Note:
The commissions vary based on the type of Islamic financing product.

Note:

• Consecutive fraudulent transactions for withdrawals or purchases resulting from card data copying, card loss, or PIN theft via the Internet are considered as a single transaction. A single commission will be applied. If the bank incurs any additional commissions due to disputes with international companies (Visa/MasterCard) or through the national switchboard or the bank’s card operator, the differences will be charged to the customer, and the objection commission will be considered to a minimum.
• The objection commission covers (Internet transactions, external purchases, and ATM withdrawals outside the national switchboard).
• Transactions’ rate are according to the official exchange rate approved by the Central Bank of Iraq.
• The electronic payment commission for all collection operations is processed through GATEWAY payment gateways, POS points of sale, and various electronic channels.
• Emphasis on not dividing sales by the merchant.
• The receiver bears the electronic payment commissions from both the public and private sectors, while the payer will not bear any commissions for electronic payments.