XacBank offers 17 loan products including.
- Start Up Loan: A loan (up to $1,710) available to new businesses for start-up working capital and capital expenditure.
- Growth Loan: A loan ($1,711-6,835$) available to existing businesses for growth oriented expansion.
- SME Loan: A loan (over $6,836) available for business working capital and capital expenditure.
- Herder Group Loan: A loan ($425-$8,545) available for livestock breeding and consumption.
- Wholesale Loan: A loan (up to 80% of equity; minimum loan size $500) given to lenders for on-lending.
- Household Loan: A loan (up to $2,565) available for household consumption.
- Leasing: A loan (Individual $1,800; business $27,000) for financing leasing of equipment, appliances, etc.
- Agriculture Loan: A loan (up to $27,000) available for agricultural working capital.
- Salary Based Loan: A loan (up to 7 times net salary) available for consumption.
- Mortgage loan: A loan (up to $ 30,000) available for housing purchase.
In addition to loan products, XacBank offers 7 deposit/savings products, tailored to meet identified market segments. XacBank also provides domestic and international payment and transfer services. Loan and deposit services are available in Tugrug (MNT),, US dollar, RUB and CNY. In 2005, XacBank started to issue XacMaster Card payment cards and card holder numbers reached 15,000.