MyAccount project is the initiative to digitize public sector payroll payments, aiming to improve efficiency, transparency, and financial inclusion.

The objective is to enhance your experience of receiving the salary: you no longer need to go to the public bank; your money is available 24/7, at any ATM near you.

MyAccount program applies to all public employees: Civil Employees, Peshmerga, Pensioners, Martyr Families, and Social Welfare Beneficiaries.

To stay informed about updates and changes to the MyAccount program, you can follow MyAccount's official platforms on the social media platforms, as below:

• Facebook
• Instagram
• Youtube

You can also be a step ahead by joining MyAcount's WhatsApp channel.

For further assistance, please feel free to contact MyAccount's call center via 1991.

For additional questions about the MyAccount project you can reach out to the support and care team again or your unit manager.

KYC (Know Your Customer) is a process required by the Central Bank to validate your information when we open a bank account for you.

Your KYC information will be handled securely and only shared with relevant parties such as Central Bank, for regulatory compliance and in accordance with data protection laws.

No, you can only fill KYC information directly through MyAccount agents. or through the forms distributed within your Accounting Unit (AU).

You will need to provide one of the following two original ID combinations (no copies accepted) on the registration day:

Option 1: National ID Card  + Information Card. Both documents must be presented.

Option 2: Civil + Citizenship Card + Information Card. All three documents must be presented. 

Yes, your data is protected. The MyAccount project adheres to strict data security and privacy standards to protect beneficiaries including secure communication channels, encryption, access controls, and regular audits.

All public sector beneficiaries will be onboarded to the MyAccount project and can start using their private bank account within the next 24 months. Please check the official onboaring time schedule on the "Schedule" page of the website.

Yes, you can select your preferred bank from a list of participating banks in the MyAccount program. Please refer to the "Banks and Partners" section of the official website for all official bank partners.

You will need to provide one of the following two original ID combinations (no copies accepted) on the registration day:

Option 1: National ID Card + Information Card. Both documents must be presented.

Option 2: Civil + Citizenship Card + Karti Zanyari. All three documents must be presented.

Once you receive your debit card and PIN, follow the instructions provided with the card to activate it. You can then start using your account for transactions, deposits, and withdrawal.

During the onboarding, you will be asked whether you already have an existing account with the banks. If this is the case, we will coordinate with your bank to allow you to continue using your account to receive payroll.

You will be able to collect your debit card once the bank successfully opens an account for you and your card is ready for collection. Depending on the selected bank, you can collect your debit card from a public bank. You will either receive a text message with the details of the location of the public bank and the collection date and time, or you will be informed by your Accounting Unit (AU). 

We diligently follow up on all cards and PIN codes. In case of any delays with your card preparations, please contact our care team for assistance in resolving the issue. 

For any delays with your PIN code, please reach out to your selected bank, they will assist you in resolving the matter. 

Salaries are directly deposited into your personal bank account and you will be able to withdraw in cash from any of the 1,200+ ATMs in the deployment process, across KRI. 

Your Accounting Unit (AU) will be informed when your salary is transformed to digital. However, once you start receiving your salary digitally, you will continue to receive it in that form.

No, salary payments through public banks will cease. You will still find ATMs near public banks and other locations that can be found on the ATM Locator page on the MyAccount website.

Yes, unless you are notified otherwise via an SMS, you can always seek your accounting unit's (AU) support on this. You will receive an SMS from your selected bank notifying you when your salary is ready for withdrawal at the ATMs.

A key goal of this program is to ensure a more stable payroll process for public sector beneficiaries, with instant notification on salary day.

In case of any delays, the government will notify employees through regular communication channels.

Your accounting unit (AU) should inform you if you are receiving your salary digitally or in cash. If you are unsure and it is your payment day, please check with your AU for updates.

The government is committed to ensuring more stable salary payouts every month.

First, your accounting unit (AU) should have informed you if you are receiving your salary digitally and your selected bank to inform you via SMS.

Yes, you can withdraw any amount of your salary at any time, unless your salary exceeds the withdrawal limit of your selected bank.

Make sure to check the withdrawal limit policies of your bank.

Withdrawals of your salary can be made in IQD at all ATM locations. Certain banks may provide ATMs at specific locations (e.g., airport), where you can withdraw a in USD, however, it's important to note that exchange fees may be applied.

