assessment (BCA) raised to b1
Long-term deposit rating raised to Ba3
This reflects strong capital, a diverse funding base, and stable deposit levels.

https://www.xalqbank.az

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