NBI Loyalty Program – 
General Terms and Conditions

Effective Date: Upon customer acceptance within the website 
Issued by: [National Bank of Iraq] (“the Bank”)


1. Acceptance and Applicability

1.1. These Terms and Conditions (“Terms”) govern the customer’s participation in the Bank’s Loyalty Program (“Program”).
1.2. By selecting “Accept” on the mobile banking application at first access, the customer (“Customer”) expressly acknowledges, understands, and agrees to be bound by these Terms.
1.3. Continued use of the Program constitutes the Customer’s ongoing acceptance of all amendments and updates to these Terms, whether or not the Customer receives notice of such changes.

2. Eligibility and Enrollment

2.1. Enrollment in the Program is available exclusively to the Bank’s retail customers who maintain active accounts and access the Program through the Bank’s mobile application.
2.2. Enrollment is initiated electronically upon Customer acceptance.
2.3. The Bank reserves full discretion to reject, suspend, or revoke eligibility at any time without prior notice.

3. Earning Reward Points

3.1. Reward Points (“Points”) may be earned based on eligible banking transactions, promotional campaigns, special offers, or Games within the Program.
3.2. The criteria, categories, and rates of earning Points are defined solely by the Bank and may be modified at any time.
3.3. Points earned will be displayed in the mobile application on a total balance basis and per eligible transaction basis.
3.4. Points are non-transferable, non-negotiable, and have no monetary value except when redeemed through the approved redemption process within the Program.
3.5. The Customer acknowledges that Points cannot be exchanged, sold, or converted outside the Program.

4. Expiry of Points

4.1. All Points earned under the Program are subject to an expiry date as determined solely by the Bank.
4.2. Upon expiry, Points shall automatically lapse and be permanently forfeited.
4.3. Expired Points cannot be reinstated, refunded, claimed, or redeemed, and the Customer has no right to request any compensation in cash, credit, or alternative forms.
4.4. The Customer acknowledges that it is their sole responsibility to monitor Points expiry through the mobile application.

5. Redemption of Points

5.1. Points may be redeemed only as cashback credited to one of the Customer’s nominated and active bank accounts in Iraqi Dinar (IQD).
5.2. The Bank determines the conversion rate and redemption rules at its exclusive discretion.
5.3. Redemption rates are final and may not be disputed, contested, or appealed.
5.4. The Bank may impose minimum or maximum redemption thresholds and may reject any redemption request that does not meet the Program rules.
5.5. Once a redemption request is submitted and processed, it is final, non-reversible, and cannot be cancelled or refunded.

6. Loyalty Games and Interactive Activities

6.1. The Program may include Games or interactive activities through which Customers may earn additional Points.
6.2. Participation is voluntary and subject to the rules displayed in each Game.
6.3. The Customer agrees that all Game outcomes, calculations, rankings, and rewards are determined solely by the Bank and are final and binding.
6.4. The Customer waives all rights to challenge, dispute, or appeal any Game-related results, scoring, or Points awarded.

7. Data Sharing and Customer Consent

7.1. By participating in the Program, the Customer provides explicit consent for the Bank to use, process, and share certain account-related information strictly for the purpose of administering the Program.
7.2. Such information may include, but is not limited to, customer name, mobile number, account number(s), transaction data, and Points activity.
7.3. The Bank may share limited account information (including the nominated account number for redemption) internally within the Bank or with authorized service partners strictly for:
a. Facilitating Points accrual,
b. Processing redemption requests,
c. Operating Games or campaigns,
d. System integration, reconciliation, and reporting.
7.4. The Customer acknowledges that this data sharing is necessary for Program functionality and hereby irrevocably consents to it.

8. Non-Contestability

8.1. The Customer waives all rights to dispute, challenge, or contest:
a. Earned Points,
b. Expired Points,
c. Redemption value or conversion rate,
d. Game rules or outcomes,
e. Any change or suspension of the Program.
8.2. All calculations are based on the Bank’s internal systems and methodologies and are final.

9. Bank’s Rights to Modify, Suspend, or Terminate the Program

9.1. The Bank may modify, suspend, or terminate the Program at any time, with or without notice.
9.2. The Bank may change earning rates, redemption values, expiry periods, or eligibility rules at any time.
9.3. Upon termination, the Bank may credit the Customer’s active account with the remaining Points value based on the Bank’s final calculation.
9.4. The Bank shall not be liable for any financial loss, dissatisfaction, or damages resulting from such actions.

10. System Errors, Reversals, and Adjustments

10.1. The Bank reserves the right to reverse or adjust Points in the event of errors, cancelled transactions, fraud, or system issues.
10.2. The Customer authorizes the Bank to unilaterally correct, debit, or adjust Points without prior notice.

11. Customer Responsibilities

11.1. The Customer must regularly review their Points balance, expiry dates, and Program updates.
11.2. The Customer must ensure all personal and account details remain correct.
11.3. Any misuse of the Program may result in suspension or legal action.

12. Disclaimers and Limitation of Liability

12.1. The Program is provided on an “as is” basis.
12.2. The Bank disclaims all liability for system delays, inaccuracies, interruptions, or failures.
12.3. To the maximum extent permitted by law, the Bank shall not be liable for any direct or indirect damages related to participation in the Program.
12.4. The Customer agrees to indemnify and hold the Bank harmless from any claims arising from misuse or misunderstanding of the Program.

13. Governing Law and Jurisdiction

13.1. These Terms are governed by the laws and regulations of the Republic of Iraq.
13.2. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of competent courts in Iraq.

14. Miscellaneous

14.1. If any provision is found invalid, the remaining Terms shall remain enforceable.
14.2. The Bank’s failure to enforce any clause does not constitute waiver.
14.3. Nothing in the Program shall be construed as creating any financial obligation or liability to the Customer beyond what is explicitly provided.

