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.