OPI Bank would like to extend its sincere gratitude to all account holders, clients, partners, and stakeholders for their ongoing trust and support. In light of recent changes in the banking sector, digital transformation efforts, and increased customer activity, the bank has issued this important statement to ensure that all users are well-informed, protected, and empowered in their financial activities.

Security and Customer Protection

Your safety is our top priority. OPI Bank continues to invest in advanced cybersecurity systems to protect your financial data and personal information from fraud, phishing attacks, and unauthorized access.

What this means for you:

• All digital transactions are now protected by multi-factor authentication.

• End-to-end encryption is used across all online and mobile banking platforms.

• We conduct regular security audits and vulnerability testing to stay ahead of emerging threats.

• Customers are immediately notified of any suspicious account activity through SMS and push alerts.

What you should do:

• Never share your online banking password, OTP (one-time password), or ATM PIN with anyone.

• Only use official bank communication channels (e.g., official website, verified email, or mobile app).

• Report any unusual activity or messages that claim to be from the bank via our 24/7 customer support line.

Digital Banking Usage Encouraged

To reduce congestion in branches and enhance convenience, customers are encouraged to use OPI Bank’s digital platforms for everyday banking services such as:

• Checking account balances and statements.

• Transferring money domestically or internationally.

• Paying utility bills, school fees, and government charges.

• Applying for loans or updating account information.

• Scheduling appointments or requesting support.

Using our app or online portal saves time, reduces paperwork, and offers greater control over your finances.

If you haven’t downloaded the OPI Bank mobile app yet, it’s available for both Android and iOS. We recommend you activate it today and register your device for seamless future logins.

Upcoming Service Improvements

OPI Bank is currently working on the following enhancements, which will soon be available to users:

• Live queue monitoring at branches: Check wait times at nearby branches before you go.

• Virtual queue system: Reserve your place in line digitally and arrive at your appointment time.

• Smart ATMs: Deposits, bill payments, and cardless withdrawals directly from smart ATMs.

• Kurdish-language customer service hotline, in addition to Arabic and English.

User Responsibilities and Terms Update

As part of our modernization and regulatory compliance initiatives, some terms and conditions have been updated. All users are advised to:

• Log in to their online account to review the updated User Agreement & Data Privacy Policy.

• Accept the new digital terms via the app or online platform to continue using digital services.

• Update their personal information (especially mobile number and email) to avoid service interruptions.

Customer Support and Contact Channels

We’ve enhanced our support team and now offer customer service via:

• 24/7 phone support: Local and toll-free lines.

• Live chat in the mobile app and website.

• Email support with guaranteed response within 24 hours.

• In-person assistance at designated digital help desks in all major branches.

For urgent inquiries or fraud reports:
📞 Hotline: 800-OPI-BANK
📧 Email: support@opibank.com
🌐 Website: www.opibank.com

Final Message to Our Valued Users

“At OPI Bank, your trust is our greatest asset. We are here to serve you with integrity, speed, and innovation. As we grow, we remain deeply committed to protecting your finances, listening to your needs, and building a future where banking is simple, secure, and accessible to all.”

Thank you for banking with OPI Bank.
Together, we are shaping the future of finance in Kurdistan and Iraq.