Beneficiaries need to pay a monthly fee of 2,500 IQD to maintain their bank account, which could potentially explain the difference in the actual amount received at the bank. If the difference is more than 2,500 IQD,  contact your Accounting Unit (AU) to check the amount they have recorded for you. If the issue persists, then reach out to our support team via 1991, and we will assist you in resolving the matter as soon as possible.

You can find the latest information on ATM locations, availability, and affiliated banks by visiting the ATM Locator page on the MyAccount website.

Our program is actively expanding, with over 1,200 ATMs being developed across the Kurdistan Region of Iraq (KRI) to ensure widespread access.

For further assistance, you may also contact your bank’s customer service or the MyAccount call center via 1991.

To conduct a transaction, please follow the below steps:

• Insert or tap your debit card on the ATM,
• Enter your PIN code,
• Follow the on-screen prompts to select your desired language and service, such as cash withdrawal, balance inquiry, or PIN change.

For a detailed visual walkthrough, you can view our ATM usage video available on the MyAccount website.

If you encounter any issues during your transaction, please check that your card is correctly inserted or try tapping again. Additionally, ensure your PIN is entered carefully.

For further assistance, contact your selected bank’s customer service.

Yes, you can use any ATM regardless of the location and bank brand. However, please note that fees may apply when using an ATM operated by a different bank.

Withdrawals from your own bank’s ATMs are free of charge. For more specific information on fees or limits, please refer to your bank’s policies or contact their customer support team.

For the first few months of the MyAccount Project, representatives will be stationed near ATM hubs to provide on-site assistance and address your questions.

Additionally, you can find a step-by-step ATM usage video on our website, for more guidance.

If you need further support, please don’t hesitate to contact your selected bank’s customer service team, who can provide additional assistance on using ATM services.

If an ATM is temporarily out of service, you can locate the nearest alternative using the ATM Locator tool on the MyAccount website.

Your bank’s technical support team is committed to maintaining ATM functionality and will promptly address any issues to minimize downtime.

For further assistance, you may also contact your bank’s customer support, who can provide updates and suggest nearby ATMs available for use.

Yes, you can withdraw cash from ATMs internationally. Withdrawals made at ATMs operated by your bank are free, while those from other banks may incur a fee. For transactions abroad, additional charges and exchange rates may apply.

We recommend reviewing the fee policies of your selected bank and ensuring your card is enabled for international use if you plan to withdraw money while traveling.

Withdrawals from ATMs of your selected bank are free of charge. However, if you withdraw cash from other bank ATMs, a fee of approximately 0.4% will apply for transactions of approximately 1 million IQD.

For a detailed breakdown of fees for different withdrawal amounts or other services, please refer to the Partner Banks page on the MyAccount website or contact customer service for further assistance.

Yes, withdrawal limits may apply and can vary depending on your bank and account type.

To find out your specific daily or per-transaction limits, please consult your bank’s customer service or refer to your account terms.

For international withdrawals, limits may differ based on local ATM restrictions.

If the ATM retains your card or does not dispense cash as expected, contact your bank's customer service immediately for assistance.

They can help secure your card, address any transaction issues, and provide the next steps for card retrieval or resolving the cash transaction.

For added support, note the location, time, and any error messages displayed on the ATM as this information may be useful in resolving the issue promptly.

To report an ATM issue, such as a malfunction or lack of cash, please contact your bank's customer service and provide specific details, including the location of the ATM and a description of the issue.

This information will help the technical team address the problem quickly and restore full functionality.

If you notice any unusual activity or a suspicious device on an ATM, such as a potential card skimmer, avoid using the machine and promptly report the issue to your bank’s customer service.

It’s also helpful to note the location of the ATM and describe the suspicious device or activity in detail.

For your safety, always shield your PIN during transactions and be cautious of any attachments or items that seem out of place on the ATM.

To maintain the safety and security of your ATM transactions, always keep your PIN code private and shield it from view when entering it. Avoid sharing your PIN with others, even close contacts.

Additionally, regularly monitor your account statements for any unauthorized transactions to quickly detect any unusual activity.

For added security, use ATMs in well-lit, busy areas and be aware of your surroundings.

If you notice anything unusual, such as loose components or attachments on the ATM, do not proceed with your transaction and report it to your bank’s customer service.

