Evaluate how close the bank's ATMs and branches are to your home or workplace for convenience.
Bank Partners
Bank Partnerships
Partnerships provide the vital ecosystem for boosting digital payments and services, encompassing payment solutions, regulatory compliance, attractive offers, and more
Choosing the Right Bank: 4 Things to Consider
When deciding on a bank that perfectly suits your needs, it's essential to keep certain factors in mind. Here are some considerations to help you make an informed decision:
1. Accessibility and Branch Network
Compare the various account options and features available, including savings, current, and fixed deposit accounts. Investigate the interest rates offered for savings and fixed deposit accounts to optimize your returns. Additionally, consider if the bank offers digital banking capabilities as this can enhance your banking experience.
Compare the transparency in fees for various services, including account maintenance and transactions. Look for accounts with minimal charges to save on unnecessary expenses.
4. Financial Products and Services
Explore the bank's additional services: digital banking for seamless online transactions, personal loans, mortgages, auto loans, investments, and insurance. Ensure they align with your financial goals. If you plan to take out loans in the future, compare loan interest rates from different banks.
By considering these important factors, you can confidently choose a bank account that aligns with your lifestyle and financial aspirations. A well-informed decision will set you on the path to financial success and convenience.
Participating Bank Partners
Contact Number: 773 928 3002
Contact Number: 0750 765 8888
Contact number: 066 211 5700
Contact Number: 6566
Contact Number: 780 777 7444
Contact Number: 750 777 9777
Contact Number: 790 194 3584
Stay tuned for additional banking partners joining the program soon!
Bank Service Fees
| # | Description | Types of Payment | Fees (IQD) |
| 1 | Account opening commission | One-off | Free |
| 2 | Account management fee | Monthly | Free |
| 3 | Salary reload commission | Monthly | 2,000 IQD |
| 4 | 3-Year card issuance commission | Monthly | 500 IQD |
| 5 | Commission for re-issuing a damaged card | One-off | 15,000 IQD |
| 6 | Commission for re-issuing a lost or stolen card | One-off | 15,000 IQD |
| 7 | Commission for withdrawing from own bank ATM bank | Per transaction | Free |
| 8 | Commission for withdrawing from own bank ATM to another bank | Per transaction | 0.004% (minimum 1,000 IQD) |
| 9 | Online shopping commission | Per transaction | Free |
| 10 | Purchase commission from points of sale | Per transaction | Free |
| 11 | Inter-branch commission | Per transaction | Free |
| 12 | Prepaid card issuance | One-off | Free |
| 13 | Issuance of a new PIN for ATM | Per transaction | 7,000 IQD |
| 14 | 3-Year credit card issuance | One-off | 35,000 IQD |
| 15 | Online banking | Monthly | Free |
| 16 | Mobile App | Monthly | Free |
| 17 | E-Statement | Monthly | Free |
| 18 | SMS notifications | Monthly | Free |
| 19 | Customer services | Monthly | Free |
Trade Bank of Iraq (TBI): Service Fees
| # | Service | Types of Payment | Fees (IQD) |
| 1 | Account opening fee | One time | Free |
| 2 | Account management fee | Monthly | Free |
| 3 | Salary reload fee | Monthly | 2,000 IQD |
| 4 | Card issuance fee | One-off | 15,000 IQD |
| 5 | Fee for reissuing the third card | One time | 25,000 IQD |
| 6 | Fee for reissuing lost or stolen card | One time | 25,000 IQD |
| 7 | ATM withdrawal fee (own bank's ATM) | Per transaction | Free |
| 8 | ATM withdrawal fee (other bank ATMs) | Per transaction | 0.004% (minimum 1,000 IQD) |
| 9 | Online shopping fee | Per transaction | 1.96% to 2% |
| 10 | PoS purchase fee | Per transaction | 1.96% to 2% |
| 11 | Inter-branch commission | Per transaction | 0.001% (minimum 5,000 IQD) |
| 12 | New ATM PIN issuance | One-off | 10,000 IQD |
| 13 | 3-years credit card issuance | Once every 3 years | 70,000 IQD |
| 14 | Internet banking services | Monthly | Free |
| 15 | Mobile app | Monthly | Free |
| 16 | Electronic account statement | Monthly | Free |
| 17 | 3-years SMS notification | Annually | 75,000 IQD |
| 18 | Customer service | Monthly | Free |