BANKING
Compare banking products.
Accounts, cards and more from Iraqi banks — compared in one place.
Information only, no advice.
Prices and details are taken from the providers' own pages, but we haven't yet confirmed every detail a comparison needs. Check with the provider before you buy.
Banking products
104 products from 17 banks·All Iraq
Prices and details are taken from the providers' own pages, but we haven't yet confirmed every detail a comparison needs. Check with the provider before you buy.
104 products ·
—Not stated
Opening fee
—Not stated
Minimum balance
Free
Maintenance fee
What's included
IQD
Currency
18+
Who can apply
- Profit / interest
- None; prize draws instead (2026: daily 600,000 IQD x10, weekly gold bars, monthly 60M IQD, a car every two months, 600M IQD twice a year)
- Account fee
- Exempt from the annual banking service fee
Features
—Not stated
Opening fee
250,000 IQD / USD 167 / EUR 167250,000 IQD
or USD 167 · EUR 167Minimum balance
2,000 IQD/mo
Maintenance fee
What's included
None
Profit / interest
IQD, USD, EUR
Currency
Citizens and residents of Iraq
Who can apply
- Opening fee
- Product page: 45,000 IQD. 2026 fee list: no commission
- Fee below minimum
- 'Additional charges' (amount not published)
- Account fee
- 2,000 IQD / USD 1.5 / EUR 1.5 a month per account
- App & online
- RTB Mobile app (iOS/Android), internet banking, SMS banking
- Other fees
- Dormant 20,000 IQD / USD 15 every 6 months; reactivation 20,000; statement 1,500 IQD a page (online free); closure free
- Other terms
- Mastercard or UnionPay card; may be suspended after 6 months' inactivity
Free
Opening fee
250,000 IQD / USD 167 / EUR 167250,000 IQD
or USD 167 · EUR 167Minimum balance
2,000 IQD/mo
Maintenance fee
What's included
IQD, USD, EUR
Currency
- Profit / interest
- 'Competitive'; paid monthly or quarterly; none for periods below the minimum
- Account fee
- 2,000 IQD / USD 1.5 a month per account (fee list)
- Perks
- Free RTB ATM withdrawals; Mastercard
7,000 IQD
Opening fee
—Not stated
Minimum balance
7,000 IQD annual management fee
Maintenance fee
What's included
7,000 IQD annual management fee
Maintenance fee
Visa / Mastercard (not stated)
Network
Account currency
Currency
FIB app
How to apply
- Use abroad
- International card use suspended: FIB says the settlement mechanism for international card transactions is suspended; local, POS and QR use still work
- Currency exchange fee
- International purchases 1,320 IQD + 6.7% FX
- Other terms
- Created instantly in the app for online payments, with its own transaction history
—Not stated
Opening fee
—Not stated
Minimum balance
15,000 IQD/yr
Maintenance fee
What's included
Account currency
Currency
Not published
Contactless
Not published
Mobile wallets
Not published
Spending limits
Order in the FIB app
How to apply
- Issue fee
- 15,000 IQD (listed next to Platinum; label unclear)
- Annual fee
- 15,000 IQD annual management fee (Platinum)
- Network
- Visa / Mastercard (not stated per card)
- Use abroad
- International card use suspended: FIB says the settlement mechanism for international card transactions is suspended; local, POS and QR use still work
- Currency exchange fee
- International purchases 1,320 IQD + 6.7% FX
- ATM fees
- FIB ATM same currency free; other banks on National Switch '0.004%' as printed; outside switch 1%; different currency 1%; abroad 1,310 IQD + 6.7% FX + 1%
- Other fees
- Replacement 15,000; freeze, PIN change, VBV activation and SMS free
15,000 IQD / USD 1015,000 IQD
or USD 10Opening fee
—Not stated
Minimum balance
25,000 IQD/yr
Maintenance fee
What's included
IQD or USD
Currency
- Profit / interest
- Rate varies with balance; not published
- Account fee
- Annual banking service fee 25,000 IQD / USD 20
15,000 IQD / USD 1015,000 IQD
or USD 10Opening fee
500,000 IQD / USD 500500,000 IQD
or USD 500Minimum balance
25,000 IQD/yr
Maintenance fee
What's included
None
Profit / interest
IQD or USD
Currency
- Fee below minimum
- 5,000 IQD / USD 5 (not on salary accounts)
- Account fee
- Annual banking service fee 25,000 IQD / USD 20 (waived on public-sector salary and Zanageen accounts)
- Perks
- Free NBI ATMs nationwide; Visa Electron debit card
- Transfers
- Internal 0.05% (min 25,000 IQD / USD 25); RTGS out 0.3% (min 25,000 IQD / USD 25); SWIFT out 0.1-5% + USD 50; SWIFT in USD 15 (under USD 25,000) or USD 50
- App & online
- NBI app: transfers, digital account opening, Asiacell top-up, Kurdistan electricity, link to ZainCash
- Other fees
- Closure 10,000 IQD / USD 5; dormant 10,000 IQD / USD 10 a month; statement 10,000 IQD a page; cheque book 15,000-40,000 IQD
—Not stated
Opening fee
—Not stated
Minimum balance
30,000 IQD
Maintenance fee
What's included
30,000 IQD
Maintenance fee
500,000-6,000,000 IQD
Credit limit
Visa
Network
IQD
Currency
3 years
Card validity
- Perks
- Free SMS alerts; Visa Global Customer Assistance
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
50,000 IQD/yr
Maintenance fee
What's included
2% a month
Credit interest
Visa
Network
- Issue fee
- 50,000 IQD, renewed yearly; supplementary 35,000
- Currency exchange fee
- 2% card markup + overseas fee listed as '3' (unit missing, likely 3%)
- ATM fees
- Other banks' / off-switch ATMs 0.4% (min 1,000 IQD); balance check at other ATMs 1,500 IQD; abroad 6,600 IQD / USD 5 per withdrawal; POS cash-back 0.6% (min 2,000)
- Other fees
- Cash withdrawal 4% (min 8,000 IQD; max 250,000 per withdrawal); late 1% (min 15,000); over-limit 2% (min 15,000); insurance 2,000 IQD a month if balance over 100,000
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
198,000 IQD/yr
Maintenance fee
What's included
Visa (Signature tier implied)
Network
Account currency
Currency
- Issue fee
- 198,000 IQD (listed next to Signature; label unclear)
- Annual fee
