OPI Bank – Here for You, Every Step of the Way.

OPI Bank is a forward-thinking financial institution committed to delivering secure, innovative, and customer-focused banking solutions. Whether you're managing your personal finances or growing your business, OPI Bank offers a wide range of services tailored to meet your unique needs.

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Latest News on Us

Important Statement for Bank Users

OPI Bank would like to extend its sincere gratitude to all account holders, clients, partners, and stakeholders for their ongoing trust and support.

Bank Activities

In its commitment to growth and innovation, OPI Bank has recently signed a series of strategic contracts and financial agreements

Employee Enrollment in Kurdistan – “My Account” (Hisabi) Program

OPI Bank is actively participating in the Kurdistan Regional Government’s “My Account” (Hisabi) initiative

Latest Contract

In its commitment to growth and innovation, OPI Bank has recently signed a series of strategic contracts

Important News

In line with the Central Bank of Iraq’s (CBI) directives to enhance financial stability and banking sector resilience

WHO we are

As the demand for e-payment services worldwide increases, it has become necessary to provide the financial, banking, government, and other business sectors with the latest and most advanced technical solutions in order to help them manage and conduct their financial transactions – in compliance with safety, security and reliability standards. It is also equally important to present citizens with the best and simplest ways to execute easy and secure online payments and purchases – anytime, anywhere

For this purpose, in 2016, we launched Iraq Electronic Gate for Financial Services Company (Online Pay Iraq) to conduct, offer, and facilitate e-payment services across the country. Online Pay Iraq is registered as a national company in Iraq and licensed by the Central Bank of Iraq (CBI) as an Electronic Payment Service Provider under License No. 4, according to the provisions of Law No. 56 of 2004. Online Pay Iraq is also licensed by Mastercard International and Visa International as a Principal Member and by MoneyGram as a main dealer of international remittances. The scope of services extended

From our headquarters in Al-Jadriya, Baghdad, our technical, commercial, and financial specialists from the e-payment and IT sectors work efficiently and professionally, 24/7, to deliver to our clients the best, easiest, and most secure global e-payment practices and solutions.

We provide our services and solutions to banks, financial and non-financial institutions, companies, and merchants that utilize e-payment services in their daily businesses. We deploy a wide range of premium services that make it easier to conduct different online purchases via cards, e-wallets or mobile by coordinating with all relevant parties.

Personal banking services

1. Current Accounts

  • Eligibility: Iraqi citizens & residents (18+ years)
  • Types: Individual, joint, and minor accounts (under guardian supervision)
  • Required Documents (for Iraqis):
    -National ID
    – Residency card
    – Civil status ID
    – Two recent personal photos

2. Deposit Accounts

  • Similar documentation and eligibility as current accounts
  • Allows saving or fixed deposits for individuals or minors

3. Local Transfers

  • 24/7 service via mobile app and website
  • Send money instantly across Iraq
  • Easy, secure, and efficient transfer process
  • Real-time transaction tracking

Card Services

OPI Bank issues a range of cards:

  • Debit Cards: Linked directly to current accounts
  • Prepaid Cards: Loadable with custom amounts; great for travel or budgeting
  • Credit Cards (where applicable)
  • Networks: Mastercard and Visa
  • Features:
    – Smart chip + contactless support
    – High security
    – Usable both domestically and internationally (depending on type)

Business & Institutional Services For Banks & Financial Institutions

OPI supports digital infrastructure for:

  • Payment gateways
  • Card issuance and management
  • Secure fund transfers
  • Wallet services
  • API integrations for custom solutions

our
focus

Our Vision: To play a pivotal role in transforming the e-payment system in Iraq and drive the nation towards a cashless economy.

Objectives:

To be the pioneering e-payment platform and preferred choice for clients across different sectors by offering various segments of society and multi-sized government and private institutions class-leading products and services that cater to different business needs at the lowest costs.
Our Mission: To provide Iraqi citizens with facilitated access to an innovative, secure, convenient, and affordable e-payment platform.

What are you waiting for?

want to shape your future ?

Ready to enjoy modern, secure, and accessible banking? Our team is here to help you open an account and explore the full range of OPI Bank’s services.

We offer various types of e-vouchers and gift cards from stores like iTunes, Google Play, PlayStation, PUBG, Facebook, Skype, and others. These e-vouchers can be purchased directly through the Online Pay Iraq App, which sends in-app notifications to users upon the completion of a purchase.

Additionally, consumers can gift cards and e-vouchers to family and friends through an SMS sent to their mobile number, as well as track previously-bought e-vouchers through a special icon in the Online Pay Iraq App.

Our Security Standards: We aim to provide the highest security levels and deploy cutting-edge technology solutions in compliance with internationally-adopted security protocols and information security standards that protect user rights and their related information. In addition to receiving the ISO 27001 international standard and other information security certificates of importance to organizations that deal with sensitive cardholder data, e-wallets, ATMs and points of sale, we obtained both the Payment Card Industry Data Security Standard (PCI DSS) certification and the PCI 3DS Core Security Standard certification, which are granted by the PCI Security Standards Council (PCI SSC). Besides positioning us as the first e-payment company in Iraq to hold both standards simultaneously, these certifications reflect our unwavering commitment to adopting reliable and secure measures and adhering to stringent security guidelines that safeguard cardholder data, so that our clients enjoy secure payment services wherever they may be.