Limits & Fees
Service Type
Fees
Limits
Register an individual wallet in minutes through the app
Free
1 Wallet per person
Wallet Capacity - Maximum wallet capacity
-
10,000,000 IQD
Cash-in through ZainCash agents
1,000 IQD
20,000,000 IQD Monthly
Cash-in from Visa or Mastercard issued in Iraq
Free
500,000 IQD Per Transaction / 5,000,000 IQD Monthly
Cash-in from National Bank of Iraq (NBI) Account
Free
10,000,000 IQD Monthly / 2,000,000 Per Transaction / 3,000,000 Per Day
Local Money Transfer
0.1%
2,500,000 IQD Monthly
Send money to other wallets (individual wallets)
0.5% (with min 300 IQD, max 2,500 IQD)
2,500,000 IQD Monthly
Send money to other wallets (merchant wallets)
0.5% (with min 300 IQD, max 10,000 IQD)
10,000,000 IQD Monthly
International Money Transfer - Send Western Union Transfer
Varies based on destination. Please check fees calculator on "ZainCash App" > "Western Union"
2,000,000 IQD Monthly
International Money Transfer - Receive Western Union Transfer
No fees on the receiver
No limit
Refund via Western Union
Free
No limit
Mobile top-up - Mobile Bill Payment - Postpaid - Top-up your mobile
-
2,000,000 IQD Monthly
Pay government bills such as electricity, housing funds, and more
No additional fees
10,000,000 IQD Monthly
Paying to ZainCash partners (Payment Gateway)
Free
10,000,000 IQD Monthly
Paying to ZainCash in app partners (Service Providers)
Free
5,000,000 IQD Monthly
Cash-out From Agents - Individual Wallet
0.7% deducted from wallet (750 IQD minimum)
5,000,000 IQD Daily / 10,000,000 IQD Monthly
Cash-out From Agents - National Bank of Iraq linked wallets
0.6% deducted from wallet (750 IQD minimum)
5,000,000 IQD Daily / 10,000,000 IQD Monthly
Cash-out From Agents - Salary Wallet
Free (up to 1,000,000 IQD, 0.5% fee applies if above)
5,000,000 IQD Daily / 10,000,000 IQD Monthly
Buy digital vouchers (PUBG, Razor, Apple, and more)
Free
500,000 IQD Daily / 5,000,000 IQD Monthly
Daily limit for purchasing Digital Goods
-
10 Daily
Monthly limit for purchasing Digital Goods
-
50 Monthly