- 198,000 IQD annual management fee (Signature)
- Use abroad
- International card use suspended: FIB says the settlement mechanism for international card transactions is suspended; local, POS and QR use still work
- Perks
- Travel insurance, higher spending limits, extra security features
—Not stated
Opening fee
—Not stated
Minimum balance
200,000 IQD/yr
Maintenance fee
What's included
2% a month
Credit interest
Visa
Network
As Visa Platinum Credit
Other fees
- Issue fee
- 200,000 IQD (primary or supplementary), renewed yearly
- Currency exchange fee
- 2% card markup + overseas fee listed as '3' (unit missing, likely 3%)
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
300,000 IQD
Maintenance fee
What's included
300,000 IQD
Maintenance fee
15,000,000-30,000,000 IQD
Credit limit
Visa
Network
IQD
Currency
3 years
Card validity
- Perks
- 1,000+ airport lounges with a guest, travel insurance, fraud and purchase protection
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
525,000 IQD
Maintenance fee
What's included
525,000 IQD
Maintenance fee
30,000,000-250,000,000 IQD
Credit limit
Visa (implied; not stated)
Network
IQD
Currency
3 years
Card validity
- Perks
- 1,000+ airport lounges with a guest, travel insurance, fraud and purchase protection
Checked 27 Oct
Source:company pagePage shows 750,000 IQD
Opening fee
—Not stated
Minimum balance
Page shows 650,000 IQD
Maintenance fee
What's included
Page shows 650,000 IQD
Maintenance fee
Mastercard
Network
2.75%
Currency exchange fee
4%
ATM fees
- Credit limit
- Page shows USD 10,000-150,000 (same as World)
Checked 27 Oct
Source:company page750,000 IQD; supplementary 650,000
Opening fee
—Not stated
Minimum balance
650,000 IQD
Maintenance fee
What's included
650,000 IQD
Maintenance fee
USD 10,000-150,000
Credit limit
Mastercard
Network
3 years
Card validity
Cash withdrawal 4%
ATM fees
18+
Who can apply
- Repayment
- Billing on the 21st; instalment plans 'starting from 10%'
- Currency exchange fee
- 2.75% (cards overview also claims 'no foreign transaction fees')
- Perks
- Complimentary VIP lounge access at most airports; hotel and restaurant offers
- Other fees
- Late payment 30,000 IQD; PIN regeneration 7,500
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Visa
Network
5 years
Card validity
Yes
Use abroad
IDB account holders
Who can apply
- Perks
- Selected airport lounges, purchase protection, extended warranty, Baghdad Airport VIP lounge
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
USD 1,500-3,000
Credit limit
Mastercard
Network
USD
Currency
- Credit interest
- Interest 'competitive' (rate not published); minimum payment 5% of balance (min USD 25); up to 45 days grace
- Who can apply
- Iraqi public-sector employees or private-sector employees of any nationality, aged 25-60; or against cash collateral. Limit up to 3x monthly salary for salary-transfer customers
- Documents
- Iraqis: unified national ID (or national ID + citizenship certificate), work pass. Non-Iraqis: passport + resident/work visa. Salary customers: employer salary statement and signed deduction authorisation; guarantor collection certificate
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
USD 5,000-10,000
Credit limit
Visa
Network
- Issue fee
- USD 70; supplementary USD 30; reissue USD 10
- Credit interest
- 2% a month interest; cash withdrawal 5%; late payment 5% of amount due (min USD 25); over-limit USD 10 a month; up to 45 days interest-free on POS and online
- Perks
- 6 airport lounge visits a year for the holder (LoungeKey app)
70,000 IQD (issue or renewal)
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Set by the bank after review
Credit limit
Not published
Credit interest
Not published
Repayment
Visa
Network
IQD
Currency
2 years
Card validity
Yes
Contactless
Not published
Mobile wallets
Yes
Use abroad
Not published
Currency exchange fee
TBI branch
How to apply
- Annual fee
- None listed separately; optional SMS alerts 50,000 IQD for two years
- ATM fees
- Iraq: '0.004' (unit not stated). Abroad: 5% per withdrawal, minimum 5,000 IQD
- ATM limits
- Iraq: 2,000,000 IQD a day / 60,000,000 a month. Abroad: USD 100 a day / USD 500 a month
- Spending limits
- Iraq: up to the credit limit. Abroad: USD 4,500; up to USD 20,000 travel and USD 50,000 medical including the basic limit
- Perks
- Priority Pass card for airport lounges
- Who can apply
- Distinguished TBI clients or people introduced by one; security deposit of 110% of the approved limit, released 30 days after closing the card
Checked 27 Oct
Source:company page5,000 IQD (issue or renewal)
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
USD
Currency
3 years
Card validity
Yes
Contactless
Not published
Mobile wallets
Yes, online and in shops abroad
Use abroad
Not published
Currency exchange fee
- Annual fee
- None listed; optional SMS alerts 25,000 IQD a year
- ATM fees
- Free cash deposit/withdrawal at TBI branches; other banks' ATMs in Iraq charged '0.004' (unit not stated)
- ATM limits
- Iraq: USD 500 a day / USD 3,000 a month. Abroad: USD 100 a day / USD 500 a month
- Spending limits
- Iraq: USD 5,000 a day / USD 20,000 a month. Abroad: USD 4,500 a month; up to USD 20,000 travel and USD 50,000 medical including the basic limit
- How to apply
- TBI branch (linked to a TBI USD account)
Checked 27 Oct
Source:company page10,000 IQD / USD 810,000 IQD
or USD 8Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
- Other fees
- Loading from account 0.3% (min 3,000 IQD / USD 2); refund 2% of balance (min 1,000 IQD)
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Visa
Network
Yes; ATMs, POS and online
Use abroad
Any GCB branch, application form
How to apply
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Rate not published
Maintenance fee
What's included
Not published
Profit / interest
