Tawteen
Salary transfer Service
Where Your Salary Unlocks Integrated Banking Solutions
Tawteen is Bank of Baghdad’s salary transfer service, designed for public and private sector employees who seek a simpler, smarter way to manage their income and access financial solutions.
By transferring your monthly salary to Bank of Baghdad, you unlock a complete banking relationship that goes beyond receiving your salary, offering digital convenience, preferential loan access, and reliable financial support for every stage of your life.
What Is Tawteen?
Tawteen is a salary account that allows employees to receive their monthly salaries through Bank of Baghdad under an agreement with their employer.
The service is available for both public and private sector employees across Iraq and provides a zero-balance current account supported by modern digital banking services.
Key Benefits
- Free salary account opening
- Zero-balance current account
- Free debit card (issued for the first time, valid for 5 years)
- Free mobile banking app and internet banking
- Free SMS notifications
- Free ATM withdrawals at Bank of Baghdad ATMs
- Seamless salary transfers on a monthly basis
- Access to preferential loan programs linked to salary transfer
Loan Benefits for Tawteen Customers
With Tawteen, your salary becomes your financial strength. Customers benefit from dedicated loan solutions with competitive terms:
- Loan amount: up to IQD 50,000,000
- Interest rate: 5.5% fixed
- Loan tenor: up to 6 years (72 monthly installments)
- Debt burden: up to 50% of net monthly salary, Including up to 25% of monthly incentives
- No guarantor required
- Life insurance: free of charge
- Fast-track approval and simplified documentation give Tawteen customers quicker access to financing compared to standard market offerings.
Fees & Charges
- Salary account opening: Free
- Monthly salary service fee: IQD 2,000 (as per Central Bank of Iraq regulations)
- Account statement: Free
- Cash withdrawal from Bank of Baghdad branches: Free
- Cash withdrawal from other banks or outlets: As per Central Bank of Iraq instructions
Who Is Tawteen For?
- Public sector employees (ministries, universities, state entities)
- Private sector employees (corporates, SMEs, hospitals, schools, telecom, oil & gas services)
- Salaried individuals aged between 22 and 60
- Employees seeking secure income management and easier access to financing
Why Choose Tawteen?
One salary transfer gives you access to a complete financial ecosystem:
- Faster loan approvals
- Higher financing limits backed by salary
- Simple procedures
- Digital and branch-based support
- One relationship, multiple banking solutions
Get Started Today
Transfer your salary to Bank of Baghdad and turn your monthly income into real financial opportunities.
