| Al Janoob Islamic Bank 2026 Banking Services Tariff |
| Bank-Wide Banking Services Tariff |
| No. |
Service / Product |
Service Fee (If Applicable) |
Remarks / Notes |
| 1 |
Bank Account Opening – Individuals (Current Account / Savings Account / Investment Deposit Account) |
Free of Charge |
No Fees |
| 2 |
Payroll Account Opening |
Free of Charge |
No Fees |
| 3 |
Bank Account Opening – Company Under Incorporation (Based on the Companies Registrar Letter) |
IQD 25,000 |
Charged upon account opening |
| 4 |
Bank Account Opening – Companies & Offices |
IQD 25,000 |
Charged upon account opening |
| 5 |
Account Closure Fee |
Free of Charge |
No Fees |
| 6 |
Combined Account Maintenance Fee and Salary Credit Processing Fee for Payroll Localization Beneficiaries (Public & Private Sectors) |
IQD 2,000 |
Monthly |
| 7 |
Account Maintenance Fee – Individuals (Non-Payroll Localization Accounts) |
IQD 25,000 |
Annually |
| 8 |
Account Maintenance Fee – Companies & Offices (Non-Payroll Localization Accounts) |
IQD 50,000 |
Annually |
| 9 |
Dormant Account Reactivation Fee – Individuals |
IQD 10,000 |
|
| 10 |
Dormant Account Reactivation Fee – Companies & Offices |
IQD 25,000 |
|
| 11 |
Closed Account Reactivation Fee – Individuals |
Free of Charge |
Account Opening Fee Applies |
| 12 |
Closed Account Reactivation Fee – Companies & Offices |
IQD 25,000 |
|
| 13 |
Customer Banking Relationship Confirmation Letter – Individuals / Payroll Accounts |
IQD 15,000 |
|
| 14 |
Customer Banking Relationship Confirmation Letter – Companies |
IQD 75,000 |
|
| 15 |
25-Leaf Chequebook Issuance Fee – Individuals |
IQD 30,000 |
|
| 16 |
50-Leaf Chequebook Issuance Fee – Individuals |
IQD 50,000 |
|
| 17 |
25-Leaf Chequebook Issuance Fee – Companies & Offices |
IQD 30,000 |
|
| 18 |
50-Leaf Chequebook Issuance Fee – Companies & Offices |
IQD 50,000 |
|
| 19 |
Stop Payment Order Fee (Lost / Stolen / Damaged Cheque) – Individuals |
IQD 25,000 |
Per Request, Regardless of Number of Cheques |
| 20 |
Stop Payment Order Fee (Lost / Stolen / Damaged Cheque) – Companies & Offices |
IQD 50,000 |
Per Request, Regardless of Number of Cheques |
| 21 |
Returned Cheque Fee Due to Insufficient Funds (Charged to Drawer) – Individuals & Companies |
IQD 25,000 |
|
| 22 |
Cheque Protest Certificate Issuance Fee – Individuals |
IQD 5,000 |
Waived if the Cheque Amount is Less than IQD 100,000 |
| 23 |
Cheque Protest Certificate Issuance Fee – Companies & Offices |
IQD 10,000 |
Waived if the Cheque Amount is Less than IQD 200,000 |
| Fixed Deposits / Investment Deposits |
| 1 |
Investment / Fixed Deposit Account Opening Fee |
Free of Charge |
No Fees |
| 2 |
Investment / Fixed Deposit Renewal Fee |
Free of Charge |
No Fees |
| 3 |
Early Termination of Investment / Fixed Deposit |
Free of Charge |
No Fees |