- Credit limit
- Up to 60,000,000 IQD over up to 7 years
- Who can apply
- Permanent ministry staff with salary at IDB, 1+ year service (or guarantor), aged under 60 at end of term, repayments max 50% of net salary
- Documents
- National card, passport, residence card, employer salary letter
Checked 27 Oct
Source:company page—Not stated
Opening fee
None
Minimum balance
Fees not published
Maintenance fee
What's included
IQD or USD
Currency
- Other terms
- 'Salaf' advance up to one month's salary
Checked 27 Oct
Source:company pageFree
Opening fee
—Not stated
Minimum balance
Visa Electron monthly fee free
Maintenance fee
What's included
Visa Electron monthly fee free
Maintenance fee
- Perks
- Free NBI ATM withdrawals, SMS and app; card issued same day salary arrives
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
'Competitive'; rate not published
Profit / interest
IQD or USD
Currency
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD
Currency
- Profit / interest
- Monthly draw (iPhone or gold coin) per 500,000 IQD held 30+ days; car draw every 4 months per 10M IQD held 180+ days
- Minimum deposit
- 500,000 IQD for monthly draw; 10,000,000 IQD for car draw
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD or USD
Currency
- Profit / interest
- Preferential fixed rates; paid monthly, yearly or at maturity; terms 1 month to 3+ years
Checked 27 Oct
Source:company page—Not stated
Opening fee
USD 20,000
Minimum balance
Fees not published
Maintenance fee
What's included
IQD or USD
Currency
- Profit / interest
- USD 1.25%-4.75%; IQD 0.50%-5.25% (by amount and term: 1, 3, 6, 12 months)
- Other terms
- Insured by the Iraqi Company for Deposit Insurance
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Visa
Network
Yes
Use abroad
- Other terms
- Spending limits, card lock, online/international toggles in app; merchant discounts
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
USD 500-1,500
Credit limit
Mastercard
Network
USD
Currency
- Credit interest
- Interest 'competitive' (rate not published); minimum payment 5% of balance (min USD 25); up to 45 days grace
- Who can apply
- Iraqi public-sector employees or private-sector employees of any nationality, aged 25-60; or against cash collateral. Limit up to 3x monthly salary for salary-transfer customers
- Documents
- Iraqis: unified national ID (or national ID + citizenship certificate), work pass. Non-Iraqis: passport + resident/work visa. Salary customers: employer salary statement and signed deduction authorisation; guarantor collection certificate
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
None listed
Maintenance fee
What's included
None listed
Maintenance fee
Visa
Network
Linked account currency
Currency
Up to 5 years
Card validity
Yes
Contactless
Not published
Mobile wallets
Yes
Use abroad
- Issue fee
- Up to 15,000 IQD (salary ATM Classic, set by employer agreement); supplementary 10,000 IQD; reissue 15,000
- Currency exchange fee
- 2% card markup + overseas fee listed as '3' (unit missing, likely 3%)
- ATM fees
- Other banks' / off-switch ATMs 0.4% (min 1,000 IQD); balance check at other ATMs 1,500 IQD; abroad 6,600 IQD / USD 5 per withdrawal; POS cash-back 0.6% (min 2,000)
- Spending limits
- Customer-set daily limits; amounts not published
- Perks
- Dining/shopping discounts, instant discounts at selected shops; family supplementary cards
- How to apply
- Branch or customer.care@bankofbaghdad.com.iq
—Not stated
Opening fee
Not published
Minimum balance
Fees not published
Maintenance fee
What's included
Not published
Profit / interest
Not published
Currency
At a TBI branch
How to apply
- Who can apply
- Iraqi citizens and residents over 18; individual, joint or minor accounts; not available to government bodies or companies
- Documents
- Same as current account: national ID, residency card, passport if any, civil status ID, two photos (non-Iraqis: passport, residency card and permit, proof of address)
Checked 27 Oct
Source:company pageFree
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
IQD
Currency
- Credit limit
- Up to 6x salary, max 10,000,000 IQD
- Credit interest
- 2% a month on unpaid balance; 0% if paid in full before the 29th (salary cards); cash advance 3% (salary cards)
- Perks
- Baghdad Lounge and Iraq Lounge; merchant discounts
- Who can apply
- Public-sector employees (salary at IDB)
Checked 27 Oct
Source:company pageFree
Opening fee
None (no below-minimum fee)
Minimum balance
See fees
Maintenance fee
What's included
None
Profit / interest
IQD, USD, EUR
Currency
- Minimum deposit
- None (tariff says no deposit required)
- Account fee
- 5,000 IQD / USD 5 every six months for non-payroll individuals
- Perks
- Free withdrawals on IDB's ATM network; debit card insurance; SMS
- Transfers
- Same-branch and same-governorate free; RTGS out 0.3% (min 10,000, max 100,000 IQD); ACH out 0.2%; SWIFT out 0.3% + 10 IQD spread per USD + USD 25 SWIFT fee; incoming 0.3% (min USD 5); Western Union (provider fee)
- App & online
- IDB Online Banking app (iOS/Android) and web portal
- Other fees
- Dormant monitoring 10,000 IQD / USD 10 a month; reactivation 25,000; small-note handling charged twice a year (payroll exempt); cheque book 15,000 IQD (25)
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
12,000,000-15,000,000 IQD
Credit limit
Mastercard
Network
IQD
Currency
3 years
Card validity
- Perks
- Hotel and restaurant offers, Baghdad Airport VIP lounge
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Rate not published
Maintenance fee
- Credit limit
- Up to 5M (furniture, Al-Husni), 5-25M (furniture, Al-Alamiya), 15M (contract employees), 30M (government employees), 15M without guarantor against salary; 200,000 IQD emergency via app
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD or USD
