Of course! When you apply we’ll ask you at the very start if you want to open a sole or joint account. It’s as simple as that.

Want to turn your existing account into a joint account? Just complete the form - you can download the addition of an account holder form, pick it up from any branch or you can send us a secure message if you're registered for the Internet Bank and we’ll send a form to you.

Note: If the account holder to be added does not currently hold any Rafidain Bank accounts, please visit a Rafidain Bank branch with identification to have a profile set up.

As long as you have enough in your account, you can withdraw up to £500 in any one day with a Cash Card

You can withdraw up to £500 a day at your local branch, as long as you have the money in your account. If you need more than £500, please give your branch at least 2 full working days' notice. (Some requests may take up to three full working days – so we recommend checking with your branch beforehand.) For cash withdrawals over £500, you will need to present one piece of ID – either your passport or driving licence with the paper counterpart (copy).

You can withdraw up to £500 in cash at any Post Office branch using your card and PIN.

If you have Card Protection, contact the company immediately and they will arrange to cancel all your cards. Otherwise, call us immediately on 08457 30 20 10, or speak to us at any Rafidain Bank branch.

When you ask us to make Direct Debits, standing orders and bill payments on a future date, we attempt to make these payments in the morning.

Retry of failed payments

If there are insufficient funds in your account to make the payment we will try to make the payment again on the same day at 2:30pm. This is to provide you with additional time to get cleared funds into your account. You can do this by paying cash into your account at a Rafidain Bank branch, making a Faster Payment or a quick transfer online from another Rafidain Bank account. To find out when a cheque you are paying into your account will clear, please use our cheque processing calculator.

If funds are not available when we attempt the retry, customers will still only receive 1 unpaid transaction fee.

We want all our customers to feel happy with the service they receive. If we’ve made a mistake, or let you down, please tell us so that we can put things right and do better next time around.

Our making a complaint page talks you through how to complain and when to expect a reply from us.

Our products and services are designed to be accessible to all our customers. For more information please visit our accessibility page.