| Financial Transactions – Cash Deposits (Over the Counter or Through Cash Deposit Machines) |
| 1 |
Cash Deposit (IQD 50,000 Notes) |
IQD 1,000 |
Per Bundle or Part Thereof |
| 2 |
Cash Deposit (IQD 25,000 Notes) |
IQD 2,000 |
Per Bundle or Part Thereof |
| 3 |
Cash Deposit (IQD 10,000 Notes) |
IQD 5,000 |
Per Bundle or Part Thereof |
| 4 |
Cash Deposit (IQD 5,000 Notes) |
IQD 20,000 |
Per Bundle or Part Thereof |
| 5 |
Cash Deposit (IQD 1,000 Notes) |
IQD 25,000 |
Per Bundle or Part Thereof |
| 6 |
Cash Deposit (IQD 500 Notes) |
IQD 30,000 |
Per Bundle or Part Thereof |
| 7 |
Cash Deposit (IQD 250 Notes) |
IQD 35,000 |
Per Bundle or Part Thereof |
| Financial Transactions – Cash Withdrawals |
| 1 |
Cash Withdrawal (IQD) at Account-Holding Branch – Individuals |
Free of Charge |
|
| 2 |
Cash Withdrawal (IQD) at Account-Holding Branch – Companies |
Free of Charge |
|
| 3 |
Cash Withdrawal (IQD) from Another Branch within the Same Governorate – Individuals |
Free of Charge |
|
| 4 |
Cash Withdrawal (IQD) from Another Branch within the Same Governorate – Companies |
Free of Charge |
|
| 5 |
Cash Withdrawal (IQD) from a Branch in Another Governorate – Individuals |
0.001 |
1‰ (One per Thousand), Minimum IQD 25,000 |
| 6 |
Cash Withdrawal (IQD) from a Branch in Another Governorate – Companies |
0.001 |
1‰ (One per Thousand), Minimum IQD 50,000 |
| Financial Transactions – Account Transfers |
| 1 |
Transfer Between the Customer's Own Accounts Within the Same Branch or Another Branch |
Free of Charge |
No Fees |
| 2 |
Transfer Between the Customer's Own Accounts Across Different Governorates |
0.001 |
Minimum IQD 25,000 Charged to the Beneficiary |
| 3 |
Transfer Between Different Customers' Accounts Within the Same Branch |
0.00025 |
Minimum IQD 5,000 Charged to the Beneficiary |
| 4 |
Transfer Between Different Customers' Accounts Within Baghdad |
0.00025 |
Minimum IQD 10,000 Charged to the Beneficiary |
| Financial Transactions – Account Transfers (Continued) |
| 5 |
Transfer Between Different Customers' Accounts Across Branches in Different Governorates |
0.001 |
Minimum IQD 25,000 Charged to the Beneficiary |
| Financial Transactions – Certified Cheques & Bank Drafts |
| 1 |
Certified Cheque Issuance Fee – Less than IQD 1 Million |
IQD 35,000 |
|
| 2 |
Certified Cheque Issuance Fee – More than IQD 1 Million up to IQD 10 Million |
IQD 50,000 |
|
| 3 |
Certified Cheque Issuance Fee – More than IQD 10 Million up to IQD 25 Million |
IQD 75,000 |
|
| 4 |
Certified Cheque Issuance Fee – More than IQD 25 Million |
IQD 100,000 |
|
| 5 |
Bank Draft Issuance Fee – Less than IQD 1 Million |
IQD 25,000 |
Stamp Duty of 0.003 Applies |
| 6 |
Bank Draft Issuance Fee – More than IQD 1 Million and Less than IQD 10 Million |
IQD 40,000 |
Stamp Duty of 0.003 Applies |
| 7 |
Bank Draft Issuance Fee – More than IQD 10 Million up to IQD 25 Million |
IQD 60,000 |