Our customers can enjoy the following services through the ATM network spread all over Iraq:

• Cash withdrawal
• Balance Inquiry
• Transfer money between National Bank of Iraq accounts
• Account Statement Request/Account Short Statement
• Change the Card Personal Identification Number (PIN)
• Ask for more information

Working hours are from 8:30 am to 12:00 pm (7 days a week)

Phone Number:
07807777444 - 07717777444

Provided Services

Activate and deactivate debit cards, inquiries about transactions, report a lost or stolen card (debit or credit).

General inquiries include:

Inquiries about (balances, fees, commissions, settling accounts, credit cards)

Inquiries about (loans, deposits, letters, other banking products and services, ""medium and small loans"")

Handling complaints (receiving customer complaints and taking the necessary action to address them as soon as possible)

Marketing and promoting individual’s products and services

Our Bank offers the National Bank of Iraq (NBI) Mobile Banking Application at no cost to all customers. Boasting an intuitive and modern interface, the application enables customers to manage their accounts and execute a wide array of financial transaction securely and conveniently, anytime, and anywhere. Through the application, customers can access the following services:  

 

•Communicate securely with the Bank through an encrypted messaging service for   
inquiries, support, and service requests.  
• Transfer funds between your own accounts held with the Bank quickly and conveniently.  
• Transfer money to other National Bank of Iraq customers with ease and efficiency.  
• Find nearby Bank branches and ATMs based on your location for convenient access to   
banking services.  
• Open and fund an additional savings account (Zanageen Account) and transfer funds to it   
electronically.  
• Settle credit card payments and conveniently monitor repayment activity.  
• Recharge Asiacell prepaid mobile lines and pay e-Psule Kurdistan Region electricity bills   
directly through the application.  
• Perform domestic and international money transfers securely and efficiently to a wide   
range of beneficiaries.  
• Send and receive Western Union money transfers within Iraq and internationally through   
a fast and secure process.  
• Update your registered email address directly through the application.  
• Update your registered mobile number to ensure uninterrupted access to notifications,   
security codes, and banking services.  

The National Bank of Iraq constantly seeks to provide the best services to its customers by providing various channels that provide these services in a method consistent with the directions of the bank and its position in the Iraqi market. And to ensure the provision of the latest banking services to customers, the bank worked on a new feature in the Iraqi banking market that facilitates the customer to make various purchases and use his mobile banking account through cooperation between the National Bank of Iraq and companies that provide electronic wallet services represented by (Zain Cash – Asia Hawala) to launch this service.

The feature of linking our customers' accounts with the e-wallet service has been provided to facilitate purchases, bill payments and the use of all services available in the e-Wallet.

For more information, call the NBI Contact Centre at:
07807777444
07717777444

Opening a Bank Account Through WhatsApp

At the beginning of 2022, our bank launched a new electronic service in the context of its relentless endeavour to provide the best electronic services with simple interface that facilitates service access to various customer segments. as Tawteen Iraqi customers are able now to open a bank account for the purposes of receiving the salary through the WhatsApp application in a smooth and fast way that contributes, to reducing the customer’s waiting time in the branch, and speeding up the procedures for opening the account and issuing the card in line with the instructions.

To open a new account, text Hala to 07807777444

Our bank provides a service that is the first of its kind in Iraq, issuing customers electronic statement of account for each customer separately and displayed clearly. At the end of each month, the bank sends a text message to each customer containing a link to their account statement. When customers click the link, they are requested to enter the customer number. After entering and confirming the customer number, the account statement is displayed on the customer’s screen with the ability to change the language, as it works in both Arabic and English, or download the statement in PDF file format.

Send and Receive Money Worldwide with Ease and Security

NBI offers Western Union services, enabling customers to send and receive international money transfers quickly and reliably through a global network spanning more than 200 countries and territories worldwide.

Service Features

Send money internationally with ease through the NBI mobile application or through authorized bank branches offering the service.

Access a broad global network that ensures funds reach beneficiaries wherever they are.

Receive cash transfers instantly from around the world through authorized NBI branches.

Enjoy fast, simple procedures backed by the highest standards of security and reliability.

How to Send Money through WU

Through the NBI Mobile Application

The customer must have an active Current Account or Savings Account with NBI.

Log in to the NBI mobile application.

Select the Western Union service available on the application's main interface.

Verify the sender’s information, which is preloaded within the application.

Enter the beneficiary’s complete information in the designated fields.

Enter the amount to be transferred. The application will automatically calculate and display the total amount, including the transfer amount and applicable service fees.

After confirming the information, an OTP (One-Time Password) will be sent via SMS. Enter the OTP in the application to authorize and complete the transaction successfully.

Upon completion, a confirmation screen displaying the transfer details will appear, which can be shared with the beneficiary for collection of the funds.

 

Through Authorized Bank Branches

Visit one of the authorized NBI branches offering Western Union services.

The customer must have an active Current or Savings Account with NBI and sufficient funds available for the transfer.

Provide the required sender information in accordance with the service terms and conditions.

Submit the required beneficiary identification documents, such as a passport, in accordance with the service terms and conditions.

Specify the transfer amount and destination country.

Obtain the Money Transfer Control Number (MTCN) and share it with the beneficiary to enable fund collection.

How to Receive money in WU

Visit the nearest authorized NBI branch offering Western Union services.

Present a valid identification document in accordance with the service terms and conditions.

Provide the Money Transfer Control Number (MTCN).

Receive the funds after verification of the transfer details.

Why NBI?

NBI is committed to providing world-class money transfer services through partnerships with leading international financial institutions, ensuring a fast, secure, and reliable banking experience that meets the needs of both individuals and businesses.