Currency
- Profit / interest
- Profit up to 9.5% (IQD) and 4.75% (USD), paid every 3 months; terms 6 months to 3 years
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
- Profit / interest
- Cash prize draws; amounts not published
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
From USD 10,000
Credit limit
Visa
Network
- Issue fee
- USD 100; supplementary USD 80; reissue USD 10
- Credit interest
- 2% a month interest; cash withdrawal 5%; late payment 5% of amount due (min USD 25); over-limit USD 10 a month; up to 45 days interest-free on POS and online
- Perks
- Unlimited lounge visits for holder + 1 guest (LoungeKey); Visa Infinite benefits
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Several currencies
Currency
18+
Who can apply
- Profit / interest
- 3, 6 or 12 months; rates 'refer to bank tariff'
- Other terms
- Changes or closure need 48 hours' notice before maturity
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
None stated
Profit / interest
IQD or USD
Currency
- Minimum balance
- None ('no minimum balance required')
- Transfers
- Local transfers via CBI in IQD or USD (fees not published). SWIFT: page says foreign transfers executed at 1,510-1,520 IQD per USD
—Not stated
Opening fee
—Not stated
Minimum balance
Rate not published
Maintenance fee
- Who can apply
- Employees paid their salary by TBI through its electronic card
Checked 27 Oct
Source:company pageFree, free home delivery
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Yes
Use abroad
- Currency exchange fee
- 'Guaranteed exchange rate' (rate not stated)
- How to apply
- Qi Services app, a Rafidain branch, or Qi
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Mastercard
Network
Same as linked account
Currency
Yes
Use abroad
- Perks
- Free SMS; supplementary family cards
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
None
Profit / interest
IQD or USD
Currency
Cheque book on request
Other terms
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
USD 3,000-10,000
Credit limit
Visa
Network
- Credit interest
- 2% a month interest; cash withdrawal 5%; late payment 5% of amount due (min USD 25); over-limit USD 10 a month; up to 45 days interest-free on POS and online
- Perks
- 1 Royal Jordanian mile per USD 1.5 spent; 6 lounge visits (LoungeKey)
Free
Opening fee
Not published
Minimum balance
See fees
Maintenance fee
What's included
IQD, USD, EUR
Currency
- Account fee
- Monthly account management and debit card fees, plus quarterly statement fee (amounts not published)
- App & online
- Free mobile app (Android, iOS, macOS) with self-enrolment; e-statements free
- Who can apply
- 18+; resident and working in Iraq; compliance clearance
- Documents
- Iraqi: copy of valid ID. Non-Iraqi: passport + residency card; salary attestation / proof of income
- Other terms
- International card use activates 30 days after issue (CBI rule)
Free
Opening fee
None
Minimum balance
Account fee not published
Maintenance fee
What's included
IQD or foreign currencies
Currency
Branch
How to apply
- Profit / interest
- 'Guaranteed profit margin', calculated on daily balance and paid yearly; rate not published
- App & online
- BoB App and internet banking free; transfers between accounts via mobile 0.2% (min 5,000 IQD / USD 5)
- Who can apply
- Minors under guardianship allowed (birth certificate)
- Documents
- As current account plus birth certificate for minors
- Other fees
- Same as current account (dormant 3,000 IQD / USD 3 a month after 12 months)
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD and other currencies
Currency
Individuals 18+
Who can apply
- Profit / interest
- Calculated daily, paid twice a year; rate not published
- Other terms
- Dormant after 1 year without activity
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
IQD or USD account; USD abroad
Currency
Yes (NFC)
Contactless
Yes
Use abroad
18+ with a Byblos current account
Who can apply
- Issue fee
- Free instant issue and free replacement; 'modest' monthly card fee (amount not published); no commission on local ATM/POS; free at Byblos ATMs
- ATM limits
- Local USD 4,500-6,500 a day; international USD 500 a day, 3,000 a month
- Spending limits
- POS/online: local USD 4,500-6,500 a day, 10,000 a month; international USD 4,500-5,000 a day, 5,000 a month
- Documents
- Iraqi: copy of valid ID. Non-Iraqi: passport + residency card
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
- Other terms
- Rafidain opened 206 current, 1,760 savings, 97 deposit and 4,132 e-banking accounts in Q3 2026. OBDX internet banking and visa-purpose statements via the Ur portal launched 2025
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
6,000,000-12,000,000 IQD
Credit limit
Mastercard
Network
IQD
Currency
3 years
Card validity
Baghdad Airport VIP lounge
Perks
Checked 27 Oct
Source:company pageFree
Opening fee
10,000,000 IQD or USD 100,000
Minimum balance
Account fee not published
Maintenance fee
What's included
IQD and USD
Currency
- Profit / interest
- Expected annual profit, IQD paid at maturity: 1 month 4.5%, 3 months 5.5%, 6 months 7%, 12 months 9%. IQD paid monthly: 6 months 6.5%, 12 months 8.5%. USD: 6 months 5.5%, 12 months 7.5%. Profit split 75% customer / 25% bank; depositor bears investment risk
- How to apply
- Transfer from your FIB account; help at branches or 6977
- Other fees
- Breaking the deposit is free but you lose profit for incomplete months; needs bank approval
—Not stated
Opening fee
10,000,000 IQD
Minimum balance
Fees not published
Maintenance fee
What's included
IQD
Currency
- Profit / interest
- Profit paid upfront on deposit; rate not published; 1 year renewable
- Who can apply
- Individuals with an active IDB current or savings account in IQD
- Other terms