Stamp Duty of 0.003 Applies |
| 8 |
Bank Draft Issuance Fee – More than IQD 25 Million |
IQD 75,000 |
Stamp Duty of 0.003 Applies |
| 9 |
Cheque Cancellation Fee |
IQD 5,000 |
|
| 10 |
Certified Cheque / Bank Draft Cancellation Fee |
IQD 10,000 |
|
| Financial Transactions – International Transfers via SWIFT |
| 1 |
Outgoing SWIFT Transfer Fee – Individuals |
As Agreed |
|
| 2 |
Outgoing SWIFT Transfer Fee – Companies |
As Agreed |
|
| 3 |
SWIFT Charges |
USD 100 |
|
| 4 |
Non-Financial SWIFT Message Fee (Confirmation, Inquiry, Cancellation, Amendment) |
USD 25 |
Applicable Only Upon Customer Request |
| 5 |
Incoming SWIFT Transfer Fee – Individuals |
0.001 |
Minimum USD 10 |
| 6 |
Incoming SWIFT Transfer Fee – Companies |
0.001 |
Minimum USD 20 |
| Credit Facilities Fees |
| 1 |
Document Authentication Fee – Within the Same Governorate |
IQD 50,000 |
N/A |
| 2 |
Document Authentication Fee – Outside the Governorate |
IQD 75,000 |
N/A |
| 3 |
Site Inspection Fee for Small & Medium Projects – Within the Same Governorate |
IQD 100,000 |
N/A |
| 4 |
Site Inspection Fee for Small & Medium Projects – Outside the Governorate |
IQD 200,000 |
N/A |
| 5 |
Site Inspection Fee for Large Projects – Within the Same Governorate |
IQD 250,000 |
N/A |
| 6 |
Site Inspection Fee for Large Projects – Outside the Governorate |
IQD 500,000 |
N/A |
| 7 |
Property Site Inspection Fee – Within the Same Governorate |
IQD 100,000 |
N/A |
| 8 |
Property Site Inspection Fee – Outside the Governorate |
IQD 200,000 |
N/A |
| 9 |
Mortgage Release Letter Issuance Fee – Within the Same Governorate |
IQD 50,000 |
N/A |
| 10 |
Mortgage Release Letter Issuance Fee – Outside the Governorate |
IQD 100,000 |
N/A |
| 11 |
Credit Inquiry Fee |
IQD 15,000 |
N/A |
| 12 |
Individual Credit Facility Processing Fee |
0.50% |
Maximum IQD 30,000,000 |
| 13 |
Corporate Credit Facility Processing Fee |
0.50% |
Maximum IQD 30,000,000 |
| 14 |
Administrative Fee for Funded and Non-Funded Credit Facilities (Individuals & Companies) |
0.003 |
Minimum IQD 250,000 |
| 15 |
Clearance Certificate Issuance Fee – Payroll Individuals |
Free of Charge |
No Fees |
| 16 |
Clearance Certificate Issuance Fee – Individuals |
IQD 25,000 |
Flat Fee |
| 17 |
Clearance Certificate Issuance Fee – Companies & Offices |
IQD 100,000 |
Flat Fee |
| 18 |
International Commodity Purchase Fee for Murabaha Financing Product (Islamic Banking) |
IQD 75,000 |
Flat Fee |
| Financial Capability Letter Fees |
| 1 |
Financial Capability Letter – Less than IQD 1,000,000,000 |
IQD 5,000,000 |
|
| 2 |
Financial Capability Letter – IQD 1,000,000,000 to IQD 5,000,000,000 |
IQD 10,000,000 |
|
| 3 |
Financial Capability Letter – IQD 5,000,000,001 to IQD 10,000,000,000 |
IQD 15,000,000 |
|
| 4 |
Financial Capability Letter – IQD 10,000,000,001 to IQD 15,000,000,000 |
IQD 20,000,000 |
|
| 5 |
