# XalqBank > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-08. - **Brand record:** https://optimly.ai/brand/xalqbank - **Dataset:** https://optimly.ai/brand/xalqbank.json - **Markdown:** https://optimly.ai/brand/xalqbank/llms.txt - **Official website:** https://xalqbank.az - **Slug:** xalqbank - **Categories:** fintech-financial-services ## Overview - **Tagline:** Xalq Bank is a full-service bank founded in 2004, offering banking products and services through branches and online channels. Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Description:** OJSC Xalq Bank describes itself as one of the region’s dynamically growing financial institutions and a full-service bank. It offers financial products and services including loans, mortgages, deposits, cards, online banking, and currency exchange. Source: Brand's website (https://xalqbank.az) · 2026-11-08 ## Identity - **Mission:** To be a trusted partner and useful guide for customers in the world of finance, guided by integrity, transparency, trust, respect, speed, flexibility, high-quality service, and a tailored approach. Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Website:** https://xalqbank.az Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Voice & tone:** Trustworthy, customer-focused, professional, and service-oriented. Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Founded:** 2004 Source: Brand's website (https://xalqbank.az) · 2026-11-08 ## Offerings - **Problem solved:** Helps individuals and customers access banking, borrowing, saving, payment, money-management, and currency-exchange services through branches and digital channels. Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Core capabilities:** - Consumer and mortgage lending - Deposit and savings services - Payment cards and cashback programs - Online banking and mobile banking through XalqOnline - Online loan and card applications - Currency exchange and conversion - Branch-based banking services Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Products / SKUs:** - XalqKart and XalqKart PETROL cards - Consumer loans - Internal mortgage loans - Commercial mortgages - Digital deposits in XalqOnline - Deposit products - XalqOnline mobile application - Online loan ordering Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Pricing:** Pricing varies by product. The internal mortgage page lists terms of up to 22 years, a maximum amount of 250,000 AZN, annual interest from 11%, and a 30% down payment; it also states that the 11% rate is offered under campaign terms until 30 December 2026. Promotional offers include 5% cashback at Baku Electronics and 3% PETROL plus 2% cashback with XalqKart PETROL. Source: Brand's website (https://xalqbank.az) · 2026-11-08 ## Audience - **Target industry:** Banking and financial services Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Customer base:** Banking customers, including individuals seeking personal loans, mortgages, deposits, payment cards, digital banking, and related financial services. Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Ideal customer profile:** Individuals in Azerbaijan seeking retail banking products such as consumer or mortgage loans, deposits, payment cards, cashback, and convenient online banking services. Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Use cases:** - Apply for a consumer or mortgage loan online - Finance the purchase of a home through an internal mortgage - Place a deposit and participate in a deposit lottery - Make payments and earn cashback with XalqKart - Manage accounts, cards, and banking transactions through XalqOnline - Order a bank card with delivery - Check exchange rates and convert currencies Source: Brand's website (https://xalqbank.az) · 2026-11-08 - **Customer outcomes:** - Access banking services through branches and online channels - Obtain financing for consumer, residential, or commercial property needs - Manage accounts and card balances remotely - Earn cashback and PETROL rewards on eligible purchases - Save money through deposit products - Complete loan and card applications online Source: Brand's website (https://xalqbank.az) · 2026-11-08 Page last updated 2026-11-08. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.