- Can liquidate after 3 months (upfront profit clawed back); credit card up to 25% of deposit (max 100M IQD); loan against deposit
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
Free
Opening fee
None published
Minimum balance
None listed
Maintenance fee
What's included
None listed
Maintenance fee
Passport or national ID; selfie
Documents
- Profit / interest
- None on the current account; 'Dream Account' savings space inside the app
- Currency
- IQD and USD (fee schedule charges by account currency)
- Transfers
- FIB to FIB instant in app ('no additional fees' on the transfer page, but the fee schedule lists 0.1% for person-to-person). ACH out IQD 0.2% (min 10,000), USD 0.3% (min 13,200 IQD). RTGS out IQD 0.3% (min 25,000), USD 0.4% (min USD 25). SWIFT out 125,000 IQD + 5%. Inward remittance 0.3%
- App & online
- Opened fully in the FIB app: ID or passport, selfie check, phone OTP. QR payments, Family Card, Dream Account, Group Saving
- Who can apply
- Over 18; passport or ID card in the account holder's own name
- How to apply
- FIB app (App Store / Google Play) or branch in Baghdad (Karrada), Erbil, Sulaymaniyah, Duhok
- Other fees
- Dormant-account reactivation 10,000 IQD; certified statement 15,000; cheque book 30,000 (25 leaves) / 50,000 (50)
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
Free
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
IQD
Currency
- Credit limit
- Up to 3x salary, max 10,000,000 IQD
- Credit interest
- 2% a month on unpaid balance; 0% if paid in full before the 29th (salary cards); cash advance 3% (salary cards)
- Perks
- Baghdad Lounge and Iraq Lounge; merchant discounts
- Who can apply
- Private-sector employees (salary at IDB)
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
USD 5,000-10,000
Credit limit
Mastercard
Network
USD
Currency
- Credit interest
- Interest 'competitive' (rate not published); minimum payment 5% of balance (min USD 25); up to 45 days grace
- Who can apply
- Iraqi public-sector employees or private-sector employees of any nationality, aged 25-60; or against cash collateral. Limit up to 3x monthly salary for salary-transfer customers
- Documents
- Iraqis: unified national ID (or national ID + citizenship certificate), work pass. Non-Iraqis: passport + resident/work visa. Salary customers: employer salary statement and signed deduction authorisation; guarantor collection certificate
Checked 27 Oct
Source:company pageNot published
Opening fee
Not published
Minimum balance
Not published
Maintenance fee
What's included
Not published
Maintenance fee
Not published
Profit / interest
Not published
Fee below minimum
Not published
Currency
At a TBI branch
How to apply
- Who can apply
- Iraqi citizens and residents over 18; individual, joint, or minor accounts run by a natural or court-appointed guardian; accounts possible for illiterate/blind customers (thumbprint + two witnesses)
- Documents
- Iraqi: national ID, residency card, passport if any, civil status ID, two photos. Non-Iraqi: passport, residency card, residency permit, proof of address, two photos
Checked 27 Oct
Source:company page—Not stated
Opening fee
5,000,000 IQD / USD 5,0005,000,000 IQD
or USD 5,000Minimum balance
Fees not published
Maintenance fee
What's included
IQD, USD
Currency
- Profit / interest
- IQD 5M-250M: 1m 2.50%, 3m 3.75%, 6m 4.75%, 1y 5.00%, 2y 6.50% (higher tiers up to 3.50/4.50/5.25/5.50/6.50%). USD 5k-250k: 1m 0.75%, 3m 1.25%, 6m 2.00%, 1y 2.50% (top tier up to 3.00%)
- Other terms
- Monthly or end-of-term payout; auto-renew; can be redeemed any time; covered by Iraqi Deposit Insurance Company
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Mastercard
Network
Exclusive is invitation only
Who can apply
Online form on qi.iq
How to apply
- Perks
- Exclusive: 1,300+ lounges in 135 countries for holder + 1 guest (Mastercard Travel Pass), VIP airport reception, Privilee Elite (UAE), travel insurance, 24/7 concierge. Standard World Elite: travel insurance, concierge, Priceless Cities
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Mastercard
Network
Not published
Currency
Yes: shops, online and ATMs abroad
Use abroad
Not published
ATM fees
- Perks
- Baghdad Airport Sama Elite Lounge: 4 free visits with airport rides, up to 3 companions; 50% off further visits and rides
- How to apply
- Qi Services app or any Rafidain branch
- Other terms
- Cash in/out, transfers and bills at Qi agents; withdrawals at Qi cash-out agents or Rafidain branches. Page calls it both debit and prepaid
Checked 27 Oct
Source:company page—Not stated
Opening fee
10,000,000 IQD or USD 10,000
Minimum balance
Fees not published
Maintenance fee
What's included
No interest if broken early
Other terms
- Profit / interest
- Tariff (labels unclear, read as IQD / USD): 6 months 3%/6%, 1 year 4%/7%, 2 years 5%/8%, 3 years 6%/9%; 5 years 10%; 2 months 5.5%; prepaid-profit 6.5%
5,000 IQD (issue or renewal)
Opening fee
—Not stated
Minimum balance
See fees
Maintenance fee
What's included
Visa
Network
IQD
Currency
3 years
Card validity
Yes
Contactless
TBI branch (guardian)
How to apply
- Annual fee
- Optional SMS alerts 25,000 IQD a year
- Use abroad
- No. Iraq only; no ATM withdrawals anywhere
- Spending limits
- Ages 16-17 (and those just turned 18): 100,000 IQD a week, max 300,000 a month. Ages 13-15: 75,000 a week, max 250,000 a month
- Who can apply
- Ages 13-17; funded by the guardian for the minor's spending, not saving
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
- Currency
- IQD and foreign currencies (current, fixed deposit)
- Documents
- Unified card, residence card or passport; two photos; work ID or employment letter
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
The Central Bank has barred this bank from US dollar dealings. Its IQD accounts still work, but USD accounts and card use abroad may not.