Financial Capability Letter – IQD 15,000,000,001 to IQD 20,000,000,000 |
IQD 25,000,000 |
|
| 6 |
Financial Capability Letter – IQD 20,000,000,001 to IQD 25,000,000,000 |
IQD 30,000,000 |
|
| 7 |
Financial Capability Letter – IQD 25,000,000,001 to IQD 30,000,000,000 |
IQD 35,000,000 |
|
| 8 |
Financial Capability Letter – Above IQD 30,000,000,000 |
Same Calculation as Above |
Plus IQD 1,000,000 for Each Additional IQD 1 Billion |
| 9 |
Financial Capability Letter Cancellation Fee |
IQD 250,000 |
|
| Financing Plan Fees |
| 1 |
Financing Plan Preparation Letter Fee |
IQD 15,000,000 |
Flat Fee for All Amounts |
| Financing Plan Fees (Continued) |
| 2 |
Financing Plan Issuance Fee – Less than IQD 1,000,000,000 |
IQD 5,000,000 |
|
| 3 |
Financing Plan Issuance Fee – IQD 1,000,000,000 to IQD 5,000,000,000 |
IQD 15,000,000 |
|
| 4 |
Financing Plan Issuance Fee – IQD 5,000,000,001 to IQD 10,000,000,000 |
IQD 20,000,000 |
|
| 5 |
Financing Plan Issuance Fee – IQD 10,000,000,001 to IQD 15,000,000,000 |
IQD 25,000,000 |
|
| 6 |
Financing Plan Issuance Fee – IQD 15,000,000,001 to IQD 20,000,000,000 |
IQD 30,000,000 |
|
| 7 |
Financing Plan Issuance Fee – IQD 20,000,000,001 to IQD 25,000,000,000 |
IQD 35,000,000 |
|
| 8 |
Financing Plan Issuance Fee – IQD 25,000,000,001 to IQD 30,000,000,000 |
IQD 40,000,000 |
|
| 9 |
Financing Plan Issuance Fee – Above IQD 30,000,000,000 |
Same Calculation as Above |
Plus IQD 1,000,000 for Each Additional IQD 1 Billion |
| 10 |
Financing Plan Cancellation Fee |
IQD 500,000 |
|
| Letter of Guarantee (LG) Fees |
| 1 |
Domestic Bid Bond Issuance Fee – 15% Cash Margin |
0.006 |
Minimum IQD 250,000 |
| 2 |
Domestic Bid Bond Issuance Fee – 25% Cash Margin |
0.005 |
Minimum IQD 250,000 |
| 3 |
Domestic Bid Bond Issuance Fee – 50% Cash Margin |
0.004 |
Minimum IQD 250,000 |
| 4 |
Domestic Bid Bond Issuance Fee – 75% Cash Margin |
0.0035 |
Minimum IQD 250,000 |
| 5 |
Domestic Bid Bond Issuance Fee – 100% Cash Margin |
0.003 |
Minimum IQD 250,000 |
| 6 |
Domestic Performance Guarantee Issuance Fee – 15% Cash Margin |
0.006 |
Minimum IQD 250,000 |
| 7 |
Domestic Performance Guarantee Issuance Fee – 25% Cash Margin |
0.0055 |
Minimum IQD 250,000 |
| 8 |
Domestic Performance Guarantee Issuance Fee – 50% Cash Margin |
0.0045 |
Minimum IQD 250,000 |
| 9 |
Domestic Performance Guarantee Issuance Fee – 75% Cash Margin |
0.004 |
Minimum IQD 250,000 |
| 10 |
Domestic Performance Guarantee Issuance Fee – 100% Cash Margin |
0.0035 |
Minimum IQD 250,000 |
| 11 |
Domestic Advance Payment Guarantee Issuance Fee – 25% Cash Margin |
0.006 |
Minimum IQD 250,000 |
| 12 |
Domestic Advance Payment Guarantee Issuance Fee – 50% Cash Margin |
0.005 |
Minimum IQD 250,000 |
| 13 |
Domestic Advance Payment Guarantee Issuance Fee – 75% Cash Margin |
0.0045 |
Minimum IQD 250,000 |
| 14 |
