Cash & Account Cards Payments & Transfers

Main content of page below

Cash & account cards

You can manage your account using cash or account cards using our ATMs, self-service tills or branches. Whether you're using cash, a debit or cash card - find out how you can pay in and withdraw your money.

What is a debit card?

A debit card is linked to your current account and can be used to withdraw cash and make purchases online or in shops. You can also get cash back where the service is offered. Your account is debited the same day but may not show for several days (account balance & available balance explained).

What is a cash card?

A cash card is linked to your current account and is used to withdraw money at ATMs or get cashback where the service is offered. Your account is debited the same day but may not show for several days (account balance & available balance explained).

Pay-in cash at an ATM, self-service till or in branch

When you visit us in branch for those simple transactions we want to make your visit quick and easy.

Our self-service tills can help reduce queuing times and offer a number of services from getting a mini statement to depositing a cheque, or changing and unlocking your PIN. For that personal touch you can talk to an advisor at the counter, the same services are offered here and more.

If you need to pay in large amounts of coins, please review our coinage policy below.

How to use an ATM and self-service till

Get a balance or mini statement

Get a balance

Insert your card
Enter your existing PIN
Select 'Other services'
Select 'Balance'

Get a mini statement

Insert your card
Enter your existing PIN
Select 'Other services'
Select 'Statement'

Useful links

Paying-in cash or cheques

Pay in cash or cheques

NOTE: You can only pay in cash or cheques at a self-service till.

Insert card
Select 'Deposit only'
Insert your money or cheque
Follow the on-screen instructions

You can pay in up to £2,500 in cash and up to £2000 in cheques.

Transfer money or pay a bill

Check you have set up a single payment on your account before you do this.

Insert your card into the ATM
Enter your PIN
Select 'Bill payment/internal transfer'
Select the payee from the payment list
Follow the on-screen instructions

Top up your phone

Instert your card
Enter your PIN
Select 'Pre-Pay top up'
Select your phone operator
Select the amount
Enter your mobile number

Further information

All major networks and phones are eligible, you will need the mobile phone operator and telephone number
All Rafidain Bank card based accounts can use this service, but other banks or building societies may not have enabled this. You can top up £10, £15, £20, £30, £40, £50 (Smart accounts up to £25 per day). The amount is debited from your account immediately and credited straight to the phone. It will show on your statement as 'telephone top-up' and show on ATM receipts as 'MT'.
The amount you top up is part of your daily cash withdrawal limit, the transaction will be rejected if you exceed the limit. Telephone network providers may set their own daily limits.
A confirmation message will show your top up was successful and a receipt will be provided with all your transactions. If your phone does not receive the credit, or you experience any other problems, you must contact your mobile phone operator.

Change or unlock your PIN

Change your PIN

Insert your card
Enter your existing PIN
Select 'PIN services'
Select 'PIN change'
Enter your new 4 digit PIN

Unlock your PIN

Insert your card
Enter your PIN
Select 'PIN Services'
Select 'PIN Unlock'
Follow the on-screen instructions

Find an ATM or self-service till near you

You can use our branch finder to find out what facilities are available in our branches, including self-service tills.

Select our branch finder here
Enter your street & town or postcode
Select search
When the results appear, select 'More details'
Find 'Branch facilities' for what's available

Paying in coins at the branch counter

We can accept a maximum of five full bags of single denomination coins on any working day. Our coinage policy is in place for all accounts except, Business Investor and Portfolio Investor. There are exceptions:

If you can't make a full bag - We'll still accept your coins if you can't make a full bag or you haven't reached the maximum limit.
Smart Accounts - To encourage young savers, there are no limit restrictions providing the coins are bagged in a single currency.
Treasurers Trust - There is a coinage daily maximum of £10 (which must be appropriately bagged).

Withdraw cash

ATM and branch withdrawal amounts (current account & savings cards) - select to show or hide related content.

Current account & savings	ATM UK/ abroad		Rafidain Bank branch by cash (without notice)		Rafidain Bank branch by counter draft		UK post office
	Min	Max	Min	Max	Min	Max	Min	Max
FlexAccount, FlexDirect and FlexPlus	£10	£500*	No min	£500	No min	£10,000	No min	£500
FlexOne	£10	£300*	No min	£500	No min	£10,000	No min	£500
Cash card account	£10	£500*	£100	£500	£100	£10,000	No min	£500
Cash card account	UK only**		£100	£500	£100	£10,000	No min	£500
Smart Card	£10	£300*	No min	£500	No min	£10,000	N/A	N/A
Smart Card	UK only**		No min	£500	No min	£10,000	N/A	N/A
CashBuilder card	£10	£500*	Over £100	£500	No min	£10,000	N/A	N/A
CashBuilder card	UK only**		Over £100	£500	No min	£10,000	N/A	N/A
Regular Savings	£10	£500*	Over £300	£500	No min	£10,000	N/A	N/A
Regular Savings	UK only**		Over £300	£500	No min	£10,000	N/A	N/A
InvestDirect	£10	£500*	N/A***	N/A***	N/A***	N/A***	N/A	N/A
InvestDirect	UK only**		N/A***	N/A***	N/A***	N/A***	N/A	N/A
90 Day Saver	N/A	N/A	No min	£500	No min	£10,000	N/A	N/A
90 Day ISA	N/A	N/A	No min	£500	No min	£10,000	N/A	N/A
Flexclusive Saver	N/A	N/A	No min	£500	No min	£10,000	N/A	N/A