To safeguard your card and PIN from theft or fraud, always shield the keypad with your hand while entering your PIN, ensuring it is not visible to others or captured by cameras.

Never share your card or PIN with anyone, and avoid writing down your PIN where it could be easily accessed. 

If your transaction is incomplete or your account is debited without receiving cash, please report the issue to your bank’s customer service immediately.

Provide details such as the location of the ATM, the date and time of the transaction, and any error messages you observed.

Your bank will investigate the issue, and, if applicable, the debited amount will be refunded to your account following verification.

If the ATM screen or keypad is unresponsive, avoid attempting further transactions and do not insert your card again. Instead, contact your bank’s customer service and provide details about the issue and the ATM’s location.

For your security, avoid trying to fix the issue yourself or forcing inputs, as this may disrupt the transaction process. 

If your ATM card is damaged or worn out, contact your bank’s customer service to request a replacement card. 

Banks may require a formal request, and some may apply a small fee for replacement. 

You can often order a new card online, through customer service, or by visiting a branch in person.

To prevent your card from being retained by the ATM, ensure it is in good condition, and free from bending, cracks, or visible damage.

Insert your card smoothly and be ready to remove it promptly once your transaction is complete.

Additionally, take care when entering your PIN, if you enter the wrong PIN three times, the ATM may retain your card for security reasons.

If your card shows signs of wear or malfunction, consider requesting a replacement from your bank to avoid issues during use.

Yes, cards can also be used for various types of payments, such as point-of-sale purchases at retail locations and online transactions, provided they are linked to a supported network, e.g., Visa, or MasterCard.

Check with your bank to confirm the specific payment options available with your card and any associated fees or transaction limits.

The program implies the opening of a checking account. You can check with your bank’s customer service for all the types are available, such as savings accounts.

You can check your account balance through your bank's ATM, online or mobile banking, or by contacting your bank's customer service.

You can switch to another bank anytime you want. You will just need to open the new bank account in the desired bank and notify your unit administration so that your salary can be transferred to your new account.

To update your personal information, you can contact your bank's customer service or visit your local branch for further assistance.

Yes, cheque deposit services are available for beneficiary accounts. Contact your bank for details on how to deposit cheques.

 Yes, you can transfer money to other accounts within the same bank or to different banks, subject to transaction limits and fees

KRG is working to implement multiple bill collection services in the near future. All citizens and residents will be notified, as soon as such services become available

Eligibility for loans and credit facilities is subject to bank policies and individual credit assessments. Contact your bank for more information.

Loan and credit product offerings may vary between banks. Reach out to your bank for information on available products tailored for you.

Most banks offer digital banking services, such as online and mobile banking, to access and manage your account. Consult your bank for available options and setup instructions.

Availability of mobile wallets and digital payment services depends on your bank and the specific services they support. Contact your bank for more information on compatible services.

Immediately report a stolen card or compromised PIN to your bank's customer service. They will guide you through the necessary steps to secure your account.

You can change your debit card PIN at your bank's ATM, through online or mobile banking, or by visiting your bank's branch.

Contact your bank's customer service to report a lost or damaged card and request a replacement. For a new PIN, follow your bank's guidelines.

Opening a bank account is free. There are only two types of costs that you would experience after opening the bank accont:

1. Costs to maintain the bank account: Beneficiaries can save on indirect costs like checkbooks and transportation to public banks, incurring only a single monthly bank fee of 2500 IQD for account maintenance.
2. (Optional) Cost of financial products that you may purchase in the future: for example, the cost of having a loan, or a mortgage.

Only the 2500 IQD fee for bank account maintenance per month. Beneficiaires however can save on indirect costs like checkbooks and transportation to public banks.

Withdrawing from your own bank’s ATMs will be free of charge, whereas withdrawing from a different bank’s ATM will incur a commission of around 0.4%.

Fees for balance inquiries or other non-cash transactions should be free across all banks. Check with your bank customer service for any specific fee information.

To file a complaint, contact your bank's customer service, visit their website, or visit a local branch.

The timeframe for resolving complaints may vary depending on the nature of the issue. Your bank will provide you with an estimated resolution timeframe when you submit your complaint.

If your complaint is not resolved to your satisfaction, you may escalate the issue to the MyAccount Care team.

You can provide feedback via “Contact us” section on the MyAccount website.

Your feedback is valuable to identify areas of improvement and enhance the program.