The Central Bank has barred this bank from US dollar dealings. Its IQD accounts still work, but USD accounts and card use abroad may not.
What's included
Online or at a branch
How to apply
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
See rate
Maintenance fee
- Profit / interest
- 11% flat profit rate; administrative commission 2% of total; stamp duty 0.3%; printing 50,000 IQD; credit inquiry 15,000
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Mastercard
Network
IQD
Currency
Yes, ATMs, POS and online abroad
Use abroad
2,000,000 IQD a day
ATM limits
Online 2,000,000 IQD a day
Spending limits
- Who can apply
- Current, savings or salary-transfer account holders
Checked 27 Oct
Source:company pageFree
Opening fee
—Not stated
Minimum balance
5,000 IQD / USD 5 every six months5,000 IQD
or USD 5 every six monthsMaintenance fee
What's included
5,000 IQD / USD 5 every six months
Maintenance fee
IQD (others accepted)
Currency
Passbook 15,000 IQD
Other fees
- Profit / interest
- Page advertises 5% a year on IQD but also '0.5% on the minimum monthly balance'; tariff lists 2.5% and 5%
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD
Currency
- Profit / interest
- Not stated; prize draws (Apple Watch, PS5, iPad Air, MacBook Air)
- Minimum deposit
- 100,000 IQD; 500,000 IQD average balance for draws
- Who can apply
- Under 18; children of employees, business owners and self-employed
Checked 27 Oct
Source:company pageFree + 5,000 IQD delivery
Opening fee
—Not stated
Minimum balance
See fees
Maintenance fee
What's included
Mastercard
Network
IQD or USD top-ups
Currency
Up to 3 years, can't be extended
Card validity
- Annual fee
- None; inactivity 1.5% (min 3,000 IQD) every 6 months on IQD balance
- Use abroad
- Yes once passport uploaded; not PayPal
- Currency exchange fee
- International POS 1.75%; e-commerce 1.75% (min $0.75 + 0.6%); +2% in UAE, China, Jordan
- ATM fees
- Local ATM up to 0.4% (min 600 IQD). International ATM $6 + 0.6% (+2% UAE/China/Jordan)
- ATM limits
- Local 2,000,000 IQD a day / 10,000,000 a month. International $98 a day / $986 a month
- Spending limits
- Max card balance 20,000,000 IQD; local POS/online 20,000,000 a month; international POS $3,289 a month; international online $328 a day / $3,289 a month
- Who can apply
- Permanent ZainCash wallet; one card per user
- How to apply
- ZainCash app → Mastercard (Wallet Card) → Order; delivery 72h Baghdad, 3-5 working days elsewhere
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
The Central Bank has barred this bank from US dollar dealings. Its IQD accounts still work, but USD accounts and card use abroad may not.
The Central Bank has barred this bank from US dollar dealings. Its IQD accounts still work, but USD accounts and card use abroad may not.
What's included
4 years
Card validity
Yes
Contactless
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Mastercard (debit)
Network
Yes, card, phone or watch
Contactless
- How to apply
- Online form → OTP; optional bank account number
- Other terms
- Personalised with your own photo; refund promise for unauthorised payments
Checked 27 Oct
Source:company page35,000 IQD; supplementary 20,000
Opening fee
—Not stated
Minimum balance
None listed
Maintenance fee
What's included
None listed
Maintenance fee
Visa
Network
Up to 5 years
Card validity
Yes
Contactless
Yes
Use abroad
Branch or email
How to apply
- Currency exchange fee
- 2% card markup + overseas fee listed as '3' (unit missing, likely 3%)
- ATM fees
- Other banks' / off-switch ATMs 0.4% (min 1,000 IQD); balance check at other ATMs 1,500 IQD; abroad 6,600 IQD / USD 5 per withdrawal; POS cash-back 0.6% (min 2,000)
- Spending limits
- 'High purchase limit'; amounts not published
- Perks
- Visa discounts, instant merchant discounts
—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
USD 3,000-5,000
Credit limit
Visa
Network
Yes
Contactless
- Issue fee
- USD 50; supplementary USD 30; reissue USD 10
- Credit interest
- 2% a month interest; cash withdrawal 5%; late payment 5% of amount due (min USD 25); over-limit USD 10 a month; up to 45 days interest-free on POS and online
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Visa
Network
IQD and USD
Currency
- Perks
- Unlimited LoungeKey visits + 1 guest (1,000+ lounges); Visa Infinite concierge; travel accident and medical insurance on tickets bought with the card
- Who can apply
- Iraqi citizen or official resident, 21+; cash guarantee of 120% of the limit
- Documents
- Iraqi: copy of valid ID. Non-Iraqi: passport + residency card; proof of income
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Mastercard
Network
IQD
Currency
Yes
Use abroad
- Documents
- National ID, residence card, passport, photo + MasterCard form
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD and other currencies
Currency
21 or older
Who can apply
- Documents
- Iraqis: personal documents and ID. Expats: valid visit visa or residence permit
- Other terms
- ATM Visa debit card; cheque book on request; free online banking
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
None listed
Maintenance fee
What's included
None listed
Maintenance fee
Visa
Network
Up to 5 years
Card validity
Yes
Contactless
Yes
Use abroad
Branch or email
How to apply
- Issue fee
- 200,000 IQD (primary or supplementary)
- Currency exchange fee
- 2% card markup + overseas fee listed as '3' (unit missing, likely 3%)
- ATM fees
