Limits and Fees

Individual Wallet
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 1,500,000 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 calculater on "ZainCash App" > "Western Union" 2,300,000 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 0.5% deducted from wallet (500 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 300,000 IQD Daily / 5,000,000 IQD Monthly
Daily limit for purchasing Digital Goods - No limit
Monthly limit for purchasing Digital Goods - No limit
Mastercard (WalletCard/Platinum)
Service Type Fees Limits
Mastercard price Free + 5,000 IQD (Delivery Fees) 1 Card per user
Platinum Mastercard price 50,000 + 5,000 IQD (Delivery fee) 1 Card per user
Maximum card balance - 20,000,000 IQD
Mastercard Top-Up Free 10,000,000 IQD Per Transaction / 20,000,000 IQD Monthly
Expired Card Redemption Free 5,000 IQD Minimum
Card Management Fees (Cards Inactive for 6 Months) 1.5% (3,000 IQD minimum) Every 6 months (IQD Balance Only)
Local E-commerce & POS Free 20,000,000 IQD Monthly
Local ATM withdrawal Depends on the ATM (0.4% Maximum) with minimum fees 600 IQD. Daily 2,000,000 / Monthly 10,000,000 IQD
International POS 1.75% + 2% for UAE, China, and Jordan Monthly $3,289
International E-commerce 1.75% (minimum 0.75$+0.6%), + 2% for UAE, China, and Jordan Daily $328/ Monthly $3,289
Intl ATM withdrawal 6 USD + 0.6% + 2% for UAE, China, and Jordan Daily $98/ Monthly $986
Transfer from Mastercard to Wallet Free No limit