Cash by Code

Cash-by-Code service allows you transfer funds at any time of the day to persons who does not possess a bank card. The recipient can withdraw the transferred funds from ATMs without a card.

Channels to transfer

  • via XalqOnline mobile application;

  • via Xalq Bank`s ATM or other ATM serviced by Azericard PC.

To send money

  • Select the Cash by Code service from menu.

  • Enter the mobile phone number of the recipient and the amount.

The system generates a code consisting of two parts. Via ATM - one part will be printed on the receipt and second one will be sent by SMS to the receiver’s mobile phone. Via XalqOnline application - you will get the code on your mobile phone screen, the second part will be sent by SMS to the receiver’s mobile phone. The code is active during 24 hours.

To receive money

  • Press the right top button on the ATM screen.

  • Enter the mixed code.

  • Enter currency and amount.

  • Withdraw your money.

 Tariff and limits

Via ATM:

  • If money were transferred and withdrawn in ATM of the same bank - 1%;

  • If money were transferred and withdrawn in ATM of other bank - 1.5%.

Via mobile application:

  • If money withdrawn in Xalq Bank’s ATM - 1%;

  • If money withdrawn in ATM of other bank - 1.5%;

  • The maximum amount of one-time transaction is 500 AZN/USD