- Other banks' / off-switch ATMs 0.4% (min 1,000 IQD); balance check at other ATMs 1,500 IQD; abroad 6,600 IQD / USD 5 per withdrawal; POS cash-back 0.6% (min 2,000)
- Perks
- Lounges at 1,000+ airports for holder + 1 guest (needs one cross-border transaction of USD 5+ in previous 90 days); concierge; multi-trip travel insurance up to 90 days for family; extended warranty; purchase and fraud protection
- Who can apply
- 'Elite customers'; criteria not published
Free
Opening fee
None
Minimum balance
See fees
Maintenance fee
What's included
IQD (transfers IQD only per CBI)
Currency
Max balance 10,000,000 IQD
Spending limits
One wallet per person
Who can apply
- ATM fees
- Agent cash-in 1,000 IQD (20,000,000 a month); Iraqi card top-up free (1.5M per transaction, 5M a month); NBI account top-up free. Agent cash-out 0.5% (min 500), salary wallets free up to 1,000,000
- Transfers
- Local transfer 0.1% (2,500,000 a month); to individual wallets 0.5% (min 300, max 2,500 IQD); to merchants 0.5% (min 300, max 10,000). Help page says transfers are free for permanent wallets. Western Union send: fee varies + 6,080 IQD verification fee, 2,300,000 IQD a month, 5 new beneficiaries a month; receive free, IQD only
- App & online
- ZainCash app (Arabic, Kurdish, English) and USSD *210#
- Documents
- Iraqi: original national card + residence card (spouse/children also attach head of household's card). Non-Iraqi: passport + residency permit
- How to apply
- ZainCash app with live photo; reviewed within hours
- Other fees
- Wallet must have one transaction every 3 months to stay active
—Not stated
Opening fee
—Not stated
Minimum balance
150,000-500,000 IQD
Maintenance fee
What's included
150,000-500,000 IQD
Maintenance fee
Minimum 5%, 10% or 100%
Repayment
Visa
Network
USD, EUR or IQD
Currency
- Credit limit
- Page says min USD/EUR 10,000 or IQD 1,500,000, max IQD 7,000,000 (wording ambiguous)
- Perks
- LoungeKey: 6 visits a year (extra USD 32), incl. Ahlein lounges Baghdad and Beirut; DragonPass dining; Visa Luxury Hotel Collection; Avis, Global Blue, ENTERTAINER offers; extended warranty
- Who can apply
- Iraqi citizen or official resident, 21+; cash guarantee of 120% of the limit
- Documents
- Iraqi: copy of valid ID. Non-Iraqi: passport + residency card; proof of income
Checked 27 Oct
Source:company pageFree
Opening fee
None
Minimum balance
Account fee not published
Maintenance fee
What's included
None
Profit / interest
Branch
How to apply
- Account fee
- None listed; salary accounts up to 2,000 IQD per salary by employer agreement
- Currency
- IQD, USD, GBP, EUR and other major currencies
- Transfers
- Same branch to another customer 6,000 IQD / USD 5; ACH out 0.2% (min 15,000 IQD); RTGS out 0.2% (min 25,000 IQD); SWIFT out 0.3% (min USD 25); incoming IQD 0.2% (min 15,000), USD 0.2% (min USD 20); USD cash withdrawal 1.4% (CBI-exempt) or 3%
- App & online
- BoB App and internet banking free; transfers between accounts via mobile 0.2% (min 5,000 IQD / USD 5)
- Documents
- Account form, residence card, passport if available, one photo, work ID for employees; non-Iraqis: valid residence permit + passport
- Other fees
- Dormant after 12 months: 3,000 IQD / USD 3 a month. Closure free. Statement 3,000 IQD (3 months). Cheque book 20,000 IQD (10) / 30,000 (25). Returned cheque 30,000
5,000 IQD (issue or renewal)
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
IQD
Currency
3 years
Card validity
Yes
Contactless
Not published
Mobile wallets
Yes, online and in shops abroad
Use abroad
Not published
Currency exchange fee
- Annual fee
- None listed; optional SMS alerts 25,000 IQD a year, deducted without notice
- ATM fees
- Free at TBI branches and ATMs; other banks' ATMs in Iraq (National Switch) charged '0.004' per CBI rules (unit not stated)
- ATM limits
- Iraq: 2,000,000 IQD a day / 60,000,000 a month. Abroad: USD 100 a day / USD 500 a month
- Spending limits
- Iraq: unlimited. Abroad: USD 4,500 a month; up to USD 20,000 for travel merchants and USD 50,000 for medical, each including the basic limit
- How to apply
- TBI branch (linked to a TBI account)
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
See fees
Maintenance fee
What's included
Mastercard
Network
IQD
Currency
SuperQi app
How to apply
- Annual fee
- 149,000 IQD in one FAQ, 150,000 IQD in another; paid yearly in advance
- Perks
- Turkish Airlines miles: 3 per 1,000 IQD on Turkish Airlines, 1 per 1,000 IQD elsewhere; 1,000 bonus miles after first flight. Local spending may be capped at 5,000 miles a year (conflicting FAQ)
—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
IQD or USD account; USD abroad
Currency
Yes (NFC)
Contactless
Yes
Use abroad
18+ with a Byblos current account
Who can apply
- Issue fee
- Free instant issue and free replacement; 'modest' monthly card fee (amount not published); no commission on local ATM/POS; free at Byblos ATMs
- ATM limits
- Local USD 1,000-3,000 a day, 5,000 a month; international USD 500 a day, 3,000 a month
- Spending limits
- POS/online: local USD 1,000-3,000 a day, 10,000 a month; international USD 1,000-3,000 a day, 5,000 a month
- Documents
- Iraqi: copy of valid ID. Non-Iraqi: passport + residency card
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
- Transfers
- International in and out in USD, EUR, GBP, CHF, JPY, AED, from any branch or online banking; same-day credit for transfers from client accounts (as stated)
