ZainCash accounts & Wallets

ZainCash Wallets
What are the types of ZainCash wallets?
  • Individual Wallet
  • Business Wallet
  • Agent Wallet
What are the steps to change your wallet PIN "Forgot your PIN"?

You can reset your PIN through the login interface of the ZainCash app by selecting "Get a new PIN":

Enter your wallet number and select the type of ID (Civil ID, Iraq National Card, Passport, Beneficiaries Organization Card)
Enter the ID number
Then, the new PIN will be sent directly via SMS to your phone line.

What are ZainCash's business wallets?
  1. Merchant Wallet
  2. Small Merchant Wallet
  3. Corporate Wallet
  4. NGO Wallet
What is ZainCash customer wallet?

ZainCash Wallet is a licensed digital wallet account approved by the Central Bank of Iraq, allowing users to perform various financial transactions via the ZainCash mobile app.
You can quickly and easily activate an Individual Wallet through the ZainCash app and benefit from advanced electronic financial services such as:

Sending and receiving local money transfers within minutes
Depositing and withdrawing funds from thousands of agents quickly and easily
Online shopping from websites, apps, and social media store pages
Paying merchants and government bills
International money transfers via Western Union
Creating a virtual Visa card within minutes for online purchases and payments
Linking your National Bank of Iraq account to your wallet for cash withdrawals and access to all wallet services
Instantly topping up mobile balance and purchasing digital cards
Getting a MasterCard linked to your wallet, allowing you to manage it through the ZainCash app, fund it, and access many other features

Can I have more than one type of wallet?

According to the Central Bank’s regulations, it is not possible to activate more than one wallet using the same personal identification documents.

Permanent Wallet
How can I register and have a permanent wallet?

Download the ZainCash app from your phone's app store
Click on "Click here to register a new wallet" on the login screen
Enter the phone number you want to activate the wallet for and click “Next”
You will receive a verification code — enter it in the designated field
Follow the on-screen instructions to capture a live photo
Fill in the required information
Required Documents for Registration:
For Iraqi citizens:
Original, valid, and undamaged National Card
Original Residential Card
For non-Iraqi residents:
Original, valid, and undamaged Passport
Valid and undamaged Residency Permit
You can use the NFC scan feature (for supported devices), or skip this step
If your city or area does not appear in the dropdown list, select “Other”
If selecting relationship type “Wife, Husband, Son, Daughter”, you must attach the head of household’s National Card listed on the Residential Card
A “Review” screen will appear where you can review and edit your basic, personal, and address information, then click “Next”
Your registration request will be submitted and reviewed within hours
Upon approval, you will receive a text message containing your login credentia

Is there a validity period for the Permanent Wallet?

There is no validity period for the wallet, once the wallet is regiested, you can enjoy all its services for life.

But you must keep it active and do transactions (one transaction at least every 3 months)

What is the maximum balance allowed in an individual wallet?

10,000,000 Iraqi Dinars per month.