All finances in one place now
Innovating yet simplifying payments. ZainCash makes managing, spending, saving, and transferring money easier, cheaper, and safer.
ZainCash Digital Financial Services Features Best Class Partners
Powering Iraq's Digital Economy
We want to simplify all payments
Our goal is to make managing, spending, saving, investing, and borrowing money easier, cheaper and safer.
Recharge
Top up your mobile balance instantly for any network in Iraq.
Send Money
Transfer money to any ZainCash wallet instantly and securely.
Top Up
Add funds to your wallet through agents, banks, or cards.
Bill Payments
Pay electricity, water, internet, and other utility bills directly from your wallet.
QR Pay
Scan and pay at thousands of merchants across Iraq using QR codes.
International Transfer
Send and receive money globally through Western Union integration.
Cash Out
Withdraw cash from thousands of agents or ATMs across Iraq.
Security and Consumer Protection
ZainCash is committed to providing its customers with a safe and secure mobile money experience.
FaceID Authentication
Secure login with facial recognition
3D Secure Notifications
Real-time transaction alerts
Multi-factor Authentication
Multiple layers of security
IRIS Authentication
Biometric iris scanning
End-to-End Encryption
Military-grade encryption
24/7 Fraud Monitoring
Continuous protection
Our approach and attitudes to innovation came to define us
Think deeply
Problem-solving starts at the root.
Work as a team
Great achievements rarely result from individual efforts.
Don't be afraid to try
Embrace thoughtful risks.
Customers first
Prioritize our customers.
Iraq deserves more
Iraqis deserve innovative finance apps.
Strong foundations
Invest in solid foundations.
ZainCash has always put product innovation at the forefront
The Beginning
Licensed by Central Bank of Iraq
Business Expansion
Payroll and bill collection services
Retail Revolution
QR Code payments and WalletCard
Banking Integration
Bank deposits and IRIS Authentication
Card Funding
Visa and Mastercard cash-in
Digital Onboarding
eKYC registration launch
Virtual Cards
Visa Virtual reloadable card
Global Reach
Western Union and 3D Face authentication
Core Upgrade
Temenos T24 migration
Instant Registration
Digital wallet registration in minutes
Trusted by millions of Iraqis
“Let's explore how innovative banking can transform Iraq's economy.”
“ZainCash has made it so easy to pay my bills and send money.”
“The QR payment feature has transformed my small shop.”
“Receiving money from abroad directly to my wallet is a blessing.”
Checkout the Platinum Card
Order Platinum Mastercard now and enjoy many exclusive features!
Get the ZainCash App
Download now and experience the future of payments in Iraq.
Be Part of Something Great
We're excited to get to know you better and share more about ZainCash.