- App & online
- Online banking on web, iOS (tbi-banking) and Android (TBI-Mobile)
25,000 IQD
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
IQD or other currencies
Currency
2 years
Card validity
Max balance 10,000,000 IQD
Spending limits
Recharge 5,000 IQD
Other fees
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Visa
Network
Yes
Contactless
Yes
Use abroad
Visa discount programmes
Perks
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
30,000,000-75,000,000 IQD
Credit limit
Mastercard
Network
IQD
Currency
- Perks
- Airport lounges, hotel and restaurant offers, Baghdad Airport VIP lounge
Checked 27 Oct
Source:company page—Not stated
Opening fee
5,000,000 IQD
Minimum balance
Fees not published
Maintenance fee
What's included
IQD
Currency
New and existing customers
Who can apply
- Profit / interest
- No interest; gold grams per tier (5M: 1y 2.5%; 10M: 6m 2.5% / 1y 5%; 15M: 6m 5% / 1y 7.5%)
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
See rate
Maintenance fee
What's included
Rafidain icon in the SuperQi app
How to apply
- Profit / interest
- Commissions and interest spread across instalments; amounts not published
- Who can apply
- Employees and retirees paid through Rafidain and holding a Rafidain card; credit check
- Other terms
- Applications in batches of 5,000 from 24 Oct 2026; paid onto the Rafidain card with no upfront deductions
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
The Central Bank has barred this bank from US dollar dealings. Its IQD accounts still work, but USD accounts and card use abroad may not.
The Central Bank has barred this bank from US dollar dealings. Its IQD accounts still work, but USD accounts and card use abroad may not.
- Profit / interest
- Savings and term deposits earn interest; rates not published
- Transfers
- SWIFT USD 50 (was USD 80); USD and AED transfers '0.004' (unit not stated); CBI platform 10 IQD per USD
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
IQD and USD
Currency
- Profit / interest
- Profit up to 6.25% (IQD) and 2.25% (USD), paid every 3 months
- Other terms
- Children's accounts available; card with each account
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Instant SMS for every transaction
Other terms
- Network
- Mastercard or UnionPay (per account page)
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
USD 3,000-5,000
Credit limit
Mastercard
Network
USD
Currency
- Credit interest
- Interest 'competitive' (rate not published); minimum payment 5% of balance (min USD 25); up to 45 days grace
- Who can apply
- Iraqi public-sector employees or private-sector employees of any nationality, aged 25-60; or against cash collateral. Limit up to 3x monthly salary for salary-transfer customers
- Documents
- Iraqis: unified national ID (or national ID + citizenship certificate), work pass. Non-Iraqis: passport + resident/work visa. Salary customers: employer salary statement and signed deduction authorisation; guarantor collection certificate
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
- Transfers
- Local via RTGS or CT (IQD, USD); abroad in USD and EUR; transfers over USD 10,000 / 13.2M IQD need supporting documents and KYC form
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
USD 500-3,000
Credit limit
Visa
Network
Yes
Contactless
- Issue fee
- Not separately listed (Silver Visa USD 50 in fee list)
- Credit interest
- 2% a month interest; cash withdrawal 5%; late payment 5% of amount due (min USD 25); over-limit USD 10 a month; up to 45 days interest-free on POS and online
50,000 IQD + 5,000 delivery
Opening fee
—Not stated
Minimum balance
None listed
Maintenance fee
What's included
None listed
Maintenance fee
Mastercard
Network
IQD
Currency
Yes once passport uploaded
Use abroad
Same as WalletCard
ATM fees
Platinum discounts and offers
Perks
- Currency exchange fee
- Same as WalletCard: 1.75% international (+2% UAE/China/Jordan)
- Who can apply
- Activated ZainCash wallet; can't hold a Classic card at the same time
- How to apply
- ZainCash app → Delivery → Wallet Card → Platinum
—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Mastercard
Network
IQD
Currency
3 years
Card validity
Yes
Contactless
Not published
Mobile wallets
Yes
Use abroad
Not published
Currency exchange fee
TBI branch
How to apply
- Issue fee
- 'USD 5,000 / five thousand Iraqi dinars' as printed; almost certainly 5,000 IQD
- Annual fee
- None listed; optional SMS alerts 25,000 IQD a year
- ATM fees
- Free at TBI branches/ATMs; other banks' ATMs in Iraq '0.004' (unit not stated)
- ATM limits
- Iraq: 2,000,000 IQD a day / 60,000,000 a month. Abroad: USD 100 a day / USD 500 a month
- Spending limits
- Iraq: unlimited. Abroad: USD 4,500 a month; up to USD 20,000 travel and USD 50,000 medical
Checked 27 Oct
Source:company page—Not stated
Opening fee
—Not stated
Minimum balance
Annual fee not published
Maintenance fee
What's included
Visa
Network
Yes
Contactless
Yes
Use abroad
Not published
Currency exchange fee
- Issue fee
- First issue free; renewal 15,000 IQD; replacement 10,000
- ATM fees
- Free at NBI ATMs; 10,000 IQD at ATMs outside the national network
—Not stated
Opening fee
—Not stated
Minimum balance
Fees not published
Maintenance fee
What's included
Visa (per page metadata)
Network
Yes, ATMs and shops worldwide
Use abroad
All account holders
Who can apply
Checked 27 Oct
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