Iraq · Banking & Payments

First Iraqi Bank (FIB)

Name: First Iraqi Bank (FIB)
Brand: First Iraqi Bank (FIB)

Up to date as of October 23, 2026

First Iraqi Bank (FIB) is a digital bank whose app lets people in Iraq open an account from the phone, get a card, pay by QR and send money instantly.

What it helps with

Banking without a branchAccount opened in the app.
Sending money instantlyTransfers between users.
Paying onlineCard for online purchases.

About First Iraqi Bank (FIB):

FIB grew fast in Erbil, Baghdad and other cities by offering account opening with an ID scan, free transfers between users, card payments online and QR payments in shops. It is licensed by the Central Bank of Iraq.

Key Features:

Account from the phone: Sign up with your ID.
Instant transfers: To other FIB users and cards.
Cards and QR: Online payments and shop QR codes.

How to Get Started:

Install the FIB app.
Register with your Iraqi phone number.
Scan your ID and take a selfie.
Top up at an agent or by transfer and start paying.

Before you use it

Payment: The FIB card works for online purchases abroad, which many Iraqi cards do not.
Sign-up: An Iraqi SIM in your name is needed to receive verification codes.

English available Local number needed Local ID needed

Frequently Asked Questions

Does First Iraqi Bank (FIB) work with a foreign bank card in Iraq?: Not reliably — a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is First Iraqi Bank (FIB) available in English?: Yes, First Iraqi Bank (FIB) has an English-language interface.
Do I need a local phone number to use First Iraqi Bank (FIB)?: Yes, First Iraqi Bank (FIB) requires a local phone number to register.
Do I need local ID or residency for First Iraqi Bank (FIB)?: Yes, First Iraqi Bank (FIB) requires local ID or residency status.
Where can I use First Iraqi Bank (FIB)?: iOS · Android
How much does First Iraqi Bank (FIB) cost?: App free; fees per tariff