XalqOnline mobil tətbiqi

Online consultant

Send us your suggestions and comments

Call you?

Your order has been sent successfully.

Bank will contact you till 9:00 to 18:00 .

Filliallar və bankomatlar

Card services

Cash by Code

Regardless of Xalq Bank's operation mode this service allows you to transfer money through Mobile Banking or ATM to people who do not have a card. 

With Cash by Code service regardless of operating mode of Xalq Bank, at any time of the day, cardholders of the Bank may transfer money  instantly via Xalq Bank ATMs network or ATMs served by AzeriCard and also using  Mobile Banking.

Another advantage of this service is the ability to withdraw cash from ATM with special code and without any card.

To send money

Through ATM  - You must insert the card into ATM and choose Cash by Code service  in the opened menu. In the next window choose the option “SEND MONEY”. Enter twice mobile phone number of money recipient, choose the currency and enter the amount you would like to transfer.

The system generates a code consisting of two parts. The first part is printed as a receipt and remains with the sender (the code must be reported to the recipient), the second part is sent as SMS-notice to mobile phone of the receiving customer. To get cash, recipient must enter both parts of the code.

Through Mobile Banking service - choose Cash by Code option in the main menu. Enter the necessary information to the appropriate fields. Confirm transfer.  Information about transfer of money will be displayed (recipient of money must be notified).

The maximum amount of transfer is  500 AZN/USD

To receive money

Choose Cash by Code service in the ATM menu, enter the code received  from the sender and to mobile phone,  currency, amount and withdraw cash.


Send or receive money services are only possible with a special code. The code is active only 24 hours and cannot be restored.


  • Via ATM: 

If money were transferred and withdrawn in ATM of the same bank (money sender’s card is charged)

  • Via Mobile Banking: 

If money withdrawn in Xalq Bank’s ATM (money sender’s card is charged) 



1 %

  • Via ATM: 

If money were transferred and withdrawn in ATM of other bank (money sender’s card is charged)

  • Via Mobile Banking:  

If money withdrawn in ATM of other bank 

(money sender card is charged) 



1.5 %



To transfer money from your card to your relative or friend card who are abroad you can use Card to Card service  when the money is instantly credited to the card. Both cards must be issued by banks served through AzeriCard.

Show advice