Domestic Advance Payment Guarantee Issuance Fee – 100% Cash Margin |
0.004 |
Minimum IQD 250,000 |
| 15 |
Foreign Letter of Guarantee Issuance Fee |
N/A |
Same Fees as Domestic Letters of Guarantee |
| 16 |
Domestic Letter of Guarantee Extension Fee |
Same as Issuance Fee |
Same as Issuance Fee |
| 17 |
Foreign Letter of Guarantee Extension Fee |
Same as Issuance Fee |
Same as Issuance Fee |
| 18 |
Letter of Guarantee Amendment Fee |
IQD 100,000 |
|
| 19 |
Domestic Letter of Guarantee Cancellation Fee |
IQD 100,000 |
|
| 20 |
Foreign Letter of Guarantee Cancellation Fee |
IQD 100,000 |
|
| 21 |
Letter of Guarantee Forms Fee |
IQD 100,000 |
|
| 22 |
Stamp Duty |
0.003 |
As per Ministry of Finance Regulations |
| Documentary Credit (Letter of Credit) Fees |
| 1 |
Documentary Credit (Letter of Credit) Opening / Issuance Fee |
Minimum 2% – Maximum 4% |
Per Annum |
| 2 |
Drawing / Payment Guarantee Fee for Deferred Payment Letters of Credit |
Minimum 2% – Maximum 4% |
Per Annum |
| 3 |
Financial Amendment Fee (Extension of Validity / Increase in L/C Amount) |
Minimum 2% – Maximum 4% |
Per Annum |
| 4 |
Correspondent Bank Charges |
As Agreed |
|
| 5 |
Shipping Documents Handling Fee / Documentary Overdraft |
USD 50 |
Per Document |
| 6 |
Delivery Order / Endorsement of Documents / Shipping Guarantee Fee |
USD 25 |
|
| 7 |
Communication / Courier Charges |
USD 100 |
|
| 8 |
Cargo Insurance Fee |
0 |
|
| 9 |
Document Retention Fee |
USD 100 |
Charged One Month After Written Customer Notification |
| 10 |
Document Negotiation Fee |
As Agreed |
|
| 11 |
Documentation Fee |
USD 80 |
|
| 12 |
Documentary Credit (Letter of Credit) Cancellation Fee |
USD 100 |
|
| Incoming Documentary Credits |
| 1 |
Incoming Documentary Credit Transfer Fee |
As Agreed |
|
| 2 |
Incoming Documentary Credit Advising Fee |
Confirmed: 0.002 Unconfirmed: 0.001 (or as agreed) |
|
| 3 |
Financial Amendment Fee (Extension / Increase in Amount) |
0.001 |
|
| 4 |
Incoming Documentary Credit Confirmation Fee |
5% |
|
| Incoming Documentary Credits (Continued) |
| 5 |
Non-Financial Amendment Fee for Documentary Credit |
USD 150 |
|
| 6 |
Document Negotiation Fee |
As Agreed |
|
| 7 |
Incoming Documentary Credit Cancellation Fee |
USD 100 |
|
| 8 |
Documentary Credit Funding Fee |
As Agreed |
|
| 9 |
Assignment of Proceeds Fee |
As Agreed |
|
| 10 |
Discrepant Documents Handling Fee |
USD 100 |
|
| 11 |
Drawing Guarantee Fee for Confirmed Incoming Documentary Credits |
As Agreed |
|
| Financial Transactions – Real Time Gross Settlement (RTGS) Transfers via the Iraqi Payment System |
| 1 |
Outgoing RTGS Transfer Fee (IQD) |
0.002 |
Minimum IQD 25,000 |
| 2 |
Incoming RTGS Transfer Fee (IQD) |
0.001 |
Minimum IQD 5,000 |
| 3 |
RTGS Transfer Form Fee |
IQD 40,000 |
Flat Fee |
| 4 |
Other Banking Charges |
IQD 8,000 |
Flat Fee |
| 5 |
RTGS Transfer Amendment Fee |
IQD 50,000 |
