Iraq · Banking & Payments

Rafidain Bank

Name: Rafidain Bank
Brand: Rafidain Bank

Up to date as of October 23, 2026

Rafidain Bank is Iraq's largest state bank, handling salaries and pensions for millions of public employees, with cards, branches and electronic services.

What it helps with

Receiving a salaryCards for public employees.
Government paymentsFees and dues.
Loans for employeesApplications online.

About Rafidain Bank:

Founded in 1941, Rafidain has branches in every governorate. Public-sector salaries are paid to its cards, and its electronic services cover balances, loans for employees and payment of government fees.

Key Features:

Salary cards: Public-sector salaries and pensions.
Branch network: All governorates.
Electronic services: Balances and applications online.

How to Get Started:

Open an account or get a salary card through your employer or a branch.
Register for the electronic services.
Check balances and statements online.
Apply for employee loans through the portal.

Before you use it

Limits: ATM withdrawals from salary cards have daily limits; large sums require a branch visit.
Good to know: Most services are in Arabic only.

Local number needed Local ID needed

Frequently Asked Questions

Does Rafidain Bank 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 Rafidain Bank available in English?: Not officially — the interface is mainly in the local language.
Do I need a local phone number to use Rafidain Bank?: Yes, Rafidain Bank requires a local phone number to register.
Do I need local ID or residency for Rafidain Bank?: Yes, Rafidain Bank requires local ID or residency status.
Where can I use Rafidain Bank?: Web · iOS · Android
How much does Rafidain Bank cost?: Fees per the bank's tariff