MyAccount Program
Welcome to the MyAccount Program, an innovative banking initiative by the Kurdistan Regional Government (KRG) aimed at simplifying salary distributions for its public sector employees through electronic channels. This forward-thinking program reflects KRG's commitment to a cashless economy, financial inclusion and enhanced financial security.
For employees across all public sectors in the Kurdistan Region, the MyAccount Program offers convenient access to salaries, eliminating the hassle of waiting in long queues. It represents a significant step forward for both the economic and digital landscapes in the region.
At BBAC, we are honored to be among the selected banks contributing to the success of this program. Our involvement highlights our dedication to fostering a modern, efficient, and transparent financial ecosystem in the region.
With BBAC, you will enjoy premium banking services tailored to your needs. From seamless account management through our secure electronic platforms to the ease of using our bank cards for everyday transactions and electronic payments, we have got your covered. Additionally, our extensive ATM network in Erbil and Sulaymaniyah ensures that banking services are always within reach.
Join us in embracing the future of banking with the MyAccount Program.
To view the full terms and conditions of MyAccount Program in Kurdish, please click here.
- MyAccount is a savings account where your salary is directly deposited, allowing you to make transactions and withdrawals, with the flexibility to access any amount of your salary at any time, provided it is within your account balance.
- MyAccount is linked to a debit card enabling you to make purchases locally and worldwide at points of sale or over the Internet, and to withdraw cash from ATMs.
- MyAccount at BBAC is open only to eligible public sector employees, specifically civil servants and Peshmerga personnel.
- Fees:
- Account opening fee: No fees
- BBAC ATM cash withdrawal fee: No fees
*0.4% fee (minimum 1,000 IQD) on cash withdrawals from other banks’ ATMs
- Balance inquiries and other non-cash transactions fees: No fees
- Monthly fees deducted from your salary: 2,000 IQD for salary transfer and 500 IQD for debit card issuance
- Transfer money to other accounts within BBAC or to different banks
*Subject to transaction limits and fees
- Benefit from a wide array of financial services like saving accounts, domestic and international transfers, and loans*.
*Eligibility for loans and credit facilities is subject to BBAC policies and individual credit assessments
- Check your account balance through BBAC’s ATM, Online or Mobile Banking, or by contacting Customer Care
- Receive instant SMS notification on salary day, notifying you that your salary has been transferred and is ready for withdrawal
- Withdraw cash from any ATM in Iraq and worldwide
*Withdrawal limits may vary depending on the bank
Below are the steps of how you can register in the MyAccount Program.
- Prepare your ID
In order to verify your identity during MyAccount Program registration, you are required to show one of the following two original ID combinations (no copies accepted) on the registration day:
a. Option 1: National ID Card + Karti Zanyari. Both documents must be presented.
b. Option 2: Civil ID + Citizenship Card + Karti Zanyari. All three documents must be presented.
- Register in the program
MyAccount Program registration will take place at the designated venue on the predefined dates (check onboarding schedule)
On those dates, MyAccount agents will be available on-site to help you register in the program.
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Choose BBAC as your bank from a list of participating banks in the MyAccount Program
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Collect your BBAC debit card
Once BBAC has processed your data and successfully opened an account for you, you will be issued a debit card. Your Accounting Unit will inform you promptly when the card is ready for collection.
Once you receive your debit card and PIN, follow the instructions provided with the card to activate it. You can then start using your account for transfers, POS transactions, and withdrawals.
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Stay informed about the MyAccount Program
To stay informed about updates and changes to the MyAccount Program, you can regularly check the official website
For additional questions about the MyAccount Program, you can contact your nearest BBAC branch, where customer service representatives are ready to provide assistance.