Upon Customer Request |
| Financial Transactions – Incoming ACH Credit Transfers (CT) |
| 1 |
Incoming ACH Credit Transfer Fee (IQD) |
0.001 |
Minimum IQD 5,000 |
| 2 |
ACH Credit Transfer Amendment Fee |
IQD 50,000 |
Upon Customer Request |
| Financial Transactions – Outgoing ACH Credit Transfers (CT) |
| 1 |
Outgoing ACH Credit Transfer Fee (IQD) |
0.002 |
Minimum IQD 25,000 |
| 2 |
ACH Transfer Form Fee |
IQD 40,000 |
Flat Fee |
| 3 |
ACH Credit Transfer Amendment Fee |
IQD 50,000 |
Upon Customer Request |
| Financial Transactions – Clearing Cheques via ACH |
| 1 |
Clearing Cheque Deposit Fee (Less than IQD 10 Million) |
IQD 10,000 |
|
| 2 |
Clearing Cheque Deposit Fee (More than IQD 10 Million up to IQD 25 Million) |
IQD 15,000 |
|
| 3 |
Clearing Cheque Deposit Fee (More than IQD 25 Million up to IQD 100 Million) |
IQD 25,000 |
|
| 4 |
Clearing Cheque Deposit Fee (Above IQD 100 Million) |
IQD 50,000 |
|
| Financial Transactions – Incoming Clearing Cheques via ACH |
| 1 |
Incoming Clearing Cheque Fee |
0.001 |
Minimum IQD 25,000 |
| Payroll Localization Services |
| 1 |
Payroll Localization Service – Public Sector |
Free of Charge |
|
| 2 |
Payroll Localization Service – Private Sector |
Free of Charge |
|
| 3 |
Salary Credit Processing Fee – Public Sector |
IQD 2,000 |
Monthly |
| 4 |
Salary Credit Processing Fee – Private Sector |
IQD 2,000 |
Monthly |
| 5 |
Crediting Bonuses, Incentives, Allowances, Expenses, etc. – Public Sector |
As Agreed |
|
| 6 |
Crediting Bonuses, Incentives, Allowances, Expenses, etc. – Private Sector |
As Agreed |
|
| Electronic Payment Services Fees |
| 1 |
Debit Card Issuance Fee – Public & Mixed Sector Payroll Accounts |
IQD 5,000 |
Classic Card |
| 2 |
Debit Card Issuance Fee – Private Sector Payroll Accounts |
IQD 5,000 |
Classic Card |
| 3 |
Debit Card Issuance Fee – Individuals |
Classic: IQD 5,000 |
|
| 4 |
Debit Card Issuance Fee – Companies |
Classic: IQD 25,000 |
|
| 5 |
Card Renewal Fee |
Classic: IQD 5,000 |
Upgrade from Platinum to Platinum QI Card: IQD 75,000 |
| 6 |
Classic Card Replacement Fee (Issuer Responsibility) |
IQD 5,000 |
Replacement Due to Issuer's Fault |
| 7 |
Classic Card Replacement Fee (Customer Responsibility) |
IQD 25,000 |
Replacement Due to Customer's Request or Fault |
| 8 |
Platinum / Platinum QI Card Replacement Fee |
IQD 40,000 |
|
| 9 |
PIN Reissuance Fee |
IQD 3,000 |
|
| 10 |
Card Transaction SMS Notification Service |
Free of Charge |
No Fees |
| 11 |
Annual Card Maintenance Fee |
Free of Charge |
No Fees |
| 12 |
ATM Cash Withdrawal Fee (Account Currency) |
0.004 |
No Minimum Charge |
| 13 |
POS Cash Withdrawal Fee (Account Currency) |
0.006 |
No Minimum Charge |
| 14 |
ATM Mini Statement / Account Statement Fee |
Free of Charge |
No Fees |
| 15 |
Purchase Transactions via POS (Account Currency) |
Free of Charge |
No Fees |