Frequently Asked Questions

Salaries are typically credited on the 28th of each month, following the official schedule announced by the Ministry of Finance. For any changes, we publish announcements at all branch locations. You can also check the "Official Announcements" section on our main page.

Opening an account is straightforward — all done in person:

• Visit any Azmar Bank branch with your national ID and employment verification (ministry card or official letter).
• Fill out the salary account application form at the branch.
• Receive your account number instantly – your salary will be directed to this account.

We also offer on-site support for employees from partner government institutions.

Absolutely. Every salary account comes with a free ATM card, issued at your branch. You can withdraw from any of our 50+ ATM locations across the region, with zero fees for Azmar Bank ATMs. Our network is growing — see our Branches & ATMs page for the nearest machine.

Delays are rare due to our government-backed systems. If a delay occurs, we immediately notify affected employees via SMS and post updates at branches. You can also contact our dedicated salary support line at +964 (0) 123 456 789 or visit your home branch.

We provide:

• Salary accounts (for public employees, no minimum balance).
• Savings accounts with profit sharing.
• Current accounts for daily transactions.
• Joint accounts for families.

All accounts are government-insured and Sharia-compliant. To open an account, please visit any branch with your identification.

You can check your balance in the following ways:

• At any Azmar Bank ATM using your card.
• By visiting your home branch and speaking with a teller.
• By calling our customer service during working hours.

Passbook updates are also available at all branches.

No, salary accounts for government employees are completely free of monthly maintenance fees. ATM withdrawals from our network are also free. Nominal charges may apply for international transfers or replacement cards – details are available at branches.

We offer salary-based loans for public employees, as well as financing for businesses and institutions. All loan applications are processed in-branch. Our products include:

• Personal salary loans (up to 50 million IQD).
• Home improvement financing.
• Vehicle loans for government employees.
• Corporate credit lines for institutions.

Eligibility: you must have a salary account with Azmar Bank for at least 6 months. Then:

• Visit a branch with your ID and salary statement.
• Our officer will calculate your maximum financing based on net salary.
• Approval is usually within 2-3 working days.

You can also start the process by calling our loan department or visiting any branch.

As a government financial institution, we follow transparent, regulated rates. Our salary loans are offered with a low, fixed profit rate (Islamic financing principles). Please ask for a personalized simulation at any branch — we provide full disclosure with no hidden charges.

Immediately block your card by calling our 24/7 helpline: +964 770 123 4567. You can also visit any branch during working hours to request a replacement. A nominal fee may apply for reissuance. A new card will be issued at the branch.

Most of our ATMs operate 24/7. Some located inside government compounds may follow building hours. Check our ATM locator for specific timings. All machines are monitored and regularly refilled.

Yes, passbooks are available for savings and salary accounts. You can get them updated at any branch. Monthly paper statements can also be requested at the teller counter.

Yes, Azmar Bank offers corporate accounts for businesses, contractors, and institutions. You’ll need commercial registration, tax ID, and authorized signatories. Please visit our main corporate branch or contact our Corporate Banking division at corporate@azmarbank.com to schedule an appointment.

We operate under direct oversight of the Ministry of Finance and the Central Bank of Iraq. Regular audits, compliance checks, and transparent reporting guarantee that public funds are handled with the highest integrity. Our systems align with all official financial regulations.

Absolutely. We partner with government ministries and large public organizations to provide seamless salary distribution for thousands of employees. Our dedicated institutional team meets with representatives in person. Please contact our head office to arrange a meeting.