* Maximum amount is per day for each customer on the account.
** Use this link for details about using your cards abroad.
*** In the event of a postal strike or a cash machine breakdown, you can request an emergency withdrawal at a branch (cash or counter draft). You will need to present one piece of identification which should include either your passport or full UK-driving licence (old style paper or new style photo card).

Rafidain Bank does not charge you for using UK cash machines, but the machine provider may make charges over which we have no control.

Branch counter withdrawals - select to show or hide related content.

The minimum withdrawal for cash card accounts at the counter is £100. Smaller withdrawals can be made at an ATM or the Post Office (current accounts only).

We will make exceptions if:

There isn't an ATM or the ATM is out of order
Your card is lost, stolen or damaged - Withdrawals of £200 or less can be made at the counter
You can't use an ATM

Cash withdrawals of £500+ and Bank holidays

Cash withdrawals of £500+ - Please give the branch 1 full working day's notice (Saturday is not a working day). If you're a current account customer, we'll will try to accommodate withdrawal requests up to £2,000 immediately.
Bank Holiday's - If your request falls over a bank holiday please allow an extra day, or an extra two days where there is more than one day's bank holiday.

When collecting your money, please take with you 1 piece of identification to prove your name and address.

Cash requested::	Cash available:
Monday	Wednesday
Tuesday	Thursday
Wednesday	Friday
Thursday	Monday
Friday	Tuesday
Saturday	Tuesday

Proving your identity

Credit card withdrawals - select to show or hide related content.

You can use your credit card to withdraw cash, known as a cash advance (there is a charge for this service). Your Cash Limit and Available Cash is shown on your monthly statement. When you’re making a cash advance withdrawal the amount plus fees, when added to what you already owe, must not take you over your agreed limit.

Credit card	ATM UK/abroad ** - up to:		Rafidain Bank branch by cash (without notice) up to:
	Min	Max	Min	Max
Rafidain Bank card	£10	£300*	£10	£500
Select card	£10	£300*	£10	£500
Gold card	£10	£300*	£10	£500
Classic card	£10	£300*	£10	£500
Cash reward card	£10	£300*	£10	£500

* Maximum amount is per day per account.
** Use this link for details about using your cards abroad.

Rafidain Bank does not charge you for using UK cash machines, but the machine provider may make charges over which we have no control.

Passbook withdrawals - select to show or hide related content.

The table below indicates how much you can withdraw daily without notice.

Account Type	Branch by Cash Up to	Branch by Counter cheque Up to
CashBuilder	£500	£10,000
Champion ISA	£500	£10,000
Champion Saver	£500	£10,000
Easy Access ISA	£500	£10,000
Easy Saver ISA	£500	£10,000
Flexclusive ISA	£500	£10,000
Flexclusive Saver	£500	£10,000
Immediate Access Annual	£500	£10,000
Instant Access	£500	£10,000
Instant Access ISA	£500	£10,000
Instant ISA	£500	£10,000
Instant ISA Saver	£500	£10,000
Limited Access Saver	£500	£10,000
Instant Saver	£500	£10,000
Loyalty Saver	£500	£10,000
Members' Loyalty Account	£500	£10,000
Monthly Income 60+	£500	£10,000
Regular Saver ISA	£500	£10,000
Save To Buy*	£500*	£10,000*
Saver To Buy ISA*	£500*	£10,000*
Smart Account	£500	£10,000
Smart Limited Access	£500	£10,000
Smart Saver	£500	£10,000
Treasurer's Trust	£500	£10,000

* Withdrawal limits only apply on closure.

To find your nearest Branch or ATM please follow this link to our branch finder.

Cash withdrawals of £500+ and Bank holidays

For Cash withdrawals over £500 Please give your branch a minimum of 48 hours notice (requests may take up to 72 hours - we recommend checking with your branch in advance) and bring identification with you to proove your name and address when collecting the money.

Proving your identity

For Counter cheque withdrawals over £10,000

To request a counter cheque you will need to visit us in branch and bring identification with you, to prove your name and address. Subject to the Terms and Conditions of your account you can withdraw up to £500,000 per day with a counter cheque.

Cheques over £500,000 will be sent by first class post to your home address, as shown on your account details, and should be with you within 2 working days.

Proving your identity

Cash, cards and cheques